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  • April 24, 2019, 05:59:08 AM

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Student Loan Scams / Re: Documents Done Right.. are they a scam?
« Last post by NeeP on April 20, 2019, 10:57:08 AM »
They are scam!

I'm NeeP, I'm moderator on the website which is there to share telephone scammer numbers and telemarketers and to expose various types of scams.
We have a whole thread about this company Documents Done Right and we know they are indeed scam!
People on our forum got cold-called by this company which itself is already a FTC and FCC violation but they even called people who did not even have student loans. After our forum people prank called them they emailed us and I got in touch with Mr Daniel Beltran ("coincidentally" the poster above me, trying to fake a review here) and in 1h tel call I had he explained how his company is just preparing documents and that they are different from the rest of the student loan scams and asked us to remove their telephone numbers. But as @carolinek83 already mentioned they offer forgiveness which is not possible and thus it's a scam.

We have found audio recs of agents clearly identifying themselves as DocumentsDoneRight and from the same caller IDs that Mr Daniel Beltran provided us and they also offered student loan forgiveness which is clearly illegal and meaning that they are indeed scam.

This user MrBeltran is clearly him and should be banned for misrepresenting himself as "customer". You can check his profile. 1 post only, no details or profile pic given. Last login only at that date to reply to this thread here. Clearly a puppet account.

For more info and detailed proof and screenshots of email conversations please check out our forum thread:

Thanks and hopefully I could save people from scam.

Moderator on
Ask a Question / Re: Is there relief for interest?
« Last post by TheCollegeInvestor on April 17, 2019, 09:03:37 AM »
No, there isn't. If you're on an income-driven plan and that's why your interest has been growing, you'll see any remaining balance forgiven after 25 years. So, you're coming up on that milestone and it will all disappear.
Ask a Question / Re: Social Security offset garnishing
« Last post by TheCollegeInvestor on April 17, 2019, 09:02:37 AM »
Yes, 15% is the most they can take of your Social Security, but other government payments are free game. For example, they can take 100% of your tax refund.

The offset will never make much impact on your loan debt, so you're usually worse off with the offset than rehabilitating your loans and getting on an income-driven repayment plan.

If Social Security is your only income, getting on ICR for your PLUS loan should make a big difference.  Read this:

Then read this:
Ask a Question / Social Security offset garnishing
« Last post by Terry101 on April 17, 2019, 07:32:21 AM »
I owe 200K Parent Plus Loans and am in default  15% of my SS income is being taken out each month.     Is that the maximum the govt can take out?  If I consolidate the payments would be 1000 more per month. Am I better off just letting the offset (439.00) per month be taken out? 
Ask a Question / Is there relief for interest?
« Last post by Arnewt01 on April 16, 2019, 07:53:33 AM »
I graduated from college in 2000. I borrowed $26,000. I have not been able to pay much towards my loans and now my balance is $70,000. My loans have accumulated $44,000 in interest!!! Is there any way to negotiate a pay-off amount to get relief from the accumulated interest?
Student Loan Scams / Re: Documents Done Right.. are they a scam?
« Last post by mrbeltran on April 16, 2019, 06:56:49 AM »
I recently got called too!!

Apparently they're a document preparation company. They don't offer anything except for documents. I wanted their services but I don't qualify since I only have $5,000 in loans..
They walked me through everything. They were explaining the programs the department of education already offers, but they offer to do the paperwork to get the best result.

Not a scam, it's kinda like taxes. You can do it on your own but if you want to get the most out of your program then definitely give them a call..
Student Loan Forgiveness / Re: Teacher Loan Forgiveness
« Last post by kpaulso on April 15, 2019, 09:48:16 AM »
 ;D Great news!  Thank you so much!
Student Loan Forgiveness / Re: Teacher Loan Forgiveness
« Last post by TheCollegeInvestor on April 14, 2019, 02:51:49 PM »
No, teacher loan forgiveness doesn't require direct loans or a certain repayment plan. In fact, Teacher Loan Forgiveness was started before direct student loans even existed.
Student Loan Forgiveness / Re: Teacher Loan Forgiveness
« Last post by kpaulso on April 13, 2019, 03:43:42 PM »
Thank you for your reply! 

You are correct, I have the acronyms mixed up. 

I had hoped to be on target for the loan forgiveness after 5 years.

So the Teacher Loan Forgiveness program doesn't require a 10yr term direct consolidated loan or specific repayment plans? 
General Discussion / Re: May be involved in a scam
« Last post by TheCollegeInvestor on April 13, 2019, 03:16:00 PM »
We don't help you decide on any type of service whether you should pay or not pay. But you might find this guide we created helpful in making your own decision:
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