RAB inc

Hi!
Welcome to the forums!

You should not have revealed your confidential information to the lady on the phone. Do you even have some documents regarding the monthly payment plan? Are you even sure that you owe money to them? By federal law, the collection agencies can't harass consumers on phone. So you can register a complaint against the company in FTC. Stop making further payments until you are sure that you really owe money to them.

What type of student loan is this?

the same thing happend to me. harrassing and rude. all i wanted to do was get on a payment plan. she even lied and told me that if i didnt make a payment right then and there and give her my card number ( that i didnt have at the time ) that she would no longer offer that particualar plan to me

Lot of collection agencies use this scare tactic to make the consumers pay money to them. Nest time they call you, inform them that you'll forced to register compliant against them if they continue to harass you. Never ever give your personal details to them over phone. If they are calling you regarding some debt, then ask them to validate it in writing.

There is nothing illegal about withdrawing an offer if you dont pay right then and there....a collector has that authority in a lot of cases. With a student loan case, they do not correspond in writing and there is a lot of information that is required. If you stop paying, and if this is a federal loan, they can and will garnish wages without going to court.