PCR tries all kinds of tactics illegally to contact you and to collect from you. You have rights as a consumer, not that you should not ever pay your bills, but you should not have to deal with the collection agencies. Google Bud Hibbs, his website has great information on what to do or what to expect even a copy of a cease communication letter. For "to Sylvia", it is unfortunate that they began to garnish your wages, but in order to legally do that you should have received a letter of intent directly from Depart of Education for your student loan and then they, not PCR will attempt to garnish wages w/o any response by you. I believe PCR will try on their own, and not sure if it is legal, to garnish your wages, and then it all depends on your employer as to what they themselves know is legal or not. The information for ED to collect is PCR does not act with integrity in contacting your or in it's communication. They even tried to call my parents and tell them it was an emergency for them to contact me. You have rights as a Borrower from the Dept. of Ed, but that doesn't mean you should shirk your duties to pay, just that you should not have to deal with the tactics or the harrassment of a collection agency. I do have to wonder why the government would use a business who actually practice illegally
 Mar 16th, 2009
I have been dealing with these peple for several years now, and they keep contacting me. I have NEVER had a student loan, and have verified with them that the ss# they have is not mine, but yet they keep sending me threatening letters. They are scumbags. What legal recourse do I have? I am 50 years old, work hard every day and unfortunately, could not afford to attend college, and I damn sure didn't get a student loan. I'm tired of dealing with this issue. I have asked them REPEATEDLY not to contact me anymore, but that has not happened. It's ignorant that some people assume that you are a deadbeat because of the actions of these people. Just a bunch of sheep...
 Jan 10th, 2009
Started out with the whole Call is being recorded, very quickly, mind you. Then asked if this was a company I worked a job with some years ago. She seemed cheery, but thinking back, sneaky. I told her I don't know where they are now. Then she said domething very peculiar: that she found my number on Craigslist, and that said company was using my number. I really didn't think anything of it at the time. Hope they leave me alone!
The only thing I can figure is the company used me as a reference without my knowledge?
 Dec 15th, 2008
I know some people that work for PCR, they are exactly what you think they are! Low life scumbags with no skills but being a thug over the phone.
PCR sux
 Oct 31st, 2008
stop blogging false info,
"Imply that failure to pay the debt could result in arrest, imprisonment, or garnishment of wages"
obviously the first part is right, but i owed this company money, for by student loans, i refused to pay as i am a single mother, then my last paycheck they garnished my wages now i have to pay out of my check and pay ontop of the garnishment for 9 months to get my garnishment to stop, so, thanks for your advise but get your shit straight.
to sylvia
 Apr 08th, 2008
If you owe student loans with the dept of edu--- expect to see this number they're contracted with the government for people to pay their loans :(
 Mar 14th, 2008
No caller ID info, left no message.
 Mar 11th, 2008
Under Provisions of Federal Law, The Fair Debt Collection Practices Act

It is Illegal for Debt Collectors to:

Imply that failure to pay the debt could result in arrest, imprisonment, or garnishment of wages;

Call consumers at work when they knew the consumers' employers prohibited such calls;

Talk with third parties, including neighbors, children, and employers, for purposes other than acquiring location information about consumers, without consumers' consent;

Cause the telephone to ring, or engage a person in telephone conversations, repeatedly or continuously, with the intent to annoy, abuse, or harass a consumer;

Threaten to take action -- such as filing a lawsuit -- when they did not intend to do so;

Call consumers at times or places that they knew or should have known were inconvenient;

Fail to notify consumers of their right to dispute and obtain verification of their debts, and to obtain the name of the original creditor

Continue to try to collect debts after consumers disputed them in writing, and before verifying the debts.

