Pioneer Credit Recovery, companies like Pioneer work on what is called a fee, so they can threaten that they are with the government, They Are Not! They are a collection agency RipOff Arcade New York

This goes out to the troll for Pioneer.

First of all don't try to attack this young man that got his education from the Airforce buddy and Pioneer is a dead buyer and they were fired from ED for violating the FDCPA and many more in 2015.First of all don't try to attack this young man that got his education from the Airforce buddy and Pioneer is a dead buyer and they were fired from ED for violating the FDCPA and many more in 2015.First of all don't try to attack this young man that got his education from the Airforce buddy and Pioneer is a dead buyer and they were fired from ED for violating the FDCPA and many more in 2015.First of all don't try to attack this young man that got his education from the Airforce buddy and Pioneer is a dead buyer and they were fired from ED for violating the FDCPA and many more in 2015.First of all don't try to attack this young man that got his education from the Airforce buddy and Pioneer is a dead buyer and they were fired from ED for violating the FDCPA and many more in 2015.

I bet you're not telling him to pay his bill now that ya'lls butts got fired from Department of Education along with the other three rouge companies and when you tried to sue the Departement of Education, the Judge still ruled in favor of ED because even the judge knows how crooked you all are. 

Anyone can see for themselves at:

http://www.huffingtonpost.com/2015/02/27/education-department-debt-collection_n_6773286.html   Education Department Terminates Contracts with Debt Collectors Accused of Wrongdoing Updated Feb 27, 2015 

Just to clear the air Pioneer Credit contractors for the US Department of Education
Just pay your bill the government gave money for year education.
On that contract did it state that it was for FREE?
Pay Your BILL....

Tom,

I never had a student loan in my life. Therefore, I never defaulted on a student loan.

I got all of my education compliments of the USAF and CCAF, and a few technical schools.

Where did you get the idea that I defaulted on a student loan? Please explain.

Tom,

I never had a student loan in my life. I don't know where you got your information.

It's nice to have your facts together before slamming someone.

I was simply helping out another contributor who needed help in dealing with your kind.

HA HA I have a loan from ED and people from PCR call and call They think they can scare me into paying my debt RIGHT NOW or they will garnish.

Well guess what I called them out and said help yourself. Guess what they backed down.

Oh I understand that they or you if you work there can be rude, Well I can dish it out REAL BADD. I told them go on garnish,What does it matter to me the load will payed so back off.

They told me that it will show on my credit report, I said SO. Here is a little news for those that may read this: After the loan is paid either by garnishment or other you can ask the Dept Of Ed to take it off of your report and they will.

Do believe me? Go to the Dept OF Ed web site and read all about it.

After all was said and done they were kiss a#$ helpfull no I can settle for less than I owe.

So as I like to say not everyone in Texas is a redneck, So take that home with ya.

Bill
Carrollton Texas.

Steve:

I understand that you 'beat the system' on a student loan somehow. I am reading your point of view and in several cases you have some merit.

-Stat barred and reaged debt.
-multi selling of settled debt to recover the remainder that was SUPPOSED to be settled.
-medical debt that was supposed to be covered.
-phantom debt, made up to gouge free money off folks if they just pay the d**n thing to get the agency off their back.
-old charge off debt that is better letting sit until it comes off the bureau -instead of paying it and re-setting the 7 year clock .

those are just a few.

However Steve.

Do you know that you are also announcing that you have no problem in the slightest getting a student loan and RENEGING on the promise to pay it back. You dont seem to give a rats a**. In fact, you find some exuse how they 'jacked you around' so that you dont have to pay $1000s of dollars.

Thats just great. Woo h*o. That makes it so much easier for kids to go get a student loan now doesnt it?

Kids need an education. According to you, they should NOT PAY any of it back, until they feel in their minds they were 'JACKED AROUND' as an exuse not to pay it ever.

Just great. If enough people think in this ULTRA self centered way , THERE WONT BE ANY MORE STUDENT LOANS , now will there?

I know steve, YOU just want to get away with it. Everyone ELSE should have to pay their student loan back.

'..if they didnt 'jack me around' i wudda paid em back blah blah blah blah........

Im crackin up....

So, who ripped off who here steve?

The goverment or agency should write up a ripoff report on YOU steve, how you RENEGED ON YOUR STUDENT LOAN.

Mahdi,
Your letter seems to indicate that you are trying to avoid paying your debt.

When you consolidated your debt you allowed the consolidation company to consolidate your interest as well. At that point you began paying interest on the interest you had on the original debt.

Failing to pay your debt in a timely fashion was your first mistake, failing to read the fine print on your consolidation agreement was your second.

You seem to think that when a student loan goes to a collection agency, the agency is collecting the funds. They aren't. The government doesn't sell Federal debts, they employ 3rd party agencies to collect for them. when you are being garnished, the Federal government is garnishing you.

What is missing from your logic is the fact that you gave your word to pay a debt and then ran from it. Blaming others for your error seems more important to you then attempting to correct the problem. Not understanding the details of your consolidation loan indicates your education didn't "stick"

Refusing to take responsibility for oneself is not a quality an educated person would brag about.
Attempting to get an education for free with taxpayer money is known as stealing.

There is no debtor prison in our great country. The Federal government continues to lend money to people in need despite the fact that there will always be a percentage of people who steal.


