ECMC: Educational Credit Management Corporation; St.Paul,MN Richard Boyle, Deb Rude, Aaron ? ECMC treated me with disrespect and stole my federal income tax without my notice worth $2,149.00 and never help me to get out of debt but did everything to trick me into staying in debt. I asked for St. Paul, Minnesota

Chitrita's posts from above where she continues with her lying story were posted on Sam Glover's website called Caveat Emptor on July 1 2012.   Apparently she is moving back to India.  I can only assume after filing false police reports and false reports against the secret service that she either got bounced out of the USA or her husband finally decided to divorce this nut job.

And the lies from Chitrita Dumire dumba** never stop: 

Her latest bout of lies. (((link redacted)))

Chitrita Dumire
July 1, 2012 at 8:52 pm

So you are the liars and the false accusers and the perjurers Not Me! You tried to make me the fool while all the time you all are the ones that slandering me for know reason. Thats right I wrote you all up at my Police Department at Henrico VA. So you sorry liars leave me alone and dont mess with my information or my schools because they all know about everything. THE TRUTH IS ALL THERE IS!!!! JOE THE NUT JOB FROM SECRET SERVICE AT RICHMOND VA 804-592-3086! Well everyone knows by now what kind of DOGS you guys are and all that PROSTITUTING in Columbia! Boy some agency! Cant even keeps their pants ziped right!!!

CLICK here to see why Rip-off Report, as a matter of policy, deleted either a phone number, link or e-mail address from this Report.

Chitrita, this has nothing to do with my being nice is has to do with you lying plain and simple.   If you tell the truth Im nice, if you lie, Im not.   This is about YOU not about ME.  YOU are the one who posted false information about the US Secret Service in an effort to avoid your responsibilities with the debt collectors.  I truly hope for your sake there are no serious repercussions for that not that I will be doing anything to bring that down on you but keep in mind this is a public forum and you posted two items next to each other US Secret Service and violated my civil rights.   That in of itself is certain to invite scrutiny in certain circles.  While I do indeed feel sorry for you it is clear you clearly do NOT belong in ANY sort of Criminal Justice position anywhere. 

You say "In anger I wrote many things but you all were also not in the right to do what you did. I also try to make peace with you all but you kept pressing so I had to send out all those complaints against you all. But now this issue is resolved so I hope that clears everything with you all as well. C.D."

Chitrita, I do not care that you were angry.  You were in the wrong and I and every other person who posted on these threads was absolutely in the right to do what we did.  The fact you still feel we were wrong for what we did and for calling you out on it confirms you are delusional.   Rip-off Reports is a forum to be used for people who have LEGITIMATELY been scammed, not for people who lie.  Regarding your sending out complaints against me I truly dont even know how is that possible when you dont even know who I am or where I am.  Unlike you I am not stupid enough to use my real name or a handle that I use on other discussion boards or even an IP address that can be traced.  And, for the record I am not in the least worried because I know any complaint you send out will be ignored as have all the others.   Best of luck to you and please take all our advice and find another field of study Criminal Justice is clearly not the place for you.

To Tagurit:

I hope you will understand me this time and not be so unkind. Yes, I did resolve the issue. Student Federal Aid helped to consolodate the loans back in August of 2011. It is being paid up with Direct Loans. I used the story Secret Service to scare of the debt collectors. And every thing else was the truth. I had to change my name because you were being so unreasonable and forcefull. But if you try to be nice to people than you might get a better response. I was just saying all that other stuff to scare those debt collectors off. There is nothing else for me to say other than I hope that you all will no that you did resolve part of the issue of scaring those nasty debt collectors off. Yes, I still owe the government money and that was my responsiblity. But we don't default on purose and we are not criminal because we do. Just circumstances of financial burden does add up. But any way Direct Loans and the Federal Student Aid Ombudsmans office did clear up all the loan issue with Educational Credit Management Corporation. So now you know the truth. So I hope now we can all move on from this issue. And yes I did a fraud alert for all the credit agencies and the police report was also made. The debt collectors since have not returned. So at least thanks for that. So now I can move on with my responsiblity of my debt. And my studies with Criminal Justice at Ashworth College. In anger I wrote many things but you all were also not in the right to do what you did. I also try to make peace with you all but you kept pressing so I had to send out all those complaints against you all. But now this issue is resolved so I hope that clears everything with you all as well. C.D.