Use obscene or profane language
 Feb 27th, 2008
Ever wonder where drug addicts, prison parolees, and newly released mental patients go? They become debt collectors....oh.....that's why they're BRAIN DEAD DIRTBAGS!
 Feb 27th, 2008
Dealing with the agencies is easy. If for any reason the company continues to call you even after you tell them to stop. Don't bother with the FTC, FCC, Attorney General or whatever. Get a tape recorded Answer your phone when they call advise them you are recording the conversation so that is usable in court. If from that point they call just 1 more time. Contact an attorney and give him all the information you may have gathered about the company the recording of your conversation with the collector and your self and sue the living shit out of the company. The company will most times tell you that you can sue the collector them selves. But that is only for 1% of there total worth. When you can sue the company for 500,000 or more depends on your attorney. Google the FDCPA for clarification on those amounts.

WARNING. If you attempt to sue an Agencies and you do have a Student Loan. The loan doesn't disappear. It is transfered to another collection agency and then has more collection cost added. Some Agencies will settle for the value of your loan.

Fly On the Wall
 Nov 29th, 2007
For those of you that DO have Student Loans.
Federally Backed student loans go threw various steps in the collection Process.
1st the Original backer of the loan will call and advise you that you are headed into default.
2nd Once in Default your interest will build up DAILY and You will have "Collection Cost" added to your loans. The Current rate is around 21-23% review your promise notes from when you took the loan out.
3rd If no resolution is made on your loans after Various collection agencies Getting the Collection cost added each time it is transfered, the agency will attempt to garnish your wages. Considering this is a federally back loan it doesn't go to court it just starts. Once started the only ways to stop it is pay the loan off for the total amount owed, settle your loan, or make payments not including what you are already being garnished.
4th If after being garnished and having the IRS take you income tax returns, Your loan still isn't into a form of Voluntary resolution then you student loan may be placed into litigation by the US Department of Education. (Never got to that point). After which i don't know what will happen.
Fly On the Wall
 Nov 29th, 2007
As for Finding your numbers....Have you ever gone to the Mall and seen those contest to fill out you information and may be contacted if you win...Your a MORON if you file it out that is information gathering. Companies set that up for the purpose of getting your information and selling it to companies that in turn make HUGE Data bases for collections agencies to use to track (Skip) people down. WARNING!! If you have EVER given you phone number home or Cell alike out to anyone for anything it then becomes public information to be sold. When you get an "Unlisted" or "Non-Public" number with your phone company its is just between you and the phone company that it is listed as private. There are Data bases that list your personal Social Security Number (Not as Secret as you think it is). Your best defense against this kind of agency is to answer the phone call. Answer there questions honestly. If the call is not for you then at that point request no more calls. The people that work there are normal people just trying you earn a living as well. If you just answer them honestly then what reason would they have to make more calls to "annoy" you.
Fly On the Wall
 Nov 29th, 2007
PCR is owned and operated by Sallie Mae Corp.
If for any reason you have Sallie Mae, EdFund, United Student Aid Fund etc. on your Credit Report and is listed in Collections. Call Sallie Mae and check its status. To double check the status of you student loans call the Loan Locator Number 877-328-1565 to see where it is currently being held.
As for being asked for personal information. Most of which is who ever called you reading you last 4 digits, All you have to do is agree or disagree. They then may ask you to verify you Date of Birth by month and year. Document everything you are told by them All the information Everything.
Fly On the Wall
 Nov 29th, 2007
PCR phone call. Just want to comment that a few folks messaged that "we" owe a debt and to be responsible and pay it. I am very fortunate to have no overdue bills, no credit card balances, no mortage, no car payment. And i do not have, and never did have a student loan.
So, please do not assume folks are dodging debt. Somehow people get on a "list" and i have many on these agencies that call my number constantly asking for other people. And they continue to do so.....
 Nov 28th, 2007
Go to or better buisness bureau to check on company. Not this blog where all these people who dont pay there bills write about how they hate collection agencys. Pay your bills and we would not have this problem and our taxes would be a whole lot lower.
slm employee
 Nov 28th, 2007
The number 585-237-7099 called for Elija Hodges. Keep getting calls from a lot of people. My guess is that the people that are calling are collectors.
 Nov 16th, 2007
To make matters worse, this company dinged my credit report by making a hard inquiry.
 Oct 25th, 2007
Also-- I have never heard of anyone getting their paycheck garinsheed or garnished or whatever--
But, they will take it out of your tax return. I filled out papers for a medical exception and the bank my loan was at went bankrupt. I didn't hear another word from anyone and all my numbers for my loan mo longer worked. By the time I heard from anyone they had doubled my loan and started harassing me. A LOT. They never ever touched my wages, but they did take my income tax returns to pay for it. fortunately it didn't take long to get it paid off that way. Probably quicker than it would have me making payments.
 Oct 14th, 2007
I don't know who "a little bird' is -but I am guessing they work for a credit collector or are a skip tracer for one of these type of companies.

