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  1. Have you experienced any problems with you student loans from Navient? Were you ever not notified of loans going into default? Did any of your loans go into default without being notified and now your wages are being garnished and you can't get any answers or solutions? Are you getting the run around from Navient and Pioneer Credit Recovery Inc? Did any of your loans from United Student Aid Funds get transferred to Navient or Great Lakes and now none of them are claiming to own your loans and some collection agency is aggressively going after you to collect? If you answered yes to any of the above questions, then please read on. What I do know is that USA Funds (United Student Aid Funds) have changed their name and longer service student loans. They transferred federal loans to Great Lakes. The problem i'm encountering is that Great Lakes told me they had two of my federal loans for a short time but transferred it back to Navient. Navient tells me that they are speaking on behalf of USA Funds, but can't do any modifications or changes to the defaulted loans because they are not the original guarantor . Pioneer Credit Recovery says only USA Funds can change or withdraw the garnishment (do you see the problem?) No one is claiming to own my two federal loans that went into default. No wonder why I was never notified. Now, I have heard from Navient saying they do not have my defaulted federal loans and I should contact Great Lakes. But Great Lakes say they too do not own the loans (like chasing a ghost). When I contact Pioneer, I let them know that USA Funds apparently do not exist and should null the garnishment order immediately, they declined and said they are going off their contract. I let them know since USA Funds no longer exists their contract is invalid and illegal (the whole conversation has been recorded) They didn't seem to care. The really interesting research I did, is that both companies are currently being sued by several attorney generals and the CFPB. And the really interesting part is that both companies are connected (several board members on Pioneer are also board members on Navient). I too currently have complaints in on both companies with the: BBB, CFPB, US dept of Ed, Illinois AG, Washington AG, New York AG. I am asking you that if you answered yes to any of the question above, PLEASE take the time and respond to this post. I think these two companies are starting a new scheme and should be stopped immediately. If there are enough responses and others that are experiencing the same problem, I WILL try my best to start a Class Action. Also, please post this forum on any social media account to help get the word out. Also, just in case someone or some company has this blog taken down and as long as the owner of this site allows, send me a PM or email me your contact info (Name and contact method only) in case this does go to court, I will be able to keep you updated. My email is jblanchettedevery@yahoo.com
  2. I'm at the end of my rope with this, so I apologize if I'm not following the proper format or putting this in the right place. I looked all over this site for a similar situation and while I found some posts that were very close in nature, I couldn't find anything that fully connected with what I have going on. I'm going to try to answer all the necessary questions as fully as I can without making this post into a novel. First off, I defaulted on a Lending Club loan back in 2017, so the debt in question is actually mine, however, when Velocity Investments picked it up and put it on my credit report (I believe) at the beginning of 2019, the amount owed was largely exaggerated and the dates of payment/nonpayment were incorrect. I tried to get in contact with Velocity Investments, but no one seemed to be in charge of my debt and my call kept getting transferred. Being a single mom in therapy for anxiety and panic issues, as well as agoraphobia and depression, I gave up on that for the time being, figuring that since it had just appeared on my credit report, I had time to deal with it later. Fast forward to mid-December 2019...at this point I was in my second week of a medical leave of absence through my employer, Amazon, after working in the warehouse for several months had exacerbated a previous leukemia-induced shoulder injury/joint replacement. I received a letter in the mail from Amazon stating they'd been court-ordered to garnish a specific amount of my income starting 12/2/2019. This was the first I'd heard anything about any of this and after a brief meltdown, I called the contact number listed at the bottom of the letter. The number belonged to Javitch, Block, and Rathbone, a law firm working to collect a debt, according to the recording before I was even connected to a person. I'm assuming this law firm has its own call center just based on the noise in the background and the general rhetoric that sounded like it was coming from a script. They were less than helpful, telling me only that I had to pay the debt in full in order to avoid wage garnishment. They wouldn't tell me why the amount owed was even more inflated than it had been, what the "specified amount" of the wage garnishment was, or anything other than, "pay the amount in full." After a few hours of panic attacks, online research, phone calls back to the law firm, and finally the clerk of courts (as suggested by a Javitch Block call center supervisor, along with my case number since nothing was coming up on the county website records search under my name), I found out I had been sued back in August of 2019. The law firm did send out two certified letters, one that came back unsigned and the other that came back with an illegible signature, according to the court docket