
P.S. I have an extensive collection of photos, especially of sexy-smooth waxed, slim cubs. Come hang out at my place and peruse my pics.
xxxooo -- A Man
U.S. DEPARTMENT OF EDUCATION
November 18, 2010
The U.S. Department of Education now holds the defaulted student loan from Citibank NA SLC to attend University of Nevada, Reno for which you are responsible. The entire outstanding balance on this loan is now due. You will also be liable for the costs of collecting this loan. These charges can add substantially to the amount needed to satisfy your debt. (Actually, they've tripled it.)
The department wants you to know that paying your debt by a mutually agreeable installment plan may make your loan(s) eligible for loan rehabilitation or payoff through consolidation, which will remove your loan(s) from default status and may improve your credit rating, and will make you eligible for additional Title IV student financial assistance. (My loans were consolidated when Sallie Mae bought them from CitiBank Student Loans in July 2000).
To remedy your default status, you can pay the total amount due immediately (follow the instructions on the above coupon), or contact our customer service representative to enter into an acceptable repayment agreement or to find out additional information on the benefits of the department's loan "rehabilitation" programs. You may contact our customer service center at 1-800-***-****. (Where did I put that six-inch stack of 100-dollar bills?)
All of the department's repayment opportunities are designed to assist you in remedying your defaulted student loan status.
Failure on your part to repay your debt may result in the department moving against you with one or all of the following collection measures:To avoid our reporting this loan to the credit bureaus as in default, you have 60 days from the date of this letter to repay this loan in full, make satisfactory arrangements to repay and actually make the first payment under this arrangement, or to request an administrative review.
- We will report your default status to national credit reporting agencies; this may hurt your ability to obtain further credit. (Too late, Sallie Mae already has.)
- We can refer your debt to a collection agency, and charge you the costs incurred by the department in having that agency collect this debt. These costs are currently up to 25% of the principal and interest owed on your loan. The department applies any payments you make first to these costs, and then to your loan balance. This will increase the cost to you of paying off your loan by up to 25%.
- We can notify your employer to initiate wage garnishment; (Again, too late. Sallie Mae did that while I was making monthly payments to them.)
- We can refer your debt to the U.S. Attorney for litigation; (So they can ship me off to debtor's prison???)
- We can perform computer matches with other federal agencies to determine if you are a government employee or recipient of other federal aid for purposes of offsetting all or a percentage of these funds; (See? If I manage to land a government job, they'll take every dime I make.)
- We can refer your debt to the Department of Treasury for offset of federal funds due you (including your federal income tax refund). (Again, see what I mean? They have more power than the IRS.)
To request review, an explanation of this debt, copies of documents, or an opportunity to dispute this debt, you must send a written request to the following address: (Note: the Dept may use a contractor to provide information, arrange repayment terms and process payments.)
U.S. Department of Education
PO Box ----
Greenville, TX 75403
Sincerely,
Dwight Vigna
Any time a group of 40-year-old skater dudes support a cause that appears vaguely feminist; I get worried.
At first glance women's roller derby, eagerly goofed on in the Drew Barrymore flick, Whip It, seems like an empowering phenom. Women strap on 70's-style roller skates, and skate around in a big circle over and over again apparently with the goal of out-circling each other (I'm guessing). Occasionally they seriously hurt each other with the kind of blows to the head that would get an NHL player benched for a year.