Don't expect to get your 'Economic Stimulus' from the Feds if you're student loan is in default with Fed ED. I got a letter from IRS saying it would be coming June 26, 2008, but then a few days later I got another letter from Dept. of Treasury, 'Financial Mgmt. Services' telling me they have absconded with my $300 by sending it to the Dept of Ed.

Original loan was just $11,000 and put on hiatus for the full 2 years after getting a Master's degree in '88 from too little work at too little pay. Left NY to return to Las Vegas but still could only get low life telemarketing jobs w/an MBA that paid at best a few bucks more than minimum wage. By 1995, NYS Higher Ed had taken me to court, but I never received, or was never personally served a summons, or had any prior knowledge of court case XX-X-XXXXX-X filed on 04/10/1995 by Plaintiff ‘New York Higher Education Services’, represented by plaintiff’s legal firm, Screwu and Howe, and presided over in Dept. 4 by Judge Jack Ass Joker [From BLACKSTONE].

From that point the original loan of $11K more than quadrupled immediately in 1995. From that point on with that alleged $45,000 debt from an $11K, I vowed I'd never pay such an absurd predatory charges giving the Feds over 400% usury profit. These Fascist Feds, in trying to benefit from their Student Loan corporatism, now want to collect roughly a $74,000 usury profit off this original $11,000 loan backed by NYS Higher Education - earning a 773% profit in interest and fees.

Now it doesn't really matter if I even get a decent paying job because the crappy jobs I do manage to get I just end up quiting as soon as the Feds try to garnish my wages. I refuse to let those thieving crooks at Fed ED steal any more than a reasonable interest payment for an $11K loan. Charging 773% in fees and interest over the original loan is far from reasonable - especially when these same Fed Fascists burn up $18,600 of tax payer money every minute of every day to pay for an Iraq war repeatedly proven to have been based on LIES! Just 5 minutes of NO IRAQ WAR would pay off all my debt, including their 773% of fraudulent interest and fees!

Hi there folks. Adnihilo here again posting Part 1 of "How [Student Loan] Corporatism Ruined My Life" split into 4 parts with with the last part posted first to 'reverse the reverse blog order'. Meaning parts 2, 3 and 4 follow down below.

There's plenty of really sad accounts here of how many were conned by Student Loan Corporatism. The Student Loan extortion is an extreme example of one of the most severe and harmful acts of corporation found in America today. So this is my true story in a series of posts that I hope will provide you all some reliable info on what I've learned about corporatism and capitalism as it relates to student loan extortion and with how it exists today in America at the dawn of the 21st century....

How Corporatism Ruined My Life, Part 1
Conned by Corporatism

Using a core philosophy from the 3rd Reich called 'The Doctrine of Variable Worth', Corporate America, working hand in hand with the federal government, [corporatism] cast me out of 'normal' society as a pariah by denying me all rights to earn a liveable wage in 'their' corporatist created society. This 3rd Reich 'Doctrine of Variable Worth' used against me came in the form of covert credit record discrimination used by Corporate America in cahoots with the Feds.

Corporate America, with their appointed clowns in federal goverment, accomplished their feat of financial banishment solely on the basis of one outstanding debt in the form of a student loan from some of the most extreme acts of corporatism in US history. It was a debt incurred to become a 'Master' in what is otherwise known as an MBA degree for what has ironically become a phony US economic system incorrectly called Capitalism. Only now, after relating to and speaking with so many others experiencing the same sort of employment problems related to their student loans do I realize how credit record discrimination is being unjustly used to financially punish millions of more highly educated and trained citizens like myself.

Just before being denied procedural due process [never 'served' a court summons] in 1995 as a result of this student loan going into default, the $15K student debt on a $12K original student loan is 20% of today's alleged $75K amount owed almost exactly 11 years later. It is an alleged present day debt that has increased 500% since 1995 alone when the debt amount tripled to $45K as a direct result from this denial of procedural due process.

Corporate America and the US Federal Government working together increased the size of my student loan 500% in 11 years after denying me any procedural due process. In refusing to accept their extortionist terms, together they further denied me all reasonable rights to earn a 'liveable' wage for the last 15 years now through unjust, biased credit report discrimination soley based on their extortion claiming I now owe them over $75K increased 650% in 17 years on a $12 original student loan debt. So with these preliminary statements of fact out of the way, to understand my story of financial banishment from society and resulting indentured servitude to Student Loan Corporatism, the reader first must better comprehend what American corporatism and capitalism actually is in the 21st century.

Understanding 21st Century Corporatism

Historically speaking, Mussolini's classic syndicalist form of corporatism was the inspiration behind and somewhat synonymous with the term Totalitarian, and described distinctly as something without coercion in the 1932 Doctrine of Fascism. However today's American version of Corporatism is of a typology emphasizing the role of business corporations in government decision-making at the expense of the public at large. According to various political economists, corporatism was and still is an attempt to create a "modern" day version of feudalism, also called 'Neofeudalism', from merging "corporate" interests with those of the state at the expense of its citizens.

Even Adam Smith, the founding father of Capitalism, expressed fears in 'Wealth of Nations' that his new theoretical economic model for an updated version of mercantilism would not work in the real world. He feared that it fostered too much wealth into the hands of too few individuals. Regardless, the founders of America chose capitalism as the representative economic model for their new democracy, even though the American revolution was partially a revolt against European feudalism. As we can easily see in America today, Adam Smith's worst fears for his theoretical capitalist model of revised mercantilism have come to fruition. The financial wealth of the top 1 percent of American households now exceeds the combined wealth of the bottom 95 percent. 21st century American Corporatism, or 'Neofeudalism', is the direct result of this present day 1% plutocracy.

The world's largest multinational corporations from America widely and successfully influence US legislation through lobbying. Too lobby is to gain political or economic favors. How are these favors typically gained? Directly from covert bribes and overt payoffs by lobbyists to US legislators. Convicted felon and former GOP Rep. 'Duke' Cunningham is a classic example of taking bribes from the military-industrial complex. As most of us have come to learn, perhaps predominantly from Alan's commendable research work at Student Loan Justice, vast personal fortunes have been made by the astounding avarice directly stemming from the Sallie Mae lobbying machine bribing relevant US legislators.

Since George W. Bush was 'appointed' president, the number of registered lobbyists in DC, the most reliable index available to identify the sale of government policy to Corporate America, has increased 100%. Perhaps illustrating it doesn't really matter if its DemAgogs or RepublicaNazis controlling the political machinery, the Higher Education Act, likely the most extreme example of corporatism in US history, was amended and passed during the Clinton Administration in 1997.

Relating Corporatism to Capitalist Class Inequality

Most student loan victims of corporatist extortion already know of the events briefly spelled out in the previous paragraph. However only a few seem to comprehend the extortion they're experiencing is a direct result of corporatism, and the outcome of a plutocratic society where the gap between the haves and the have-nots in terms of wealth is greater today than at any time since 1929. This level of class inequality is exactly why Adam Smith feared his theory of capitalism just would not work in the real world. Extreme hierarchical class disparity pervades all in our American capitalistic system just as Adam Smith predicted it would in his capitalist manifesto, 'Wealth of Nations'. Today, this inequality between predominantly only two primary hierarchical capitalist classes in US society is historically described as even more disparaging than Europe's feudal past of serfs and lords.

The Gini Coefficient is an indicator of income inequality. The higher the coefficient, the worse the disparity between income classes. Presently the Gini Coefficient for the US is listed as a country just above the extreme levels of class disparity in Argentina and Mexico and lags far behind all other 1st world or prosperous democracies. Both Argentina and Mexico are quite well known for their 3rd world income disparities. America's Gini Coefficient is even worse than Iran. The Gini Coefficient for the US has risen steadily since 1967 and at its present rate of increase, this coefficient in a mere 37 years will be equal to that of Mexico's in 2000. In a survey of industrialized nations, America is already 2nd only to Mexico for the percentage of its children living in poverty.

The hierarchical class system of capitalism is not all that complicated when breaking it down into its primary levels. As noted in a few paragraphs up, many reference America's two primary hierarchical classes in deregulated capitalism as 'the the haves and the have-nots'. However the realities of this two class system in a revised, updated economic model of mercantilism go much deeper than that.

Capitalist Haves & Have-Nots = Feudal Masters & Slaves

There are only three primary hierarchical classes in our deregulated US capitalistic-like system; Masters, Slaves, and Outlaws. The wealthiest 1% of Masters in US society own more wealth than: 1) All of the wealth of All of the Middle Class combined, plus; 2) ALL of the wealth of ALL of the lowest class, added to; 3) ALL of the wealth of the bottom HALF of the UPPER class [Feudalism aka American Capitalism].

You will always be in one of these hiearchial ‘classes’ until everyone in this country is not in any of these classes. Outlaws are really nothing more than Runaway Slaves working outside its capitalistic-like system. Most runaway slaves are 'forced' into this status by a system financially punishing them as a pariah by denying them any reasonable rights to a liveable income. Some capitalist slaves runaway, not because of any lazy work ethic, but to join other Outlaws in an underground economy that is more rewarding to and accepting of them than the Neofeudal economy created by American corporatism.

Outlaws are really just Runaway Slaves who engage in a barter and exchange system, or become involved in some endeavor deemed illegal by local, state or federal laws set up to protect and keep its feudal system of indentured servitude in America intact. Outlaws are rarely genuine criminals. Most do not exist outside what is called natural law, or the original US constitution that for the most part is no longer regarded as the law of the land by our government. The Feds began a process of reneging on that contract with US citizens almost as soon as it was signed.

So that really leaves only two hierarchical classes in alleged US capitalism that we all vacillate back and forth in to varying degrees of Master and Slave. They are poles on a continuum. It’s really a horizontal continuum, it just looks vertical. Appearances though are everything in this American class system. If it looks vertical, it may as well be, because we act in it like it is. That’s why vertebrates dress up and posture. We see what we look for. Class isn’t so much about how much money one has or makes, or even how it’s made. These two hierarchical classes are purely about dominance and submission. Most all of us in America submit fully by answering to someone while slaving at work in order to exist in life.

A class society is not really composed of classes though. Nor is a society composed of individuals. Society is composed of relationships. Relationships are made up of a series of interactions. There are only two fundamental kinds of interactions, consensual and nonconsensual. Talking on the phone is consensual. Receiving Telemarketing calls without permission is nonconsensual. Hiring on as a mercenary is consensual. Getting maimed or killed by a terrorist bomb is nonconsensual. So really society is made up of a series of consensual and nonconsensual interactions between its 'Master and slave' members.

3 Primary Commodities or Resources for Any Business

Dont' fret, there's some primary points I'll be making from all this, but first need to be sure the reader grasps the very basics of classical economics in Adam Smith's model of capitalism. This primary two level hierarchical class system of 'haves and have-nots', or Masters and Slaves, brings us to the three essential resources or 'commodities' for any business structure in capitalism, also called the factors of production.

Classical economics distinguishes these three factors of production as: 1] the physical, as in land or natural resources including soil and minerals used in the creation of products; 2] the financial, as in capital goods, or human-made goods like machinery, tools and buildings used in the production of other goods, and finally, the least relevant; 3] Labor, as in the efforts of human resources used in production which also includes technical and marketing expertise.

The payment for this labor is a wage exchanged for units of time in human effort based not on gold in America, but 'faith' in some imaginary SkyGod 'we trust'. An imaginary 'skygod' in any realistic sense that is represented by and as our Federal Government who prints its money based on nothing but 'faith' or trust in an imaginary skygod.

All literary rights reserved by the author, Adnihilo
All rights to extrapolation of article facts, and rational opinions, are not...

Adnihilo
About the Author
My 'Political Compass'
The Less Than Human Blog

Hi there folks. Adnihilo here again posting the 2nd of this 4 part series I call ""How [Student Loan] Corporatism Ruined My Life". Last part 4 posted first to reverse the reverse blog order allowing you to read it from part 1 on down to part 4....

How Corporatism Ruined My Life, Part 2
The Human Resource: Least Relevant Resource of all 3 in Capitalism

Now most readers already have come to realize they are merely a labor commodity as a 'human resource' in any work they perform as a US citizen under the guize of capitalism. Most of us also realize we do not exchange the products of our labor, but rather the labor itself for money. We sell ourselves for a given period of time, and in return for wages, promise to obey our pay masters.

Those who pay and give the orders, owners and managers, also known as Masters as recently as the 19th century in America, are at the top of this hierarchy and those who obey, the indentured servants, or wage slaves by any other name, are at the bottom. This of course leaves capitalism by its very nature as hierarchical, exploitative, and for the most part, oppressive.

This hierarchical control of wage labor has the effect of alienating workers from their own work, and so from themselves. Workers no longer govern themselves during work hours, so they are by any definition no longer free. Capitalism, by treating labor as analogous to any other commodity, or resource, denies it any key distinction between the financial and the physical resources; that is to say Human Resources are inseparability from its bearer. Labor, unlike other 'property', is endowed with will and agency.

The social relationship of wage labor, which is a very recent development, is then claimed by capitalists to be a source of 'freedom', whereas in fact it is a form of involuntary servitude. This is a ‘ploy’ by managers and owners, or 'Masters', to control their slaves to keep them from overthrowing the system. Labor is much more than the commodity to which capitalism tries to reduce it to. Creative, self-managed work is a source of pride and joy as part of what it means to be fully human. Wrenching control of work from the hands of the worker profoundly harms his or her mental and physical health.

With labor a commodity, and those exchanging their time in labor for money as literally indentured servants, American citizens are left with a money system that enslaves us all; unless you are fortunate enough to win the genetic wheel of fortune from being born independently wealthy into that top 1% class of 'Masters'. If you're still under the fading belief America is a society of meritocracy, the reality of this 1% statistic alone should quickly cure you of this 'conditioned' response. "A growing body of evidence suggests that the meritocratic ideal is in trouble in America" [Meritocracy in America:
Ever Higher Society, Ever Harder to Ascend, The Economist]. Class pervades all in this American capitalistic system that wouldn't work in the real world as Adam Smith, the founder and father of Capitalism, promised in his 'Wealth of Nations' capitalist manifesto.

Now the Masters and their HR monkeys fronting for them surely don't want the reader to realize they're a comodity due less relevance that the other 2 necessary commodities in any capitalist business. You’ll find them vehemently denying it. They’ll expect everyone to remain ’submissive’ and in their place as they’ve been programmed to remain from birth. To see this reality, if you haven't already, you'll really need to shake off all that conditioning, or programming received from birth. Otherwise you'll never come to the realization that your indentured slave servitude has imprisoned you within a vast paper prison of brainwashed, compulsive submission to authority. A blind submission to a 'designated' authority built around your cubicle jail cell virtually chaining you to your job.

This hierarchical control of wage labor alienating workers from their own work has left3 out of every 4 Americans hating their job. The fact is most companies in Corporate America are simply rotten places to work; mainly from being run by barely skilled sociopaths who've backstapped their way to the top only to force alienated worker bees to waste what limited time they have in life exchanging it for a paycheck that will never be big enough to lift them out of their indentured slave servitude.

What Price Will You Sell Your Life For?

The bottom line, or primary point made becomes: As long as labor is a commodity, time is a commodity. When time is a commodity, life itself becomes a commodity. Meaning simply yours, mine and most everyone’s life out there has a price. The price of life varies depending upon the highest hourly bid one can obtain for their life.

At what price will you sell your life for to exist in American society? Do you sell your life to the highest hourly bidding Master in a neofeudal, corporatist system of despotic dystopia in America? Of course you do. No one wants only a minimum wage bid on their life, but more and more American workers are forced to sell their lives as a cheap, 3rd world capitalist commodity. The working poor have become wage slaves to 2 and even 3 mind numbing monkey jobs just to make ends meet; just to exist in life with a bare minimum in food and shelter as the very real slaves they have become.

In the name of avarice and through this fascist philosophy called corporatism, our US government has been fully bribed by Corporate America to enact laws deregulating capitalism to such a degree, that it no longer really exists in the 21st century. American corporatism has fully reached it's primary goal of a "modern" day version of feudalism, or 'Neofeudalism', just as political economists have theorized.

The Student Loan Catch 22 Dilemma

Now we return to the acts of Corporatism in America rendering student loans to be the "most profitable, uncompetitive, oppressive, and predatory type of debt of any in the nation" since 1997. The Higher Education Act of 1997 was an extreme act of corporatism. It allowed for huge penalties and fees to be attached to defaulted student loan debts, took away bankruptcy protection for student borrowers, and dissallowed refinancing of the debt; all while providing for unheard of collection and punitive steps to be taken against student borrowers that includes, but is not limited to: wage garnishment, tax garnishment, withholding of professional certifications, termination from employment, and social security garnishment.

Before giving you 'my story' of personal enslavement by corporatism that I wrote specifically to send to 'Fed ED' [US Dept. of Education] after they notified me they were going to garnish the only 'visible' income I have from a sole part time seasonal job, I'll give the reader the crux of the Student Loan Catch 22 Dilemma now: I can't pay off this student loan debt if I can't get the decent paying job I was trained to do and I can't get that decent paying job I was trained to do until I pay off the student loan debt.

That last part of the preceeding Catch 22 dilemma stems directly from unrelated credit report discrimination unjustly imposing a 'Doctrine of Variable Human Worth' cited in the very first paragraph. The euphemistic Fair Credit Reporting Act [FCRA] was passed to regulate the use of personal information by private businesses, but instead the Fed government ended up giving Corporate America vast abilities to impose its 'Doctrine of Variable Worth' on an entire workforce from an invasion of every indentured servant's privacy.

Corporatism's Doctrine of Variable Worth

The FCRA gives Corporate America vast abilities to invade your privacy from a 'consumer report' that not only unfairly labels US workers as criminals from being unable to pay debts off on time, but denies them work to further financially punish and ostracize them from society. A job applicant is slandered as a thief by Corporate America coming to the absurd, unjust and irrational conclusion that a prospective employee will steal because they didn't pay off their debts on time. The background report from credit agencies is also called a "consumer report" that gives Corporate America Orwellian abilities to unjustly discriminate against every working American based on Credit History, Criminal History, Medical Records, Bankruptcies and Workers' compensation. A 'Consumer Report', or background check provides the data for Corporate America and Government to impose its 'Doctrine of Variable Worth' on every working American applying for a job position. It is their way to covertly slander and punish you till the day you die for alleged 'misdeeds' you may or may not of actually committed that are typically completely unrelated to job skills, abilities and/or performance.

The most recent change to the FCRA made criminal convictions to permanently remain on your 'consumer report' until the day you're maggot meat for the other parasites you'll encounter unless you're cremated. California provides almost the sole exception to the Feds giving Corporate America vast abilities to invade your privacy when applying for a job. Most states are more like Nevada where your criminal history or "rap sheet" compiled by local and state law enforcement agencies is public record and available to any prospective employer wanting it for a small fee.

Even though Corporate America tells you they won't hold an arrest you were never convicted of against you, don't believe it. Even when Corporate America tells you they won't consider any convictions over 5 or 7 years old as part of the pre-employment background report, don't believe them. They're lying. If it's there, they'll see it and they will use it against you. All criminal records, regardless if arrests or convictions, even a DUI, will remain on your 'rap sheet' until you make a rather immense time-resource investment to 'seal' them. Bankruptcies, Medical History and Workers' compensation are all public record. Even though employers aren't 'supposed' to use this public information against a job applicant in the 'pre-screening' process, they'll covertly fully use it to deny you a job. For example, instead of hiring a job applicant that collected workmen's comp from an injury on the job 10 years ago, a company can easily hire a candidate on a covert basis with no worker comp history that is less qualified while telling the other applicant they hired a more qualified applicant.

It's all part of the 'Human Rating Scale' imposed on each and every one of 'US' by organized systems in American society to determine your 'Variable Human Worth'. This core philosophy stemming from all 3 monotheist religions and adopted by the 3rd Reich called the 'Doctrine of Variable Human Worth' was originally coined by Dr. Albert Ellis, world renown psychotherapist, philosopher and 'non theist', to help his patients with self-esteem problems. It is a doctrine that has also been adopted by our unforgiving Corporatist society using it to rate just what it describes, our worth as a human being one.

The doctrine's 'Human Rating Scale' assigns each human act with a number value, and then applies some formula to arrive at a current rating. Adolph himself had his own scheme for rating human worth, and he applied it with vigor as a Corporatist America does today. He knew who the worthy and the unworthy were, adopting social policies that reflected his intense bigotry. It's rating scale typicially imposed on a subconscious level, but one most all members of society use to subjectively pass judgement on other members and groups in society. These subconscious 'human rating scales' form the very foundation of bigotry, racism and hate. Which of course is why the 'Doctrine of Variable Human Worth' originally finds its origins in monotheist societies.

All literary rights reserved by the author, Adnihilo
All rights to extrapolation of article facts, and rational opinions, are not...

Adnihilo
About the Author
My 'Political Compass'
The Less Than Human Blog

Adnihilo here again. "How [Student Loan] Corporatism Ruined My Life" is split into 4 parts posted with the last part posted first to 'reverse the reverse blog order'. Meaning you can read down for each consecutive parts 1, 2, 3, and 4.

How Corporatism Ruined My Life, Part 3
Wage Garnishment

I took out a student loan to further 'increase' my own variable human worth to Corporate America. Like anyone taking out a student loan, I only wanted to 'sell my time, hence my life' to Corporate America for more money as a human resource commodity. I wanted to provide Corporate America more 'bang for their buck' as their corporate whore from attaining an MBA. I really wanted a law degree, but 3 to 4 years for a Juris Doctorate would be far more expensive than the 1.5 to 2 years for the MBA. A degree at the time in the mid to late 80s that promised an average of $50K a year, or an hourly wage paying me about 10% of what a real life Las Vegas whore earned from an hour of 'work' at the time.

What follows is what I included in a 'Request for Hearing' citing my legal objections to the US 'Fed ED' who'd sent me a notice they were going to garnish of my pithy, part time, seasonal wages on July 20th, 2006. My objections were mostly based on the US Fed ED infringing on Nevada Revised Statutes [NRS law]. I had to do the legal research for the objections to their threatened wage garnishment myself because 'Heather' at the free Clark County Legal Service simply refused to help. The operator refused to put me through to anyone else telling me Heather alone 'handled' my sort of case. After a week of leaving a dozen polite voice mail messages to what was likely a Paralegal at Clark County Legal Service sounding all of 16, I never got a call back.

Aside from the 3 legal objections with the latter two appearing to be valid, I wanted to provide the Feds a little personal glimpse into the 'American Dream' I'd had that ended up in abject poverty as a direct result of their acts of student loan corporatism. It is likely, if my research is valid, that most any student loan borrower being threatened with wage garnishment on student loan in default for over 7 years can object using similar statutes from their state.

Perhaps 'real' lawyers out there can tell me if the last two objections based in NRS law are valid. Regardless, the names have been changed to protect both myself identified with the aka 'Adnihilo Admonisher', and government fascists or those working for them. Keep in mind while reading, at this 'stage of the game', I don't give a flying fuk what the jokers in government think about me. As 'V' expressed on V for Vendetta: "People should not be afraid of their governments. Governments should be afraid of their people." So here it is exactly as I sent it to the overpaid jokers representing our Federal Gov't at 'Fed ED'.

Objections to Garnishment
10. I believe that this debt [and/or its accompanying wage garnishment] is not an enforceable debt [or wage garnishment] in the amount stated for the following reasons:

The 'Fed ED' [US Dept. of Education] 'Request for Hearing' form specifies a potential to object based on the enforceable amount of the debt, but not a potential to object to the wage garnishment itself as not enforceable based on state and/or federal laws. Two objections of the three that follow cite NRS [Nevada Revised Statutes] code that 'Fed ED' [US Dept. of Education] infringes upon by garnishing the alleged debtor's disposable income from his sole, part time, and seasonal employer. Therefore, for the number 10 objection, 'and/or the accompanying wage garnishment' has been included in brackets after 'debt'.

As difficult as it will be, as the 'alleged' debtor, I will still attempt to be as succinct as possible. The first 3 Objection section headings accompanied by a heading entitled In Fair and Equitable Settlement will be the most relevant to you as a creditor. The personal information that follows the more relevant 'objections' may likely be considered superfluous to the Fed ED [US Dept. of Education]. However, I feel it is necessary information for you as a government agency 'owning' this alleged debt, to comprehend that this loan, back in 1995 just before being denied procedural due process, was approximately 20% of today's alleged amount owed almost exactly 11 years later. It is an alleged present day debt that has increased around 500% since 1995 when the dept amount tripled as a direct result from a denial of procedural due process.

You of course can choose to ignore these Pre-Existing Circumstances and Present-Day Circumstances sections following the 3 relevant objections that conclude with a fair and equitable settlement offer. These circumstance sections provide you a personal glimpse into my employment struggles and dismal poverty resulting from this one sole student loan; the devastating affects it has all had on the quality of my life; and how it all has so deeply affected my personal outlook and opinions toward obvious organizational system dysfunction and failure in America.

It is an outlook that is of course open to your rational interpretation, but one nonetheless that has been strongly influenced by 15 years of abject poverty directly caused by the failures and dysfunction of mutually supporting corporate and governmental systems. Failures from acts of corporatism caused by the avarice of government and corporate systems that together are at least equal to, if not more responsible for the resulting abject poverty in my life than any of my own personal failures.

Objection 1:
Enforceability of alleged debt: Denial of Procedural Due Process to alleged Debtor in 1995 for court case XX-X-XXXXX-X

NRS [Nevada Revised Statutes] Rules of Civil Procedure for Issuance of Summons:
"Upon the filing of the complaint, the clerk shall forthwith issue a summons and deliver it to the plaintiff or to the plaintiff's attorney, who shall be responsible for service of the summons and a copy of the complaint. This summons, along with the complaint, must then be served into the defendant's hands." A sheriff or marshal may deliver it, or a private process server may be hired. Bonding for process servers is not required by the state of Nevada. In some rare instances, it may be sufficient to mail the summons and complaint by certified or registered mail [As amended; effective February 11, 1986].

I never received, or was personally served a summons, or had any prior knowledge of court case XX-X-XXXXX-X filed on 04/10/1995 by Plaintiff 'New York Higher Education Services', represented by plaintiff's legal firm, Screwu and Howe, against Defendant Adnihilo Admonisher, and presided over in Dept. 4 by Judge Jack Ass Joker [From BLACKSTONE]. A Summons for this court case was not directly issued, delivered, or personally handed to myself as the alleged debtor by a process server, or through the mail, registered, certified or otherwise.

Then as now, there are 5 open unlocked mailboxes where USPS mail delivery often gets 'mixed up'. On occasion my own mail has been 'stolen' [and reported to police] for ID theft purposes in this neighborhood of almost all [but myself and my roommate] non-English speaking Hispanic immigrants, many of which I know to be 'illegal aliens'.

Even though 11 years ago, I specifically remember the shock I found myself in when receiving a letter warning a warrant would be issued for my arrest resulting from this civil court case I new nothing about. I was obviously quite shocked to learn I would be arrested unless I immediately contacted the plaintiff's legal firm of 'Screwu and Howe'.

This is a moment in time one does not forget. Also, because I was quite obviously upset about this matter, I specifically remember one sole comment made by plaintiff's attorney, 'Will Screwu' during an initial meeting [that was also recorded on audio tape by said attorney]. On expressing my shock about this lawsuit and court case missed and 'lost' from never getting a summons, I explicitly remember plaintiff's attorney, 'Will Screwu', rather callously verbalizing something about how I would be sure to open my mail from now on.

Procedural due process is based on the concept of "fundamental fairness". At a bare minimum, it includes an individual's constitutional right to be adequately notified of charges or proceedings involving him, and the opportunity to be heard at these proceedings. I was denied this right to procedural due process by the plaintiff through the plaintiff's attorney, 'Will Screwu', who failed to deliver a summons to my person with any level of 'fundamental fairness'.

Based on the plaintiff attorney's rather callous comment that I would be sure to open my mail from now on, it can only be construed that this summons might of been, if at all, forwarded by standard USPS mail. Even the simple fundamental fairness found in registering a mailed summons would require my signature, hence my resulting knowledge of impending court case XX-X-XXXXX-X.

Objection 2:
Enforceability of wage garnishment accompanying enforceability of alleged debt:

NRS 21.090 Property exempt from execution:
1. The following property is exempt from execution:
(g) "For any workweek, 75 percent of the disposable earnings of a judgment debtor during that week, or 50 times the minimum hourly wage prescribed by section 6(a)(1) of the federal Fair Labor Standards Act of 1938, 29 U.S.C. § 206(a)(1), and in effect at the time the earnings are payable, whichever is greater."

The creditor [US Dept. of ED] cannot take certain property related to basic needs. This property is called exempt property. Included in this list of property that is exempt under Nevada law (NRS 21.090) is: 75% of debtor's disposable earnings or 50 times the minimum hourly wage (currently $257.50 per week) in a workweek, whichever is higher. The whichever is higher rule of this Nevada Revised Statute has and will continue to render 'fifty (50) times the minimum wage', or $257.50 for any given workweek, the greater amount due to the nature of this job position as part time, seasonal employment.

The alleged undersigned debtor has never earned more than $257.50 in disposable income in any given workweek in the last 10 months since initially employed by this sole, part time, seasonal employer that 'Fed ED' threatens to garnish. The undersigned alleged debtor for the last 10 months has averaged only $73 per workweek in earned disposable income from this sole, part time, seasonal employment that 'Fed ED' threatens to garnish. 'Fed ED', armed with tax statements and earnings reports from the IRS, has knowingly set out to garnish the debtor's sole source of disposable income from a part time, seasonal job that would not only result in the most egregious levels of extreme financial hardships, but infringe upon NRS law 21.090.

Objection 3:
Enforceability of wage garnishment on judgment XX-X-XXXXX-X denying procedural due process no longer legally in effect according to NRS since 2001.

According to Washoe Legal Services, Washoe County, Nevada from Debt Collection, at page bottom under heading What if I am sued, citing NRS 11.190 Renewal of Judgment, Limitation of actions and NRS 17.214 Renewal of judgment: "Once a judgment is taken, a creditor may seek to obtain a garnishment of your wages or an execution on your property. A judgment remains in effect in Nevada for six years." http://www.washoelegalservices.org/debt.htm

This means, according to NRS 11.190 and NRS 17.214 law cited by Washoe County Nevada Legal Services, that the 1995 court case XX-X-XXXXX-X where alleged debtor was initially denied procedural due process [never received a summons], with a resulting judgment against alleged debtor by Judge Gerard J. Bongiovanni passed in Dept. 4, would not be in effect after 2001.

In Equitable and Fair Settlement

In accordance to what is just and right with what is equitable and fair, I, the alleged debtor, will make a one time offer to clear this debt as it existed in 1995 prior to procedural due process denied as specified in Objection 1 above. It is a fair and equitable offer rectifying a denial of due process that tripled the student loan due in 1995 to an amount allegedly 500% greater today, a mere 11 years later. An offer afforded to me by my parents, who are willing and able to take out a private loan to satisfy this debt in a manner that is equitable and fair for all parties involved.

I, Adnihilo Admonisher, offer full payment of the student loan in the amount as it existed just prior to this denial of procedural due process by NY State Higher Education Services in court case XX-X-XXXXX-X filed on 04/10/1995. Actual amount offered will be specified pending receipt of all documentation from the US Department of Education and an acceptance of aforementioned offer by US Department of Education.

Pre-Existing Circumstances

With a BS in Hotel from UNLV, I ended up as a center station main casino bartender in 1984 for a huge mega-resort hotel casino in Reno, Nevada. Tokes, or tips, provided a larger net income than most middle management positions for a 40 hour workweek. At least front of the house tipping positions used to until 1984 when the IRS unjustly forced hotel casinos to levy an 8% income tax on millions of dollars of yearly mega-resort beverage sales proportionally split up amongst beverage employees for automatic deduction from our paychecks.

