• Report: #207961

Complaint Review: Van Rue

  • Submitted: Fri, August 25, 2006
  • Updated: Thu, October 16, 2008

  • Reported By:Citrus Heights California
Van Rue
1350 E. Touhy Avenue, Suite 300E Des Plaines, Illinois U.S.A.

Van Rue Credit Corporation Expects to magically come up with money Des Plaines Illinois

*Consumer Comment: People on Disabiltiy owing Federal Debts

*Author of original report: Paid no thanks to the injustice by an Oppressive Government and Collection Agency

*Consumer Suggestion: Just show some goodwill with a small payment.

*Consumer Suggestion: OKAY!

*UPDATE Employee: Thirty percent

*Author of original report: Specifics

*Author of original report: Specifics

*Author of original report: Specifics

*Author of original report: Specifics

*UPDATE EX-employee responds: Default denial

*Consumer Suggestion: Charles, YOU get a clue...

*Author of original report: Before Christian accuses me of more lies

*Author of original report: No comprehension of Semantics

*Author of original report: No comprehension of Semantics

*Author of original report: No comprehension of Semantics

*UPDATE Employee: Still no apology

*Author of original report: There you go again with the "refusal"

*UPDATE EX-employee responds: What's taking so long?

*UPDATE EX-employee responds: Unanswered questions

*Author of original report: Ranting

*Author of original report: Ranting

*Author of original report: Ranting

*Consumer Suggestion: With all the writing back and forth,

*Consumer Suggestion: With all the writing back and forth,

*Consumer Suggestion: With all the writing back and forth,

*Consumer Suggestion: With all the writing back and forth,

*UPDATE EX-employee responds: Beating a dead (beat) horse

*UPDATE EX-employee responds: Reality vs. fantasy

*Author of original report: A Real Job

*UPDATE EX-employee responds: Fraud and default

*Author of original report: What took you so long with your rebuttal, Christian

*UPDATE EX-employee responds: Pell Grant repayment

*Consumer Suggestion: Pell Grant

*Consumer Suggestion: Pell Grant

*Consumer Suggestion: Pell Grant

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Yes, I have a $400 Pell Grant that I have to pay back. My complaint is that the stupid idiots don't understand that I don't have the money yet. I only make $500 per month from disability. I tried to return to school in order to better my life and help become self sufficient. Due to transportation problems I had to drop out. Public Transportation in the city of Sacramento is a joke. So, yes, I had to drop out.

The freakin' idiots including the one who rebuttals from Chicago Illinois don't understand that money does not grow on trees. Hmmm... What a choice? Having me pay the debt back NOW and you getting your stupid bonus and me starving or you waiting a little while until my financial situation betters and me not having to starve?

Christian from Illinois, you try to pay your d*** bills on $500 a month including your student loan. Yes, I agreed to pay it back. But you d*** a**holes can wait until my financial situation betters. Because I can't pay NOW is NOT A REFUSAL TO PAY.

Think about, only the government can magically produce money when needed by oppressing the American Working class with hire taxes.

Think about it!

Charles
Citrus Heights, California
U.S.A.

This report was posted on Ripoff Report on 08/25/2006 06:05 PM and is a permanent record located here: http://www.ripoffreport.com/r/Van-Rue/Des-Plaines-Illinois-60018/Van-Rue-Credit-Corporation-Expects-to-magically-come-up-with-money-Des-Plaines-Illinois-207961. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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#1 Consumer Comment

People on Disabiltiy owing Federal Debts

AUTHOR: Weaver615 - (U.S.A.)

Although I understand that this may or may not be read being that this report is over 2 years old, I am going to post it here anyway. I realize the debt in question has been paid but there is allot of misunderstanding where disability is concerned. It is my hope that those who posted here read this and become better aware of how disability works.

If you are receiving Federal Disability payments (Social Security) it is money that YOU paid into the system already and NOT a hand out. Also, under the Social Security administrations OWN rules, a person receiving Disability payments is entitled to work and earn a certain amount money each month and still collect their Disability payments each month. Those individuals are given a 9 month trial work period every 36 months (3 years) in which they are allowed to earn as much money as they want while still collecting their disability. After each trial work period the Social Security Administration looks at the 3 months that the person earned the most money in and calculates whether or not the work performed is enough to be considered "gainfully employed". If not, then the person is allowed to continue receiving their disability payments, and may continue to work as long as they do not go over the monthly earned income allowed by the Social Security Administration. This amount changes every year and as of 2008 it is at $720 per month.

NOW, as for owing a Federal Debt, while you are responsible for that debt a collection agency LEGALLY cannot harass you once you have informed them that you are unable to pay due to being disabled and receiving Social Security Disability (if that is indeed what you are collecting). If they continue to call, you can and should file a complaint against them with the FTC (Federal Trade Commission). Now this does not excuse you from owing the debt and the Federal Government can and probably will offset your Social security, the good about this is, they can only offset anything over the first $750, so if you are collecting $800 per month in Social Security (After medicare premiums), the Federal Government can only take $50 of that $800 leaving you with $750. Of course the offset amount increases each year with the cost of living increase and the offset portion is applied Directly to your federal debt.

Now if your Social Security IS offset, collection agencies CAN NOT require you to pay more money to THEM. This is called Double Jeopardy and is Illegal for the collection agency to do so. I know this for a fact as I am in Default on a federal student loan in which my Social Security is being offset by $300 per month. Van Rue tried to get me to pay more ($2,000 per month) until I found out this little federal law. Once they were notified by my attorney that criminal charges COULD and WOULD be brought against them if they continued their harassment they stopped calling and left me alone.

You CANNOT be required/forced to pay TWICE on a federal debt PERIOD!!!!!

Van Rue tried everything from lieing the the DOE, telling them I entered into a repayment agreement with them and did not send payment,(which this Lie was proven to the DOE), to sending the local police to my house to arrest me for threatening their collection agents with bodily harm, which after an indepth investigation was proven totally FALSE.


Now the real kicker is this....I work and collect Social Security Disability. I make under the alloted amount so my wages can not even be garnished because, If you work under 25 hours a week No matter HOW MUCH you make (and I make JUST under the Social Security alloted amount) your wages CANNOT be Garnished even by Uncle Sam. This too is a Federal law that few if any know about.

So I hope those who posted here read this and learn something from it. If not then Oh well.....
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#2 Author of original report

Paid no thanks to the injustice by an Oppressive Government and Collection Agency

AUTHOR: Charles - (U.S.A.)

Well, guess what Christian? This freakin' Pell Grant is paid. As you I told you it takes time. But bone head bean counters, illicit debt collectors, and an oppressive Government made it nearly impossible.

Here it is July to which I have busy robbing my neighbors so I can have a garage sale. Whoever reads that statement and thinks that I am serious is an idiot. Christian, you cant comprehend how I am in California on the $500 per month but yet you think I have loads of loot to which I can sale at a garage sale. As for babysitting, a person with an emotional disorder is not a good thing to be doing that (I am talking about an overwhelming stress which does not help any recovery and by no means am I insinuating in any way hurting the little tykes.)
Like you said there is no excuse but not on my part. There is no excuse for financial bullies. There is no excuse that debt collectors who can't understand that there are those who cannot pay NOW. There is no excuse what Fair Isaac and the Credit Reporting Agencies have done to create a virtual debt prison in which there is no mechanism for people in my position to escape such injustices. There is no excuse for the lies of Risk Management to be greedy. Just as high taxes cause a burden on tax payers to which they are doomed to fail. The greed by banks and the government to charge an illicit overcharge to people who have had life events that can are up to devastating is immoral, unethical, and injustice all because of the BS of low credit scores. Those failed and failing banks got what they deserved for placing people in a position that will guarantee them to fail with an adjustable APR that skyrockets after so many years. To blame it on the groups that help with down payments is nothing but escape goat tactics to hide the truth on how wrong it is to make credit decisions and charges solely on credit scores and risk management and not character. Already being burden with the current payment with the hopes things will get better, the increased payments caused these people to fail. A lot in life does not occur in 30- 60- 90- 120- etc days. It took me 15 years and still I am suffering from the wrongs caused by financial institutions, erroneous big government policies, and destructive socialized medicine.

Too much power has been given to collection agencies to harm the well being of those in debt especially when the businesses and government agencies engage in harmful business practices. There is no excuse to forget the human factor and to mechanize the destroying of people lives. Case in point the illicit greedy lawyers and one brain cell libs who cry the so-called social justice to which they destroy the lives of descent law binding citizens. A city was flooded in a major hurricane because an illicit environmental group put a stop to fixing the levies through illicit law suits. Over 250 homes burned to the ground because another environmental tree hugging group had made it practically impossible for home owners to protect their homes in events of fires. Power hungry and greedy liberal politicians make it nearly impossible for someone who had no other place to go but on Social Security disability to become self sufficient especially when socialize medicine preached no real recovery and that individual would always have to live a pathetic non-productive non-life improving ward of the state where bureaucrats incessantly change benefits to which financial obligations cannot be met therefore destroying my credit to which it has been 15 years and I still cannot get on my feet because d**n groups like yours, Christian, repeatedly knock me on my back every time I try to get up. Banks promising to help restore credit but enact fees and charges making my credit worse and when some freakin bureaucrat turns around and thinks I have been paid incorrectly my $500 per month is less to which I cannot pay that bank to which fees upon fees are added causing me to default. Then comes the collection agencies and also scavenger debt purchasers like blood thirsty thieves to beat me up and bruise me even more. Then I fall for the lie that a degree will solve everything and realize I am not yet ready for such a life commitment to which again I am punished by people like you, Chirstian, who have no concept but the BS that there is no excuse for my situation and pay NOW anyways. This situation was created by the power hungry and greedy liars known as Demoncrats (and yes the n is there purposely). People like you falling for the lies that if I dont pay now, that others will suffer (especially with $300-$400). So like a good little communist I need to suffer for the good of the commune. And as I said it takes time and I was never refusing to pay. Maybe I should take Van Rue to court for this defamation of character because you always recorded my inability as a refusal. If I agreed to make payment to which I dont the funds yet and the payment is returned, I am assetted and even more horrible person who does not deserve life. Also, maybe I should take Fair Isaac to court for this injustice. I want justice, revenge, and restitution. I want my life back. I want my life as promised by our forefathers as stated in the Preamble. Those who vote for the slime bag libs and wishie washie mods need to realize that if humans were not here this world would not exist. That this world is here for human beings and to put the things of the world before the well being of people is out right stupidity. That big government is an impediment to true progress and the pursuit of happiness. That greed and hunger for power will destroy us. That the lack of knowing the importance of human life and the preservation of it is the cause of civilizations of the past downfall and will be true for us. That sexual perversions destroy the very essence of civilization and in turn also destroy it. That communism/socialism does not work and never will. (If they feel a need to burn any books then burn that little red one.) That the promises of socialized medicine is a lie and will result in the decay of services provided or result in needed services never being provided. Get it in your think brains that the lib elites do not give a d**n about anybody but their own advancement of the control over your lives to which will never quench their lust for power over us. They continually devise methods to keep people from truly prospering and punish people for productivity. They program people like Christian with the idea that their cause is just and there is no excuse for people like me not to give over to them that which we dont have. They are inept to the idea that if someone like me can actually produce now which will in turn enable us to pay our debts later but instead do everything they can to take away our ability and tools to produce placing us in a never ending jail (in essence a poor house). This is oppression. This is wrong. This must be stopped or we as a nation will cease to exist which in reality is their goal! Lousy Bush-o-phobes, Con-o-phones, Christian-o-phones! (No reference to your name Christian.)
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#3 Consumer Suggestion

Just show some goodwill with a small payment.

