Consumer complaint received 2019-10-22 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Capital Management Services, LP
State: IN

Complaint narrative:
I called CMS this morning to arrange payment on my school loans that had gone to default. I dont make a lot of money, I have a lot of other bills, but I would like to be working towards some end of my debt, even if Im making small payments. The call started off relaxed as I explained I wanted to start off with small payments and increase them in the future. This is where things started to take a dark turn. I was told I needed to make a payment of over {$4000.00} up front and then go onto a payment schedule of over {$600.00} a month. I told him that was impossible. My budget allowed more towards {$100.00}. He started to become invasive in where I worked, what kind of money I make, telling me there was no way theyd allow me to make that low of a payment. I had let it slip early on in our conversation that I worked in retail and would have longer hours soon. He said I should put all of my extra money into paying my loan and that I should also use my tax return for it. I was getting beside myself and trying so hard to get him to understand I couldnt, I needed a new car ( mine is totaled ) and he took advantage that moment to accuse I was trying to put all my money towards a lengthy car payment ( not true ), to which I said, look, I have to drive to work in order to pay you, if I dont have a car to drive to work, I have nothing. I said somewhere I was borrowing my moms car and he said I should ask my parents for money to pay the loan. I said, well, my dad is dead. My mom is on a fixed income. He kept pushing that my mom should pay my loan. I said, Im supposed to just borrow my moms money and try and pay her back over 20 years? And he said like youre doing to us? I said the whole argument was ridiculous because she has no money, shes sick, and over XXXX years old. He stopped pressing that point. Then he said I should get a second job. At this point I was crying. I was in XXXX  just to be at THIS point, I couldnt handle a second job. I was sobbing. I said I called him, I was trying to give him money for my loan. I said it was pointless to tell him, but that were at time in our country where people arent paying loans. But I called HIM. Im trying to pay and he wont let me. He finally said he would accept {$200.00} a month for 4 months and then reevaluate in XXXX. 

This was horrible. I was determined to start paying back what I owed and now Im fearing how Im supposed to go on without an extra XXXX dollars a month. I felt attacked personally on all sides, I felt traumas revisited, i feel less inclined to try and settle other debts, I was crying on and off through work all day. I feel abused and emotionally exploited. This is a problem because I know Im not the only one experiencing conversations like this. It is not helping and it makes me want to cancel everything and just disappear.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation