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.

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