ECMC Group, Inc. Debt Collection Complaint

ECMC Group, Inc. Debt collection department,

Federal student loan Communication tactics Called after sent written cease of comm Florida

I have had - issues with my federal law school lender ECMC/-. I am not alone, it is a potential class action lawsuit because many borrowers have had the same experience with ECMC. In 2007, I was laid off and defaulted on my federal loans. I contacted - to rehabilitate my loans. They promised if I made - on-time payments they would place my loans with a new lender and rehabilitate them. I made the payments but the financial crisis happened and - breached its agreement because they could not find lenders to buy student loans. So they did't rehabilitate my loans and just disappeared. Eventually, maybe 18 months later, - was bought by ECMC. ECMC added tons of collections fees to my loans and refused to honor the rehabilitation deal with -. Debt collectors harassed me despite my written complaints and ECMC refused to provide me with my/- - and a breakdown of my


ECMC garnished my wages without notice, garnished an impermissible amount ( - % ) and then denied me arbitration. Internet message boards show many consumers with these same complaints against -/ECMC. The ECMC Ombudsman was nice but ultimately could n't help me and ECMC issued notice that either I agree to their amount and pay, or not pay and remain in default. There is no option to pay while I continue to dispute the fees. If I make a payment to them I am agreeing to an additional $ - in fees!!!! My loan was for $ - and now ECMC claims it is $ - with fees! I am trapped. ECMC responded to me that Federal student loan issues fall outside the CFPB protections because of a recent lower court case. The Dept of Ed Ombudsman will only verify the amount owed ( although they did find errors and made a reduction ), they will not help with substantive disputes. I offered to negotiate to pay a settlement to resolve this but ECMC wants me to pay them $ -! I only borrowed $ -!! have you ever heard of a settlement for 20 % more than the amount borrowed?!?! I have hundreds of pages of documentation/correspondence to verify the above.