D.C.S. DIVERSIFIED COLLECTION SERVICES, INC. D.C.S. INC PO BOX 9057 PLEASANTON, CALIFORNIA 94566-9057 DELAYED REFUND FROM STUDENT LOAN DISCHARGE. MILWAUKEE, Wisconsin

                        SABOTAGE OF PERSONAL FINANCES

I HAVE GONE THROUGH SEVERAL TRIALS AND TRIBULATIONS IN MY LIFE.  I WAS FORTUNATE TO RECEIVE AN EDUCATION IN A WORLD WHERE EDUCATION IS KEY TO SURVIVAL.  HOWEVER, I BEGAN RECEIVING DISABILITY COMPENSATION FOR THE BARRIERS THAT PREVENT ME FROM KEEPING EMPLOYMENT.  I TRIED TO WORK OUT A SUITABLE PAY ARRANGEMENT AND WAS UNABLE TO AFFORD BECAUSE OF HIGH COST OF LIVING.  I REQUESTED,COMPLETED, AND RETURNED THE LOAN DISCHARGE APPLICATION.  I INFORMED THE COLLECTION AGENCY THAT I WAS IN DIRE STRAIGHTS AND IN NEED OF MY PAYMENTS THAT WERE MADE AND THE GARNISHED TAXES.  I WAS GIVEN A RUN AROUND AND WAS NOT ABLE TO GET ANY INFORMATION OR EVEN A CALLBACK ON TO WHAT WAS GOING ON WITH MY REFUND.  I BELIEVE THIS IS ONE OF THE MOST UNPROFESSIONAL AND LEAST EMPATHETIC COLLECTION SERVICE THERE IS.  THE DEPISED COLLECTOR AS NOTED IN BIBLICAL TIMES, HAD TO ENDURE GREAT SUFFERING AND HUMILIATION WHEN UNCONCERNED ABOUT THE WELFARE AND LIFE CONDITIONS THAT THE PEOPLE HAD TO LIVE AND THE UNGODLY WAY THEY WERE BEING HANDLED.  EMPATHY SHOULD BE A TERM THAT ALL COLLECTORS ARE FAMILIAR WITH.  IF YOU KNEW NO BOUNDARIES WHEN YOU WERE COLLECTING DEBTS, THEN YOU CAN EXPECT THE SAME OR TWICE THE RECOMPENSE.

WHEN IT COMES TO EDUCATION AND THE COST OF IT, ONE SHOULD NEVER FORGET ABOUT THE FACT THAT ALTHOUGH THERE ARE EXPENSES, THERE MAY NOT BE ENOUGH INCOME.