Educational Credit Management Corporation

ECMC has filed tax lien on me and has not even attempted to contact me in the past year. I have maybe seem two attempts over three years. That even includes while I was homeless. I would have tried to work something, but no contact from them, they went straight to tanking my tax return.

ECMC has filed tax lien on me and has not even attempted to contact me in the past year. I have maybe seem two attempts over three years. That even includes while I was homeless. I would have tried to work something, but no contact from them, they went straight to tanking my tax return.

I have TWO federal student loans, previously held by Navient (the servicer). ECMC was the Guarantor on my loans. I filed for a discharge at the end of last year. My loans have NEVER been in any sort of defaulted/late pay. My loans at the time I filed the discharge, were in a deferment that was scheduled to end in June (i believe) I filed ahead of time and extended that deferment to Feb 2018. Fast forward to March/April 2017, the first communication EVER received from ECMC was a notice of default. So I immediately contacted Navient, they could not explain the reason. So I contacted the federal Ombudsman office. When the Ombudsman office responded, I found out that ECMC allegedly sent out documents for me to sign and return within 30 days (which I NEVER received). The ombudsman was able to send me those documents, when I received them I immediately filled them out and returned them. That did not fix the issue and my loans were still put into default based on the allegation of the first set of documents that were mailed out and not returned. I asked for proof of mailing, and they could not provide this. They are still refusing to correct the status of my loans. My discharge was denied, and according to the documents the ombudsman had sent out to me, if I filled out the forms, my loans would be sent back to the original servicer and back into the status they were in prior to the discharge request. I have filed complaints with the CFPB, al 3 credit bureaus and these loans are still not being reported correctly, which is a violation of the FCRA laws. I have a full paper trail showing the status of my loans prior to and at the time I filed the discharge request.

I have TWO federal student loans, previously held by Navient (the servicer). ECMC was the Guarantor on my loans. I filed for a discharge at the end of last year. My loans have NEVER been in any sort of defaulted/late pay. My loans at the time I filed the discharge, were in a deferment that was scheduled to end in June (i believe) I filed ahead of time and extended that deferment to Feb 2018. Fast forward to March/April 2017, the first communication EVER received from ECMC was a notice of default. So I immediately contacted Navient, they could not explain the reason. So I contacted the federal Ombudsman office. When the Ombudsman office responded, I found out that ECMC allegedly sent out documents for me to sign and return within 30 days (which I NEVER received). The ombudsman was able to send me those documents, when I received them I immediately filled them out and returned them. That did not fix the issue and my loans were still put into default based on the allegation of the first set of documents that were mailed out and not returned. I asked for proof of mailing, and they could not provide this. They are still refusing to correct the status of my loans. My discharge was denied, and according to the documents the ombudsman had sent out to me, if I filled out the forms, my loans would be sent back to the original servicer and back into the status they were in prior to the discharge request. I have filed complaints with the CFPB, al 3 credit bureaus and these loans are still not being reported correctly, which is a violation of the FCRA laws. I have a full paper trail showing the status of my loans prior to and at the time I filed the discharge request.

I have TWO federal student loans, previously held by Navient (the servicer). ECMC was the Guarantor on my loans. I filed for a discharge at the end of last year. My loans have NEVER been in any sort of defaulted/late pay. My loans at the time I filed the discharge, were in a deferment that was scheduled to end in June (i believe) I filed ahead of time and extended that deferment to Feb 2018. Fast forward to March/April 2017, the first communication EVER received from ECMC was a notice of default. So I immediately contacted Navient, they could not explain the reason. So I contacted the federal Ombudsman office. When the Ombudsman office responded, I found out that ECMC allegedly sent out documents for me to sign and return within 30 days (which I NEVER received). The ombudsman was able to send me those documents, when I received them I immediately filled them out and returned them. That did not fix the issue and my loans were still put into default based on the allegation of the first set of documents that were mailed out and not returned. I asked for proof of mailing, and they could not provide this. They are still refusing to correct the status of my loans. My discharge was denied, and according to the documents the ombudsman had sent out to me, if I filled out the forms, my loans would be sent back to the original servicer and back into the status they were in prior to the discharge request. I have filed complaints with the CFPB, al 3 credit bureaus and these loans are still not being reported correctly, which is a violation of the FCRA laws. I have a full paper trail showing the status of my loans prior to and at the time I filed the discharge request.