AUTHOR: Claire - (U.S.A.)

Charles, I am very sorry about your illness and wish you well. However, there is no possible reason why you cannot:
a) Show some goodwill by making some type of payment as a start
b) A yard sale could bring in a $100 or so.
c) Babysitting/odd jobs or a hundred other things could bring some money for futher payments.
Your mind set is one of victim under persecution. Woe with me. I have been raised with an ethic of do not borrow more than I can pay off. If this means selling my computer, television and dvd recorder so be it. If I have to live on beans on toast, fine. You are so far down the line of being seen as "right" that you have absoluted persuaded yourself that everyone else is wrong. You will achieve far more integrity by at least some effort, rather than spending all day in defence mode. I expect you are rather at the point now where you may feel embarrassed if you took even a little advice. Well don't. I expect people would think well of you if you gave it a go. Do it Charles, pay off the bloody thing and prove us all wrong in our assumptions.
You have been given a hard time, but I wish you the best in your health and future.
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#4 Consumer Suggestion

OKAY!

AUTHOR: R - (U.S.A.)

How about propaganda! Charles, it really is my hope that you can get this settled. It is in your best interest as well as the interests of others to pay this.

I do however need to address certain statements to clear them up for you. Yes, the Department of Education has millions and millions of dollars. It is a federally funded department that will continue to be funded. The DOE is in place to help every american citizen realize the dream of a college education and the income and social responsibilites that come along with it. If you have successfully completed two trade school programs as you say, you have realized this dream.

The "Mr. Clinton's" of the world are not dependent on the DOE. If a person with an extremely high income applies for financial aid, their expected family contribution will be so high that they are unable to receive need based aid. The only aid available through the Department of Ed to an un-needy family is the unsubsidized Stafford loan program. Basically this program is a higher interest rate loan that is made to students and the interest does accrue while in school. The subsidized Stafford loan does not accrue interest until you enter repayment.

On the topic of postgraduate degrees not being usable... Six months after you graduate or drop below half time you enter repayment. Your monthly payments begin on the seventh month after leaving school or dropping out. If a person cannot pay their student loan payment, there are government programs in place to help that student. If a student owes debt for receiving a post graduate degree and can't afford to make his payment, we can offer that student a hardship deferrment, reduced payment, forebearance, etc., BEFORE he goes into default. Many times the lender will also offer these options after the loan goes into default and reage the account and bring it current. It happens everyday, all you have to do is fill out a little paperwork. If you are unable to ever fully pay your student loan payment, there are options in place. If a person has a graduate degree and is willing to work in certain industries or locations, debt owed to the student loan program can be forgiven. This is the case with public school teachers much of the time. If a teacher agrees to work in an area where he or she is needed, for each year of service a portion of her debt will be forgiven.

Even major private institutions offer this option. If you receive a law degree from Harvard Law and then enter into employment with any public assistance program and don't earn the salary you should have earned working in the private sector, Harvard will forgive your law loan.

Charles, there are many options out there for everyone. There were many options for you. If you didn't have the money to pay Van Rue you certainly never should have told them your checking account number. They aren't responsible for your NSF charges.

Also when I originally responded to this post I don't believe you listened to me either. THERE IS NO GRACE PERIOD ON REFUNDS OWED TO THE DEPARTMENT OF EDUCATION BECAUSE OF DROPPING OUT OF SCHOOL. The day you drop out and didn't earn that grant, it is due in full. If the Department of Education is willing to accept $10 a month from you, they are showing you amnesty.

Also, the foreign policy and benevolence of our country is not of concern when it comes to paying back this money. True, $300 or $400 is a paltry amount compared to what the war in Iraq costs us as a country per day. True it is a paltry sum when you compare it to the massive humanitarian relief we send to other countries on a daily basis. We give away billions and billions of dollars as a country. Why? Because we as the richest nation cannot allow starvation, we can't not defend ourselves, and can't allow terrorism against us. This has nothing to do with you paying this money back to the Department of Education. This doesn't mean I don't have to write my check to Sallie Mae this month for my student loans.

I really do wish you would wise up and see what is wrong with your rationalization of not paying this debt back. I truly feel that you are hiding behind your justification of calling our country names and making references to irrelevant actions and events. No one forced you to accept this money. You chose to accept it on your own. And for whatever reason you dropped out of school, you dropped out. No one is responsible for you in life except for you.

While the Department of Education probably won't take swift and severe action against you, and while it isn't necessary in this case, please don't think you have gotten away with this. Van Rue will continue to contact you until the statute of limitations are up on this debt in your state. The Department of Education will NEVER forget that you owe them this debt. This money will have to be paid back sometime. The problem is that by not willing to give them even $10 a month, they have the right to charge you a default interest rate.

What I would suggest to you is to contact a non-profit credit counseling service. A consumer credit counseling agency can help you negotiate with Van Rue to try and eliminate some of the interest you've been charged as well as getting you on a payment plan you can afford. They are also able to assist you in properly budgeting your money every month. What you are living on every month is something that a lot of people have to live on, mainly the disabled and college students.

If you truly are only receiving $500 a month in government assitance, I have to believe you are also receiving other aid. Everyday when I calculate what a student is eligible to receive, I see students that only receive amounts such as yourself.

If you really do only receive $500 a month, and if you really did only report $500 a month on your FAFSA, any reputable college or trade school would have flagged you for low income verification. If you were flagged for low income verification you would have to justify your expenses based on your salary. This would include food, rent, utilities, clothing, travel expenses, etc.

If the average apartment here in North Florida costs $800 per month, I can only imagine what housing costs in California. I do believe you are living below the poverty level, so this leads me to believe you also receive government housing assitance, food stamps, medicare or medicaid, as well as temporary assistance for needy families if you have children. If the government is feeding you, housing you, and seeing to your medical care, I don't believe it is too much to ask to send them $5 or $10 a month. Van Rue may tell you they are not going to accept that payment, but I would find it very unlikely that they are going to turn away any money.

While the DOE probably won't take severe action against you, keep in mind they may. If you default on a student loan or owe a defaulted repayment of Title IV student aid, the government can do lots of things to you. If you are in default on your student loans this can prevent you from getting certain jobs or being eligible for certain programs.

What programs you ask? If you owe the Department of Education they can make you inelegible to receive certain public assistance such as food stamps, housing assistance, or temporary aid for needy families (TANF). When you add all of this up, it isn't wise to blame the government for your issues and problems.

And also keep in mind when the Department of Education disbursed whatever monies to you that were disbursed, they were being benevolent. They trusted that you would attend school like you had agreed, repay them if you didn't, and graduate from school. They gave you this money blind to the fact that you may not be the most trustable person or have the best credit imagineable. I'm not saying you are this person, but they took a chance on you. All you've done is left the Department of Education, the other needy students of America, as well as all of the tax paying citizens of America holding the bag. Before you keep calling our society socialist and before you keep calling Van Rue morons for trying to collect this money that is rightfully owed, think about this.
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#5 UPDATE Employee

Thirty percent

AUTHOR: Christian - (U.S.A.)

Charles,

No one said you were being charged an additional 30% for your loan. As is your custom, you didn't comprehend what you read.

The government pays an average of 30% of what a debtor owes to the agency that collects it.
To put it in a way you can grasp, the government isn't going to get all the money back that they loaned you because they had to hire another firm to collect from you.

To make it clearer, outside of the $6000.00 a year of taxpayer money that you've now admitted you are getting fraudulently by refusing to work minimum wage while claiming disability, an additional 30% of the money you owe on your Pell Grant will never be returned to the government.

You have apparently spent your adult life living on hand outs from the government by falsifying facts of you situation to do so.
Your a cheat, a liar and a drain on our system.
Unlike illegal aliens who come here and work, you live here and do nothing but complain about everyone else while drawing charity from the taxes of those who are willing to work... even for minimum wage.

You should be ashamed of yourself but you're too accustomed to running from your responsibilities while complaining about everyone else to see what's wrong with your own behavior.
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#6 Author of original report

Specifics

AUTHOR: Charles - (U.S.A.)

I want to make it clear that I want and am willing to pay back the Pell Grant but have been unable to in the past. When the bill came and later started getting calls from Van Rue I had no way of even affording paying $1 per month. In fact, I tried to comply and loe and behold I did not have the funds and my check bounced. And I tried to explain that I could not afford to do so at the time but the representative would not hear of it and continue to press on until I submitted.

They also brought up the bit about the government would levy such things. So the check bounced and now I am charged a NSF fee by my bank of which too I cannot afford. In which I pointed out in this debate the hypocrisy of a socialistic government strong arming its citizens while yet giving billions and billions of the taxpayers' money to foreign governments who won't pay it back and our "benevolent" government willingly write it off.


Then to do what it does to its citizens who cannot pay a repayment or even a tax immediately especially those who have been in socialistic programs trying to get back on their feet and to be financially responsible and then turn around and knock those citizens right back on their back. And like greedy thugs they threaten these people with harm.

I don't have a problem with the government outsourcing certain services to the private sector but when I signed the Stanford Loan Promissory note it states in the text that I would agree to pay a reasonable collection fee on the event of default. The key word here is "reasonable" and by no means is charging me 30% of the balance reasonable. Van Rue gets their 30% acting as Big Brother's thug and Big Brother gets their balance.

I understand that there are needy students out there and too are working out try to get an education and survive. What's sad is so many liberals promise getting an education will set a person for life (i.e. Mr. Kerry and the Clintons, but what Mr. Kerry does not tell anyone else is that he married a rich woman whose family earned their billions before there were even income taxes).

Then so many willingly spend 10's up to 100's of thousands of dollars through loans on education and receive advance Graduate degrees When these students graduate and enter the job market, they end up with $10 per hour jobs. Then of course they cannot pay the student loan and default.

Here comes Van Rue or other collection agency calling them now while charging those students, not the government, the 30% for the privilege of being harassed by Big Brother's thugs. Then these thugs hire people like Christian promising a better income than $10 per hour and programming these people with the thought that there are needy students who need the money owed to the Department of Education and these students cannot get the help they need due to the fact that there are dead beats refusing to pay their obligation.

These collection agencies also neglect to tell their employees that they are earning the collection agencies a nice big profit by receiving 30% of the balance owed which is added to the balance owed.

But when the Department of Education has billions of dollars available and our Big Brother government has trillions of which are wasted on futile feel good programs and giving away money to foreign governments who would cut our throats and in turn not pay it back, it is pathetic that Brother will hang someone like me who cannot pay back a tiny amount of approximately $400 (of which $300 is the original amount) immediately because I had to drop out of school due to circumstances beyond my control and sadly still had to be a ward of the state.

So again it is a rip off that Van Rue will act
as Big Brother's thug for a 30% fee of the balance owed which is added to the balance owed.
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#7 Author of original report

Specifics

AUTHOR: Charles - (U.S.A.)