When you tell a debt collector to stop calling you and you write to them and tell them to stop mailing you-- they have to stop. Check the Attorney General's office in your state

If anyone asks you for ANY information over the telephone, you DO NOT -under ANY circumstances- have to answer any of their questions. Tell them not to call you ever again and hang up.

You also should never answer questions for anyone over the phone about someone else unless you know for a fact who you are talking to and why. Managers of apartment buildings and at work are not allowed (this is all by law)to give your information out to anyone without your permission or a signed letter/document.

I have been harassed over and over and over by collection/debt collection agencies so much over four! other people's bills! that I don't think I will EVER stop being angry over it.

Most of the problems are created by skip tracers or collection agents acting like skip tracers. They don't check the facts or even care if they are wrong.
And don't anyone dare tell me I am wrong. I call and tell them that they have the wrong number and they still keep calling or they resell the debt and I get the calling started all over again! Or they call me a liar!
 Oct 14th, 2007
 Sep 29th, 2007
to scott...
i hate scumbags like you who dont pay their bills
this is a federal debt you idiot
whether you get the calls to stop, the government will get their money
they will take your taxes or garnish your wages, and thats not the company thats the irs.
so you choose pay off the loans you took out or get the money you earn taken.
ps i dont like ur attitude
Bill Payer
 Sep 21st, 2007
Pioneer Credit Recovery (student loans). If you continue to receive unwanted calls from them, send a "certified" letter to their address (on their website)which clearly states that "pursuant to section 805(c) of the Fair Debt Collection Protection Act (FDCPA), you have been notified in writing via USPS certified mail that you may no longer attempt to make contact via telephone #______, or any other telephone #. If telephone contact is attempted again, I will take immediate legal action to see that PCR is penalized to the full extent allowed by fedeal law." Do not acknowledge any debt. If the calls persist beyond the date of official receipt of the letter, they can and will be heavily fined should you pursue it. Be sure to document any such calls. Good luck, I hate these scumbag, bully, predator types.
 Sep 21st, 2007
This is student loan collections
 Aug 15th, 2007
I went to the PCR website and found it blatently obvious that all of the articles about how "good" PCR is, and the "good work" they are doing, were written by someone from Sallie Mae. Sounds bogus to me about how much of a good and friendly company they are especially if they are working for Sallie Mae. Know your rights about Fair Debt Collection Practices
 Aug 10th, 2007
I get calls from this company all the time, have for 3 years every day at 8 am sharp. Lately, I've been bored and just play around with them. When its a female, I talk dirty. Usually they would just hang up, but this one lady actually got hot on this type of talk. At first, I figured she was playing around with me, but no, she actually was nutting in her panties, I could tell. Its actually been great phone sex for me lately, better than cyber!
 Aug 07th, 2007
These people have called my cell and my roommate's cell. I wonder if they call everybody associated with the address that they have.

It's ridiculous. They call us numerous times a day.
 Aug 03rd, 2007
Sorry to inform the PCR apologists out there (and I have no doubt they're plants), but this company asks for personal information, including SS# and DOB, while refusing to fully identify themselves. Further, the people who call do not have any information (or refuse to give it) regarding the exact amount of principal due, interst due, or how much of the obligation has been paid.

That is against the law, in addition to being silly. Should you really make an arangement to pay a debt to an organization without knowing exactly what you owe?

The reason they are reluctant to tell you what you owe is that they make their money from the float on the payment arrangements. It's like buying a car based on the monthly payments you'd like to make. I personly would rather that the collection agency not get one dime. We are all obligated to pay our loans back. We are not obligated to enrich third party vendors in the process.

My advice is, if you have an obligation, contact the creditor directly to satisfy them. No tears will be shed if the Collection Agency Business sails into the sunset. They have a long and and storied tradition of flirting with boundries of the law.

And if Sallie Mae is doing business with collection agencies, perhaps it's time Sallie Mae's charter is reviewed.
Aldo Rossi
 Jul 30th, 2007
Called and hangs up
 Jul 23rd, 2007
I hope PCR reviews this site from time to time because I want them to know they should stop calling my cell number (XXX-714-2920). I have no outstanding debts, I know it is them, and I will NEVER answer their calls!!! They are wasting their time and money calling me.
 Jul 16th, 2007
If PCR is calling and your not who they are looking for.. best bet is the numb you have has either been owned or used at one time or another by the person they are looking for. If they wont tell you why they are calling .. it's because due to the provacy and FDCPA laws agencies can not disclose any info to anyone other than who they are trying to contact.

If you owe money then that's probably why they are calling. If you don't and have the wrong numb just ask them to stop calling. ... sometimes the numb is listed in more than one database so it may take a week or so for them to fully remove the numb.

PCR is not a scam company they help people. f some people you get are rude... it's because they deal with nasty people all day. They don't know you are not any different.
 Jul 13th, 2007
Receive call today on my cell phone at 6:43pm EST. I tried to answer but they hung up. Now that I see who they are, I will put them in my do not answer profile on my caller ID.
 Jul 09th, 2007
This company has called me a couple times and called again at 7am this morning! I didn't get up in time to take the call, but did a *69 to look up the number and found this site. These folk keep calling me about someone else associated with an art guild I run. They're not calling for ME, but trying to weasel contact info out of me for this person. I Don't give it out, I just tell them I'll pass the message on that they're trying to get a hold of her and that should be the end of it. But still they persist!
Wrong number
 Jun 28th, 2007
This company ask for someone not associated with me. I told them to stop calling even calling them back to tell them. for the last 6 months I have received apox 100 calls. I just filed a complaint with the FTC
 Jun 22nd, 2007
I've gotten two phone calls from this number, both without leaving messages. Thank you everyone for leaving all of these posts. I think it's safe to say that this is a bogus scam and that you should not give any of your information to them.
 Jun 15th, 2007
If you get a call from this number, the most likely explanation is that you're in default on your student loans. I know - I got those calls, and for that reason. The person I spoke to was very nice, and a HUGE help in setting up a repayment plan. They usually don't leave messages, so your best bet is to call them back and get things straightened out.

Even after you're back in repayment, expect more calls from them. They make "courtesy calls" on occasion to let you know the status of your account. After months of dreading their calls, I've come to appreciate them because I know they're trying to let me know if a payment went through, etc.

