For the majority, a borrower counselor’s (Collectors) high demand job is nowhere close to being easy. The exact opposite of success is the chopping block. Those that were not innovative enough ended up going straight to the unemployment office with their heads chopped off. All it took was a silver tongue to have job security. A superb talker in this business will receive a reoccurring merit, a four figured merit to be exact.

The Department of Ed’s collection contract is the most lucrative contract in the debt recovery business. A year into it and I felt like a whale in this vast ocean of debts, scooping these little plankton’s, I call debtors. As long as the treasury reports provided me with the POEs (place of employments) I could fish my way into my own financial freedom.

Mr. Keys Notes: Department of Education is connected with the Treasury Department… this means, if you work… you MUST file a tax return. When you do file for taxes… the collection agency will be updated with your employers info.

This was an ordinary Monday. I came into work as my shift required me to at 7:00 am to “service” the east-coast. Today was Monday, a day used to set my pace for the week. My motivation was to out produce any foe that sat beside me. Today on my plate, laid a Postal worker, a man who had dedicated almost 2 decades into what he was doing. I knew he was a Federal worker, but I inherited this account from my cubical neighbor. She gets turned off, when working with these Federal workers (I will explain later in the story).

Mike Quota the post man is a family man, with a stay-at-home wife, and 4 kids. I engaged my hunt by contacting his wife. In most states it is okay to contact the spouse regarding these types of matters. I delivered the cheerless news of the garnishment to the person closest to him. By setting the tone with his wife, I was able to get the husband to call me back to discuss this matter.

Mike Quota a soft spoken man in his 50’s was fed up with this student loan dangling over him. I gave him my soft threats, and cushioned the blows with some comfort words. I used words such as help, assist, and support. As a borrower counselor the most money making role is to play the role of the “helping counselor”. I usually carried on in a calm, friendly, and attentive manner. After getting through calming him and jotting down his financial information, I placed him on hold. I placed him on pause, and he most likely believed that I was checking his options.

The debtors may have believed it, but I felt like a car sales man drinking a coffee in the back office, trying to get you a “better deal”. I came back from hold and smashed Mike Quota with a surprising 15% down payment of this loan balance. It was almost $5,400.00 and he was obliged to pay this by the end of this month. I went back and forth with him for an hour, and he ended up placing a credit card on file.

Mr. Kay’s Notes: The down payment was something unnecessary which I had the option of eliminating.

I had forced him to borrow money from his retirement funds. In one swift motion, with one single account I was able to obtain the money I needed to hit my monthly quota. Although I could have placed Mr. Quota on a minimum payment without this hefty down payment, I knew that it was up to my discretion. The interesting twist to this story is that, Federal employees cannot be garnished by a collection agency.
Come to think of it now, my hungry spirit truly hurt people, real people that had their bills, families and obligations. I had bullied people from Alaska to Puerto Rico, delivering devastating news to people through the phone system. Till this day, I feel so terrible.  I will spend my days trying to make things right.

Sincerely,

Mr. Kay Production Manager

Rogue Student Loan Collector

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Why should you listen to me?

Why am I releasing this information?