My Financial Recovery

Responding To The State Attorney General

Posted on: October 29, 2008 by Matt 1 Comment

A little over a month ago I received a notification from the state attorney general’s office that they had submitted a request to the collection agency holding some of my student loans.  I believe that the instructions were for the collection agency to contact me regarding these loans and get it straightened out so that I can receive the documentation I am entitled to  Aside from a couple of collection calls that went to voicemail I have heard nothing from the agency.

Therefore – I am sending the card provided by the attorney general’s office back with the option selected for “The business contacted me but my complaint remains unresolved.  Briefly Explain.”  I hope that providing the feedback to the attorney general’s office will prompt them to try and force some action from the agency.  In the space provided for an explanation I wrote in the following: “They called not related to my complaint.  I would like them to mail me documents showing my account info monthly – this still has not occurred.”

Hopefully I will be able to get some action out of the collection agency.  They are nearly impossible to work with and simply tell me that they can not produce documents on a monthly basis since they are a collection agency.  Currently I am thinking as a next step I will look up any information I can find related to their requirements (my original request to the attorney general’s office was for my rights) then harass the collection agency.  If working through the attorney general does not produce the results I am hoping for I will begin a campaign of letter writing and incessant phone calls until I find someone competent to speak with (will probably take a while).

Does anyone else out there have any experience in dealing with scummy collection agencies (I have researched this particular agency – they are fairly well known as scummy)?  If so how have you dealt with them?  I would love to just pay them off but lack the $22,000 to do so.  My student loan is private and in collections so I am short on options to either rehabilitate or consolidate the loan.  In particular if you have a success story related to dealing with Zwicker & Associates I would love to hear it!