Pioneer is not a scam company. They are contracted by the U.S. government as a student loan collection agency. Look it up! It's right on the gov't student loan site. If you're in default and Pioneer gets your case, be grateful, because there are several other companies the gov't uses and they may not be as good.
 Jun 13th, 2007
Now they are calling asking for my 8 year old daughter. I have contacted the national do not call registry and the local police. If they are a reputable company as someone said, why are they asking for my 8 year old daughter?!?!?!?!
 Jun 11th, 2007
receive calls from them regularily but dont generally answer.. they never leave a message. answered once when i was in the hospital and had all my calls forwarded to my room.. they were asking me questions they had no right to and when i said no.. they were rude and i hung up. they then called back and i stated i was in the hospital and had been here for the past month and to please leave me alone and hung up again. they then called again still harrasing me stating i owed them money and needed to pay today. I told them i was in the hospital and i dont know who you are looking for but it was not me and to stop calling and hung up... 2 hours later they called back. I had the nurse start screening my calls after that. This place is a bunch of bs... and does not do there job professionaly.
 Jun 08th, 2007
My experiences are similar to other's on this site. I have NO STUDENT LOANS, and NO OVERDUE BILLS. I am now going into round 3 with this company. This all started about 2 years ago. I have dealt with them twice and told them they have the wrong person. The calls stop, then after months start up again. I've had it with this company and am now fighting back. I urge everyone reading this to fight Pioneer Credit Recovery and report them to any government and private agency that will listen.
Tim in CA
 Jun 08th, 2007
I got this call today from a guy named Asheesh, talking about some defaulted student loan, and gave me this number to call him back: 866-439-1358. I'm really scared, I know for a fact I don't owe anything and haven't even asked for a student loan, ever.
 Jun 05th, 2007
This is a scam . They called for my son. Name of company is supposidly pcr . Do not give them any info such as ss# or dob's !!They are trying to make it out as if you student loan is in default when its not. Several students at my sons school have gotten these calls too ! Dont give them any info and tell them not to call back !
 May 31st, 2007
interesting info about "PCR".. click link:
 May 30th, 2007
"Christina" from 585-492-8199 called my company asking me if I have the contact info of a person in my "online networking" community ( as I have networked with many Real Estate Professionals on a certain web site comunity)