The following excerpt out of my life as an indentured wage slave is given only to illustrate the inhuman callousness and outright disregard for life Corporate America provided to myself and a loved one. A backdrop providing the later primary reason I felt an absolute need to help develop both the business organization and those that served it as employees. An ex-wife I'd divorced only months earlier, a former pit cocktail waitress for the same mega-resort I worked at, succumbed to a suicide attempt. Found up in the mountains barely clinging to life, she was rushed to emergency. The hospital called about 5pm thinking I was still married to her and told me I needed to come to the emergency room immediately because they didn't think she'd survive this most recent suicide attempt. I was told she'd lost the 'will to live' and perhaps my presence might help to motivate her.

So I called the Assistant Beverage Manager telling him why I couldn't make it to work for my 6pm shift. He told me I needed to come to work anyways. I pleaded with him telling him my ex-wife's life is at stake. He replied by essentially threatening that I may not have a job if I didn't show up for my shift at 6pm. Realize now that I was divorced, I also was solely responsible for the bills including large monthly mortgage payments. So I went in to work literally crying at my center station behind the main casino bar until the other bartenders next to me pleaded with management to let me go to the hospital. My ex-wife had meanwhile died succumbing to her drug overdose. She'd literally burned from the inside out. To this day, I place half the blame for her death on this Mega Resort Hotel Casino. The doctors and nurses said if I'd been with her, just holding her hand at that crucial time, instead of being forced to go to work on being threatened with my job, I may of been enough of a motivating force to instill within her the will to live.

My rage at management buried itself deep within me as I continued to work there a few more months. Fellow bartenders told me my personality expressed this rage in my face by going from the jovial, smiling bartender I once was to the very quiet, more intense, stern face I presented to the public. Meanwhile, without their employees knowing, this mega-resort I worked for had been planning to sell their property to a well known, world wide hotel corporation. They started 'wrongly' terminating a string of bartenders like myself who'd worked their since opening day 6 years previously. The new corporate owners obviously wanted to start fresh with a 'new' and likely younger work force.

Out of 100 or so original, opening bartenders, there were only 3 of us still working there after 6 years. Suddenly after never stealing a dime from this mega-resort in the entire 6 years working there, I found myself terminated for 'stealing' in collusion with a cocktail server I barely even knew. Just like a half a dozen other bartenders over the last few months that had been 'reinstated' after being wrongly terminated for the same reason, I too hired a labor attorney. He also told me I could get my job back before the unemployment hearing. I told him thanks but no thanks. Just get it documented that I was wrongly terminated so I can collect the unemployment.

Disenchanted with casino work and its lifestyle after over a decade in it, I sold what I had and returned back east to New York in 1985. There, after much career testing, I developed a goal to work in the training and development industry and possibly apply this career goal to the hospitality industry. For obvious reasons, I strongly felt a desire to instill a sense of respect for the human resources the Hotel Casino Industry was so obviously seen as abusing. I had read the average pay for someone with an MBA back then was about $50,000 a year. So starting in 1986, I struggled as a mid-life student in an MBA program specializing in Organizational, Career and Human Resource Development that resulted in a significant loss of income from working only part time to attend a very expensive private University on a full time basis.

Unfortunately the only job I could obtain in New York after attaining this Master's degree in May, 1988 was a full time 'permanent temporary' position through a so called 'temp to perm agency' assigning me to Eastman Kodak at only $7.00/hour. An income so low in a high tax burdened state like New York, that even without a family to support, there was still nothing left after basic living expenses and a high car payment I had incurred. A high car payment I had wrongly assumed I could easily make regardless of any degrees from obtaining at least an average income that never came to fruition from living in such an economically depressed area of New York. The $12,000 loan was put on deferment for the maximum 2 years of time from 1988 to 1990.

After almot 2 years with the student loan on deferment, in December of 1990, I witnessed growing numbers of full time Kodak employees laid off and replaced at half the hourly wage by permanent temporary workers from 'temp to perm' agencies like myself. I came to realize Kodak management would never put me into a permanent 'hired' status within the company as they'd repeatedly promised. At this time in 1990, the Las Vegas hospitality industry was experiencing some immense growth from some new and very large mega-resort hotel casinos slated for opening between 1990 and 1993.

With no money after basic living expenses from a dead end $7/hour job, my parents fronted me enough money to again head back to my adopted state for 15 years that I'd left only 5 years earlier. Student Loan deferments were over, but I thought for sure I had the background necessary from over a decade of past local hotel casino work experience, a BS in Hotel from UNLV, and now an MBA level post graduate business speciality degree in Organizational, Career and Human Resource Development that would, or at least should easily secure me a position in training and development within a new hotel casino's human resource department.

After applying to dozens of hotel casinos from 1991 to 1995, both new and old, I found they would not hire me in any position, much less one I'd worked so hard to obtain. This seemed quite odd considering there were no felonies then or now that would preclude me from employment at any Hotel Casino. It is a job application process, even in the early 1990s, that was as in-depth as any given government job.

Then I learned about something new the hotel casinos were doing in the application process that included credit checks as part of a standard background check. The Hotel Casino Industry was one of the first industries that were legally, or so they claimed, checking credit history [see very last sentence from this crap dealer] as part of the application process. Even though the positions I applied for had nothing to do money handling, this sole outstanding loan assumed by NY State Higher Education Services had been keeping me from achieving the goal I'd worked so hard at and given up so much for just to develop the business organization and it's more relevant commodities neglected of all three in its human resources.

During these years from 1991 to 1995 and after, I was relegated to desperate employment at one dead end 'telemarketing' sales job to the next after each employer would conveniently go out of business, leaving me to move on to the next. The Nevada telemarketing industry was, and still is for the most part, the lowest form of dishonest, unethical work one can imagine, but it was also the only work I could secure. I made barely enough money to pay basic living expenses keeping from going homeless.

The only goal I seemed to be allowed to reach by society's 'organized systems' in America was the one achieved by my own diligent efforts towards the Master's degree itself. With all hopes for even a reasonably successful life dashed, like most anyone in similar circumstances, I became quite emotionally depressed and distressed. It had become apparent that I'd been 'blackballed' by the Nevada Hotel Casino Industry, or by Corporate America unjustly denying me the right to work based on this one outstanding student loan, or by both.

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All rights to extrapolation of article facts, and rational opinions, are not...

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Adnihilo here. "How [Student Loan] Corporatism Ruined My Life" is split into 4 parts posted with part 4 posted first to 'reverse the reverse blog order'.

How Corporatism Ruined My Life, Part 4
Present-Day Circumstances

Since the Nevada Hotel Casino Industry, unlike the 1970s, was now a part of Corporate America, together they had cast me out of society as a pariah by denying me any basic human right to earn a decent living in a society that appeared to be more and more feudal than capitalist. Perhaps the saddest part of all this was that I really wasn't absolutely sure what my employment problems stemmed from for many years.

