Pioneer Credit Recovery claims to be associated with Direct Loans and the US Dept. of Education. They have been harassing me for at least 3 months on old defaulted student loans from 2004. They are claiming they can garnish my wages, or my tax refunds if money isn't handed over immediately. All they seem to be interested in is getting my checking account information so they can enroll me in a 'debt rehabilitation program' where they would automatically pull $97 a month from my checking account every month for a minimum of nine... read full review »