I have TWO federal student loans, previously held by Navient (the servicer). ECMC was the Guarantor on my loans. I filed for a discharge at the end of last year. My loans have NEVER been in any sort of defaulted/late pay. My loans at the time I filed the discharge, were in a deferment that was scheduled to end in June (i believe) I filed ahead of time and extended that deferment to Feb 2018. Fast forward to March/April 2017, the first communication EVER received from ECMC was a notice of default. So I immediately contacted Navient, they could not explain the reason. So I contacted the federal Ombudsman office. When the Ombudsman office responded, I found out that ECMC allegedly sent out documents for me to sign and return within 30 days (which I NEVER received). The ombudsman was able to send me those documents, when I received them I immediately filled them out and returned them. That did not fix the issue and my loans were still put into default based on the allegation of the first set of documents that were mailed out and not returned. I asked for proof of mailing, and they could not provide this. They are still refusing to correct the status of my loans. My discharge was denied, and according to the documents the ombudsman had sent out to me, if I filled out the forms, my loans would be sent back to the original servicer and back into the status they were in prior to the discharge request. I have filed complaints with the CFPB, al 3 credit bureaus and these loans are still not being reported correctly, which is a violation of the FCRA laws. I have a full paper trail showing the status of my loans prior to and at the time I filed the discharge request.

On June 12, 2017 and again on October 23, 2017 Educational Credit Management Corp received my certified letters requesting validation of account they are attempting to collect on accounts *** They never responded. Under the Texas Finance Code the debt collection agency has thirty (30) calendar days to respond to a debt validation request. All debt collectors operating in the State of Texas must be able to verify, or "validate," any debt on which they are attempting to collect payment. Texas Finance Code Section 392.202 requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to: The name of the original creditor the original date of default or non-payment of the debt the date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Surety bond information respond or did not respond in time. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202(b)(2), that the debt in question is inaccurate. As such, all collection efforts on the debt must cease and any derogatory listing should be permanently removed from any consumer credit reports. As of November 29, 2017 I still have not heard from them. Under state and federal law I could sue them and ask for thousands. However, I would like to make every effort to resolve this matter amicably without presenting this case in court before a jury in my community. If they delete the account and cease reporting to the bureaus I will consider this matter resolved.

On June 12, 2017 and again on October 23, 2017 Educational Credit Management Corp received my certified letters requesting validation of account they are attempting to collect on accounts *** They never responded. Under the Texas Finance Code the debt collection agency has thirty (30) calendar days to respond to a debt validation request. All debt collectors operating in the State of Texas must be able to verify, or "validate," any debt on which they are attempting to collect payment. Texas Finance Code Section 392.202 requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to: The name of the original creditor the original date of default or non-payment of the debt the date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Surety bond information respond or did not respond in time. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202(b)(2), that the debt in question is inaccurate. As such, all collection efforts on the debt must cease and any derogatory listing should be permanently removed from any consumer credit reports. As of November 29, 2017 I still have not heard from them. Under state and federal law I could sue them and ask for thousands. However, I would like to make every effort to resolve this matter amicably without presenting this case in court before a jury in my community. If they delete the account and cease reporting to the bureaus I will consider this matter resolved.

On June 12, 2017 and again on October 23, 2017 Educational Credit Management Corp received my certified letters requesting validation of account they are attempting to collect on accounts *** They never responded. Under the Texas Finance Code the debt collection agency has thirty (30) calendar days to respond to a debt validation request. All debt collectors operating in the State of Texas must be able to verify, or "validate," any debt on which they are attempting to collect payment. Texas Finance Code Section 392.202 requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to: The name of the original creditor the original date of default or non-payment of the debt the date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Surety bond information respond or did not respond in time. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202(b)(2), that the debt in question is inaccurate. As such, all collection efforts on the debt must cease and any derogatory listing should be permanently removed from any consumer credit reports. As of November 29, 2017 I still have not heard from them. Under state and federal law I could sue them and ask for thousands. However, I would like to make every effort to resolve this matter amicably without presenting this case in court before a jury in my community. If they delete the account and cease reporting to the bureaus I will consider this matter resolved.

On June 12, 2017 and again on October 23, 2017 Educational Credit Management Corp received my certified letters requesting validation of account they are attempting to collect on accounts *** They never responded. Under the Texas Finance Code the debt collection agency has thirty (30) calendar days to respond to a debt validation request. All debt collectors operating in the State of Texas must be able to verify, or "validate," any debt on which they are attempting to collect payment. Texas Finance Code Section 392.202 requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to: The name of the original creditor the original date of default or non-payment of the debt the date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Surety bond information respond or did not respond in time. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202(b)(2), that the debt in question is inaccurate. As such, all collection efforts on the debt must cease and any derogatory listing should be permanently removed from any consumer credit reports. As of November 29, 2017 I still have not heard from them. Under state and federal law I could sue them and ask for thousands. However, I would like to make every effort to resolve this matter amicably without presenting this case in court before a jury in my community. If they delete the account and cease reporting to the bureaus I will consider this matter resolved.

