Consumer complaint received 2017-03-16
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: National Recoveries, Inc. (MI)

It seems that National Recoveries , Inc. Is trying to make it as hard as possible for consumers to set up payment arrangements to avoid garnishment. I contacted National Recoveries, Inc. on Friday, XX/XX/XXXX to follow up on a notice of Garnishment that I received. I was given the option to set up a repayment plan, based on my income and expenses. I was informed on XX/XX/XXXX that I had until the XX/XX/XXXX to submit a Financial disclosure with proof of expenses and check stubs so that a payment amount could be calculated for me. I submitted everything on XX/XX/XXXX. On XX/XX/XXXX I still had n't received any information regarding my payment arrangement, so I called the company to follow up. On XX/XX/XXXX, I was informed that my paystubs were n't legible, which is ridiculous considering that I sent downloaded .pdf formatted stubs, which were sent along with all of the rest of my information. When I asked why I was n't informed of this prior to the deadline, I was told that the company called, but they " do n't leave voicemails ''. I find this utterly ridiculous, considering that most people do n't answer random calls from XXXX numbers, and may be at work or school during business hours. I 've also received voicemails from several debt collection agencies in the past. This alone should be considered unethical. I had 3 days to submit the paperwork to avoid garnishment, which I believe warrants a voicemail. On XX/XX/XXXX, I was told that the garnishment letter was scheduled to be sent to my employer today, XX/XX/XXXX. But, if I could fax my paystubs again, I could call in about 30 minutes to give them time to review them and set up a payment plan for me to avoid garnishment. I submitted 2 paystubs again on XX/XX/XXXX. I gave the company about 4 HOURS to receive and review the paystubs. I called again, and was informed that the payment plan still was n't processed. I was LIVID. The person that I spoke with advised me that if the payment arrangement was set up before the garnishment letter was sent, that I would be able to avoid the garnishment by making a payment. I was told to call back in the morning of the XX/XX/XXXX, and that they should have received and processed everything, hopefully before the garnishment letter was sent out. I waited until today, XX/XX/XXXX, and called again first thing in the morning. Today, I was informed that they supposedly only received one paystub, and AGAIN, I was n't contacted, and received no voicemail regarding this. I sent in BOTH PAYSTUBS FOR THE THIRD TIME. I sent the stubs at around XXXX, and at XXXX, 5 hours later, they still have n't processed the paystubs and made an arrangement for me. It is unfair and simply poor business practice to refuse to contact or leave voicemails for consumers that are doing everything that we need to do in order to resolve the debt. I 've been given the runaround for 6 days, when one simple voicemail on XX/XX/XXXX would have allowed me time to resubmit my paystubs with plenty of time to avoid garnishment. Now, if I 'm garnished, not only will I be destroyed financially, but I will be forced to sue National Recoveries , Inc. for money unfairly garnished, any other debt that is incurred due to lack of monies garnished, any bank fees associated with overdrafts due to money not being available to cover my bills, and attorney/court fees.