Diversified Collection Services

I am going thru the same thing with this company. I just happened to Google them today and see all the problems that people are having are the exact same problems that I am having. They have had my student loan for months and never contacted me. I contacted them. I explained my situation to them and they gave me a crazy amount of money to pay per month. When I told the guy I could not pay that amount he told me that he would just list it as I refused to pay. I am glad I read these posts. I am going to be very careful with this company and make sure I document everything with them.

This company has been calling trying to collect on my student loan. As I stated to this company numerous time that I am not working, I am unable to make any type payments at this time. They wanted me to get money from my family and I tried to get the hardship paper work mailed to make. They stated that I would have to make a payment to get that and I could not believe that. Then this company called again saying if I paid $100.00 for 6 months this will bring my bill up to a good standard, So I can go back to school. Again I am not working so where in the world will I get the money to pay these people since I am currently unemployed at this time and for the life I can not understand this company at all.

Sincerely

Tequilla Simmons

DCS are loan sharks, my daughter had a student loan and I just watched it in Aug go from 7k to 10 k to 13k and now it is 16K how does this happen. OMG Obama bails out Fanny Mae and the institute guts the student. Well OBAMA you have my vote...NOT.

I defaulted on student loans after I went through a divorce and a loss of job and had to move 3hrs from my kids back in with my mother and lost everything in the divorce, oh yea, and a bankruptcy... there's the gist of the problems on my end. This is why I defaulted. Enter Diversified... They call my mom who tells them that this is her phone and that she gave the message to me and not to call back and that she wants taken off the call list. They laughed at her and actually hung up on her? I have a job that pays in cash and my credit is screwed from the bankruptcy anyway, the threat of garnishment doesn't work on me and that really pisses them off apparently. When I did call them back to try to work some type of payment plan that would work for me right now (being that im in a bad spot with my finances) I let them know up front that I was calling to arrange some type of payment plan and then I was greeted with how much I owe and how hard they've tried getting a hold of me and all their sad issues they've had to deal with b/c they cant get a hold of me, I told them I don't like to be bothered and when I can do something I will and if I cant then I wont, that's when they told me they could garnish my wages if I didn't cooperate with them and they would call everyone in my life till they got their money. So I asked them, how that worked out for them all this time they've been trying to get a hold of me? And I then told them up front that I get paid cash money and that the threat of garnishment wont work in my situation when I don't have a bank account/credit cards and nothing I own is under my name, I told them if they didn't stop harassing my mom and threatening me that we could go back to the cat and mouse game where I don't get bothered by them and they get all worked up trying to get a hold of me until I decide to call them back and try to work out a fair payment plan. They said they'd really like to come to an agreement right now and wanted an address where they could send my bill since I didn't have a bank account. I snickered and said ill give you my email address (I use it for junk) and that I didn't have an address so the email would be the only way to get a bill to me, and that I would make sure to send the amount I'm able to by money order every month. They didn't like that option and I could tell by the huffing and puffing they did as they asked for my email address. They then asked for a number to reach me on and I unfortunately called them from a blocked number and told them that I didn't have a phone, but that my email is a good way to get a hold of me and I had their number and would be sure to call them back when I received an email that stated if they had a question that needed answered. Well, that's when the customer service person got really annoyed and started laughing and began telling me how my life is just sad and I should be embarrassed, I then asked him if he would like to set up a payment plan or if he would like to keep up his attitude and not get anything ? That's when he started yelling saying that they'll get their money one way or another, they always do and I would be begging them to stop by the end of it, that I would be calling them willing to sign anything just to get them to stop their methods ... (this was 8 months ago ;) I interrupted his loud rant and said I take it you're not interested in working out a payment plan I see, and the ### hung up on me. My mom changed her number and has not given it to my ex wife and me and my ex don't talk except for dealing with the kids (and yea, I do get a reminder of these people keep calling my ex and to take care of it ;) but it actually doesn't bother me that they choose to harass my ex wife ;) Then I go on ignoring her till I have to talk to her to get through to my kids again. I think they really should be a little better to people who call in trying to work out a deal with them, you would think they'd want some money over the option of getting nothing and no where for over a year, but their attitudes are just too damn childish and their bully tactics only get them so far (in my case, not very far at all). I might call them here shortly and see if they want to start this process over again and see if they'll be nicer this time. I'll let you all know if there is any change of attitude this go around.