I want to make it clear that I want and am willing to pay back the Pell Grant but have been unable to in the past. When the bill came and later started getting calls from Van Rue I had no way of even affording paying $1 per month. In fact, I tried to comply and loe and behold I did not have the funds and my check bounced. And I tried to explain that I could not afford to do so at the time but the representative would not hear of it and continue to press on until I submitted.

They also brought up the bit about the government would levy such things. So the check bounced and now I am charged a NSF fee by my bank of which too I cannot afford. In which I pointed out in this debate the hypocrisy of a socialistic government strong arming its citizens while yet giving billions and billions of the taxpayers' money to foreign governments who won't pay it back and our "benevolent" government willingly write it off.


Then to do what it does to its citizens who cannot pay a repayment or even a tax immediately especially those who have been in socialistic programs trying to get back on their feet and to be financially responsible and then turn around and knock those citizens right back on their back. And like greedy thugs they threaten these people with harm.

I don't have a problem with the government outsourcing certain services to the private sector but when I signed the Stanford Loan Promissory note it states in the text that I would agree to pay a reasonable collection fee on the event of default. The key word here is "reasonable" and by no means is charging me 30% of the balance reasonable. Van Rue gets their 30% acting as Big Brother's thug and Big Brother gets their balance.

I understand that there are needy students out there and too are working out try to get an education and survive. What's sad is so many liberals promise getting an education will set a person for life (i.e. Mr. Kerry and the Clintons, but what Mr. Kerry does not tell anyone else is that he married a rich woman whose family earned their billions before there were even income taxes).

Then so many willingly spend 10's up to 100's of thousands of dollars through loans on education and receive advance Graduate degrees When these students graduate and enter the job market, they end up with $10 per hour jobs. Then of course they cannot pay the student loan and default.

Here comes Van Rue or other collection agency calling them now while charging those students, not the government, the 30% for the privilege of being harassed by Big Brother's thugs. Then these thugs hire people like Christian promising a better income than $10 per hour and programming these people with the thought that there are needy students who need the money owed to the Department of Education and these students cannot get the help they need due to the fact that there are dead beats refusing to pay their obligation.

These collection agencies also neglect to tell their employees that they are earning the collection agencies a nice big profit by receiving 30% of the balance owed which is added to the balance owed.

But when the Department of Education has billions of dollars available and our Big Brother government has trillions of which are wasted on futile feel good programs and giving away money to foreign governments who would cut our throats and in turn not pay it back, it is pathetic that Brother will hang someone like me who cannot pay back a tiny amount of approximately $400 (of which $300 is the original amount) immediately because I had to drop out of school due to circumstances beyond my control and sadly still had to be a ward of the state.

So again it is a rip off that Van Rue will act
as Big Brother's thug for a 30% fee of the balance owed which is added to the balance owed.
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#8 Author of original report

Specifics

AUTHOR: Charles - (U.S.A.)

I want to make it clear that I want and am willing to pay back the Pell Grant but have been unable to in the past. When the bill came and later started getting calls from Van Rue I had no way of even affording paying $1 per month. In fact, I tried to comply and loe and behold I did not have the funds and my check bounced. And I tried to explain that I could not afford to do so at the time but the representative would not hear of it and continue to press on until I submitted.

They also brought up the bit about the government would levy such things. So the check bounced and now I am charged a NSF fee by my bank of which too I cannot afford. In which I pointed out in this debate the hypocrisy of a socialistic government strong arming its citizens while yet giving billions and billions of the taxpayers' money to foreign governments who won't pay it back and our "benevolent" government willingly write it off.


Then to do what it does to its citizens who cannot pay a repayment or even a tax immediately especially those who have been in socialistic programs trying to get back on their feet and to be financially responsible and then turn around and knock those citizens right back on their back. And like greedy thugs they threaten these people with harm.

I don't have a problem with the government outsourcing certain services to the private sector but when I signed the Stanford Loan Promissory note it states in the text that I would agree to pay a reasonable collection fee on the event of default. The key word here is "reasonable" and by no means is charging me 30% of the balance reasonable. Van Rue gets their 30% acting as Big Brother's thug and Big Brother gets their balance.

I understand that there are needy students out there and too are working out try to get an education and survive. What's sad is so many liberals promise getting an education will set a person for life (i.e. Mr. Kerry and the Clintons, but what Mr. Kerry does not tell anyone else is that he married a rich woman whose family earned their billions before there were even income taxes).

Then so many willingly spend 10's up to 100's of thousands of dollars through loans on education and receive advance Graduate degrees When these students graduate and enter the job market, they end up with $10 per hour jobs. Then of course they cannot pay the student loan and default.

Here comes Van Rue or other collection agency calling them now while charging those students, not the government, the 30% for the privilege of being harassed by Big Brother's thugs. Then these thugs hire people like Christian promising a better income than $10 per hour and programming these people with the thought that there are needy students who need the money owed to the Department of Education and these students cannot get the help they need due to the fact that there are dead beats refusing to pay their obligation.

These collection agencies also neglect to tell their employees that they are earning the collection agencies a nice big profit by receiving 30% of the balance owed which is added to the balance owed.

But when the Department of Education has billions of dollars available and our Big Brother government has trillions of which are wasted on futile feel good programs and giving away money to foreign governments who would cut our throats and in turn not pay it back, it is pathetic that Brother will hang someone like me who cannot pay back a tiny amount of approximately $400 (of which $300 is the original amount) immediately because I had to drop out of school due to circumstances beyond my control and sadly still had to be a ward of the state.

So again it is a rip off that Van Rue will act
as Big Brother's thug for a 30% fee of the balance owed which is added to the balance owed.
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#9 Author of original report

Specifics

AUTHOR: Charles - (U.S.A.)

I want to make it clear that I want and am willing to pay back the Pell Grant but have been unable to in the past. When the bill came and later started getting calls from Van Rue I had no way of even affording paying $1 per month. In fact, I tried to comply and loe and behold I did not have the funds and my check bounced. And I tried to explain that I could not afford to do so at the time but the representative would not hear of it and continue to press on until I submitted.

They also brought up the bit about the government would levy such things. So the check bounced and now I am charged a NSF fee by my bank of which too I cannot afford. In which I pointed out in this debate the hypocrisy of a socialistic government strong arming its citizens while yet giving billions and billions of the taxpayers' money to foreign governments who won't pay it back and our "benevolent" government willingly write it off.


Then to do what it does to its citizens who cannot pay a repayment or even a tax immediately especially those who have been in socialistic programs trying to get back on their feet and to be financially responsible and then turn around and knock those citizens right back on their back. And like greedy thugs they threaten these people with harm.

I don't have a problem with the government outsourcing certain services to the private sector but when I signed the Stanford Loan Promissory note it states in the text that I would agree to pay a reasonable collection fee on the event of default. The key word here is "reasonable" and by no means is charging me 30% of the balance reasonable. Van Rue gets their 30% acting as Big Brother's thug and Big Brother gets their balance.

I understand that there are needy students out there and too are working out try to get an education and survive. What's sad is so many liberals promise getting an education will set a person for life (i.e. Mr. Kerry and the Clintons, but what Mr. Kerry does not tell anyone else is that he married a rich woman whose family earned their billions before there were even income taxes).

Then so many willingly spend 10's up to 100's of thousands of dollars through loans on education and receive advance Graduate degrees When these students graduate and enter the job market, they end up with $10 per hour jobs. Then of course they cannot pay the student loan and default.

Here comes Van Rue or other collection agency calling them now while charging those students, not the government, the 30% for the privilege of being harassed by Big Brother's thugs. Then these thugs hire people like Christian promising a better income than $10 per hour and programming these people with the thought that there are needy students who need the money owed to the Department of Education and these students cannot get the help they need due to the fact that there are dead beats refusing to pay their obligation.

These collection agencies also neglect to tell their employees that they are earning the collection agencies a nice big profit by receiving 30% of the balance owed which is added to the balance owed.

But when the Department of Education has billions of dollars available and our Big Brother government has trillions of which are wasted on futile feel good programs and giving away money to foreign governments who would cut our throats and in turn not pay it back, it is pathetic that Brother will hang someone like me who cannot pay back a tiny amount of approximately $400 (of which $300 is the original amount) immediately because I had to drop out of school due to circumstances beyond my control and sadly still had to be a ward of the state.

So again it is a rip off that Van Rue will act
as Big Brother's thug for a 30% fee of the balance owed which is added to the balance owed.
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#10 UPDATE EX-employee responds

Default denial

AUTHOR: Christian - (U.S.A.)

Charles, you said:
My earning an extra income was to to earn an extra $30 to $100 occasionally. And I mean occasionally by once or twice every 2,3 or 4 months.

If you claimed income while receiving disability because you're unable to work your disability would have been stopped.

You went on to say:

As far as working 40 hours in minimum wage job, yeah right! Try to get 40 hours or even 30 hours at a minimum job in the Sacramento area. Minimum wage job holders are lucky if they even get 20 hours.

Since you refused to work a minimum wage job, how do you know what was or wasn't available to you? If you'd tried to get one of those minimum wage jobs for 20 hours you wouldn't have needed the handout you claim to hate but were eager to accept.

Here's more:
Again, a Pell Grant is not a loan. I received the first bill for the Pell Grant repayment about a little more than a year ago. And if Christian would actually bother to read, my student loan is not in default and is currently being paid back.

Your Pell Grant was a promise that you would complete your course. When you dropped out it became a loan. That loan is currently in default due to nonpayment and will stay that way until you complete a repayment plan. A collection agency wouldn't be calling if you weren't in default.

Then you said:
Also, it is a rip off that the collection agent approaches the debtor as a criminal instead of a human being who is currently having financial difficulties and again is looking or working on taking care of that debt.

As you have admitted, you defrauded the government by claiming your inability to work and accepting disability while stating here you refused to work for minimum wage. While the collection agency didn't treat you as a criminal, your admission indicates that you are a liar, cheat and a thief. Your behavior regarding the handout is criminal behavior.

Finally you said:
So, Christian you are not going to win this argument...

The collection costs on your loan are the penalty for being in default, regardless of the fact that you can't grasp that you are in default. Your promise to pay in January has as much merit as your promise to tell the truth on your disability claim. Until you complete the rehabilitation agreement by making all of the monthly payments, you will remain in default and your credit report will indicate the default.

You've been given some good advice from a loan officer in another post here. I would suggest you take it.
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#11 Consumer Suggestion

Charles, YOU get a clue...

AUTHOR: R - (U.S.A.)

Charles, first of all I sypmathize with you. If you truly are disabled and can't afford to pay your bills, that is a very unfortunate situation to be in. If you have some kind of disability that prevents you from working, you deserve every bit of state and federal aid you can get.

The case however is that of a refund due to the Pell Grant system. To explain to everyone, a Pell Grant is never a loan. If you drop out of school it does not become a loan. If you drop below the hours you agreed to go to school, you then owe the government on the portion of the grant you weren't entitled to. When you accept the Pell Grant you are agreeing that if you do drop out of school, the portion you weren't entitled to is due back to the Department of Education IMMEDIATELY.

There is no grace period on paying back refunds due to the Dept of Ed. They expect their money back in the same fashion they disbursed it to the school, or to you. The fact that you are experiencing entenuatiing circumstances is something they couldn't care less about.

As I'm sure you are very well aware, once you owe a refund on Title IV federal student aid, you are ineligible to continue receiving financial aid. This includes the Pell Grant and the Stafford Loan programs.