I politly asked if I could call her back since my phone needed to be charged. She said to call her back at: 1.800.243.0162. So, when I called.. I asked for "Christina".. and the lady asked which christina? I replied "I'm not sure as she called me" .. the lady said "oh..well whats your social?" ... I paused... and said... "you must be mistaken... Christina called me looking for someone else"... she said.."Oh, I'm sorry... let me connect you".....long story short... I told Christina I had no helpfull info... She said "well thanks anyway... by the way this call was recorded for quality-assurance"....
....When I got off the phone.. I though.......WHAT THE HELL WAS THAT? So, I googled the number.. and found this blog site. After reading some comments, I called this company right back..asking some of my own questions.. I got no where with that question..but I was sent to the manager .. and guess who it waqs!!?.. "Christina" again... So I told her to never call my company again, what so ever. ______________
Something needs to be done with this company.
 May 29th, 2007
Receive call most days at 8am, second call 5-10 minutes later, no message with another call late in afternoon and sometimes at night around 8pm. I have turned in a complaint to the NO CALL list site but keep getting these calls. VERY irritating.
Amber S
 May 25th, 2007
They are a collection agency. They collect on irs treasury sallie mae sears credit card and federally defaulted student loans...
 May 25th, 2007
Have no idea per this number on caller ID caling too many times without messsages. Googled about this mystery number. Glad Google had "WHO CALLED US WEB PAGE" info. No debt with them so I will make a complaint with the Federal Trade Commission per your suggestions/comments listed. Thanks for solving this irritating pest.
 May 24th, 2007
 May 16th, 2007
Asked for someone I did not recognize. Makes me wonder if someone is using my identity.
 May 12th, 2007
These people are real bastards.
Pioneer Credit Recovery, Inc. (PCR) called looking for my next door neighbor. Said they got my number from an Internet search. I told him he was full of shit; my telephone number is unlisted and NOT in Google either. I think they got my number from SallieMae files (two daughters in college now, with loans) and saw my address was next door to my neighbor.
 May 03rd, 2007
The msg they leave is by law the message they have to leave. so you tell me, how legal they are, do you think they like giving that message all the time? so how legal it is... very annoyingly legal, deal with it call it back
 Apr 27th, 2007
This company is ruthless they leave mess on mach that if your not so and so dont listen to mess ...the mess on your own phone.. then they continue to tell anyone listening that they are trying to collect a debt from so and legal is this?????
 Apr 26th, 2007
This company is legit and is owned by sallie mae, they ask to verify the last four digits not the whole thing and if you dont they ask for your DOB, they are defaulted student loans that you need to pay on or u get ur taxes taken by the irs, or ur wages get garnished, not cool, they are actually trying to help you, get into a federally backed program cld the rehab. program, so answer the phone pay your bills and shut up, because they are a good company trying to help you losers who dont pay for the education years after the fact you went.
Sallie Mae
 Apr 24th, 2007
agreed to pay pcr for student loan collections; they have received two payments and still continue to call and harrass me for more information...grrr if they receive their payments and cash them haven't they then contractually agreed that i owe them no more personal info?
 Apr 19th, 2007
They called my house looking for someone with my last name but no relation. WTF is that about?
 Apr 14th, 2007
It's interesting that "Bill" insists that a call from PCR means you owe an outstanding debt. This isn't true. I pay all my bills on time. I pay all my bills on time because I don't want to hear from collection agencies. Why, then, did they call my number? I haven't the slightest clue, and the last thing I want to do is talk to a collection agency when all my bills are dilligently paid on time. I suggest people who are in the same position as me contact the telephone company to lodge a complaint, along with the FCC and any other agencies listed on this board.
 Apr 13th, 2007
These people are out there. I told them that they had the wrong person. They had the wrong SS# and birth date for me. However, they kept calling and even called my work place several times a day.
My work doesn't allow personal phone calls, so after two weeks of these guys calling. I got fired.
Can we talk lawsuit here? I have a lawyer looking into the situation at this time.
 Apr 13th, 2007
IF SOMEONE FROM THIS NUMBER CALLED YOU - YOU OWE A DEBT!! Answer the phone and own up to your delinquency - Not a scam - an award winning collection agency
 Apr 13th, 2007
they call me saying that i have students loans and try to get info. they call a numerous amounts of times a day. this is clearly bs.
 Apr 12th, 2007
So if you want to know the names behind the company that's been harassing you, they are:
Darren Heimburg
Caryn Benton
Joan Ludwick
Harold Wickline
They are all employed by PCR in western new york state.
 Apr 11th, 2007
Here's what you do. Pioneer Credit Recovery is located in upstate New York. To lodge a complaint with the Better Business Bureau, simply to to this address:
 Apr 11th, 2007
Just called my personal cell phone #. I said hello, they hung up. I never had any student loans and don't know anyone who did.
 Apr 11th, 2007
Well maybe if you dead-beats would pay your bills and not default on things, then you wouldn't be getting all these calls.
 Apr 06th, 2007
Called looking for my neighbor "Diane"
 Apr 03rd, 2007
called and asked for "latisha" I told them they had the wrong number. The caller then asked if I knew "adam ????" I don't remember the last name.
 Mar 27th, 2007
they called my house, my work, and then left a message on my cell. I called them back and they wanted my bank account or credit card info, by the end of business today. When I told them they didn't have it with me, they wanted a family member to get the info. When I told them nobody had access, they hung up on me!
 Mar 23rd, 2007
Rec'd a "missed call" on my personal cell phone from 585-237-7099, but no voice mail msg. I googled it and found this site. I didn't call back as I don't have any business with this company.
 Mar 19th, 2007
Just got a call from this outfit but let it go to answer machine, they left no message - found this site by googling the number.
 Mar 12th, 2007
Just received a call @ 10:00am from 585-237-7099 this credit company is NOT on my credit report nor have I received any info for this company. They just called my cell, caller id stated New York, no message was left. DONT CALL MY PHONE!
 Mar 06th, 2007
8AM calls?
Don't know what these people want. I guess they are looking for someone else and don't listen to the name in the outgoing message.
 Mar 02nd, 2007
I have been receiving these calls non stop for the last few months, multiple times a day. Sometimes they left messages, other times they did not.
When I finally did pick up the phone, they refused to tell me who they were calling on behalf of and asked me to give my soc sec number. I refused to give as such. (Mind you, I had just gotten this phone number only a couple of days before they started calling.)
They asked me if my soc was such and such number, I said no. They asked what the last four were, I told them. I also told them that I was fed up with them calling my house multiple times a day without leaving any messages and that they needed to stop immediately as I was not the person that they were trying to reach and that it was harrasment. The person then said "we're trying to locate this person, is it possible that you have been a victim of identity theft?" at which point I said "Yes, it has been reported to the authorities and the credit burueas now please stop calling" and I hung up. I then called my phone company (verizon) and am paying the extra $6/mo for call intercept on my line. However, sometimes they use different numbers that are not programmed into my call intercept blocked numbers list and so the continuing of no messages left, or when they would leave a message it was very generic "we have a very important matter to discuss with you. Please call this toll free number and this extension" and then the message would repeat itself.
I hadn't heard anything from this company for weeks after I had the full conversation as detailed above until this morning.
 Mar 02nd, 2007
These idiots don't get that a typical common name may be listed a couple of thousand times here in the US. They hire cheap labor and make thousands of calls to the wrong people. I just got one. If I get anymore, I'll just file a complaint with the Federal Trade Commission, not the FCC the FTC. You can file on line.
 Feb 28th, 2007
this PCR company called me too. they call from all kinds of #s, another one is 888-216-0168. they are horrible and won't stop. you have to write them a letter to them and tell them not to call you. send it confirmation delivery, it costs 75 cents to do that plus a stamp. they cannot continue to call you when you tell them to stop. that is harassment. here is the address:
in fact send post cards and tell them to stop calling you, write them like 100 post cards from each person who they keep bothering. 26 Edward Street, Arcade NY 14009
 Feb 28th, 2007
They called me twice now on my cell! once from 585-492-8199 (that was today) and a few days ago from 585-237-7099. I have no credit issues so I assume they got the wrong number, but I had my sun answer the call today and all he heard was noises and tlaking in the back ground but nobody would answer his "hellos" whatever!
 Feb 26th, 2007
Stop calling me
 Feb 23rd, 2007
 Feb 10th, 2007
It's incredibly annoying they never leave messeges stating who they are, and why they are calling. It's flooding my caller Id and I would like it to stop!
 Feb 03rd, 2007
Just an FYI -