I have went through Chapter 7 bankruptcy in shich my student load was included in. As per the judge it was to be included in what was declared and no payment to be made. well according to ecmc they claim that is wrong and it still owe because one of the only ways to possibly get it taken off is going to bankruptcy and declaring financial hardship. hmmmmmm??? don't people go through bankruptcy because they are having financial difficulty paying there bills. so according to them I have no choice but to pay because what bankruptcy court says means nothing. and on top of it I didn't even attend the whole class due to medical emergency and because the school didn't refund like they said and our closed that is my fault too. these people are total rip offs and scams. maybe they should take classes on what is financial hardship........

I have went through Chapter 7 bankruptcy in shich my student load was included in. As per the judge it was to be included in what was declared and no payment to be made. well according to ecmc they claim that is wrong and it still owe because one of the only ways to possibly get it taken off is going to bankruptcy and declaring financial hardship. hmmmmmm??? don't people go through bankruptcy because they are having financial difficulty paying there bills. so according to them I have no choice but to pay because what bankruptcy court says means nothing. and on top of it I didn't even attend the whole class due to medical emergency and because the school didn't refund like they said and our closed that is my fault too. these people are total rip offs and scams. maybe they should take classes on what is financial hardship........

I have went through Chapter 7 bankruptcy in shich my student load was included in. As per the judge it was to be included in what was declared and no payment to be made. well according to ecmc they claim that is wrong and it still owe because one of the only ways to possibly get it taken off is going to bankruptcy and declaring financial hardship. hmmmmmm??? don't people go through bankruptcy because they are having financial difficulty paying there bills. so according to them I have no choice but to pay because what bankruptcy court says means nothing. and on top of it I didn't even attend the whole class due to medical emergency and because the school didn't refund like they said and our closed that is my fault too. these people are total rip offs and scams. maybe they should take classes on what is financial hardship........

I have went through Chapter 7 bankruptcy in shich my student load was included in. As per the judge it was to be included in what was declared and no payment to be made. well according to ecmc they claim that is wrong and it still owe because one of the only ways to possibly get it taken off is going to bankruptcy and declaring financial hardship. hmmmmmm??? don't people go through bankruptcy because they are having financial difficulty paying there bills. so according to them I have no choice but to pay because what bankruptcy court says means nothing. and on top of it I didn't even attend the whole class due to medical emergency and because the school didn't refund like they said and our closed that is my fault too. these people are total rip offs and scams. maybe they should take classes on what is financial hardship........

Ed Fund/CSAC stated in the Federal Student Aid that I defaulted on my rehab loan. They said that I failed to make 6 consecutive payments. I I have 2 documents from Ed Fund/CSAC that states that I made 6 consecutive payments. The other document states that I made 7 consecutive payments. The truth is I made 10 payments and 9 of those were consecutive. Then they said I defaulted on my rehab loan so they could garnish my wages, which they did. I never signed any paperwork in regards to any agreement on rehab payments. I made 10 payments of $150 on 9 consecutive months. The first month was 9/1/2006- 5/01/2007. Again I have all paperwork that backs my statement. On ECMC’s website I was able to look up both of loans. Since ECMC became my lender. I noticed that on 6/14/2007 they stated that there was a rehabilitation repurchase lender payment for both loans, yet they never showed that they subtracted both payments to my account. I tried to have the Ombudsman look into this. ECCM said after 5 years they don’t have records. I informed the Ombudsman that the paperwork I provided them with was from ECMC website. ECMC, Ed Fund and CSAC are the ones who are not telling the truth. ECMC took my refund from the I.R.S on 4/14/2006. The total was $3,996.00. On Edfund’s website and on ECMC website, they state that there were payment reversals. There were 6 payment refunds in which they sent me checks. They also state that one of those checks they sent out was the $3,996.00 for my taxes. I never saw that check, nor did I cash it. The other ones I have check stubs and I cashed them. Of the paperwork that I received from Edfund, ECMC, or CSAC, nowhere does it ever show what payments went too, or a balance. There are more little mistakes that all ECMC/EDFUND/CSAC seem to keep making. I have the documents to prove it. I have receipts totaling $15000 - $18000 of payments that I made. I have asked ECMC/EDFUND/CSAC to provide me with statements that show what I paid and then a remaining balance. No response. I asked CFPB to get involved, which they did. ECMC stated that after 5 years they delete files. My girlfriend’s lender is ECMC and she has been with them for 8 years. So im guessing if they owe you money or seem guilty of not reporting the correct truth, then they delete your records. If you owe them money, they still have your records on file. If I have documents from their website showing proof of my claims, that should be evidence. ECMC should not able to say because they don’t have any of my files,( cuz they delete them after 5 years, I guess they need to make room on their server) that they cannot confirm what was presented to them. They have put negative info on my NSLDS website. Again stating I didn’t make 6 consecutive payments. I have 2 of their letters stating I did. On one letter it even states I made 7. Please help me