One word of advice, and a word of caution... You have eluded to the fact that you may have some income that has not been reported to the Department of Education or the IRS. When you applied to receive your Pell you had to fill out a FAFSA - the Free Application for Federal Student Aid. When you fill out this form you are swearing under penalties of perjury and fraud that you are documenting your income from all sources - whether public or private. Also on the FAFSA there are questions concerning money paid to you by others, including private contributions.

By being on this site, stating you can't pay your debt, you may have actually landed yourself into very serious trouble. If for some reason Van Rue decides to pursue you, and they contact your original financial aid office and request copies of your FAFSA and you have reported inconsistencies - this constitutes fraud on your part. Another thing I would be very concerned about would be the previous financial aid you received.

Once we (financial aid officers) suspect fraud on any financial aid application, we can audit any year's FAFSA. At that point we have the right to request tax returns and documentation of all sources of income. Just because you got away with not reporting your income in the previous years and are just now having to pay a refund back doesn't mean the Dept. of Ed can't pursue you.

You really are backing yourself into a hole. If you had been a little more willing to communicate with the Dept. of Ed, your debt would not have been sent to an outside collection agency anyway. The Federal Pell Grant is a fund that is set up for needy students to attend college. When the DOE disburses funds that are not entitled funds, it robs every needy student in the United States. By outsourcing your debt to collection, the DOE has probably had to agree to give half of any money it collects to the agency. This isn't fair to a student who needs this money to go to school.

It will probably be in your best interest to contact Van Rue and try to arrange some kind of repayment plan. I'm not sure what the state law is in California, but in some states if you owe a refund on federal student aid, the government can levy your bank account, file liens against you, or even suspend government assistance. I'm sure you can come up with $20 a month to pay back towards this debt.

I'm sorry if this sounds harsh and I'm very sorry you've fallen on hard times. But when the Department of Ed disburses Pell money they are disbursing it to needy students. I see students in my office everyday that can't afford to pay to go to school - students who don't even qualify for the Pell because of income. It's just not fair to anyone that you don't repay this debt.
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#12 Author of original report

Before Christian accuses me of more lies

AUTHOR: Charles - (U.S.A.)

Before Christian accuses me of ignoring Christian's assumption of my earning a little extra money and of not reporting it in which I did previously state I do report it. My earning an extra income was to to earn an extra $30 to $100 occasionally. And I mean occasionally by once or twice every 2,3 or 4 months.

As far as working 40 hours in minimum wage job, yeah right! Try to get 40 hours or even 30 hours at a minimum job in the Sacramento area. Minimum wage job holders are lucky if they even get 20 hours.

Again, a Pell Grant is not a loan. I received the first bill for the Pell Grant repayment about a little more than a year ago. And if Christian would actually bother to read, my student loan is not in default and is currently being paid back.

Collection agents seem to have no comprehension that with a with minimal fixed income one can only budget so much. I am tired of reiterating that I am not refusing to pay my debt and that the freakin' Pell Grant is not a student loan.

And again enough is enough; the rip off is that collection agencies charge the consumer too much for their services of belittling that consumer ("debtor") and causing unnecessary (1 c and 2 s in necessary) over stress.

Furthermore, expecting the debtor to come up with money that the debtor does not have is the same as an extorsionist demanding protection money as that if the debtor does not pay they will damage ones credit in order to satisfy the collector's bonus or commission.

It is also a rip off that the collection agencies refuse to incoporate a mechanism in which they can record on the debtor's file that the debtor has a willingness to pay but cannot pay at that time and is looking for a solution in which to pay that debt of which takes time and does not always occur immediately. Instead they record it as a refusal to pay.

Also, it is a rip off that the collection agent approaches the debtor as a criminal instead of a human being who is currently having financial difficulties and again is looking or working on taking care of that debt. It is also a rip off that the debt collectors treat all debtors as though they are just like the few creeps out there who do refuse to pay a debt that that debtor (2 thats are correct) legally owes.

So, Christian you are not going to win this argument because in January I will be in a position to pay back that Pell Grant, of which is not a loan. Proving you and your colleagues are liars stating that I am refusing to pay.
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#13 Author of original report

No comprehension of Semantics

AUTHOR: Charles - (U.S.A.)

Obviously, you have no comprehension of semantics. It's all syntax with you and your like who are just like the inanimate machines I work with.

I told you I cannot pay now which does not equate that I will never pay.

Enough is enough; you are a bonehead like your colleagues and have no real comprehension of someone in my position that does not have the money. You have no comprehension of some things takes time and cannot happen when --->you<---- want it to.

The only way I can make a Pell Grant go away is if my condition had worsened in which case it did not. As the letter that I received from the department of Education states there are no mechanism for deferring repayment of a Pell Grant due to financial difficulties. You have called me a liar yet you want to have my shrink lie about the status of my condition. I started school and planned to stay until completed school in which I would have had my degree and would be able to gain employment to pay my student loan. The Pell Grant that I would have received would never need to be repaid. Do to circumstances beyond my control, I had to drop out. Now, I need to pay back the Pell Grant that I cannot pay right now. I never said I will not pay. The lies come from you and your cohorts.

As far as misspellings:
I may have forgotten the ' in It's. Or maybe typed an extra s or missed an "i" and boy did I blow it on debilitating. Goofed up on embryo and mechanized. But at least I have basic understanding of semantics and grammar.

You need a grammar check
"You understand --->the<--- you borrowed the money from the government (taxpayers) in order to better your life."

"That way some of the higher (Please note the spelling of the word higher) taxes of the --->the<--- American working class won't have to go to supporting you."

"If you take my --->advise<---, check the public transportation schedule prior to taking the position" I think you meant advice.

And also just like those at Van Ru who state that it is my responsibility to take care of my loan. You are implying that I am irresponsible because I cannot do anything about immediately (in which I have been using the word "now.")

So Miss or Mister Perfectoe, get a real a job instead of being a thug.
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#14 Author of original report

No comprehension of Semantics

AUTHOR: Charles - (U.S.A.)

Obviously, you have no comprehension of semantics. It's all syntax with you and your like who are just like the inanimate machines I work with.

I told you I cannot pay now which does not equate that I will never pay.

Enough is enough; you are a bonehead like your colleagues and have no real comprehension of someone in my position that does not have the money. You have no comprehension of some things takes time and cannot happen when --->you<---- want it to.

The only way I can make a Pell Grant go away is if my condition had worsened in which case it did not. As the letter that I received from the department of Education states there are no mechanism for deferring repayment of a Pell Grant due to financial difficulties. You have called me a liar yet you want to have my shrink lie about the status of my condition. I started school and planned to stay until completed school in which I would have had my degree and would be able to gain employment to pay my student loan. The Pell Grant that I would have received would never need to be repaid. Do to circumstances beyond my control, I had to drop out. Now, I need to pay back the Pell Grant that I cannot pay right now. I never said I will not pay. The lies come from you and your cohorts.

As far as misspellings:
I may have forgotten the ' in It's. Or maybe typed an extra s or missed an "i" and boy did I blow it on debilitating. Goofed up on embryo and mechanized. But at least I have basic understanding of semantics and grammar.

You need a grammar check
"You understand --->the<--- you borrowed the money from the government (taxpayers) in order to better your life."

"That way some of the higher (Please note the spelling of the word higher) taxes of the --->the<--- American working class won't have to go to supporting you."

"If you take my --->advise<---, check the public transportation schedule prior to taking the position" I think you meant advice.

And also just like those at Van Ru who state that it is my responsibility to take care of my loan. You are implying that I am irresponsible because I cannot do anything about immediately (in which I have been using the word "now.")

So Miss or Mister Perfectoe, get a real a job instead of being a thug.
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#15 Author of original report

No comprehension of Semantics

AUTHOR: Charles - (U.S.A.)

Obviously, you have no comprehension of semantics. It's all syntax with you and your like who are just like the inanimate machines I work with.

I told you I cannot pay now which does not equate that I will never pay.

Enough is enough; you are a bonehead like your colleagues and have no real comprehension of someone in my position that does not have the money. You have no comprehension of some things takes time and cannot happen when --->you<---- want it to.

The only way I can make a Pell Grant go away is if my condition had worsened in which case it did not. As the letter that I received from the department of Education states there are no mechanism for deferring repayment of a Pell Grant due to financial difficulties. You have called me a liar yet you want to have my shrink lie about the status of my condition. I started school and planned to stay until completed school in which I would have had my degree and would be able to gain employment to pay my student loan. The Pell Grant that I would have received would never need to be repaid. Do to circumstances beyond my control, I had to drop out. Now, I need to pay back the Pell Grant that I cannot pay right now. I never said I will not pay. The lies come from you and your cohorts.

As far as misspellings:
I may have forgotten the ' in It's. Or maybe typed an extra s or missed an "i" and boy did I blow it on debilitating. Goofed up on embryo and mechanized. But at least I have basic understanding of semantics and grammar.

You need a grammar check
"You understand --->the<--- you borrowed the money from the government (taxpayers) in order to better your life."

"That way some of the higher (Please note the spelling of the word higher) taxes of the --->the<--- American working class won't have to go to supporting you."

"If you take my --->advise<---, check the public transportation schedule prior to taking the position" I think you meant advice.

And also just like those at Van Ru who state that it is my responsibility to take care of my loan. You are implying that I am irresponsible because I cannot do anything about immediately (in which I have been using the word "now.")

So Miss or Mister Perfectoe, get a real a job instead of being a thug.
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#16 UPDATE Employee

Still no apology

AUTHOR: Christian - (U.S.A.)

Charles,

You still haven't said how old your loan is. Perhaps you missed the question... twice.

You also said that you were able to work minimum wage jobs but refused to and took a disability check because you said you couldn't work at all.
That's fraud.
Claiming your side job money would have jeopardized your claim that you couldn't work... along with the free hand out.

A minimum wage job in California at 20 hours a week would earn you more than your handout.
A simple Google search of minimum wage in California and a basic knowledge of math would have put that together for you.
A 40 hour work week would have given you money to pay back your defaulted loan.
The facts don't support your version of the truth.

The Pell Grant you signed for stipulated that you would be responsible for the loan if you quit.
The fact that you didn't make arrangements on the hand out for your transportation to school doesn't absolve you of the loan.

Had you checked further into your responsibility for the Pell Grant you would have learned how to put it into deferment. You didn't bother.

Go back and check your letter. You spelled many words wrong. If your computer has a spell check, you need to take a course on how it works.

All you've illustrated here is how far you'd go to keep from paying your debts.

I still collect Charles, I left Van Ru for an agency closer to my home. I'm still friends with many of the collectors there and I could return at anytime. I'm collecting for the SLMA now. Thanks for asking.
Now own up to your responsibilities and pay your debt.
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#17 Author of original report

There you go again with the "refusal"

AUTHOR: Charles - (U.S.A.)

First, I have been too busy to respond or even access your rebuttal when I got the email that a rebuttal was submitted. Besides, It took you almost 2 months for your first rebuttal for this real and non-trivial complaint.

Again, I am not refusing to pay. Because I cannot pay NOW, Christian, does not mean I am refusing. Get a brain! Amazing you have not gotten out your dictional to find that refusal is to decline in which I am not declining to pay but cannot due to the fact I don't have the money yet!.

