Jagtruck72 Posted November 7, 2007 Report Share Posted November 7, 2007 Hello all, quick question. Gov't sold/handed over my defaulted student loan to Van Rue Credit Corp. They've been harrassing me at work since 10/1 and recently called HR to verify my employment.HR told me they're probably about to enter a judgement against me and garnish my wages.What should I do? Just moved to DE, work in PA. Which laws apply?Thanks Link to comment Share on other sites More sharing options...
Recovering Attorney Posted November 7, 2007 Report Share Posted November 7, 2007 They may be able to do it through Administrative Wage Garnishment. Watch your mail Link to comment Share on other sites More sharing options...
Jagtruck72 Posted November 7, 2007 Author Report Share Posted November 7, 2007 Thanks for your reply. This company has made no other attempts to collect this debt. I don't believe they have any other info on file for me exept my employers phone number/address. They don't have a home address or telephone number. Should I send a DV letter? Should I send a C&D letter to end the harrassing phone calls? Link to comment Share on other sites More sharing options...
Flyingifr Posted November 7, 2007 Report Share Posted November 7, 2007 I think you better do a bit more than send a DV, since the following statements are all true:1. They can garnish your pay simply by sending an Administrative Garnishment order to your employer2. There is no SOL for the debt3. There is no SOL for reporting the debt under FCRA4. They can and probably will ignore FDCPA at will5. Your tax refunds will be intercepted until this debt is paid.Have you ever considered either entering into a rehab for this debt or filing for hardship? Link to comment Share on other sites More sharing options...
Jagtruck72 Posted November 7, 2007 Author Report Share Posted November 7, 2007 How would i go about filing a hardship? I am extremely new to all of this. Should I contact the CA and make some sort of arrangement? Link to comment Share on other sites More sharing options...
trich701 Posted November 8, 2007 Report Share Posted November 8, 2007 I delt with VR years ago. I simply called and explained my situation. They worked out a payment plan with me that I could afford. Just call and talk to them. Unfortunately, yu can't run from the student loan man. Link to comment Share on other sites More sharing options...
Jagtruck72 Posted November 9, 2007 Author Report Share Posted November 9, 2007 You are absolutely right. I called them today and they were pretty pleasant. I tried to come to some sort of terms but they made it seem as if they couldn't stray from a certain figure. Now I have another delima. This debt is scheduled to come off of my EX CR in Feb '08. Is it worth touching now? Link to comment Share on other sites More sharing options...
Recommended Posts