You need to send them a certified, return receipt debt validation, cease and desist calling, or "not me" letter (think of it as the best $6.47 you ever invested). You also need to report them to the proper agencies to which I have provided links to. Then you need to go out and get a consumer lawyer to sue them on a contingency basis (no money out of your pocket) and let them pay you for the harassment. If everyone did these three things, these crooks would be bankrupt and we would all be the richer for it. Use these web sites to find an attorney in your state that will probably take the case on a contingency basis (no money out of your pocket up front): http://www.consumeradvocates.org/
http://www.consumeradvocates.org/find-an-atto ... tates_value=All
Web site with alleged contact info: http://windhampros.com/contact
BBB gives them an A+ with 73 complaints (including a pattern of complaints) and 2 negative review: http://www.bbb.org/concord/business-reviews/c ... alem-nh-9000510
Some really lackluster reviews and then they get to the nitty gritty:
http://www.glassdoor.com/Reviews/Windham-Professionals-Reviews-E29002.htm
Dept. of Education base contract and amendment:
https://studentaid.ed.gov/sa/sites/default/fi ... aseContract.pdf
https://studentaid.ed.gov/sa/sites/default/fi ... abComission.pdf
New Hampshire Dept. of State info:
________________________________________
Name Name Type
WINDHAM FINANCIAL PROFESSIONALS Legal
WINDHAM PROFESSIONALS, INC. Home State
________________________________________
Corporation - Foreign - Information
Business ID: 177694
Status: Good Standing
Entity Creation Date: 8/28/1992
State of Business.: MA
Principal Office Address: 380 MAIN STREET
SALEM NH 03079
Principal Mailing Address: 380 MAIN STREET
SALEM NH 03079
Last Annual Report Filed Date: 1/5/2015
Last Annual Report Filed: 2015
________________________________________
Registered Agent
Agent Name: Lawyers Incorporating Service
Office Address: 14 Centre Street
Concord NH 03301
Other complaints:
https://creditboards.com/forums/index.php?showtopic=17862
http://www.ripoffreport.com/r/WINDHAM-PROFESSIONALS/SALEM-New-Hampshire-03079/WINDHAM-PROFESSIONALS-Unprofessionalism-and-misformed-dealings-has-led-to-me-paying-out-m-435819
Looks like they have been sued a lot:
https://www.neb.uscourts.gov/sites/default/fi ... ,%202015%29.pdf
http://law.justia.com/cases/federal/district- ... 1005/521232/27/
https://dockets.justia.com/docket/california/casdce/3:2016cv00610/498322
https://casetext.com/case/caldwell-v-windham-professionals
https://www.gpo.gov/fdsys/granule/USCOURTS-mn ... 0_09-cv-00395-0
http://www.law360.com/cases/511aa723fc09a9258c000001
Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt. It also must contains “mini-Miranda” telling you that it is an attempt to collect a debt and that all information will be used for those purposes. The one other important thing that this letter must also have in it is that you have a right to dispute the debt within 30 days of receipt of the letter and if you do so, all collection activity must be stopped until the debt is verified.
Read up on your rights here, get template letters to send and also make a complaint at this government site: http://www.consumerfinance.gov/
Also file a complaint with your State Attorney General's office.
List of State AG’s offices: http://consumerfraudreporting.org/stateattorneygenerallist.php