I’ve had a long, odd history with student debt. First I put my debt into deferment while I worked to get jobs.
But after a few changes in location, my debt collectors lost me. So the debt came out of deferment and I wasn’t aware. But that is OK.
But I got notice from ASA my entire debt was in default. That made me upset. So I set up to pay a 10 month plan, made every payment and was suppose to come out of default.
However after the 10 months, they gave me no guidance on who was to take over my debt. They didn’t put me in touch with Navient, and I didn’t even know who Navient was until it was too late and my loans were put in default a 2nd time.
Then and still now, they have said i would have to pay the entire balance including a 18% collection fee which added $4000 to my $27,000 in debt and it made me furious. Over $31,000 now, so in 15 years, my debt went from the $27,000 I borrowed, the $31,000…
Only through taking my tax returns, have I had any communication or payment. Navient bailed on trying to help, and ASA never offers help.
Now this company PCR Pioneer Credit Recovery says they can consolidate my loans, but must include the $4000 added on and have no idea what has transpired in the past.
Insane. Again, I just have to agree or not.
They are sending me the history and promissory notes and are going to reach out to ASA if I email my dispute but I can’t speak to ASA myself.
This has been super hard to deal with and has ruin my credit and taking my tax returns is a very steep price to pay each yeah, over $4000 one year and $5000 another and my wife’s gets taken too.