Do you mean the issue was resolved by (1) stealing the identity and pictures of the real Chitrita Dumire and posting as her therefore committing identity theft, slander, and libel or, (2) that the issue was resolved because you actually are Chitrita Dumire and the authorities hauled your whacko ass away after posting false information about the Secret Service.

Yes - the same nutjob calling herself Ladybug aka Chitrita Dumire who has now decided since the jig is up and we have identified her to change her posting to Coolwhip2012 and call herself Rosa.  But like most idiots she doesn't realize all the little footprints she left all over the internet on prior postings.  Google indexing is fantastic.  So easy to find stuff really.

IIRC she even got a visit from the Secret Service. Scary stuff.....

Issue resolved! M.W.

You are quite the Nut job, aren't you? You must walk around in circles mumbling over & over to yourself about all the injustice that is thrown your way. And STOP telling people what to do!

Thank you for all the comments related to this issue. However, comments are no longer being accept in regards to this comment on this site. Please refrain from any further comments in regards to this issue as all matters in regards to this issue has now been forward to Honorable Congressman Robert C. Scott of Richmond, VA. So no further comments are being accepted in regards to this issue as all issues in regards to this matter is being handled by Honorable Congressman Robert C. Scott. Otherwise everything pertaining to this issue on this site and in regards to me on this site has been forwarded to Honorable Congressman Robert C. Scott. Otherwise this subject is therefore CLOSED CASE on this site!

Ladybug.   If someone has fraudulently signed your name to a loan and you did not receive the proceeds of that loan then you need to file a police report.  This is critical - you MUST file a police report as this is what the authorities will be looking for as evidence.   Additionally, you need to place a permanent fraud alert on your credit bureau file as this may be an indication you are a vicitim of identity theft.  If however, you actually received the proceeds of the loan - there will not be much you can do nor will you be able to file a police report.

This complaint is in regards to US Department Of Education:

My issue is very serious. I am being frauded for a loan I do not owe the US Department Of Education/Direct Loans. I was scammed by a company whom fraudulently signed my information on to a College I never attended Centura College; 7914 Midlothian Turnpike, Richmond, Va. 23235. Phone 804-330-0111. Also a guarantee agency Educational Credit Management Corporation; owner Richard J. Boyle is the biggest fraud of all. He fraudulently signed my name and information onto a loan that I never applied for and on to a college that I never I applied for nor went to. I never applied to Centura College nor had ever taken classes there. This is injustice! I tried to get help from the Federal Student Aid Ombudmans Office but was denied. I tried to get help from Direct Loan Servicing Center and filed up forms for unauthorized/signature and unauthorized/payments however was once again denied. I tried to complain to the Inspector General's Office for US Department Of Education, but was also denied. I also tried to get help from my Governor here in the state of VA but was denied. I tried to get help from my state Attorney General here in VA but was denied. I tried to go to channel 12 onyourside here in Richmond, VA but was denied. I cannot afford a lawyer and I feel rippedoff! This loan is a fraud under my name Chitrita Dumire and US Department Of Education is forcing me to pay for it. And not only that Direct Loans forged my and my husbands signature on the loans without our authorization and is forcing us to pay for it. I also tried to complain to the State Council Of Higher Education For Virginai and they also treated me like a criminal and denied me a discharge of this fraudulent loan. I have documents to prove my claim but they all denied these documents. I only had two loans with the Federal Government under American Business Institute, and East Stroudsburg University and both were paid of in full. The record is on the NSLD records. I don't have any other loans thus far. However, Educational Credit Management Corporation and Centura College also ripped of my federal income tax last year for $2,849.00 saying because of my default they had to take it to pay off a debt I had with them. They are total rippoff's!! Crooks!! I went to Arne Duncan the US Department Of Education's Secretary to complain on his facebook and ask for help to properly have these loans discharged and my account settled on a final note with Direct Loans/Educational Credit Management Corporation St. Paul, Mn. 800-780-7997 and Centura College 804-330-0111 to give me a discharge notice as soon as possible and clear all record of this fraudulent loan off of all my accounts and with the NSLD records as well. To all those out there plan for college very carefully! And if at all possible avoid student loan period!!!!!