I did not borrow a Pell GRANT. My complaint is that Van Rue records my inability to PAY NOW as a "refusal to pay" which is a blantant lie!!!!!!!!!!!! Van Rue does not have a method of recording anything as a willingness to pay but currently have an inability.

I am a victim of Van Rue's lies and jerks like you who have no clue what it means to have a willingness to pay but can't. Okay I agree to make a $50 payment. Who knows where the money comes from. The payment bounces and now in the eyes of creeps like you and Van Rue, I am even now a more terrible person.

People like you twist everything said and focus on the trivial. It is also a lie that I don't report any income I occasional make. Because I do. You also don't know how to read because I said I do not prefer the FREE hand out but what else is there. My complaint included in this real complaint of Van Rue is that there is something better than socialism.

You accuse me of a lot of things by foolish assumptions. There are a lot of ways, quite legal and ethical and moral, of accessing the internet and using computers and not just going to the library. Because I was basically on welfare, does not mean I don't know anyone with a computer with access.

Then jerks like you expect me to go beg my friends and family if I can "borrow" the money so that you can get your bonus and Van Rue their 30%. Which is another rip off. It is really hard to find sales job with even a 15% commission.

And no there is no apology needed but from people like you and Van Rue with you falsifying of the facts.

Yes, for Student Loans, there is a system for deferring your loan. But then again you can't get a clue that there is difference between a student loan and A PELL GRANT! Also, there are no methods of deferring other debts not including student loans of which I was just making a comment that there should be. By far having nothing to do with the trivial.

Also, at this time I have no intention to returning to school so there will be no need to access any other "government programs".

So, tell me, Christian, why are you not at Van Rue anymore? They get wise to your foolishness.

BTW. A Liberal is a bleeding heart. A compassionate heart is by no ways a bleeding heart or that of a liberal. In fact, I find a lot if not all liberals have stoney hearts to human descency and progress.

I will write this is all-caps so maybe that you can get a little comprehension, I HAVE NO PROBLEM PAYING MY BILLS. WHAT IT TAKES TO PAY A BILL IS MONEY. MONEY IS NOT SOMETHING I DO NOT HAVE A LOT OF AT THIS TIME. $500 PER MONTH CAN ONLY GO SO FAR. WHICH MEANS THE NECESSITIES OF LIFE FIRST!!!!!!! HAS NOTHING TO DO WITH LIBERALISM.
I GOT SICK OVER A DECADE AGO. I HAVE BEEN TRYING HARD TO TRY TO BECOME SELF SUFFICIENT BUT WITH MY CONDITION AND THE SOCIALISTIC PROGRAMS IN PLACE IT IS RATHER DIFFICULT AND AT TIMES IT WAS IMPOSSIBLE. THE ONLY THING AVAILABLE WAS THAT IN-HUMAN PROGRAM KNOWN AS SOCIALISM. THERE WAS NOTHING ELSE. I COULD NOT WORK. I HAD TO BECOME A d**n CONSUMER OF THE MOST HORRIBLE PROGRAM KNOWN AS SOCIALISM. SOCIALISM IS NOT THE ANSWER BUT WHAT CAN I DO?
I HAVE BEEN WORKING ON GETTING HEALTHY SO THAT I CAN WORK AND BE SELF SUFFICIENT SO THAT I CAN PAY MY BILLS. THE SOCIALISITC PROGRAMS IN PLACE PROLONGED ANY RECOVERY. MINIMUM WAGE JOBS ARE HONORABLE BUT NOT FOR ME AND MY SITUATION. I CANNOT BECOME SELF SUFFICIENT ON MINIMUM WAGE JOBS ESPECIALLY WHEN I HAVE MORE ADVANCED SKILLS IN WHICH I CAN MAKE MORE MONEY. IF I WORKED A MINIMUM WAGE JOB I STILL WOULD NOT BE ABLE TO MAKE ENOUGH TO PAY MY BILLS IN WHICH I WOULD GET CALLS FROM CREEPS FROM COLLECTION AGENCIES LIKE VAN RUE DEMANDING PAYMENT THEREFORE CAUSING TOO MUCH STRESS WHICH DOES NOT HELP MY CONDITION. SINCE CHRISTIAN IS SO KEEN ON LOOKING UP IN A PSYCHOLOGY BOOK THE SYMPTOMS OF MY CONDITION, CHRISTIAN CAN ALSO SEE HOW TOO MUCH STRESS AFFECTS MY CONDITION.
OKAY, SINCE WORKING MINIMUM WAGE JOBS IS NOT AN IDEAL SITUATION FOR ME AND SINCE SO MANY EMPLOYERS DEMAND A BS DEGREE FOR THE SKILL SET IN WHICH I AM SKILLED, I WENT TO DEVRY. I PLANNED TO CONTINUE THERE UNTIL I GET MY DEGREE. BUT I CANNOT SEE THE FUTURE, AND CIRCUMSTANCES BEYOND MY CONTROL, I HAD TO NOT CONTINUE MY EDUCATION AT THIS TIME. AT WHICH TIME I WAS UNAWARE THAT OF ANY FUNDS NEEDED TO BE PAID BACK FROM THE PELL GRANT.
I GET A BILL FOR ABOUT $300 FOR PAYING BACK AN UNUSED PELL GRANT THAT I COULD NOT USE FOR MY EDUCATION AT WHICH TIME I WAS HAD A $500 PER MONTH INCOME WHICH WAS BUDGETTED WITH NO EXTRA MONEY AVAILABLE. MY ASSUMPTION TO CHRISTIAN, IS THAT CHRISTIAN'S MOMMY AND DADDY PAID FOR CHRISTIAN'S EDUCATION. I DO NOT HAVE THAT LUXURY. I HAVE TO PAY FOR MY OWN EDUCATION. HEY, SINCE I AM SUCH A LIBERAL I COULD MAYBE HAVE HAD THE DEPARTMENT OF REHABILITATION PAY FOR MY EDUCATION. OH BOY! MORE FREE MONEY! IDIOT!
NO I AM GOING TO PAY FOR MY OWN EDUCATION ALSO SINCE I DID QUALIFY FOR A PELL GRANT I DON'T KNOW IF THERE WAS A WAY TO REFUSE IT ANYWAYS. I GET THAT BILL FOR THE PELL GRANT REFUND I HAVE TO PAY. I CANNOT PAY NOW. BUT I NEVER SAID THAT I WOULD NEVER PAY IT. I JUST CANNOT PAY ----------->NOW<----------! OKAY. VAN RUE COMES IN A SAYS FOR 30% THEY WILL COLLECT IT FOR THE GOVERNMENT. NOW I OWE ABOUT $400. THEN THEY CALL ME AND I SAY I CANNOT PAY NOW. "OH NO! YOU CANNOT PAY! YOU REFUSE TO PAY! YOU ARE DEAD BEAT! IT IS YOUR RESPONSIBILTY. YOU SIGNED AN AGREEMENT. YOU PAY ME! GO BORROW FROM YOU FAMILY AND FRIENDS. YOU SCUM OF THE EARTH PAY ME. YOU CANNOT PAY. YOU REFUSE TO PAY. YOU ARE TRYING TO GET OUT OF YOUR RESPONSILIBITY. PAY ME. PAY ME.PAY ME.PAY ME.PAY ME.PAY ME.PAY ME.PAY ME. YOU CANNOT PAY. I WILL RECORD THAT AS A REFUSAL TO PAY!" THE QUOTATION IS OF COUSE ARE NOT VERBATUM BUT BASICALLY A PARAPHRASE OF MY DEALING WITH VAN RUE.
You know what Christian? Did you forget to take mathematics and physics in school? BECAUSE YOU CANNOT GET SOMETHING FROM NOTHING! You say go get a job. Okay, I get a minimum wage job which still brings in only $500 per month (don't forget that is after taxes and such). Still I cannot pay and still you lie and say I refuse to pay. So what's the incentive? Hmmm. "Incentive." a key aspect of capitalism and prospering of which a liberal would denounce.
BTW. I am not only one ranting. You're ranting that these "liberals" are trying to get out of paying. Goes both ways.
So my complaint is real and nothing trivial. The time in which I received the bill and the time of which I submitted this complaint there have been no opportunities in which I could earn $400 for paying this bill. Besides, I would have better liked to have had an opportunity available for $300 so that I could avoid the illicit Van Rue fee of $98 which is the true thief.
The real trivial point was the question of how I can access the internet. Maybe I should just write a book of my life story so that Christian can understand how somethings can be done even with only $500 per month (with a few extra reported earnings here and there) legally, ethically, and morally, except paying unexpected bills from thin air. (yeah, right)

Nixt!!! That is a misspelling of "next" on purpose.
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#18 UPDATE EX-employee responds

What's taking so long?

AUTHOR: Christian - (U.S.A.)

Charles,

You've been silent for more than a week now.
Is it possible that revealing a few facts regarding your actions has somehow silenced your unrighteous indignation?
The truth always seems obvious until the real truth shows up to discredit it.

Along with your responsibility toward your Pell Grant, I think you have an obligation to admit that your complaint here was less about the actions of Van Ru Credit Corporation and more about your desire to discredit an organization hired by the government that asked you to keep your word.

By refusing to reveal any facts that would destroy your complaint originally; such as your under-the-table unreported side job income
and your admission that you were able to work but preferred free State funds for disability, (While complaining about the amount of your stolen handout) you painted a tainted image of your situation in order to seem like the victim and lodge a complaint.

I think an apology is certainly in order.
Since the rules of this site state that:"NO trivial comments will be accepted. Solid, productive criticism, your opinions and other Consumer Comments will be treated like letters to the Editor", perhaps you can avoid further embarrassment by asking that your complaint be removed.
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#19 UPDATE EX-employee responds

Unanswered questions

AUTHOR: Christian - (U.S.A.)

Charles,

You couldn't decide where to begin. You could have answered the questions I asked.. like how old is this loan you've been unable to pay or where a poor American like yourself finds the money for Internet access.

You might also have explained why your advanced knowledge of computers hasn't earned you the $400.00 needed to pay off this loan. (Or your ability to spell check your own responses)
You've also ignored the side job money question.
Since you say you used it to supplement your meager handout, you obviously failed to report it thereby defrauding the government in order to keep your handout in place.

In your last rant you claimed there should have been a system in place to defer the loan due to your extenuating circumstances. I explained that there was and you never bothered to investigate it during the year or more that your loan waited for a payment before going to collections.
You need to update your high opinion of yourself to include thief and liar while rethinking your victim hood status.

Like the politicians you dislike, you've ignored all the questions which would reveal your true agenda in order to rant about everything but the matter at hand, your defaulted loan and your refusal to pay to pay back the taxpayers of this country.

Until you find the time and spine to answer the questions I've asked you, your rants are just noise to keep you from claiming responsibility for your actions.

Like most Liberal borrowers I encountered during my days at Van Ru, you want to discuss everything except your own responsibility for your debts.
Fortunately your refusal to pay will prohibit you from furthering your education at taxpayer expense... unless some Liberal politician decides you're entitled to more money, in which case you'll be at the head of the line.

Christian
Chicago, Il.
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#20 Author of original report

Ranting

AUTHOR: Charles - (U.S.A.)