The job situation today is even worse for me than it was for throughout the last decade of the 20th century. A direct result of unjust, covert credit record discrimination levied against all my employment efforts by Corporate America working hand in hand with the federal government passing legislation to mutually benefit each other instead of its citizens [corporatism]. Now much older, I'm faced with age discrimination as well.

The pernicious nature of Corporate America's covert use of unrelated credit records as a form of unjust and biased employment discrimination is perhaps what is so really frustrating. Only now, after relating to and speaking with so many others experiencing the same sort of employment problems related to their student loans do I realize how credit record discrimination is being unjustly used to financially punish and cast me out of society as a pariah. After 1000s of resumes personally delivered, faxed, or emailed to predominantly local employers in the last 15 years, I've yet to secure full time employment in supposedly one of the hottest job markets in America.

I was selectively laid off from the last full time position I had at yet another telemarketing job in April of 2002. The term selectively is utilized because after a year at this company, they had finally come to realize I was the one who likely had something to do with all the local, state and federal investigations into their fraudulent business activities.

I'd finally become so disgusted and disillusioned by the sordid business practices of Las Vegas Telemarketing companies, I reported my last full time employer to the FBI. As a 'student loan' pariah in America, only the most fraudulent businesses in Corporate America hire me on a full time basis now. In 2001, in a meeting at the local FBI office here in Las Vegas, attended by an assistant Nevada Attorney General, a Postmaster General Assistant and a Secret Service agent, I outlined the rather elaborate method my employer used to fraudulently charge $4 million dollars each and every day from credit card accounts of Americans across the land. My more advanced computer skills had afforded me the ability to determine this daily amount from hacking into their private email. The method used to defraud these millions from credit cards was transparent.

When asked by a Federal District Court Judge and the Secret Service to testify against this company a few months after I'd been laid off, I of course agreed. However I also informed them they'd most likely waited far too long to get the wheels of justice rolling. I never did hear back from the Feds most assuredly because they had indeed waited over a year too long to act on the millions of dollars in fraudulent credit card charges made the year before at the expense of Americans across the United States.

This experience I had in attempting to help eliminate some very corrupt corporate criminals giving Las Vegas businesses such a negative connotation across the nation proved to be more ironic than it was affective. After a decade now of being treated as an unemployable criminal and cast out of society as a pariah by Corporate America on the basis of one sole outstanding student loan, it seemed all too evident the real criminals were found within this organizational system called Corporate America. To me, very real criminals in Corporate America had not only denied me any reasonable right to earn a decent, honest living, their partners in crime, state and federal government, had also denied me procedural due process and increased my alleged outstanding student loan debt about 400% in 7 short years.

During this same time period in the first few years of the 21st century, the news media was filled with examples of rampant systemic fraud in corporate giants like Enron, WorldCom and others working hand in hand with state and federal government agencies, on top of rampant, documented government election fraud. Government and corporate systems working together to financially defraud and harm US citizens. My own first hand experience trying to help eliminate some very serious corporate fraud stealing millions and millions of dollars from Americans across the nation only seemed to prove the US government was at best, intent on looking the other way.

Since this last full time job I was selectively laid off from in 2002, I've emailed, faxed or hand delivered 100s upon 100s of resumes in application to lower level, low paying repetitive jobs I could perform with 10% of my abilities as well as some higher level positions using skills I'd attained on my own after post-graduate school. Most frustrating is the temp to perm agency I swore I'd never go to again after being one of the many agency permanent temporaries replacing full time in-house employees that Eastman Kodak had laid off.

It became all too transparent that employment agencies like Manpower also do credit checks. After easily passing a battery of various aptitude and computer software tests on two long trips out to the agency, a Manpower agent raved about my advanced education [quite rare here] and how strong my background and skills were for the position in a company using Manpower as their hiring agent. She said I easily met all their requirements and would call me in 4 days on that next Monday morning. She flat out told I'd been hired for the position.

Unfortunately there was still plenty of time for Manpower to arm themselves with the unrelated, unjust, subjective records data that had been used for over a decade now to deny me most any right to even an average paying job in America. It was what I call a 'monkey job' through Manpower paying only $10/hour two years ago, or roughly only 60% of the average $17 hourly wage across America and within Nevada. This is an hourly wage that's really impossible to exist on in a place like Las Vegas. Unless of course one resides in the 200 square feet of retro-tenement squalor I've been forced to live in for the last 15 years as a result of unrelated job credit report discrimination resulting from this one student loan that increased about 500% in 11 short years.

I never heard from Manpower as they'd promised that Monday, or the next day or the day after. It was abundantly clear to me they were using credit records to discriminate against me in a position having absolutely nothing to do with money. However on seeing the same advert in the newspaper that week, making it all too obvious the position I was told I had was still available, I called Manpower to leave them with a few choice words about business etiquette.

At least the government is straight forward about their unjust, and unrelated, biased employment discrimination. A few months ago, I spent many hours writing some essays necessary to apply for a Training Specialist, Level I position with the Las Vegas Water Authority. Like most all government jobs, the pay far exceeded the private sector starting at $50K. After receiving email assuring me that my work experience and educational background was sufficient for their selection process, I just needed to wait a month or so for them to pick a few candidates for interviews.

With weeks for them to accumulate all the discriminatory data unrelated to the position, the city was at least honest about why I wasn't chosen as even an interview candidate. The Water Authority actually admitted in email that my background record would not allow them to hire me as an employee. The record they referred to couldn't of been of a criminal nature. I've never had a felony, nor was there anything whatsoever on the city's records about me for the last 7 years. Not even a driving infraction. I would think a city government would at least abide by federal law that restricts them from applying criminal records that are more than 7 years old in the pre-employment process. So the record the city had to be referring too was the credit report.

I could go on with many examples of how an unrelated poor credit report resulting from this sole student loan has been used in pre-employment to deny me a decent and honest living. The point being is that it's a catch 22 dilemma: I can't pay off this student loan debt if I can't get a decent paying job I was trained to do and I can't get that decent paying job I was trained to do until I pay off the student loan debt.

To date, and for almost a full half of a standard 40 year work life, this sole outstanding student loan today continues to force me to take the lowest paid, lowest level of dead end, repetitive, monkey jobs that I can possibly find. It's a catch 22 dilemma stemming from corporatism steeped in corporate and governmental hypocrisy and avarice. Two deplorable systems work together to affectively deny Americans like myself the right to earn a decent, and honest living due to outlandish student loan extortion resulting in the further use of unjust credit report discrimination unrelated to job duties or performance.

