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How do I get the free report? I’m behind on payment for the last 3 years and they are telling me that they will garnish my wages. Don’t I get a court hearing for these kinds of stuff? I’m barely living hand to mouth please help! – LIz

Liz,

Just click the “download” now. Read the Confessions and it will tell you some easy easy strategies. One thing you can do IMMEDIATELY is to send in a “token payment”. Send in $10 and it will buy you 30 days. Just remember to send in the $10 with cashier check or money order. NEVER give your bank account information to the collector.

After you read the confession and you still have questions, please ask.

Thanks!

Mr. Kay.

How do I get the student loan blue print? it says it’s sold out….

My wages have been garnished for the last 2 and 1/2 years because I COULDN’T pay what THEY thought I should. So then after I was stong armed, I moved into my friends garage apt, agreed to a 9 month payment plan to stop the garnishment after completion…Well I couldn’t complete the program because life happens and they expected me to pay with the garnishment and payment plan for atleast 9 months over 1000.00. I don’t make $40,000.00 a year. How could I keep this up? Couldn’t but I tried.

Now what? “They say I can’t do another payment plan because I didn’t complete mine…How can I stop $191.00 dollars garnished from my check every two weeks and get this under control without paying some company $800.00 to “maybe” be able to help me. I am going to have to die before my student loans will ever go away. PLEASE PLEASE help me.

@Crystal- send them a token payment. The thing with the Dept. of Ed. is that you could be starving and they truly wouldn’t care, all they want is their money and they will take it from you. They have gotten my husband’s check for the last two years, $1k every two weeks, down to $300 after insurance, taxes and student loans. We struggled so I called and asked if we could lower that payment… I swear they said to me “If you can pay $15k right now, I will waive the $3k interest.” gosh, gee thanks, if I had $15k, ya think I would be calling? really? We have learned ten fold and will never do it again, even if it means working four jobs and sleeping in a car during school.

Hi Mr Kay
My wages have been garnished for over a year now. A week before I filed my taxes I called to see if I was offset, the two representatives I spoke with said their records showed no offset. I filed a week later and was expecting my refund 2/23/12. I called during the entire time checking my status and the day before my refund was to be deposited, I called and they said I would not be getting my refund. How does this happen. Should I just prepare for my taxes to be taken each year from here on out. This will make the second year while garnishing my wages.

Hey thanks for your program Mr. Kay. I can’t believe debt collectors really cross the line like that. Honestly, WHO ADDS $400 TO MY MONTHLY PAYMENT AND SAYS $500 IS THE MINIMUM? I can’t believe I was this close to paying $500 every MONTH! They’re really good at making what they say seem like the only option. Not just that, they said I only have 5 days to come up with a $1500 down payment or they were gonna garnish my paychecks! This collector also had the nerve to say that he’ll do me a favor by counting the $1500 as my first month’s payment. Honestly, who does that? It’s not like I didn’t want to pay, I just wasn’t able to come up with that kind of money in 5 days! I was never able to complete my degree so I never had a decent paying job until now and these collectors were gonna ruin everything. Stumbling on your website was one of the best things that ever happened to me! Thanks for exposing the truth about these dirty snakes. Obviously, I didn’t end up paying the “made up” down payment and the money I saved learning from your Blue Print pretty much paid for the program itself more than 20 times! I’d make the same investment in a heartbeat! Thanks again, Mr. Kay!