I’ve been getting non-stop calls from Core Recoveries about some old federal student loans. I know they’re a legit contractor for the Dept of Education, so I figured I had to just deal with it. But the calls are getting out of hand – multiple times a day, and the agent yesterday was really rude and threatening, saying they’d garnish my wages if I didn’t pay a lump sum I don’t have.

It’s scary because I know they actually can garnish wages without suing, unlike other debt collectors. But is this level of calling and threatening allowed? I found this article that says even federal collectors have to follow the law: https://protectionforconsumers.com/end-core-recoveries-debt-collection-harassment/

It mentions things like them needing to explain rehabilitation options and not being able to call outside certain hours. Has anyone here successfully gotten them to stop harassing them or negotiate a reasonable payment? I feel stuck and any advice would be great.