What are the laws, if any, that pertain to a creditors collection activity? My husband and I both started at DeVry last summer. Right away it became obvious that we could not both attend school at the same time. I called several times, and sent several emails asking how to withdraw, and stating that I needed to withdraw and did not know what to do. No one returned any of my calls or my emails. I had attended, I think, 3 weeks. At my orientation, it was stated that accelerated students had almost until the end of a term to withdraw without any penalty. In the fall I started receiving phone calls and letters demanding monthly payments on my account! I did not even know whether I had actually been withdrawn. My husband has had so many problems there that I made a joke of it. I told the collection rep that I did not owe any money, and I would be handling the problem here at the school where the problem occurred. If they had returned my calls and told me that I would owe money if I left at that point, I would not have done it. Now I receiving threatening letters (if I don't hear from you in 48 hours, I will place this account with a collectio agency and on your credit report) and more nasty phone calls. Today the collection person from Chicago called the school here and told them to take my husband payment for last month out of his account and apply is to my account! (they didn't). Is there anything I can do? Are there any laws for schools, or original creditors? For instance, can I send them a cease and desist letter of some sort? Any advise would be appreciated...I am furious with them. They have now lost the 40,000 they were going to get for my tuition!