Hmmm.. where to begin? First, there are a lot of reasons why I even began posting my "complaint" of which I may or may not divulge (I admit I had to use spell check for that word, doii).
I'll answer Elaine from Boise, first. I am not trying to get out of any debt. Haven't you been reading? It is now 7:19PM, we'll see if I have been typing for hours or not. I don't really want to talk to an attorney about this because there is no need to.

Yes, I am ranting. So, what! I do have a constitutional right to do so. I ask you this, isn't credit based on "can't pay now but will pay later." BTW, collection agencies cannot sue. It is only the original creditor who can.
Like, I told Christian. I got a job but it seems that person thinks it's only in my head. Yeah, Dr. Christian (that is sarcasm with Dr. thing) does not understand that there are different degrees of mental health conditions such as "schizoaffective" or what ever they may call it in 10 or 20 years.

Why I began this whole "debate"? First, is to have some fun and blow off some steam. Also, to attempt to get people who think a little more about people who have a disability and want to make a rewarding life for themselves but because of the "programs" put in place by certain God damned socialistic pigs, it is almost an impossible feet to accomplish. I should have recovered a lot sooner than 15-16 years later.

Yeah, there are some with my condition that think they are James Bond or Napolean, but there are those with a lot less severe cases. Since Christian is so anal about me signing a contract it is that this Christian does not realize that the specifics of my disablity is illegal to be asked about as a factor to signing the contract. If I wasn't mentally capable of engaging in a legal document, that would have been discovered along time ago.

Many people have become too mechanised such as Christian that they forget the Human factor. So basically they see situation "A" means factor "B". Abortionist sees a human embrio as a fish so says it is okay to kill it. But they don't see that the so-called fish in the womb is not a fish but a human being. Tell me what fish has human DNA? Then they put people in jail for killing a stupid dog. Pathetic.
Hmmm. 21 minutes have past.

There are a few collectors out there that understand that some people are in a situation that they can't pay immediately (and yes the way some "brilliant" politicians and bankers have set the system up, it makes a debtor credit bad in which people like Christian equate these people as scum of the earth). In my opinion, Van Rue just happens to be one of these many slimey firms of who have no concept but absolute profit.

For those nitwits (another slang term) who will twist what I am writing (typing to be technical), I have no problem with businesses and people making profits. The problem is when profit is more important than the human factor. Also, don't make me define the term "human factor". Our forefathers who wrote the constitution did not need to define "do process" as that it was already understood. Reading and understanding the "Federalists Papers" should be a prerequisite before a person becomes a lawyer or even a judge.
The reader with any sense would also make note that my "rants" also have a political agenda. Hmmm. That bit took 6 minutes.

So, Christian get a life and let people exercise their rants and 1st amendment rights and complain about illegitimate collection agencies like yours. Legality does not always constitute legitimacy.

Well, my few, or unlikely many, readers: that concludes another rant from the nut case from Citrus Heights, CA.
Hmmm. 2 minutes to 8PM on the same day and time zone. Time to watch something on the tele in my padded room.
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#21 Author of original report

Ranting

AUTHOR: Charles - (U.S.A.)

Hmmm.. where to begin? First, there are a lot of reasons why I even began posting my "complaint" of which I may or may not divulge (I admit I had to use spell check for that word, doii).
I'll answer Elaine from Boise, first. I am not trying to get out of any debt. Haven't you been reading? It is now 7:19PM, we'll see if I have been typing for hours or not. I don't really want to talk to an attorney about this because there is no need to.

Yes, I am ranting. So, what! I do have a constitutional right to do so. I ask you this, isn't credit based on "can't pay now but will pay later." BTW, collection agencies cannot sue. It is only the original creditor who can.
Like, I told Christian. I got a job but it seems that person thinks it's only in my head. Yeah, Dr. Christian (that is sarcasm with Dr. thing) does not understand that there are different degrees of mental health conditions such as "schizoaffective" or what ever they may call it in 10 or 20 years.

Why I began this whole "debate"? First, is to have some fun and blow off some steam. Also, to attempt to get people who think a little more about people who have a disability and want to make a rewarding life for themselves but because of the "programs" put in place by certain God damned socialistic pigs, it is almost an impossible feet to accomplish. I should have recovered a lot sooner than 15-16 years later.

Yeah, there are some with my condition that think they are James Bond or Napolean, but there are those with a lot less severe cases. Since Christian is so anal about me signing a contract it is that this Christian does not realize that the specifics of my disablity is illegal to be asked about as a factor to signing the contract. If I wasn't mentally capable of engaging in a legal document, that would have been discovered along time ago.

Many people have become too mechanised such as Christian that they forget the Human factor. So basically they see situation "A" means factor "B". Abortionist sees a human embrio as a fish so says it is okay to kill it. But they don't see that the so-called fish in the womb is not a fish but a human being. Tell me what fish has human DNA? Then they put people in jail for killing a stupid dog. Pathetic.
Hmmm. 21 minutes have past.

There are a few collectors out there that understand that some people are in a situation that they can't pay immediately (and yes the way some "brilliant" politicians and bankers have set the system up, it makes a debtor credit bad in which people like Christian equate these people as scum of the earth). In my opinion, Van Rue just happens to be one of these many slimey firms of who have no concept but absolute profit.

For those nitwits (another slang term) who will twist what I am writing (typing to be technical), I have no problem with businesses and people making profits. The problem is when profit is more important than the human factor. Also, don't make me define the term "human factor". Our forefathers who wrote the constitution did not need to define "do process" as that it was already understood. Reading and understanding the "Federalists Papers" should be a prerequisite before a person becomes a lawyer or even a judge.
The reader with any sense would also make note that my "rants" also have a political agenda. Hmmm. That bit took 6 minutes.

So, Christian get a life and let people exercise their rants and 1st amendment rights and complain about illegitimate collection agencies like yours. Legality does not always constitute legitimacy.

Well, my few, or unlikely many, readers: that concludes another rant from the nut case from Citrus Heights, CA.
Hmmm. 2 minutes to 8PM on the same day and time zone. Time to watch something on the tele in my padded room.
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#22 Author of original report

Ranting

AUTHOR: Charles - (U.S.A.)

Hmmm.. where to begin? First, there are a lot of reasons why I even began posting my "complaint" of which I may or may not divulge (I admit I had to use spell check for that word, doii).
I'll answer Elaine from Boise, first. I am not trying to get out of any debt. Haven't you been reading? It is now 7:19PM, we'll see if I have been typing for hours or not. I don't really want to talk to an attorney about this because there is no need to.

Yes, I am ranting. So, what! I do have a constitutional right to do so. I ask you this, isn't credit based on "can't pay now but will pay later." BTW, collection agencies cannot sue. It is only the original creditor who can.
Like, I told Christian. I got a job but it seems that person thinks it's only in my head. Yeah, Dr. Christian (that is sarcasm with Dr. thing) does not understand that there are different degrees of mental health conditions such as "schizoaffective" or what ever they may call it in 10 or 20 years.

Why I began this whole "debate"? First, is to have some fun and blow off some steam. Also, to attempt to get people who think a little more about people who have a disability and want to make a rewarding life for themselves but because of the "programs" put in place by certain God damned socialistic pigs, it is almost an impossible feet to accomplish. I should have recovered a lot sooner than 15-16 years later.

Yeah, there are some with my condition that think they are James Bond or Napolean, but there are those with a lot less severe cases. Since Christian is so anal about me signing a contract it is that this Christian does not realize that the specifics of my disablity is illegal to be asked about as a factor to signing the contract. If I wasn't mentally capable of engaging in a legal document, that would have been discovered along time ago.

Many people have become too mechanised such as Christian that they forget the Human factor. So basically they see situation "A" means factor "B". Abortionist sees a human embrio as a fish so says it is okay to kill it. But they don't see that the so-called fish in the womb is not a fish but a human being. Tell me what fish has human DNA? Then they put people in jail for killing a stupid dog. Pathetic.
Hmmm. 21 minutes have past.

There are a few collectors out there that understand that some people are in a situation that they can't pay immediately (and yes the way some "brilliant" politicians and bankers have set the system up, it makes a debtor credit bad in which people like Christian equate these people as scum of the earth). In my opinion, Van Rue just happens to be one of these many slimey firms of who have no concept but absolute profit.

For those nitwits (another slang term) who will twist what I am writing (typing to be technical), I have no problem with businesses and people making profits. The problem is when profit is more important than the human factor. Also, don't make me define the term "human factor". Our forefathers who wrote the constitution did not need to define "do process" as that it was already understood. Reading and understanding the "Federalists Papers" should be a prerequisite before a person becomes a lawyer or even a judge.
The reader with any sense would also make note that my "rants" also have a political agenda. Hmmm. That bit took 6 minutes.

So, Christian get a life and let people exercise their rants and 1st amendment rights and complain about illegitimate collection agencies like yours. Legality does not always constitute legitimacy.

Well, my few, or unlikely many, readers: that concludes another rant from the nut case from Citrus Heights, CA.
Hmmm. 2 minutes to 8PM on the same day and time zone. Time to watch something on the tele in my padded room.
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#23 Consumer Suggestion

With all the writing back and forth,

AUTHOR: Elaine - (U.S.A.)

I think, Charles, that you have plenty of time on your hands and could easily find a job at a phone bank type place. Take orders for stuff on television, that type of thing. You're typing for hours online anyway!

And yes, you are wrong. You cannot get out of paying a debt by saying "I can't pay now, I'll pay later.". Well, you can, but you will be harassed by collectors.

Get ahold of legal aid if you truly don't want to or can't work. See if they can help you get out of the bind in a legal fashion. I don't think they can, but I'm not an attorney.

BTW, if the collection agency sues for collection, I would think that your rants here could be used against you as an attempt to avoid paying the debt.
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#24 Consumer Suggestion

With all the writing back and forth,

AUTHOR: Elaine - (U.S.A.)

I think, Charles, that you have plenty of time on your hands and could easily find a job at a phone bank type place. Take orders for stuff on television, that type of thing. You're typing for hours online anyway!

And yes, you are wrong. You cannot get out of paying a debt by saying "I can't pay now, I'll pay later.". Well, you can, but you will be harassed by collectors.

Get ahold of legal aid if you truly don't want to or can't work. See if they can help you get out of the bind in a legal fashion. I don't think they can, but I'm not an attorney.

BTW, if the collection agency sues for collection, I would think that your rants here could be used against you as an attempt to avoid paying the debt.
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#25 Consumer Suggestion

With all the writing back and forth,

AUTHOR: Elaine - (U.S.A.)

I think, Charles, that you have plenty of time on your hands and could easily find a job at a phone bank type place. Take orders for stuff on television, that type of thing. You're typing for hours online anyway!

And yes, you are wrong. You cannot get out of paying a debt by saying "I can't pay now, I'll pay later.". Well, you can, but you will be harassed by collectors.

Get ahold of legal aid if you truly don't want to or can't work. See if they can help you get out of the bind in a legal fashion. I don't think they can, but I'm not an attorney.

BTW, if the collection agency sues for collection, I would think that your rants here could be used against you as an attempt to avoid paying the debt.
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#26 Consumer Suggestion

With all the writing back and forth,

AUTHOR: Elaine - (U.S.A.)

I think, Charles, that you have plenty of time on your hands and could easily find a job at a phone bank type place. Take orders for stuff on television, that type of thing. You're typing for hours online anyway!

