A summons was slipped under the door of apartment by these guys yesterday. I have no idea how they got in the building or past security. The summons has no case number and is not signed or stamped by the court. It says that the plaintiff is Central Collection Service, Division of Finance and Procurement, State of Colorado as an agent for Front Range Community College, an agency of the State of Colorado. And it says the attorneys for the plaintiff are Machol & Johannes. This was a $4700 debt I owed to FRCC becuase I hadn't finished my classes one semester so my pell grant did not go through and they are now asking for the money that they had given me in anticipation of that grant. That is fair and when I first became aware of the debt a year ago I wanted to start paying it back but there was a lot of confusion as to exactly how much I owed and for what. I've been waiting for paperwork front the school that never came. I should have been more proactive about it because now these guys have gotten a hold of it and tacked on $2000 in collection fees and the total is now almost $7000.
From what I've read here these guys are scum bags who will do anything to get this and even more money out of me. How can I protect myself? My court date is in March so I have a couple of months. I can't afford a lawyer. I am a waitress. I make $4.85 an hour. I have $25 in my checking account right now. I am in no position to start making payments of any kind on this debt or offer anything for settlement. It sounds like they have been garnishing peoples wages here but I have nothing to take...$4.85 and hour. I don't own anything, no house, no car, not even a television. So what should I do?
By signing up a debt counseling session, your provided details (Name, Email ID and Phone No.) will be forwarded to the company advertising on the DebtCC. However, you have no obligation to use their services.
Some creditors and collection agencies refuse to lower the payoff amount, interest rate, and fees owed by the consumer.
Creditors/collection agencies can make collection calls and file lawsuits against the consumers represented by the debt relief companies.
Debt relief services may have a negative impact on the consumer's creditworthiness and his overall debt amount may increase due to the accumulation of extra fees.
The amount which the consumer saves with the use of debt relief services can be regarded as taxable income.