I admit I let my loan go in default, a very idiotic thing for someone who worked in financial aid for 3 years, but I was trying to make it right. I called Adrianne back to set up a payment plan. I was elidgible for a recovery plan that will essentially wipe the default off of my credit within 9 months. At the time I thought the plan was great and asked Adrianne if she had any other advice. She said that she was not supposed to tell me this but by working two jobs I was making my payment that is set by the loan company higher. " Oh really" I said "so when I finish my second job I should limit myself to one job?" "Absolutely" she tells me. I called today to let them know that I will be finished with my second job on Monday and the company informs me that the amount I pay NEVER changes. I point out that this puts me $-200 in the hole (wouldn't be there if I still had my second job) and the SUPERVISOR says to me "you still make more money then me every month." I called her back later because I realize she's done some calculations wrong and she says "I've already been on the phone with you 3 times." Of course I had to point out that I had only spoken with her twice and that I was just calling to correct an error in the calculations she did. After rudely accusing me of interrupting her several times I finely get her to go over the calculations which were wrong on her part! After I asked for her name and if she had an employee number and told her I would be speaking with her supervisor she became a little sweeter but this was brought on by me stating "You really need to work on your customer service." Her reply "You are not a customer you are a barrower." OUCH!
Anyway long story short (LOL) I could've made $2500 in a month this summer and didn't cause I thought my loan would be cheaper. Now the opportunity has passed me by and I am PISSED!

Was contacted today for the second time in 3 weeks and was told I was put down as a refusal of payment. Spoke to a John Riley, who threatened to bring me to court and threatened to have me kicked out of college for nonpayment of my loans.

This company has gone way too far and have now been calling my grandma in denver. I think that this is very unprofessional and I really don't appreciate the fact that they have not sent me anything regarding this or even called me or left any messages. Do they not understand that people are broke and have to live pay check to pay check. the believe that the government should really take action and tell these people to lay off due to the fact that our government did get us in this situation and if they don't want to take responsibilities then I don't think that I should. Thank you for your time.

i think all of you LOSERS, should quit whining. you've had plenty of time i'm sure to pay your student loans they give you plenty of time before a loan goes to a collection agency to start making payments. maybe, if you had paid your bills on time like you were supposed to, then they wouldn't be calling you in the first place. get jobs losers and pay your bills, quit whining and looking for sympathy be adults work for your money and pay the government back ! it' s losers like you stealing all the governments money for personal benefits and not paying it back! all this time you spend on the computer whining about a collection agency you could be going to school or working TO PAY YOUR BILLS YOU DON'T PAYYYYYYYYY loserssssssssss

On 12/01/09, my mother, Luz G. Malaret received a call from this collection agencie at 10:00 PM (Fair Debt Collection Practices Act (FDCPA) states that a debt collector may not contact you at inconvenient times or places, such as before 8 in the morning or after 9 at night, unless you agree to it). It was a restricted call from “Windham Professionals” by a lady called Terry Waltson (Tel: 888-241-8262 Ext. 7560). It is nearly impossible for Terry to have communicated anything my mother could of have completely comprehended in a manner she could understand due to the language barrier, only causing her to be confused, scared, and fearful. My mother does not speak or understand English very well and she was coerced into taking out a loan to make this payment. Terry used illegal scare tactics that involved legal threats to freeze assets, seize property, inquiry to finances, property ownerships, and mediated ways for my mother to pay off this debt regardless of her financial means within a set deadline for a set consequence. She told my mother that if she did not call her back to pay by 2 PM the next day she would understand that she did not want to pay and send it to legal so they could freeze her assets. My mother under the pressure and fear of getting all her assets frozen and therefore losing her job since she works for a bank went ahead and took a loan out to pay for the debt in total.

On 12/02/09, I spoke with Terry and I asked her why she called my mother instead of me. She first indicated that she called me and I told her I didn’t have any voice mails from her agency also that the only “weird Calls” I’ve been getting are always around 6 AM and I don’t pick up the phone at that time. She indicated that even if she hadn’t called me she could call my mother directly without contacting me first. I told her there is no way my mother can afford to make that payment to the bank and requested her money sent back to her and a payment plan be set up directly with me. She said in a very rude tone “Pay your mother back (a couple of times), we can’t return her money”.

After reviewing the Fair Debt Collection Practices Act (FDCPA) I have come to the conclusion that the following FDCPA regulations have been broken and are illegal actions taken by “Windham Professionals” Collectors:
A debt collector may not contact you at inconvenient times or places, such as before 8 in the morning or after 9 at night, unless you agree to it. And collectors may not contact you at work if they’re told (orally or in writing) that you’re not allowed to get calls there.

If you don’t have an attorney, a collector may contact other people – but only to find out your address, your home phone number, and where you work. Collectors usually are prohibited from contacting third parties more than once. Other than to obtain this location information about you, a debt collector generally is not permitted to discuss your debt with anyone other than you, your spouse, or your attorney. (Even thought Luz Malaret is the cosigner for this loan, I was never contacted and there was no intent of noticing me about these actions)

Every collector must send you a written “validation notice” telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you don’t think you owe the money. ( I was never made aware that my loan was sent to a collection agency and neither was Luz Malaret.)

Harassment. Debt collectors may not harass, oppress, or abuse you or any third parties they contact. For example, they may not:
• use threats of violence or harm;
• repeatedly use the phone to annoy someone.
False statements. Debt collectors may not lie when they are trying to collect a debt. For example, they may not:
• falsely claim that they have a way to freeze your assets;
Debt collectors also are prohibited from saying that:
• they’ll seize, garnish, attach, or sell your property or wages unless they are permitted by law to take the action and intend to do so; or
• Legal action will be taken against you, if doing so would be illegal or if they don’t intend to take the action.
Unfair practices. Debt collectors may not engage in unfair practices when they try to collect a debt. For example, they may not:
• try to collect any interest, fee, or other charge on top of the amount you owe unless the contract that created your debt – or your state law – allows the charge; (the loan was for less than $8, 000 USD but they charged Luz for $10, 326.50)
• take or threaten to take your property unless it can be done legally.

To resolve this matter, they need to return discussions of alternatives.
the money to Luz Malaret and work with me directly to set up a payment plan as there were no