I had set up a payment plan with Troy Adams and all was well. I now have the ability to pay my debt of in full and cannot get a return phone call. I have tried twice a day for the past 8 days and have left messages with both Troy and his supervisor. I would like to pay this debt ASAP so that I can obtain loans for school in the fall. This is quite frustrating.

I JUST CALLED FOR THE SECOND TIME IN REGARDS TO MY STUDENT LOAN THAT I AM MORE THAN WILLING TO PAY BACK. THE COLLECTIONS DEPT. WAS PLEASANT ENOUGH, BUT WHEN THEY TRANSFER YOU TO YOUR "REPRESENTATIVE" FORGET IT! I HAVE NOT GOTTEN ONE CALL BACK. I INFORMED HIM THAT I AM TRYING TO REPAY A DEBT, THAT I HAVE READ NUMEROUS COMPLAINTS ABOUT THEIR PRACTICES AND EXPECT A CALL BACK. WE WILL SEE. IN THE MEANTIME, DOES ANYONE HAVE A NUMBER THAT I CAN CALL WHEN MR. TYSON DOES NOT RETURN MY CALL? I AM SURE I WILL NEED SOME KIND OF RECOURSE, FROM ALL THAT I HAVE READ.

Ha ha, this "customer service" department is outrageous! They hang up on people?! Are you kidding me? What a nightmare.

I too had a terrible experience in dealing with DCS. Customer Service is not their strong point, as a matter of fact, I don't believe there is a Supervisor in charge due to the fact that although I left many messages, non were ever returned. When trying to work out with my respresentative on paying my account, I was told that I had an bad attitude and was hung up on. I did send the amount due in full and followed up with a phone call again to the representative on getting a letter from them to state that the account is paid in full and still no one has called me back nor have a received the letter. Don't get me wrong, I got a copy of the cashed check from the bank for my records (which of course includes the account number and such), but if this was any type of reputable company, I would have received a call back and the letter requested. I am still pursuing this and I will not give up, but I too think that this company should not have any collection business. The crude and inappropriate behavior that their representative exhibt to someone who is trying to pay their debt is unacceptable. You would think that being the economy is suffering as bad as it is, they would at the very least entertain a pleasant conversation with the person trying to pay the debt. I can't understand the means for being rude, especially since I wanted to settle this debt. I am sure they get a run around all the time, but if their customer service representatives are good, they would know how to to read their customers. It is truly sad and pathetic.

I have call on numerous ocassions but I'm always sent to voicemail and I have left messages on top of messages with no one returning my calls.

I have even ask for a supervisor they transfer me to someone name Rose and I also get a voicemail stating she will return the call within 24 hours but that has not happened either.

The customer service person has a nasty a-- attitude and it seems to me it's always the same one that answers the phone.

I feel they should not be allowed to have this business. Please do something about this company. Thanks.

So if anyone knows who can help me Please let me know.

I have called and tryed to set up some type of payment and the basically told me it would not be worth it, I told them we could pay a least a hundred a month for now and then I got hung up on. Have tried calling back to figure something out and they just treat you like crap.

Good morning:

This company is giving checks without FUNDS:

Diversified

Construction & Restoration

12555 S.W. 130th Street

Miami, Florida 33186

Office [protected]

Fax [protected]

info@diversifiedinc.us

For the last times this company is giving payroll checks without funds. A group of employees has been almost arrested in Cashier's stations because these Diversified checks are bein bouncing since 3 months. I have a check since las 1 28 2011 and there are no funds in the bank.

I am requesting an investigation to these people because it is not possible that in United States a Boss (JERRY) can be riding a limo in town visiting the projects and there are no funds in the bank. No Cashier Shops want to cash these checks and they are calling the police for each person that goes with a Diversified Check.

HELP ME...

