100 Everett Ave Ste 6, Chelsea, MA | Directions 0215042.394326 -71.039293
they cant just take your money like they do. – Talk to some mean chick name Dawn i think anway. she was a real ---------. She sounded black dont knw about that. who cares this place is a joke. Wish some of the crazy people out there, that do bad things would walk into ths place. Took care of my debt with the people i owed it to f-these people.
!!!CUSTOMER SERVICE??? – I'm sorry; to all of these people saying that their "customer service" was wrong. What do you expect??? This is not customer service! This is debt collection! These people work hard everyday to help you avoid potentials that may come to be! If you are rude in the first place then expect the same attitude back. Customer service has no roll in a contract that you signed for money you refuse to pay back. That money you refuse to pay back is keeping another individual from getting aid to go to school!
I can't believe this place is still in business – This company was not only unbelievably rude and unprofessional, they were downright combative. When I called them about what I believed was a discrepancy between a bill they had sent me and what I really owed, the woman started yelling at me.
I contacted the school I originally had the loan with and it turned out the balance Delta had given me was over $900 more than what I actually owed!
I paid the loan in full but a year and a half later I received another letter from Delta claiming I still owed money.
Again I contacted the school. They claimed that they were no longer doing business with Delta and when they looked into the matter, they found that my loan was paid off!
Be very careful if you're dealing with this company and be sure to keep you're own records.
undecided – The lady who worked with me was very nice, though I didnt agree with her trying to get to personal with my life. Their service should be maintained on a proffesional level and not try to get to personal. She was great with working out the payment details. However, she asked for a large payment at first to pay off the "interest'. At first I didnt think anything of it. But now I am hearing that collection copanies cant ask for 'down payments' like that, so I am going to research it and find out if it is against the law for her to ask that of me.
But, all in all, she worked around my abilities to pay what I can. She was nice and not at all rude. I dont like the fact that I am not getting any statements from them. So I have to call and find out why not and to make sure I DO get statement from them. I have proof from my credit card statement showing I made the payment but I want documentation from them as well.
A General Review of the Negative Comments – First of all, your bound by contract with whichever company or esp. if a federal loan, to provide them with current info about your place of employment, contact numbers, references, income, etc. You signed a contract and you agreed to keep them informed with the current details. So why the complaint about something you signed for?
Second, if it's really everyday, call and ask for a manager since contacts (messages left and verbal contacts - no your phone ringing) can be no more than twice in a week at home and once a week at work (In MA - your state laws may vary).
Why are the calls harassing? Because they're calling you to pay your debt that you owe or another reason. They record all lines and hold the recordings, so if they're breaking the law contact your state's Atty General.
Also, have you explored the option of getting prepaid cards or opening a free checking? There are lots of places that do checking accounts with no chex systems or bureau reports. And what are you talking about "turn of century?" Delta accepts all major credit cards, checks over the phone, Western Unions, mail-in payments, money grams, and online payments. Plus, most collection agencies charge a fee for this; Delta does not.
You say that the calls are harassing, but don't state what was said that makes it harassing. A little clarity would be nice.
And finally, you're right, "nobody wants to owe anyone money," but Delta does work with people. Unfortunately, collection agencies can't give everyone the plan they want; the payment arrangements are determined by the client. With student loans, esp federal ones, there are very specific plans that cannot be deviated from.
Easy stuff. – They deffinetly called me a lot and I ignored it because I didn't know who it was. Well, when I finally answered it was a collection agency saying I had an outstanding balance that I compleatly forgot about. She was very kind, helpful and informative. All they wanted was to do their job which unfortunatly ment me spending money. Don't get mad at them for doing their job because you dont feel like spending your money. If they are rude that is one thing but dont get angry because you have to pay back money that you OWE.
Paying Back – At first I was extremely angry that a collection agency was calling me. How dare they call me and make my personal information public I thought !!!!!!!
Well, as it turned out it was'nt all bad...The "personal information" they had was provided to Delta by the college I owed the money to and Delta was trying to collect it on their behalf.
Delta Management was professional, direct and hate to say it "kind" in helping me with the many options to pay the money I owed to the college. I am now on payment arrangments and they call me once a month to remind me of my obligation. I welcome the friendly reminder.
Worked with me – I was contacted by Delta about a bill I owed last week. The rep was very professional and courteous. She helped me resolve my bill.
So rude – Ok, so I did owe the money to Charter One Bank. But only because I was never made aware that there would be a 72 Hour hold on all of my company paychecks. So it only took a month to have piled up over $200.00 in insufficient fund fees. So....Delta Management gets involved, I was called every other day for over 2 months by an automated recording. I made a cashiers check out for the total amount and sent it in. 3 days after sending payment I received yet ANOTHER phone call while I ws at work. The "representative" whom I spoke with was abrasive and rude, asking me when I was going to pay and how. So he started to rant about Citizens bank, and thats when I got into into his butt! If you knew what you were even calling about then you would know the debt is not for Citizens Bank, it was for Charter One and its been paid in full on this date and at this time! He got quiet and apologized for being rude, and that he would be sure that his manager would send me a notice of payoff. Which I have yet to receive, of course they can not email or fax anything over, it has to be by postal mail. They are definently trained to bark...they are rude and have little common sense.
garnishing my wages – I think the company did a good service for me, I admit like the rest of us we just ignore the letters and calls.
What I didn't realize is.....If you owe a Federal Student loan they can garnish your wages without going to court. I know this because after ignoring the calls my pay check got tagged. I then called my lawyer who said yes a federal debt gives them permission to garnish my check. They also per the contract can demand the balance as I defaulted. Hey, lets face it, as much as I hate getting the calls it really was my fault for not paying my bills.
I did call to try and work it out, and although they continue to garnish my check, they were very professional
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