In attempting to improve my 'variable worth' to Corporate America from a level of formal education and training attained by only 6% of the vastly unskilled and less educated local Las Vegas work force, I've instead found myself facing greater poverty than the significantly large percentage here never even getting a high school education. As an American citizen, I've been ostracized much like an illegal alien is by society without 'papers'. I'll never be able to afford a family, much less enough of an income to attract a wife, or anything more than the bare necessities in life.

Student borrowers are kept from ever improving the quality of their lives by being denied a livable income unless agreeing to the extortion levied on them by acts of corporatism. By refusing to accept the unjust extortion denying me procedural due process that resulted in a tripling of my student loan at the stroke of a pen, I've affectively been banished by society's 'organizational systems'. It is a vicious and unrelenting circle of despair and abject poverty forcing millions of hard working, and more highly educated Americans into lives of indentured servitude as a direct result of the combined corporatist efforts of the US government and the Student Loan Industry.

For me, I feel there's really only a few choices open any longer: I can continue on with little or no chance of anything more out of life in America but the dismal poverty I've faced for the last 15 years spent in the 200 sq. feet splendor of American tenement squalor, or; I can leave this country my Merrick, Long Island Dutch progenitors settled just in time to help jump start the 1st American Revolution against the British for stealing their farm land, or finally, without any real intentions of being 'subversive'; Like my Dutch progenitors, I can remain here to help instigate a 2nd American Revolution against our present day oppressors of freedom and democracy, that by all accounts are far worse than the Brits were during colonial times. Unfortunately for me, I'm just too poor and perhaps too old now to pursue life, liberty and happiness in a more 'genuine' democracy that the CIA has yet to overthrow....

Addendum:

I sincerely do not expect a fair and partial 'written hearing' [or any sort of hearing] for a multitude of reasons. Primary reasons include, but are not limited to:

1) The same government agency that rules on my objections has a conflicted and vested interest in denying any claim I might have from being the very same creditor of the alleged debt owed;

2) Research on the net from web sites like John Dean's 'findlaw.com', Alan Collinge's studentloanjustice.com, and many more, leave me with the inevitable conclusion that I, like multitudes of 'student loan victims' of this most profitable, uncompetitive, oppressive, and predatory type of debt in America, will be denied any plea of financial hardship. Student Loan Victims articulating equally dismal, and some times worse abject poverty than my own, find themselves being routinely denied their pleas of financial hardship by the 'Fed ED'.

3) Documented facts exposed in US news media related to these acts of corporatism surrounding student loans that began in 1996. These facts expose a collusion of events between 'Fed ED' [US Dept. of Ed], Sallie Mae, and payoffs by their student loan corporate lobbyists and PACs to various concerned legislators who amended the Higher Education Act (HEA) to its present day unethical status. A status put by one Harvard law professor in a more correct light in: "Student-loan debt collectors have power that would make a mobster envious";

4) The draconian punishment and punitive measures against student borrowers passed by legislature is for the most part, unheard of in any other area of lending industry legislation. The extreme level of usury and financial extortion levied against student borrowers can easily be seen to be a direct result of Sallie Mae, with their lobbyists and PACs, funneling millions of dollars in payoffs to legislators. This severe form of punishment levied on student debtors from acts of corporatism by Sallie Mae, and the US government, both given a responsibility to protect students from such loan abuses, has instead been a result of legislation motivated by the fervor of greed by both parties involved. Rather than protect its citizens from predatory actions and extortion by private corporations, the US government instead took a course of action towards one of the most extreme examples of corporatism that today continues to force millions of Americans into lives of involuntary servitude, even in retirement, and until death.

Updates to Fed ED's attempts to garnish wages

After more than 5 weeks since sending in the 'Request for Hearing', I've still yet to hear back from the Fed ED jokers attempting to garnish my wages from a seasonal, part time job. However I did receive a letter from what's called a 'Junk Debt Buyer'. Learn more about 'JDB' [Junk Debt Buyers] by downloading this Junk Debt Buyer Consumer Alert Fact Sheet on a pdf file. There you'll see the company that contacted me called 'RJM Acquisitions and Funding' of Hauppauge, New York prominently listed.

RJM Acquisitions is listed as a top 10 Junk Debt Buyer [JDB]. "JDBs are a multi-billion dollar industry and are responsible for a large number of debt collection and credit reporting violations of law." At expert-credit-advice.com you'll find "Five Typical Junk Debt Buyer Violations".

At first I thought the Feds had 'sold' my alleged debt to this notoriously fraudulent company called RJM Acquisitions. I'd initially wrongly concluded the Feds had 'excepted' my 'fair and equitable' offer to settle above for an amount prior to denying me procedural due process mentioned above. RJM Acquisitions offered me a 1 time opportunity in the next 30 days to 'settle' the alleged original $12K student loan debt, now alleged by the Feds to be $75K, for a mere $5,000. Fortunately I did some research on these sleazy RJM scumbags first.

If they even purchased this $12K student loan debt trumped up to a ridiculous $75K by our government, RJM paid a penny or less on the dollar for it. Meaning they paid at most $750 for my 'out of statute' student loan debt they seek to make a 666% or over a $4000 profit on. That's if RJM even actually purchased this junk debt at all. RJM is a collection agency AND a junk debt buyer.

Junk Debt Buyers AND Collection Agencies like RJB are bottom feeding scumbags who typically lie about their alleged 'new ownership' of a junk debt by instead purchasing ONLY the 'out of statute' loan info from the loan owner [the Feds in this case], or simply by stealing the info from one of the 3 credit reporting agencies. I have little doubt Fed ED scumbags sold these RJM bottom feeders the 'out of statute' student loan info to 'trick' me into making one payment that in affect would put the loan 'back into statute' so they can again attempt to garnish my wages...

I sent the RJM Bottom Feeders a Debt Validation: The ultimate weapon against the collection agencies. Use the Debt Validation Letter to ward off these lowest of low Blook Suckers called Junk Debt Buyers. I don't expect I'll hear back from these Parasites bottom feeders about on par with our own government scumbags at Fed ED..

Fraudulent Companies like RJM, with a slew of 'rip off reports' at Rip Off Report.com, are the nefarious sort of bottom feeders and scumbags the Dept of Fed ED does business with in regards to 'student loans'. It's said 'you are who you hang with', making our Fed government functioning at the same fraudulent level as the sleazy, illegal business practices of parasites called Junk Dept Buyers.

All literary rights reserved by the author, Adnihilo
All rights to extrapolation of article facts, and rational opinions, are not...

Adnihilo
About the Author
My 'Political Compass'
The Less Than Human Blog