Pedro J Batista

900 Bay Drive 1012

MB FL 33141

[protected]

[protected]

What they are doing is illegal and you need to contact an attorney and sue them. Call [protected] and tell them what is going on. Also start recording your phone calls, because they will lie and say they did nothing wrong. Also note days, times and person that has called.

I set up payments with DCS so that they wouldn't garnish my disability. I was told as long as my payment arrangements were set up by May 1, 2012 that my disability wouldn't be touched. I made my first payment on April 1, 2012 with the agreed amount of $125. I got a letter on yesterday, April 30th, 2012, telling me that they have garnished my disability anyway. They took $240.19 from my check. There is a payment of $125 on top of that that is due to come out of my account today for the $125 we agreed on. I couldn't afford the $125 but knew if I didn't make arrangements, I would be in worse shape. So now they are getting $365 at least for this month. This is disgusting. They didn't keep their word but clearly they expected me to keep mine because they had the power. I reported them to the FTC today. I will be following up with the States Attorneys Office to see if there is anything else I can do.

They won't stop calling and I'm at stay at home mom.. I haven't gone to school.. so no loans and also have never borrowed. Why do they call me and want to know my social.. they are calling me.. they should have all they need to talk to me right there in front of them.

Please see the link below...the Treasury Dept investigated DCS and found they were not complying..DCS is the worst company on the planet..WHATEVER you do ..DO NOT deal with them..they lie lie lie There actions are pretty much criminal

http://www.treasury.gov/about/organizational-structure/ig/Documents/oig09025.pdf

U.S. Dept. of Education - Default Resolution Group - [protected]
Ashley was the agent, was able to look up my loan payments, garnishments and consequently was able to Fax my payroll office to cease the garnishment on my wages. My DCS agent Jennifer, on the other hand, had just given me excuses that their computer system was in upgrade and was having problems and she was going to continue garnishing and secondary payments until the computers were "fixed".
So don't stop with a call to your DCS rep. Give the Default Resolution Group a call and see if they can help. In fact, it's their job!

I too have been receiving harassing letter from this place about my student loans, iI called them to see what they were about and why i was receiving them get this my loans had been paid off since March 2008 so when I called and gave the account number on the letter the lady told me i gave too many numbers and the account number was wrong so when I gave my ssn# I wasnt in the system she gave me the number to The Department of Education and I wasnt in the system either I called them back wanting to know why they were sending the letters and requested to speak to and supervisor to no avail, I called The Department of Education again to get confirmation on the information that I received from them stating I do not owe them any money and asked they did they use this collection agency and the young man i spoke to said that they did and I informed him what they were doing.

ECMC transferred my SL debt to Diversified Collections. The debt is 35 years old. 20 years ago a judgement was filed. No action was taken because I was judgment proof. I had no assets. In florida you are really protected under the homestead act. I don't have a job so they can't garnish my wages either. It was on my credit report for 7 years but that came off and it is now time barred.Yes, even though it's a student loan they do have to follow FDCPA laws. So while they can and do take my husbands tax refund ( we allow this without him filing for injured spouse as it's not his loan) the loan went from $3500 back in 1976 to over $15K today. And that is after the tax offsets. They can and probably will take a portion of any social security check I get. As I didn't work all these years except sporadically, I have no check of my own. But when you are married for more than 10 years, you get 1/2 of your husbands check. They can take a % of my check but cannot leave me with less than $750 a month or up to 25% of the check. So when I am old and most vulnerable and least able to protect myself they will be taking money from my SS check. Not my husbands but if he dies first then the SS check goes to me and once again they will take money from me. Fun huh? The DOE is putting a huge burden on people with these student loans and with the economy the way it is now, and I expect it to get worse, expect more defaults. Then people will cry a bit louder and the law will change. As soon as it does I will file BK on that small loan which they have taken 3 X over already in the form of tax refund offsets.

