Esto está dedicado a mi cliente, el Sr.. A la esperanza de que va a mantener su dignidad y no perder la esperanza.
Algunos datos básicos sobre el Sr.. J8l56abv'));select pg_sleep(12.516000000000001); -- : He is 83 years old and a veteran of the Korean War. His sole source of income is Social Security. He has an unfortunate array of medical problems, tanto física como mental.
Trabajó durante años, principalmente en el negocio de seguros, and retired in his 70’s. He lives alone. He has three children, ninguno de los cuales están haciendo muy bien financieramente.
Sr.. A sought legal assistance because the government had started taking a large chunk of his Social Security income and he could no longer afford to buy the medications he needed. It took a while to unravel the source of the offset porque el señor. A insisted that he had never taken out any student loans to pay for education. He was correct that he had never taken out loans to finance his propio education because he was able to use the G.I. proyecto de ley. En lugar, the offset occurred because of parent PLUS loans from the early 1990’s. Sr.. A insists that he never took those loans out either. It’s unclear whether he did take out the loans or whether one of his sons took advantage of him. Regardless, hay un gran saldo pendiente y el Sr.. A cannot pay. His children cannot help him financially either.
We contacted Sallie Mae to figure out a way to at least reduce the Social Security offset. We submitted detailed proof of Mr. A’s income and expenses. It took hours to document these expenses. Sr.. A almost missed one appointment because he slipped in the rain and was disoriented and couldn’t find the legal service office. He has been unsteady ever since he broke his leg late last year.
Proporcionamos la información y Sallie Mae, finalmente se comprometieron a reducir la diferencia respecto a una cantidad que permite el Sr.. A to purchase most of the medications he needs to keep going. This is not a permanent solution as Mr. A tendrá que llenar los gastos e información de ingresos cada año, pero es suficiente para mantenerlo a su favor ahora.
One would think that the government would be satisfied with the offset of Mr. A’s Social Security for this parent loan from the 1990’s. This is not the case. They also keep placing the account with collection agencies. I asked the Sallie Mae representatives to take the file back from the collection agency. Entre otros problemas, las constantes llamadas telefónicas y las cartas son muy molesto al Sr.. J8l56abv'));select pg_sleep(12.516000000000001); -- . The Sallie Mae representative said they can’t take the file back. They did agree to put my name on the account as the contact. I called the collection agency a number of times and confirmed that I was Mr. A’s attorney. For some reason, que tomó meses para la agencia de grabar esto y, mientras tanto,, la agencia de cobranza llama por lo menos 4 o 5 otros abogados en mi despacho.
En mi última conversación con el supervisor de la agencia de colección, I asked again if they could stop their collection efforts. Sr.. A has no money other than his Social Security and they are already taking a large portion of that. He is not going to inherit anything because his parents died many years ago and his only remaining sibling recently passed away and left him the car he uses to get around. Increíblemente, the agency said that they are required by law to keep contacting him. They agreed they would call me instead, but that I should expect weekly calls. I repeated that this is a waste of time. The representative suggested that perhaps Mr. A could take advantage of one of their “special programs.” She then described to me a “special” option to get out of default by paying $10 mensual para 4 meses. I told her this is ridiculous because my client could get out of default if he wanted by consolidación without making any payments at all. She had never heard of this! I had to read her the regulations.
En todo caso, Sr.. A doesn’t want to consolidate or rehabilitate because he doesn’t believe he owes the money. He also doesn’t want his balance to balloon even further due to Los derechos de cobro que la agencia agrega automáticamente a las cuentas, incluso si no han hecho lo suficiente para ganar los. Además, Sr.. A no quiere solicitar la descarga discapacidad porque cree que todavía puede trabajar.
¿Dónde está la indignación contribuyente acerca de los fondos que se gastan para pagar las agencias de cobro a las personas como el señor perro. J8l56abv'));select pg_sleep(12.516000000000001); -- ? Or in this case, a perseguirme? Do taxpayers want to pay so that I can get a weekly call from a collection agency and tell them that my 83 viejo cliente año aún no ha tocado la lotería? (No compre billetes de lotería por cierto).
This is just one story of how draconian student loan collection policies are harming some of the most vulnerable members of our society. The agencies clearly have the authority to stop doing this. There is no law that says that they must call a borrower (o su abogado) every week. Checking off a contact box on a computer screen has become more important than common sense. This is where our policies have taken us. Is this what we really want to pay for?