Sorry it took so long to answer you! But thanks so much for this important information. And it has helped. In dealing with students loans federal or private you have to be very carefull and keep all of your payment history records and pay on time and keep track of all of your important documentations in regards to your student loans. After this experience with this company Educational Credit Management Corporations St. Paul MN owned by Richard J. Boyle I have learned a big lesson. That if you want a student loan beware of this company and do your homework before you apply! It is very important that you research all options before you decide to get a student loan. Where ever you get it from just be carefull not to get it from Educational Credit Management Corporation which is located in St. Paul MN and also in Oakdale, MN and I believe they also have one in California somewhere! I apologize for my spelling as I am not so good. But I wrote my stroy to all the students out there that are struggling with student loans. There is always a way out! If you are dealing with student loans with Educational Credit Management Corporation or ECMC than don't hesitate to contact the attorney general of Minisota Lori Swanson. Her office is very nice and will help anyone dealing with ECMC. She has resolved my issue with ECMC and my loans are now consolodated with Direct Loans. They are not so bad but still you have to be carefull and make those payments on time and keep all the documents. Also beware of an abusive collections agency GC Services. If you are dealing with them get an attorney or the state that you reside get your attorney general to help you. Most usually they help or your state congressman. Also writing a letter to the President will also help. But most of all stay away from ECMC!!!! Good Luck!

Ok - here are some of the things you need to do.

1.  Get proof of all of the payments you made and the dates they cleared your account - if you were using a debit card then it is associated to your checking account so you should have a record of the exact date and amount of each payment.

2.  Gather any documents regarding the loan including the date of the month payments were due, any penalties for late payments, etc.

3.  Gather any written documentation you have on the agreement of $20 per month and they would work on a plan for you.   I hope you have this in writing, in email, text messages, voice mail recordings, etc. some way to prove it - if you don't you're probably screwed.

4.  If they have farmed this out to a debt collection agency as it appears they have, ask this agency to provide complete written proof and documentation of the debt and why it was placed with them.

5.  Find a reputable debt management/consolidation/reduction company to work with that can help you negotiate with the collection agency and the firm that placed this with the collection agency.  At the end of the day it is the originating firm who has the loan that you really have to deal and negotiate with.  Make sure they know you are willing to work with them - this is about you selling them on the benefits of getting some small regular payment from you versus nothing.  

6.  Don't take any BS from the collection agency.  If they call repeatedly, harrass you, call you at work, call you on your cell phone, etc. you have the right to write a letter to them asking that they not do this and they have to honor this request.   If you do this make sure to send it to them certified.

7.  Keep very exact records on everything.  Every conversation every payment everything.  If at all possible avoid conversations and force them to put everything in writing or via email.

Hope this helps.

Ok - here are some of the things you need to do.

1.  Get proof of all of the payments you made and the dates they cleared your account - if you were using a debit card then it is associated to your checking account so you should have a record of the exact date and amount of each payment.

2.  Gather any documents regarding the loan including the date of the month payments were due, any penalties for late payments, etc.

3.  Gather any written documentation you have on the agreement of $20 per month and they would work on a plan for you.   I hope you have this in writing, in email, text messages, voice mail recordings, etc. some way to prove it - if you don't you're probably screwed.

4.  If they have farmed this out to a debt collection agency as it appears they have, ask this agency to provide complete written proof and documentation of the debt and why it was placed with them.

5.  Find a reputable debt management/consolidation/reduction company to work with that can help you negotiate with the collection agency and the firm that placed this with the collection agency.  At the end of the day it is the originating firm who has the loan that you really have to deal and negotiate with.  Make sure they know you are willing to work with them - this is about you selling them on the benefits of getting some small regular payment from you versus nothing.  

6.  Don't take any BS from the collection agency.  If they call repeatedly, harrass you, call you at work, call you on your cell phone, etc. you have the right to write a letter to them asking that they not do this and they have to honor this request.   If you do this make sure to send it to them certified.

7.  Keep very exact records on everything.  Every conversation every payment everything.  If at all possible avoid conversations and force them to put everything in writing or via email.

Hope this helps.