Ed Fund/CSAC stated in the Federal Student Aid that I defaulted on my rehab loan. They said that I failed to make 6 consecutive payments. I I have 2 documents from Ed Fund/CSAC that states that I made 6 consecutive payments. The other document states that I made 7 consecutive payments. The truth is I made 10 payments and 9 of those were consecutive. Then they said I defaulted on my rehab loan so they could garnish my wages, which they did. I never signed any paperwork in regards to any agreement on rehab payments. I made 10 payments of $150 on 9 consecutive months. The first month was 9/1/2006- 5/01/2007. Again I have all paperwork that backs my statement. On ECMC’s website I was able to look up both of loans. Since ECMC became my lender. I noticed that on 6/14/2007 they stated that there was a rehabilitation repurchase lender payment for both loans, yet they never showed that they subtracted both payments to my account. I tried to have the Ombudsman look into this. ECCM said after 5 years they don’t have records. I informed the Ombudsman that the paperwork I provided them with was from ECMC website. ECMC, Ed Fund and CSAC are the ones who are not telling the truth. ECMC took my refund from the I.R.S on 4/14/2006. The total was $3,996.00. On Edfund’s website and on ECMC website, they state that there were payment reversals. There were 6 payment refunds in which they sent me checks. They also state that one of those checks they sent out was the $3,996.00 for my taxes. I never saw that check, nor did I cash it. The other ones I have check stubs and I cashed them. Of the paperwork that I received from Edfund, ECMC, or CSAC, nowhere does it ever show what payments went too, or a balance. There are more little mistakes that all ECMC/EDFUND/CSAC seem to keep making. I have the documents to prove it. I have receipts totaling $15000 - $18000 of payments that I made. I have asked ECMC/EDFUND/CSAC to provide me with statements that show what I paid and then a remaining balance. No response. I asked CFPB to get involved, which they did. ECMC stated that after 5 years they delete files. My girlfriend’s lender is ECMC and she has been with them for 8 years. So im guessing if they owe you money or seem guilty of not reporting the correct truth, then they delete your records. If you owe them money, they still have your records on file. If I have documents from their website showing proof of my claims, that should be evidence. ECMC should not able to say because they don’t have any of my files,( cuz they delete them after 5 years, I guess they need to make room on their server) that they cannot confirm what was presented to them. They have put negative info on my NSLDS website. Again stating I didn’t make 6 consecutive payments. I have 2 of their letters stating I did. On one letter it even states I made 7. Please help me

Ed Fund/CSAC stated in the Federal Student Aid that I defaulted on my rehab loan. They said that I failed to make 6 consecutive payments. I I have 2 documents from Ed Fund/CSAC that states that I made 6 consecutive payments. The other document states that I made 7 consecutive payments. The truth is I made 10 payments and 9 of those were consecutive. Then they said I defaulted on my rehab loan so they could garnish my wages, which they did. I never signed any paperwork in regards to any agreement on rehab payments. I made 10 payments of $150 on 9 consecutive months. The first month was 9/1/2006- 5/01/2007. Again I have all paperwork that backs my statement. On ECMC’s website I was able to look up both of loans. Since ECMC became my lender. I noticed that on 6/14/2007 they stated that there was a rehabilitation repurchase lender payment for both loans, yet they never showed that they subtracted both payments to my account. I tried to have the Ombudsman look into this. ECCM said after 5 years they don’t have records. I informed the Ombudsman that the paperwork I provided them with was from ECMC website. ECMC, Ed Fund and CSAC are the ones who are not telling the truth. ECMC took my refund from the I.R.S on 4/14/2006. The total was $3,996.00. On Edfund’s website and on ECMC website, they state that there were payment reversals. There were 6 payment refunds in which they sent me checks. They also state that one of those checks they sent out was the $3,996.00 for my taxes. I never saw that check, nor did I cash it. The other ones I have check stubs and I cashed them. Of the paperwork that I received from Edfund, ECMC, or CSAC, nowhere does it ever show what payments went too, or a balance. There are more little mistakes that all ECMC/EDFUND/CSAC seem to keep making. I have the documents to prove it. I have receipts totaling $15000 - $18000 of payments that I made. I have asked ECMC/EDFUND/CSAC to provide me with statements that show what I paid and then a remaining balance. No response. I asked CFPB to get involved, which they did. ECMC stated that after 5 years they delete files. My girlfriend’s lender is ECMC and she has been with them for 8 years. So im guessing if they owe you money or seem guilty of not reporting the correct truth, then they delete your records. If you owe them money, they still have your records on file. If I have documents from their website showing proof of my claims, that should be evidence. ECMC should not able to say because they don’t have any of my files,( cuz they delete them after 5 years, I guess they need to make room on their server) that they cannot confirm what was presented to them. They have put negative info on my NSLDS website. Again stating I didn’t make 6 consecutive payments. I have 2 of their letters stating I did. On one letter it even states I made 7. Please help me