And yes, you are wrong. You cannot get out of paying a debt by saying "I can't pay now, I'll pay later.". Well, you can, but you will be harassed by collectors.

Get ahold of legal aid if you truly don't want to or can't work. See if they can help you get out of the bind in a legal fashion. I don't think they can, but I'm not an attorney.

BTW, if the collection agency sues for collection, I would think that your rants here could be used against you as an attempt to avoid paying the debt.
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#27 UPDATE EX-employee responds

Beating a dead (beat) horse

AUTHOR: Christian - (U.S.A.)

Charles,

Your latest reply mentions that you are schizoaffective.

I decided to look up the symptoms of your disability so I can get a glimpse of what drives your curious responses.

Here are the symptoms of your disability:

People with schizoaffective disorder can have a wide variety of different symptoms, including problems with their contact with reality (hallucinations and delusions), mood (such as marked depression), low motivation, inability to experience pleasure, and poor attention. The serious nature of the symptoms of schizoaffective disorder sometimes requires patients to be hospitalized at times for treatment. The experience of schizoaffective disorder can be described as similar to "dreaming when you are wide awake"; that is, it can be hard for the person with the disorder to distinguish between reality and fantasy.

While the symptoms seem to explain your inability to grasp the facts, they also explain why you were able to secure the loan in the first place.

By concealing the seriousness of the symptoms of your illness prior to signing for the loan and then using them as your excuse for not being able to repay the loan, you reveal that you are not a victim of some collection agency that recoups millions in defaulted Federal funds. In fact, the government and the taxpayers of this country have become financial victims of your disease as well as your honest concerning it.

In true liberal fashion you now claim that anyone who asks that you become responsible for your debt is, in your determination, forcing you to starve to death and end up in the hospital at additional taxpayer expense.

You said: So if I got a job as a "burger" flipper, I would end up losing my taxpayer paid medical benefits and end up with even more medical bills that I can pay(sic) in which more creeps like you would end up calling me thinking themselves God's gift to find the "dead beat". Can you understand the impracticality of this?

What I'm understanding is that it was easier for you to collect your $500.00 a month from the tax payers (along with some side job money you got under the table... and didn't report as income) than to get a real job. You feel that the already overburdened tax payers of California needed to continue to support you with handouts you'll never have to pay back. Any agency contracting by the government to attempt to make you responsible for your debt (due to your negligence is securing transportation) is evil and their employees are heartless individuals trying to make a buck off your misfortune. Apparently the symptoms of your disease make you incapable of grasping the lack of logic in your comment.


If you are one eighth as good as you say you are with your computer skills, you could easily pay off a $400.00 loan with your side jobs. I've earned more than that with the computer skills I obtained simply from owning a computer... and not at taxpayer expense.

The reality of your situation seems to be that you can't secure a job because you use the symptoms of your illness selectively to obtain the most amount of money with the least amount of responsibility.

The description of your illness indicates that you used a pre-existing medical condition as an excuse to keep from paying a Pell Grant you got and defaulted on by failing to reveal your illness in detail.


The problem once again is not the government, Van Ru, it's employees or any of the agencies and employees the government contracts with to collect on defaulted student loans from former students who claim not to be able to repay.
The problem lies with Americans who add nothing to the tax base while complaining that they can't get enough of a handout from the labor of other.


For your information Charles, there is a mechanism in place for putting your loan in forbearance. Had you used ten minutes of your free time to look into those rules prior to your loan going to collections you wouldn't look as foolish today complaining that such a plan doesn't exist. Reality in this case, reveals the fantasy that created by "your illness" to form a baseless complaint and escape your own responsibility.

For the record, you're not a foreign government, nor were you when you signed for the Pell Grant which included the stipulation that you owe the funds once you choose to drop out of class.

Comparing your student loan to a loan to a foreign nation may seem logical to you, but then defrauding the government while complaining about the taxes working people pay to help support your fraud seems logical to you.

With an illness indicates that offers difficulty distinguishing between reality and fantasy, I would strongly urge you to seek office in California.
You would get elected with 85% of the vote.
Your actions are liberal while your understanding of them seems affected by your "schizoaffective disorder".

May I assume that you have money for Internet access at home while not having $50.00 to pay on a bill, the age of which you still refuse to reveal?
It's difficult to get you to reveal facts which would offer insight into how long you've perpetrated your fraud on the Department of Education

The real rip-off in your situation is you Charles.
Odd that your affliction allows you to perceive fault in everybody's actions but your own.


Sincerely,
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#28 UPDATE EX-employee responds

Reality vs. fantasy

AUTHOR: Christian - (U.S.A.)

Charles,

Your latest reply mentions that you are schizoaffective.
I decided to look up the symptoms of your disability so I can get a glimpse of what drives your curious responses.

Here are the symptoms of your disability:

People with schizoaffective disorder can have a wide variety of different symptoms, including problems with their contact with reality (hallucinations and delusions), mood (such as marked depression), low motivation, inability to experience pleasure, and poor attention. The serious nature of the symptoms of schizoaffective disorder sometimes requires patients to be hospitalized at times for treatment. The experience of schizoaffective disorder can be described as similar to "dreaming when you are wide awake"; that is, it can be hard for the person with the disorder to distinguish between reality and fantasy.

While the symptoms seem to indicate your inability to grasp the facts, they also explain why you were able to secure the loan in the first place.
By concealing the symptoms of your illness prior to signing for the loan and using them as your excuse for not being able to repay the loan, you reveal that you are not a victim of some collection agency that helps to recoup millions in defaulted Federal funds. In fact, the government and the taxpayers have become financial victims of your disease.

In true liberal fashion you now claim that anyone who asks you to become responsible for your debt is forcing you to starve to death... or end up in the hospital at taxpayer expense.

You said: So if I got a job as a "burger" flipper, I would end up losing my taxpayer paid medical benefits and end up with even more medical bills that I can pay(sic) in which more creeps like you would end up calling me thinking themselves God's gift to find the "dead beat". Can you understand the impracticality of this?

What I'm understanding is that it was easier for you to collect your $500.00 a month from the tax payers (along with some side job money you got under the table... and didn't report as income) than to get a real job. You feel that the already overburdened tax payers of California needed to continue to support you with handouts you'll never have to pay back.
Any agency attempting to get you to repay on your promise (due to your negligence is securing transportation) is somehow evil and their employees are heartless individuals trying to make a buck off your misfortune.

If you are half as good as you say you are with computers, you could easily pay off a $400.00 loan with side jobs.
The reality of your situation seems to be that you can't secure a job because you use your illness selectively to get what you want.
The description of your illness seems to indicate that you are not responsible for your behavior and you are using a pre-existing medical condition as an excuse to keep from paying a loan you got without revealing your situation in full.

The problem once again is not the government, Van Ru, it's employees or any of the agencies and employees the government contracts with to collect on defaulted student loans from former students who claim not to be able to repay.
The problem lies with Americans who add nothing to the tax base while complaining that they can't get enough of a handout.

For your information Charles, there is a mechanism in place for putting your loan in forbearance. Had you used 10 minutes of your free time to look into those rules prior to your loan (Once again quitting school on a Pell Grant turns that grant into a loan) going to collections you wouldn't look as foolish today complaining that such a plan doesn't exist.

For the record, you're not a foreign government, nor where you when you signed for the Pell Grant which included the stipulation that you owe the funds once you choose to drop out of class.

Comparing your student loan to that of a loan to a foreign nation may seem logical to you, but then defrauding the government while complaining about the taxes real working people pay to help support your fraud seems logical to you.

Since your illness indicates that you have trouble distinguishing between reality and fantasy I would strongly urge you to seek office in California.
You could get elected with 85% of the vote.
Your actions are liberal while your understanding of them seems affected by your "schizoaffective disorder".

Since Van Ru's collection staff gets through to you when they call, I'll have to assume that you have money for Internet access at home while not having $50.00 to pay on a bill, the age of which you still refuse to reveal.
I guess some bills are more important to you than others in your "condition".

The real rip-off in your situation is you Charles.

Sincerely,
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#29 Author of original report

A Real Job

AUTHOR: Charles - (U.S.A.)

Fine, make yourself feel better by calling your collections, a.k.a. extortion, job, "a real job."
At least I found a job that is actually productive and not leaching off people that happen to have had a stroke of "bad luck."
You still don't get it. I did not default on my student loan. My student loan is just fine. It is PELL GRANT. NOT A LOAN. I DID NOT BORROW IT BUT SINCE I COULD NOT USE IT, I HAVE TO PAY IT BACK. But I cannot pay it NOW. $500 per month can only go so far.

A moron is also slang for "stupid person." So, you don't seem to be too street smart.

As far as calling me irresponsible it is in reference to Van Rue in general and their agents specifying "it is your resposibility" infurring that I am irresponsible if I don't pay NOW. But when someone can't pay it now but needs TIME, you record it as "A REFUSAL TO PAY."

Let's say someone sues you for a million dollars and you lose. Do you have a million dollars to pay? But now it is your responssibility to pay. You get calls from a collection agency that demands payment, NOW! Okay, you can't pay it, now? Does that make you irresponsible? In fact they won't take anything less than $50,000 per month. How do you deal with it. You'll probably declare bankruptcy. That where we would definitely differ.

I could of declared bankruptcy along time ago but hey, I actually have character and have been working to pay my debts but it takes time. A lot of time due to my situation. You have no concept of the possiblity of what some people in this world may face.

Since you are so keen on psychology, do you understand what Schizo-affective is? Because that is what I was diagnosed with well over a decade ago. You go through life with that or maybe cancer or some other debilatating condition? And find out it means not to pay your bills and get calls from people like you (who have judged you as a "dead beat" or worse) thinking that they have a "real" job. But the slime bags who own the collection agencies probably give people like you a so called disability "benefits" so you think yourself covered and still better than the other.
So if I got a job as a "burger" flipper, I would end up losing my taxpayer paid medical benefits and end up with even more medical bills that I can pay in which more creeps like you would end up calling me thinking themselves God's gift to find the "dead beat". Can you understand the impracticality of this?

How am I blaming anyone? I am doing my best to make a better life than offered by the foolish socialism. I don't want any more money from the taxpayers. And yes I do agree with you that it is the taxpayers who pay this. I don't agree with the d**n liberal jack a**es politicians who put such a inhuman, ilgotten, program such as socialism in to place. There are far better ways of dealing with these issues as I had previously stated. Because there are no other "programs" in place due to the fact that taxpayers are wrongfully overburdened with taxes, I had to use what was available. So I have to exist on $500 per month with an occasional extra income through computer consulting.

But if being a bully makes you feel good about your pathetic life and that you probably could not get a job anywhere else, well more power to you! So all in all, it comes down to what you can leach out of people to put into your pocket book in which you can pay your bills and make you feel better than the others because they can't pay theirs.

You really think you know all about me. Yes, I attended 2 vocational programs. But you foolishly assume that they were different fields (i.e. culinary versus paralegal). In fact the relative field for both programs was that in computers. I wanted to improve my computer skills and I did. Then I decided to later go to DeVry to get my BS in a more specific computer related field. The biggest reason I did this is because too many bone heads think it necessary to have a degree in order to work in the computer field, especially in California.

