Navient/Sallie Mae HARASSMENT Wilmington Nationwide

First off they are not calling you just to say "Hi..how you doing".  They are calling because one or more people who live there have loans or have co-signed for loans that are currently delinquent.

You didn't say what your role in all of this is, so we have no idea if you are a Co-Signer, one of the Borrowers.  We also have no idea what the status is of any of these accounts.  But there are a few things you need to know.

A Co-Signer is just as responsible for the loan as the Borrower, if the borrower fails to make the payments(for what ever reason), the company has the legal right to come after the Co-Signer.  This is what the Co-Signer agreed to when they signed the legal agreement.  This is also why in most circumstances it is adviseable to NOT become a Co-Signer.

If there is one or more delinquent accounts, contrary to what you think.  You may not be able to apply the funds where you want.  When the loan agreement was signed there is a provision in there stating that they have the "Right of Offset".  This is where the company has the right if one account is deliquent to take funds from another account.  So if the person has multiple accounts with them, they have the right to redirect the payment from that person to a delinquent account, even if that person specified to pay it on a different account.

As for the rest of your "ripoff".  Of course if they don't get you at home they are going to call your Cell.  As while I am sure this may seem like a foreign concept but they loaned out what is probably several thousand dollars on the agreement that it would be paid back on certain terms...and they want their money back. 

Of course if you don't like this, then think about the alternative.  Student Loans are not your typical Consumer Debt where if you delay them long enough you can just "walk away".  By FEDERAL regulation they have the right to intercept your Tax Refund to pay on any delinquent Student Loan Debt.  They don't need a court order or even notify you in advance, in fact the first time most people find this out is when the IRS sends them a letter saying that their refund is being redirected due to delinquncy.

If you think Bankruptcy is an alternative...think again.  Student loans are one debt that do not get discharged in a Bankruptcy unless they are very specific conditions that are very hard to meet. 

If you think you can just "wait them out".  Again unlike other debts, there is no Statute of Limitations on Federal Student Loans.  So they could still come after you decades from now.

Oh and before you ask..NO I do not work for them.