If such a thing were possible (which it is not) I would gladly give my JD back in exchange for my freedom from Debt, and for a good name and good credit, and for my life, as I once knew it.
There are days when I feel so unhappy.
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To me, the guy on the right had no bankruptcy protections, and the creditors harassed him for years, destroyed his soul, and so I really do not blame him. The guy on the left is a Dear John. But I've been there, and done that, and believe me, a gal like that ain't worth dyin' over, no matter who she is. |
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As far as I know, my involvement with the WDF Program was based on a telephone conversation with a Private Company Debt collector in the Fall of 09 called GC Services. If you go to the website of GC services here: http://www.gcserv.com/ you will not learn much about them, and I always wondered if GC services was or is owned by Sallie Mae and is getting the second bite of the apple, so to speak. But I could be wrong about that.
Anyway, and for those unfamiliar with my story, my Student Loan debt was at around 210K in 2009. Default tacked on another 50K or so when all was said and done.
GC services, the collection agency, made 40K.
Here is one of my telephone conversations with GC services from that period (Fall of 09) I recorded it with an old fashioned cassette tape recorder, and then converted it to digital.
I have had it on my blog before, but figure I will Post it again, since there seems to be a new crop of readers.
Here is another sort of surreal conversation, in which Charlotte explains how Bill Clinton set up the WD Ford Program.
And a third:
And so kids, that is what default sounds like, and you have the benefit of vicariously living, or at least hearing about it, through Painterguy.
Hopefully my efforts in recording all this crap, and my efforts with this blog, might save at least one kid the trouble of going through all the happy horseshit of wild and massive, soul and sanity destroying debt. (Believe me I am flipped out over the Debt - have been so for years- as my wild and wacky Posts have demonstrated)
But my student loan debt did have a progression, and I have files to prove it. But go here if you are still interested and/or curious, because I have covered a lot of this ground already in another post:
For a number of years, the loan was in the hands of the Protean/Amorphous Sallie Mae, and I think that perhaps no other person on Terra Firma, other than my Hero, Alan Collinge, can explain the in's and outs of how Sallie Mae became a private company.
I was shocked when I discovered that Sallie Mae was not the "Government" in 2009.
Did I mention that I am crazy about the way that Ann Coulter constantly and gracefully brushes her unearthly hair away from her lovely blue eyes and face? (I'll save that for later :)
Today, I just received an e-mail from the WDF Program and here is a copy:
| Important Direct Loan Servicing Center Changes | |||
Dear John, Later this year the Direct Loan Servicing Center will be transitioning to a new system and web site. The web site address will be www.myedaccount.com. Once the transition is complete, Direct Loan borrowers and TEACH Grant recipients accessing the current web site, www.dl.ed.gov, will automatically be redirected to the new web site. The new web site address will not be active until the transition is complete. Following the transition, borrowers will have access to the same features available today, just with a different look and feel. Why are we contacting you? As the servicer for your Direct Loans and/or TEACH Grants, we want to ensure that you have the latest information. This will assist in allowing for a seamless transition to the new system and web site. We remain committed to servicing your account, and though some changes can be expected, there will be no change in our ability to provide assistance and address your concerns when needed. To learn more about these upcoming changes including Questions and Answers about accessing and using the new web site, changes in electronic services, and other related topics, please visit the Direct Loan Servicing News section at www.dl.ed.gov. Be sure to check back frequently for further updates. The Direct Loan Servicing Center is available to assist you with questions about your Direct Loans and/or TEACH Grants as well as this transition. Associates are available between the hours of 8:00 am to 8:30 pm EST Monday through Friday at 1-800-848-0979. If you prefer to contact us via the web, you can do so at www.dl.ed.gov. Thank you __________________________ *** I realize that I am a flake with a flickering porch light. And I never understood the complexities of business and finance. I will add more to this Post, and hope that better minds than mine can make sense out of the societal thicket that all of us live in, in the US, today. August 2, 10:32 - Crashing now. Feeling a bit like I am not doing too well and need a break and a good night's sleep if possible. Will be back, but for now, if interested, you can go thru some of my older posts. You can read this maybe: http://esquirepainting.blogspot.com/2011/04/honey-hole.html Or this: http://esquirepainting.blogspot.com/2011/05/my-poem-for-marilyn-chambers.html God. I wish I wasn't such a solitary working stiff and with more time to read and write. But I'll be back on the weekend. I need a break, and am all done in, and look and feel pretty awful. I need to spend some quality time with Shane, take better care of myself, and to pull myself back together. Try, try again. __________________________________ August 3, 2011, Morning: Made it through a tough night. Wicked allergies and sleepless. Just thought I would add this for fun. I cut it out of a book I have on Art and Anatomy, and am going to put it in a small frame. How I would love to have the ability to sculpt such faces in clay, and people in general. If I had the money, I would set up my own pottery studio. (One of my dreams I guess.) But I'll have to try and do it without a credit card of course, since I have no credit. I Love clay, and juggling, and the banjo, more than even literature I sometimes think. I was going to add a caption with names for the faces, like Mick Jagger to the guy screaming and with the tongue. But I won't.  And one more bit: Speaking of Da Vinci's fanciful foreshadowing of Mick Jagger in the pic above, here is the song "Counterfeit" at Woodstock 99. I was glad the kids burned Woodstock down in 99, and again, in a fancifulirrational way, it seemed to express the contempt that we all now feel for the Hippies and Mick Jagger and the greatest legacy of that generation: Usury. It is also contemptuous how all the Tax and Spend Liberal Academic Professors stood by and accepted the plundering of the taxpayer and collected their Student Loan based Government handouts for their comfortable lives, witchcraft scholarship and later pensions. What Hippiecrites they all are. And now they are all old, and fond and foolish. All that is just another thread running through my blog, as is the Ann Coulter thread, and others. I'm sick of you too Neil Young. (He's Corporate, and Fucking Rich) And the Monkey guy is looking at you, all you hippies, and will always haunt you for the rest of your days. As the man says @ 1:30, "I'm sick of you too!" (I'll have to overlook the tattoos :) Woodstock 99. Jocks Rule! Burn the place down and drive that generation, including Mick and Ozszy, and Neil Young back into the Pandora's Box they came from.
The above is all satire by the way. Maybe. Tee Hee :) |