But I guess you got the world figured out and that you are better than people like me in these situations. And all you care about is yourself and getting those nasty people who ended up with a bill that they can't immediately pay.
In my opinion, I can choose to pay the $400 ---->NOW<------, you get your $4+ bonus or whatever, and I starve for a month. Hmmm, what do you think I am going to choose?

So, what is more responsible paying a bill that can wait and that I cannot afford yet, especially when the Dept of Ed. already has billions of dollars at their disposal, or choose to spend the money so that I can eat and keep relatively healthy (and pay my current student loan) so that I don't become even more sick and end up in the hospital and cause taxpayers more money? Tell me this, what kind of government loans billions and billions to foreign governments and never get paid back in which we write off. And yet, this government harrasses its citizen, people like me, by using little people like you for a measly $400.

So, I say to everyone pay your bills but there needs to be a mechanism to defer payment, not bankruptcy, when situations cause the inability to pay bills. I don't think blood sucking collection agencies would like that though.
My guess about you Christian, is that your freakin' liberal that has no sense about reality. Too bad that "Christian" is just your name, you might have a grasp on that bad things happen to people beyond their control. You and your colleagues have no concept on how to think out of the box but to only think the way you were programmed.

So I look forward for your next rebuttal. Of which this will probably go on forever and you'll never get the concept that because when someone gets an extra bill and cannot pay NOW does not mean they are: REFUSING TO PAY, are "dead beats", or irresponsible.
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#30 UPDATE EX-employee responds

Fraud and default

AUTHOR: Christian - (U.S.A.)

Charles,

Unlike you, I work. It allows me to pay my financial responsibilities, sorry it took me so long to find your complaint, I can now illustrate how you are the one ripping off the government (tax payers)

I noticed that your reply didn't mention how old the debt was. I believe it would have taken at least one year of non-payment for the government to send it to collections.

You say that you are disabled and getting disability.. yet you say a job flipping burgers didn't seem practical.
If you were able to secure a job flipping burgers, why wouldn't you have taken it?
Minimum wage in California is $6.75. Even with a 20 hour work week to allow for your disability you'd be earning more than what you were given by disability form the government (taxpayers)
Since you claim to have a conscience which keeps you from earning a living as a collector, how is it that a job flipping burgers was unpractical and unrealistic?
Was it more practical and realistic for you to claim a disability and receive government (tax payer) funds than actually work?
I'm confused.

To answer your question, if you were able to work yet flipping hamburgers seemed unpractical and unrealistic, I'd have to say that you apparently did enjoy collecting a $500.00 disability check from the government (tax payers)

I didn't use the words dead beat, you did.
You also defined a dead beat as someone who is able to pay their bills but doesn't.
In one sentence you claimed an inability to pay your bill and in another, claimed that the only job available to you seemed impractical and unrealistic.

Since you like to define situations, what would you call an individual who collects a disability check of $500.00 monthly from the government (taxpayers) claiming they can't work while admitting a particular job that they could work seems unpractical?
Apparently using what was available to you (Tax payer funds) seemed better than getting a real job in a position you didn't want.

FDR created jobs for people to work in a time when jobs were scarce. Some of them involved back breaking labor.
You seem to have rejected labor in a time when unemployment is at an all time low because the available jobs didn't fit your skills.
Apparently you decided that it was easier to grumble about the meager handout you got from the government (tax payers) than to take a position actually working.
Disability was designed for people who can't work, not for people who can't find a job that fits their self esteem.

You say you had completed two trade schools prior to getting the Pell grant.
Am I to assume you couldn't find work in two other vocations that you had personally selected and trained for?
How much research did you do on the profession prior to training for it?
You also say that only fools believe that they can plan for every contingency.
It doesn't take much planning to determine if a field you've decided to train for has employment opportunities available.
The fact that you chose and trained for two trades that you couldn't find work in reveals more about you than you might think.

You also said:
Yes, I live in the "sunny" communist land of California and I have to live on $500 per month. So where the hell, do you expect me to come up with the money to pay that Pell Grant, NOW? Keyword moron, "NOW".

Unless you're being held in a prison in California, you have the constitutional right to leave it whenever you like.
You've already explained that you were able to work but took the disability check rather than work at a job that seemed unpractical.
That would be considered fraud.
You've also explained that you trained in two different fields, neither of which offer any employment opportunities.
You've also said that only a fool plans for every contingency, yet it didn't occur to you to check the transportation schedules for the class for which you chose to request a Pell Grant, on the outside chance that the car you were borrowing might be unavailable at some later date.

You mention the word moron.
Let's find the definition:
Psychology. A person of mild mental retardation having a mental age of from 7 to 12 years and generally having communication and social skills enabling some degree of academic or vocational education. The term belongs to a classification system no longer in use and is now considered offensive.

I'll go slowly for you.
I have a job, as do all of the collectors who call you demanding the money you owe for defaulting on your student loan.
You don't have a job, despite completing two trade schools.
You've also admitted that you've rejected work that was too impractical for you AND that you've accepted a government check for a disability though you were capable of working all along.

You also seemed upset that I seemed to infer that you were irresponsible. Let's have a look at that definition for you.


1. Lacking a sense of responsibility; unreliable or untrustworthy.
2. One who is mentally or financially unfit to assume responsibility for one's actions.
3. One who is unlikely to be called to account by a higher authority.

Do you have an alternate definition that doesn't describe you perfectly?

Once you drop out of school a Pell Grant becomes a loan. If you didn't grasp that concept prior to signing for it... somehow I'm not that surprised.

You ended by claiming to be poor. You're not.
Like many of America's "poor" you have chosen to blame everyone but yourself for the consequence of the decisions you've made.
You don't feel responsible enough for your debts to find work to pay them, so you've chosen to attack those people who attempt to appeal to you to become responsible.

I don't hold out much hope for you finding or holding a job for very long.
Your history seems to indicate a lack of responsibility needed to hold a job... even one flipping burgers.
As long as you can fall back on your "disability" excuse and get a $500.00 handout from the tax payers of this country, you have no real reason to earn it.

You're a typical borrower; in default and denial.
You've convinced yourself that you're too intelligent to work menial jobs yet mentally you're too immature to secure and hold a real job.
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#31 Author of original report

What took you so long with your rebuttal, Christian

AUTHOR: Charles - (U.S.A.)

First, Christian what took you so long with your rebuttal? I was expecting it a lot sooner. You're the one that inspired me to write the complaint in the first place.

Christian, I am not trying to get out from paying back the Pell Grant. My complaint is that idiots like you at the collection agencies have no clue that there are a few people who don't have any money to pay their obligation, NOW. A "dead beat" is a person who does have money but refuses to pay their bills or someone knowingly can't pay their bills and has no intention of paying in which commits fraud. Because someone can't pay their bill NOW due to financial difficulties does not make that person a "dead beat."

Do you think I like being on disability? Personally, I despise the whole socialistic view and wish that FDR's hell fire gets hotter everyday. There are better ways of dealing with these issues than foolish socialism. But hey, I had to use what is available which sucks.

Guess what? I already attended and completed 2 vocational schools. When I started school for a third time, I had a friend who let me use his vehicle. But alas, he had to move away so there goes the d**n transportation. We had no idea in the beginning that he had to move away a few months later. Only fools believe that they can plan for every contingency.

But then again a Pell Grant is not a loan. It is a grant but if I can't use it, the catch-22 is I have to pay it back. So stop referring to it as a loan.

Next, as I said, I do have to pay it back. But get a clue, some people in this country can't pay it when jerks like you call demanding immediate payment. Some things takes longer than 30, 60, 90, 120, etc. days.

Yes, I live in the "sunny" communist land of California and I have to live on $500 per month. So where the hell, do you expect me to come up with the money to pay that Pell Grant, NOW? Keyword moron, "NOW".

Well, in the meantime lame brain greedy collection agencies who only care about too much profit at the expense of the poor (no d**n Democrat gives a hoot about the really poor, they just want to control people lives), I did finally after a very long, long, long, long time get a job. Getting a job flipping burgers was for my situation unpractical and unrealistic. So soon I will be contacting you assholes at Van Rue to pay my responsibility.

Also, how dare you people allege that I am irresponsible! In all do reality, you are irresponsible for oppressing the poor for your greed! No, I did not get a job in a collection agency because I have a heart and a conscience.
In opinion, you probably still don't have a clue about what I am writing about in this complaint. Your greedy employers have brain washed you too much!
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#32 UPDATE EX-employee responds

Pell Grant repayment

AUTHOR: Christian - (U.S.A.)

Charles,
You say that you know you have a Pell Grant that you have to pay back.
You understand the you borrowed the money from the government (taxpayers) in order to better your life.
So far you have shown logic... however, you don't feel responsible for repaying the debt now because you failed to check the transportation schedules in your area prior to asking the government (taxpayers) to pay for your education.

In your view, the debt should be postponed (absorbed by the taxpayers) because the only funds you have are $500.00 monthly which are provided by the government (taxpayers.)

In your view, being required to pay back the money you promised to pay when your signed your name to the Pell grant is harassment.

You didn't mention if you were disabled prior to the debt or since the debt.
If your disability was prior to the debt, it was a pre-existing condition.
If your disability occurred after you incurred the debt, what payments did you make prior to the disability?

You've stated that you aren't refusing to pay, only that you can't pay "now".
The obvious next question would be; how can you support yourself, living in sunny California, on the $500.00 a month you "earn" through the taxes of those people who are employed?

Unemployment is at all all time low in the country. If you can travel to a library to put together and post a rebuttal of your debt on the Internet (I'm assuming you can't afford Internet access in your home due to the meager handout you "earn" from the government (taxpayers)
Why not use your powerful persuasive skills with your family, friends or members of your church to attempt to come up with something to send to show your desire to live up to your responsibilities?

As for your final point, the taxes you would pay on any entry level job you might be able to secure with your disability would probably be returned to you.
People who earn big money by applying their God given skills, pay a bigger portion back to the government.
$6000.00 of those taxes are passed back to you each year. An additional $400.00 was given for your Pell Grant no questions asked.

Blaming the public transportation system reveals your inability to take responsibility for your own actions.

You signed for the loan.
You made a commitment to go to school.
You failed to check the pubic transportation schedule for the classes.
You owe on a debt
You have a responsibility to pay it.

Yes Charles, it's all about you.

Instead of posting your complaints, why not spend some time raising cash to pay back your loan. That way some of the higher (Please note the spelling of the word higher) taxes of the the American working class won't have to go to supporting you.

If you could simply redirect your logic into understanding why you owe rather than trying to determine why you shouldn't have to pay, you could secure a collections job talking to people who thought like you before you decided to take responsibility for yourself.

If you take my advise, check the public transportation schedule prior to taking the position.

Christian
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#33 Consumer Suggestion

Pell Grant

AUTHOR: Erick - (U.S.A.)

As far as I know...Pell Grant's you don't have to pay back. Its the Perkins and Stafford Loans you have to pay back to the Department of Education.
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#34 Consumer Suggestion

Pell Grant

AUTHOR: Erick - (U.S.A.)

As far as I know...Pell Grant's you don't have to pay back. Its the Perkins and Stafford Loans you have to pay back to the Department of Education.
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#35 Consumer Suggestion

Pell Grant

AUTHOR: Erick - (U.S.A.)

As far as I know...Pell Grant's you don't have to pay back. Its the Perkins and Stafford Loans you have to pay back to the Department of Education.
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