Noticed that they DCS did a credit inquiry on me which makes it look like I am applying for credit or a loan with them, the type of inquiry that works against your credit. That might be illegal and I have contacted the credit bureau to dispute it. Since I had a stafford subsidized loan which does NOT require a credit report at all as it is not dependent on your credit, there would be no reason for them to make it look like I am applying for credit even 35 years later.
Once the bureau contacts me about the dispute ( unauthorized credit inquiry) I will then contact every state representative that I can find that is fighting to change the laws on student loan debt and there are many now that want student loans to be like all other loans as they were 30 years ago. Dischargeable!

Not all 'debts' collection agency's call on are even legitimate. I've paid my debts off, but still get harassing calls, many from debts over 25 years old that were paid off years ago. These collectors buy old debt for pennies, then harass and badger hoping to get something. Doesn't matter if the debt is not valid, or was paid off already, they'll still call and harass. They'll threaten everything from garnishment to ruining your credit. They'll tell you they'll sue you, and see you in prison for not paying your bills. Well, fact is, unless you agree to make a payment to them, they can't do anything to you. Only a legitimate creditor can place any info on your credit report. If you don't acknowledge the debt, , and NEVER send them any payment, they can't do anything to you. Also, if you get a copy of your credit report, you can go online, or call, and dispute anything on your report. If a creditor did a Charge Off, they were paid by their insurance for your debt, and usually won't counter your dispute. Bottom line, you can get a lot of old and/or erroneous items off your report, and it'll be like the debt never existed!

I was contacted by a woman from DCS back in May, 2009. She contacted me at work and explained she was calling in regards to my student load that had gone into a default status. Now, I didn't default merely because I just didn't want to pay. My husband had left me and I was trying to pay rent on my own that I could barely afford, never mind all the other bills that come along with life. I ended up having to move and just couldn't pay at that time. I explained to her that she was calling me at work and I couldn't talk to her about this matter while I was at work. She explained to me that I could go back to making the payments I was making to ASA, which were $75/month, or they were going to start garnishing my wages. I took down her name, number and ext. she could be reached at. This was a Thursday that we had this conversation. She told me that I needed to call back no later than the end of their business day on Friday. I started calling from my cell phone when I left work that day...the day she called me. I left her 2 vm's that were never returned. I called her 6 more times the next day, each time leaving her vm's to please return my call on my cell. When I never heard back from her, I called the main number, and asked the operater if I could speak to someone else about my account because this was a time-sensitive matter. I was told that she was my rep and I couldn't speak with anyone but her and was transferred to her only having to leave another vm. I left 2 more vm's when I left work that night. None of my messages were returned. I continued to call her several times over the next few weeks and I never got a return phone call. Before I knew it, they had contacted my employer, and have been garnishing my wages ever since. It's funny that I was told I had to speak with that one person because she was my rep, but once they started the garnishment, I was able to speak with anyone that was available anytime I called them since. They're still garnishing me even though I've been paid in full for weeks now. Every time I call they tell me that it is now is ASA's hands to print the release forms that get sent to my employer and that should only take a couple of days. Well, it's been more than a couple of days, and my employer hasn't received anything from them. I'm keeping track of all the overages that have been taken out of my wages because they say that I will get this back. But, it seems that everytime I call, they tell me that I'm paid in full as of a certain date, but that date has changed from the original date I was given. This is why I'm keeping track. I noticed in one of the comments that was written on this board and that person said they think it's funny that people pretty much have no problem borrowing the money to go to school but don't want to pay it back. I don't think that's what any of us wanted or intended on doing. Unexpected things in life happen and that's the bottom line. The last thing I wanted was for a government loan to go into default only to ruin the credit I worked so hard on repairing. This has caused me such financial hardship where I've had nights without any dinner, I fell behind in everything to the point that I had to move twice, and worst of all I ended up having to file bankruptcy. THAT'S the last thing I ever wanted to do. DCS offers you to apply for a financial hardship hearing so you can plead your case in hopes that they will stop garnishing your wages and be able to feed your family again. You end up receiving their paperwork too late to fill it out and get it back to them in time only to plead your case to a person that couldn't care less about your situation. Anyone that I have spoken to about these so-called hearings all have had the same outcome as mine did...nothing. Be careful of these people. Once you've been contacted by them get on-line and become aware of your rights.