Windham Professionals Garnished my wages friverously for a loan that has NO Promissory Note Salem New Hampshire

Yes, I agree that Windham Professionals has used deceptive practices to force people into paying debts that possibly aren't valid and owed.  Back in 2008 I was called into the Human Resources office of my job and was told that my wages were going to be garnished in the amount of $900.00/month because a fax was received "authorizing" wage garnishment.  

When I called Windham Professionals to discuss this BS, I specifically requested documents indicating that I signed for such loans.  Additionally, I asked for specific information "What college or university received the loan money?"  "When did I allegedly sign the loan paperwork?"  "May I see the documents I supposedly signed?"  None of my questions or concerns were ever answered.  Now that it was approaching the date of my wages to be garnished, I contacted Windham Professinoals customer service.  At that point I was told because the wage garnishment judgement was "approved" that there was no time for the research which I had requested to be provided to me.  The representative told me, "The only way to avoid the garnishment of $900.00/month is to agree to a consolidation.  Even if you claim identity theft, agree to the consolidation. That way your wage garnishment will be avoided.  You can then work out the details of identity theft and get it situated later."  

In hindsight, agreeing to the consolidation was a very bad decision on my part!  HOWEVER, given that my net income was only $1,800/month (my bring-home pay was $900 every two weeks) had my wages been garnished 50% of my income, I would have been homeless.  There was no way possible I would have been able to pay my rent, medical insurance, daily living expenses such as gas, food, water, electric, etc and my car payment.  Because of the difficult situation I was literally forced into, I took the bogus consolidation option.  It was a lose-lose-situation for me either way.  

It is now 2014...six years later.  Over the past six years, this coercion incident with Windham Professionals has been an extreme inconvenience and nightmare.  The alleged loan is now serviced by Fedloan Servicing and I have explained to them countless times that I never took out a student loan in the amout of $50,000.  All my correspondence to them has been sent certified mail with return receipt.  The only way to now avoid this from being reported to the three credit bureaus is to call and ask for a forbearance every few months.  The problem is that interest keeps adding up.  The $50,000 loan is now estimated at $118,000.  

I called the university from which I graduated in 1999 and asked for my financial records.  Since it has been so long since I have graudated, the university no longer has my financial records.  Fortunately, my mother keeps very good records.  She has box after box marked with years in the basement of her house.  The last time I visited her I went to the basement and searched through boxes marked 1995-1999.  Fortunately, I found cancelled checks, credit card statements, and bank documents indicating that certificates of deposit had been cashed in and paid to the university.  I made tons of photo copies of the front & back of each check.  I put together an 88-page file and cent it certified mail with return receipt to FedLoan Servicing.  My letter explained that I never took out a loan and the fiasco with Windham Professionals.  

Since nobody can show me original loan documents, dates & amounts of payments to the university, I am requesting for the loan to be discharged.  Hmmm...I wonder why FedLoan Servicing and Windham Professionals can't provide any of the information I've requested?  Oh, I know why...It is because the loans are bull$#it!  The loans NEVER existed because I NEVER took student loans to attend college!  Fortunately, my family was able to pay AND I HAVE CANCELLED CHECKS AND OTHER FINANCIAL DOCUMENTATION TO SUBSTANTIATE THIS!  In my opinion, there is obviously corruption in the student loan industry.  They are clearly finding social security numbers and creating bogus loan accounts that never existed and forcing the victim into a situation where they are foced to pay by wage garnishment OR bullying the victim into a situation where they are forced to consolidate.  When the victim consolidates, Windham Professionals gets a huge sum of money and doesn't have a care in the world as to how it will negatively affect the victim.  I am living this nightmare right now.  

I just sent another huge packet of cancelled checks and bank statements verifying that my family and I paid my college tuition WITHOUT loans!  My documents of cancelled checks, financial statements and receipts to the university total 113 pages.  I pray that this gets discharged.  

Anyone experiencing difficulty with Windham Professionals or FedLoan Servicing is welcome to contact me.  I am not afraid to give my name and information.  I have nothing to hide.  My email address is Respectfully.argue.false.loans@gmail.com 

Jennifer Dixon 

P.O.Box 1493

Tarpon Springs, FL 34688

 You never once mentioned if you in fact did have a Student Loan and if you owed money on it?