Student Loan Repairman, Inc.

Initial Business Response /* (1000, 11, 2015/10/21) */
[redacted] enrolled with our company in March 2014 for a consolidation. At the time of
enrollment, he was seriously in default on his federal student loans, and failed to advise us, despite our
direct questions, if he was in a wage...

garnishment. In April of 2014 we were notified that the client was
in an active wage garnishment. We advised him in accordance with the U.S. Department of Education
guidelines that he would not qualify for a consolidation or be eligible for one until he rehabilitated his
loans and stopped the wage garnishment. We agreed that we would convert his contract into a Rehab
and Wage Garnishment hearing.
Not only in accordance with the signed contract that states this conversion to happen if it were
discovered that the client was in a wage garnishment, but we followed all of the U.S. DOE guidelines and
established the Rehabilitation program with the collection agency that had the loans. In addition, we
serviced this client for multiple months going back and forth trying to get the correct documents for a
wage garnishment hearing, and he could follow our instructions and get the proper and correct
documentation to us in the requested time frame. Another point that he agreed to in his signed
contract. Mr. [redacted] himself decided to take it upon himself multiple times in this process to
communicate directly with the collection agency despite the power of attorney that we had on file and
our repeated requests not to. Mr. [redacted] expected to be the only client that we had at the time and
would start panicking if someone did not return his email or his phone call within a couple of hours of it
being sent to us. This is what resulted in him not only writing up this report, but calling in his payments
to the collection agency, despite being told not to.
Every phone call and every email that he has sent us has always been answered within 24-48 hours as
per company policy.
In addition, we have completed his program, because as his contract states, we were obligated only to
facilitate the Rehab program with the collection agency, negotiate it, and stop the wage garnishment.
All of which we have successfully completed.