notes. I also found out that the second letter that was signed, had been sent to the address a month after I had moved from there, so it had been signed by someone other than myself. If the law firm had been in contact with me prior to this, I could have given them my new address, but having no idea anything was going on, how was it my responsibility to update this info with them? From what I read in the court docket notes, it's blatantly obvious I hadn't received any sort of notice from them as I hadn't responded back to anything, however, the hearing was allowed to be held in my absence. Obviously, Javitch, Block, and Rathbone won since I wasn't in attendance to be heard by the judge, and the inflated amount of the debt was not only entered as what I owed, but they were also allowed to add 5% interest to the remaining balance at the end of every month, plus whatever extras the judge awarded them (at this point, my anxiety was over the top and I couldn't handle any more bad/unfair news on this front). There is nothing in the court docket notes stating they even tried to get me a copy of the final court documents, nor did they do anything to try to contact me by phone. So basically from August to December (when my employer contacted me) they collected "free" interest on an account they weren't even trying to collect on. When I called the law firm the day I received the letter from Amazon, the CSR (while she was in my account) asked if I still lived in Cleveland. I've never lived in Cleveland, nor have I even visited the city that it over 2 hours from my actual residence. How they got that is beyond me, but that demonstrates to me that they weren't interested at all in trying to get my actual address or call me via phone (which was still the same as it had been before I moved). So now they are garnishing my wages, taking 25% of my LOA paychecks, which are already at about 50% of what I'm used to making when I'm not on medical LOA. Previously, I'd tried to keep a month's worth of bills and Uber charges (I don't have a car, so I have to Uber everywhere I need to be, including to and from work when not on LOA) ahead in my checking account and at this point, I've gone through that, thanks in part to their cut of the pie. I did contact a lawyer who stated that he could probably do something considering they served the second notice (the one that was illegibly signed) a month after I'd moved from the address listed on the record, but he wants $500 before he can file anything with the court. With all that said, do I have any recourse other than paying this lawyer $500 to maybe be able to do something that I don't quite understand? All I knew for sure when I was speaking with him was that still doesn't seem fair considering Javitch Block has a history of not informing defendants of an upcoming lawsuit, thus winning their judgments by default. I never had any intention of not paying this loan, but I wasn't going to agree to pay such an inflated amount as Velocity Investments was claiming I owed and I needed to get myself in a better financial situation before I could set aside anything to pay on this loan. I could conceivably pay it off with my tax return this year, again putting off saving for a car and eliminating Uber charges from my list of monthly bills (which would ultimately free up more money that I could use to pay off this loan), but am I going to be stuck paying this doubly inflated amount all because Javitch Block neglected to do their due diligence in allowing the judge to hear my side? I appreciate any advice you can give me or any direction you can point me in. Working at Amazon (in the warehouse) is literally killing me, thus the need for a medical LOA at this point, but it's necessary so I can make enough money to support my daughter (for whom I get no other financial help), attempt to get a car and eliminate the Uber charges, as well as go back to school to add to my Associate of Science degree and be able to get a job making just as much money without the physical implications I have at Amazon. I really am trying to connect all the dots here, but I don't believe this is in any way fair or just and if I can get a valid legal point-of-view on what I should do, I'd gladly follow that and put an end to this anxiety and panic Javitch Block is currently causing me.
  3. Hi All, I went into work and got a notice from my payroll that my wages are being garnished via Unifund with the help of Kenosian and Miele. I did search the forums and read some threads on Unifund/KenosianMiele but nothing specific to wage garnishment. The debt is from 2006/07, court case is from 2013, I was never personally served but I think my parents received it through FedEx--at that time I was away at college. In the past few months my phone was blowing up with robot debt collectors, all claiming to be from a "firm" regarding an "urgent" matter. I answered one of these calls and when I asked for specifics like account # or last time card was charged they couldn't provide any information other than my address; so I thought the calls were bogus. I didnt think anything of it since it was clear they didnt have much information but when reviewing the EWO, the debt was exactly what the collector claimed over the phone, and now my wages are being garnished next month. I wanted to see if there is anything I could do? I've read other posts talking about filing a motion to vacate default judgment or just calling up Unifund to work something out? I've included the court case details that i obtained from the San Bernardino county website. I have a copy of the suit but not sure which parts to post or if i'm able to do anything about it. Any advice is greatly appreciated! BTW, The closest forum I found to my issue was below, but let me know if there is a better thread:
  4. Under the SOL in California which is 4 years. Is this wage garnishment file against me is legit? Here's the information I found online LA Court regarding my case from Moore Law Group (that I owed them money which is not) . With Discover Card yes. But When I asked them to give me the paper works and the judgment from court for wage garnishment. Until now I haven't received any paperworks from them when I call them about 2 wks ago. And their office location was in Orange County. I already received the wage garnishment from my employer (which im only a contractor to begin with). Do they have the right to garnish my wage? What is the meaning of Status "DISPOSED". Is Moore Law Group have a licensed as a collector to file a case against me. They are DEBT Buyers. They can't provided any single information about my credit history with Discover Card. PLEASE ADVISE. Party Information Court: Chatsworth Courthouse Filing Date: 06/06/2012 Case Type: COLLECTIONS CASE (Limited Jurisdiction) Status: Disposed Histories (Dates listed in descending order) 03/16/2017 WRIT OF EXECUTION ISSUED TO LA COUNTY 02/16/2017 DECLARATION RE: ACCRUED INTEREST IN THE AMOUNT OF $0427.80 02/16/2017 MEMORANDUM OF ACCRUED COSTS IN THE AMOUNT OF $0050.00 02/16/2017 PARTIAL SATISFACTION IN THE AMOUNT OF $0000.00 01/24/2017 ABSTRACT OF JUDGMENT 10/09/2015 ABSTRACT OF JUDGMENT 07/08/2015 NOTICE OF ENTRY OF JUDGMENT NOTICE OF ENTRY OF JUDGMENT 06/30/2015 HEARING DELETED - OFF CALENDAR 06/30/2015 RESTORED CASE 06/30/2015 CLERK'S NOTICE OF ENTRY OF JUDGMENT FILED AND MAILED 06/29/2015 REQUEST FOR DISMISSAL WITHOUT PREJUDICE AS TO DOES DEFENDANT 1-10 REQUEST FOR DISMISSAL WITHOUT PREJUDICE AS TO DOES DEFENDANT 1-10 ONLY. 06/29/2015 JUDGMENT SIGNED AND FILED BY GRACIELA L. FREIXES JUDGE. JUDGMENT SIGNED AND FILED BY GRACIELA L. FREIXES JUDGE. 06/29/2015 STIPULATION JUDGMENT 06/25/2015 WRITTEN STIPULATION FOR JUDGMENT FILE 06/25/2015 DECLARATION IN SUPPORT OF ENTRY OF JUDGMENT PURSUANT TO STIPULATION. DECLARATION IN SUPPORT OF ENTRY OF JUDGMENT PURSUANT TO STIPULATION. 06/25/2015 $225.OO FIRST PAPER FEES PAID BY PLAINTIFF ON BEHALF OF DEFENDANT BY $225.OO FIRST PAPER FEES PAID BY PLAINTIFF ON BEHALF OF DEFENDANT BY WAY OF STIPULATION ON RECEIPT #CHA535161008. 06/25/2015 $20.OO ORDER FEE PAID BY PLAINTIFF ON RECEIPT #CHA 535161009. $20.OO ORDER FEE PAID BY PLAINTIFF ON RECEIPT #CHA 535161009. 04/04/2013 NOTICE OF CASE REASSIGNMENT NOTICE OF CASE REASSIGNMENT 03/22/2013 EFFECTIVE 04/02/13 CASE REASSIGNED TO THE CHATSWORTH COURTHOUSE 03/22/2013 IN DEPT. F43 AT 8:30 A.M. FUTURE HEARING DATE(S) REMAIN THE SAME 12/10/2012 OSC CONTINUED TO 07/27/15 AT 08:30 AM IN DEPT 77 12/10/2012 OSC CONTINUED TO 07/27/15 AT 08:30 AM IN DEPT 77 11/09/2012 CASE MANAGEMENT STATEMENT FILED 10/29/2012 INACTIVE CASE 10/29/2012 NOTICE OF SETTLEMENT OF ENTIRE CASE FILED NOTICE OF SETTLEMENT OF ENTIRE CASE FILED 08/06/2012 DECLARATION OF NON SERVICE FILED. 07/16/2012 DECLARATION OF NON SERVICE FILED 06/07/2012 OSC SET 12/10/12, 0830 AM, DEPT. 77, NOTICE FILED & MAILED 06/06/2012 SUMMONS FILED 06/06/2012 COMPLAINT FILED - COLLECTION CASE Filing Fee: 225.00
  5. I filed BK chapter 7 as pro se and had my Meeting with Creditors today. Trustee told me that I might be able to claim a refund of wages garnished 90 days prior to the filing. Anyone know how to go about this? Do I just ask the garnishor for the money or do I have to sue?
  6. A judge granted me a money judgment this past year. The case resided in SD and the person that the judgment is against lives in IL. I'd like to place a levy on all bank accounts including the ones she has with Bank of America, as she has the money, but refuses to pay. How do I start such a levy of her bank accounts? I spoke to BoA. They provided me with the info how to serve them, but I would like to know which documents they need beside the judgment. Am I able to start wage garnishments or place a lien on her house without using a collection agency? Thank you!
  7. I had cancer when I was 20 and was on disability/SSI and almost died during this time. I had a small bill that my parents did not pay of $700(I had no income). Apparently worldwide asset purchasing opened a lawsuit for collections on this $700 when I was 23(2003). My mom signed for the paper when it was sent and I never knew about it. They didn't pursue anything however. I am now 35(2015) and out of nowhere they opened the case back up, sued me, and garnished my wages for $2000. Is this legal?? The statute of limitations is 6 years in NJ. I have a lawyer going after them for the violation of the FDCPA, but the judge wouldn't dismiss it for me based on statute of limitations because he said they are allowed to reopen that case from 2003 at any time? The judge said I could file a motion to vacate which would cost $25+ to file...is it even worth it to try to win this or should I just let them garnish the $2000 and be done with it? It isn't even on my credit report.
  8. Somebody please help me! Today I received a packet from my employer saying that my wages are being garnished! The forms contained a paper stating the Levying officers name and address, which is the Sheriff's Dept in Inglewood. It also says the plaintiff is GCFS. It says the date the judgement was entered was 10/13/11. And the amount is $8586.23. I have NO CLUE WHAT THIS IS!!!!!!!!!!!! And honestly, I am freaking out! I cannot afford the $630 they want to take out of my check every two weeks! The paper also gave me a court case number, so I went onto the site that they listed and attempted to enter in the case #. There were more numbers in my case # than the site would allow me to type, so it did not recognize it. I honestly don't know what to do!!!! Can somebody please help me!
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