TODAY (SEPTEMBER 12, 2009) I RECEIVED A CALL FROM DIVERSIFIED COLLECTION SERVICES, INC. (TRACY HART) SHE INFORMED ME THAT SHE WAS CALLING TO COLLECT ON THE BALANCE OF MY STUDENT LOAN WHICH IS IN DEFAULT. WHEN I EXPLAINED MY FINANCIAL SITUATION, SHE INFORMED ME THAT MY INABILITY TO PAY WAS NO EXCUSE. THAT IF I DID NOT FIND THE FUNDS (WHICH INCLUDED A SUBSTANTIAL LUMP SUM AND A MONTHLY FEE), DIVERSIFIED COLLECTION SERVICES, INC. WOULD GARNISH MY UNEMPLOYMENT CHECKS. SHE WAS NOT INTERESTED IN HEARING OR NEGOTIATING AND REASONABLE PAYMENT PLAN... read full review »