Christian

Mahdi,
Your letter seems to indicate that you are trying to avoid paying your debt.

When you consolidated your debt you allowed the consolidation company to consolidate your interest as well. At that point you began paying interest on the interest you had on the original debt.

Failing to pay your debt in a timely fashion was your first mistake, failing to read the fine print on your consolidation agreement was your second.

You seem to think that when a student loan goes to a collection agency, the agency is collecting the funds. They aren't. The government doesn't sell Federal debts, they employ 3rd party agencies to collect for them. when you are being garnished, the Federal government is garnishing you.

What is missing from your logic is the fact that you gave your word to pay a debt and then ran from it. Blaming others for your error seems more important to you then attempting to correct the problem. Not understanding the details of your consolidation loan indicates your education didn't "stick"

Refusing to take responsibility for oneself is not a quality an educated person would brag about.
Attempting to get an education for free with taxpayer money is known as stealing.

There is no debtor prison in our great country. The Federal government continues to lend money to people in need despite the fact that there will always be a percentage of people who steal.


Christian

Mahdi,
Your letter seems to indicate that you are trying to avoid paying your debt.

When you consolidated your debt you allowed the consolidation company to consolidate your interest as well. At that point you began paying interest on the interest you had on the original debt.

Failing to pay your debt in a timely fashion was your first mistake, failing to read the fine print on your consolidation agreement was your second.

You seem to think that when a student loan goes to a collection agency, the agency is collecting the funds. They aren't. The government doesn't sell Federal debts, they employ 3rd party agencies to collect for them. when you are being garnished, the Federal government is garnishing you.

What is missing from your logic is the fact that you gave your word to pay a debt and then ran from it. Blaming others for your error seems more important to you then attempting to correct the problem. Not understanding the details of your consolidation loan indicates your education didn't "stick"

Refusing to take responsibility for oneself is not a quality an educated person would brag about.
Attempting to get an education for free with taxpayer money is known as stealing.

There is no debtor prison in our great country. The Federal government continues to lend money to people in need despite the fact that there will always be a percentage of people who steal.


Christian

I can show anyone how to present living expenses that exceed available income, or come very close.

Realisticly, anyone taking home less than $400 a week has very little, if any disposable income.

Therefore, very little, if any garnishment.

A very simple concept.

"T",

First of all, what does female have to do with anything?

The OP is in FL. You CANNOT get more than 15% of that person's income. Period.

Got that? Federal law DOES NOT always supercede state law.

I have squashed your type on a regular basis. You have no idea how the real world works.

I have beaten attorneys and got lawsuits dismissed before ever even getting into court.

I walked away from $170k almost 5 years ago and have not been successfully sued and not 1 penny has been garnished. I have no judgements on me to this day. The debts are now past SOL, and are uncollectable.

I know every angle of collections and fed law.

I helped 2 different friends with Dept of Ed garnishments. They have not paid 1 dime either.

You are a joke and so is the dept of Ed garnishment.

Steve,
Department of ED is Federal they go above state laws on garnishment. You can be maxed at 25 percent depending on if you are being garnished by more then one bill. If not, then 15 percent is the amount of the disposable income.

Borrowers can file a hardship thru proof of income/debt ratio. Taxes are taken by ED and the IRS.

The Debt Collection Improvement Act of 1996 permits the Department to garnish up to 15% of disposable pay(and they do 15%).

This is how the goverment garnishes wages,
ED(not the agency) starts the garnishment process ITSELF by sending the borrower a Notice of Intent to Garnish (SO2 Letter), which gives the borrower 30 days to file a request for review of objection(s) to the garnishment action and states his rights under the process.

The Debt Collection Improvement Act authorizes federal agencies or collection agencies under contract with them to garnish up to 15% of disposable earnings to repay defaulted debts owed the U.S. Government.

By the way, I am female. Pioneer is on contract with Dept of ED, we are paid by them. All funds that borrowers send go directly to them.

"T",

Once again you have no idea of what you speak of.

Wage garnishment in FL for anything other than a FEDERAL debt or state tax obligation is limited to 10% of your DISPOSABLE income.

Here is an excerpt from the State of FL website:
>>
Tax Offset and Wage Garnishment
If you default on your loan, the U.S. Department of Education has the authority to deduct money from your income. This may happen through tax offset or wage garnishment (or both).

Tax Offset. The Department of Education may offset, or withhold, money from your federal income tax refunds to collect on defaulted federal student loans.

If the offset of your federal tax refund creates a severe hardship for you, it is possible to request a refund. Examples of extreme hardship include very high medical expenses or the threat of eviction from your home. To request a refund, you will need an explanation of why the offset is causing an extreme hardship, a copy of your income tax form and other proof of income, copies of your monthly bills, and, if possible, copies of the bills that represent your case for extreme hardship. Send this information to your guaranty agency.

Wage Garnishment. If you are in default on your student loan, federal regulations and law allow your guaranty agency to garnish up to 10% of your disposable income, or the U.S. Department of Education to garnish up to 15% of your disposable income for repayment of your student loan.
>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>

Its nice to have the facts and benefit of knowledge before opening mouth and inserting foot.

you need to read the garnishment laws in your state. a total on 25% can be garnished of your income after taxes before benifits. dept of ed takes max 15 % need to check the laws. how long have you been collecting?