Ed Fund/CSAC stated in the Federal Student Aid that I defaulted on my rehab loan. They said that I failed to make 6 consecutive payments. I I have 2 documents from Ed Fund/CSAC that states that I made 6 consecutive payments. The other document states that I made 7 consecutive payments. The truth is I made 10 payments and 9 of those were consecutive. Then they said I defaulted on my rehab loan so they could garnish my wages, which they did. I never signed any paperwork in regards to any agreement on rehab payments. I made 10 payments of $150 on 9 consecutive months. The first month was 9/1/2006- 5/01/2007. Again I have all paperwork that backs my statement. On ECMC’s website I was able to look up both of loans. Since ECMC became my lender. I noticed that on 6/14/2007 they stated that there was a rehabilitation repurchase lender payment for both loans, yet they never showed that they subtracted both payments to my account. I tried to have the Ombudsman look into this. ECCM said after 5 years they don’t have records. I informed the Ombudsman that the paperwork I provided them with was from ECMC website. ECMC, Ed Fund and CSAC are the ones who are not telling the truth. ECMC took my refund from the I.R.S on 4/14/2006. The total was $3,996.00. On Edfund’s website and on ECMC website, they state that there were payment reversals. There were 6 payment refunds in which they sent me checks. They also state that one of those checks they sent out was the $3,996.00 for my taxes. I never saw that check, nor did I cash it. The other ones I have check stubs and I cashed them. Of the paperwork that I received from Edfund, ECMC, or CSAC, nowhere does it ever show what payments went too, or a balance. There are more little mistakes that all ECMC/EDFUND/CSAC seem to keep making. I have the documents to prove it. I have receipts totaling $15000 - $18000 of payments that I made. I have asked ECMC/EDFUND/CSAC to provide me with statements that show what I paid and then a remaining balance. No response. I asked CFPB to get involved, which they did. ECMC stated that after 5 years they delete files. My girlfriend’s lender is ECMC and she has been with them for 8 years. So im guessing if they owe you money or seem guilty of not reporting the correct truth, then they delete your records. If you owe them money, they still have your records on file. If I have documents from their website showing proof of my claims, that should be evidence. ECMC should not able to say because they don’t have any of my files,( cuz they delete them after 5 years, I guess they need to make room on their server) that they cannot confirm what was presented to them. They have put negative info on my NSLDS website. Again stating I didn’t make 6 consecutive payments. I have 2 of their letters stating I did. On one letter it even states I made 7. Please help me

Ecmc has been garnishing my entire paycheck, I have mailed them a request to cease taking the entire wage. I have had a reply that stated they did not receive my wages and that another company did. I receive my pay from the U.S. Treasury dept. The Treasury dept send me a copy of my pay stub and a letter stating that the wages were sent to ecmc. I believe this to be in direct violation of the fair debt collection practices act. Garnishment of my entire wage is in violation of Federal, State, and Local laws. This is creating a hardship as I cannot even afford transportation to my employment.

Ecmc has been garnishing my entire paycheck, I have mailed them a request to cease taking the entire wage. I have had a reply that stated they did not receive my wages and that another company did. I receive my pay from the U.S. Treasury dept. The Treasury dept send me a copy of my pay stub and a letter stating that the wages were sent to ecmc. I believe this to be in direct violation of the fair debt collection practices act. Garnishment of my entire wage is in violation of Federal, State, and Local laws. This is creating a hardship as I cannot even afford transportation to my employment.