If you have defaulted student loans your wages can be garnished and your taxes can be offset by the IRS. It is a FEDERALLY defaulted debt.

If you have defaulted student loans your best bet is to speak with PCR and try to get into a voluntary arrangement. The reason they have your information is because they are contracted to.

And other than the initial letter, PCR is not required to send you any "bills". They are not a billing company and do not have to act as such.
Little Bird
 Jan 30th, 2007
This is a company that collects past due student loans.
 Jan 26th, 2007
they keep calling me regarding my student loans, however refuse to give me anything in writing that would inform me about who they are and who they are authorized by to call me.
 Jan 26th, 2007
My calls are coming from 800-459-1779. Got their number from dialing *69. They've called 3-4x's a day for about the last 2-3weeks(January 07). All they say is hello, before the answering machine actually picks up and then they hang up. 32746
 Jan 25th, 2007
If someone doesn't like you, they just turn your phone # into these weasles for harrassment.
 Jan 25th, 2007
They started calling today and have called 5 times so far leaving only one message on the machine with the last call. It is about debt collection though I don't know who I owe money to.
 Jan 24th, 2007
1) PCR - Pioneer Credit Recovery is a Debt Management Operation owned by Sallie Mae Corp. They have several clients such as EdFund, the California Department of Education, which services several student loans. They also handle other contracts. Pioneer Credit Recovery also has several contracts that are not related to student loans.

2) A call from a debt collector is not considered a solicitation, so it does not apply to the Do Not Call registry.

3) If a representative from this company is calling asking to "verify" your social security number then have them tell you the last 4 digits, and that is all. If the last four doesn't match and if "they" give you month and year of birth that is different from yours, then you are not who they are looking for. Just politely say 'no, that is not me' and 'please do not call me anymore'.

4) If all else fails just tell the representative "Do Not Call" and it is against PCR policy to call that number again in a debt collection attempt.

5) Your best bet is to just answer the phone and find if it is even you they are looking for. Depending on the situation, you may want to call the Department of Education to verify the loans are in their office. If that is the case just ask for the phone numbers and for the loan locater numbers. These numbers are considered tracking tools within the lenders, financiers, and collection agencies.
A litle bird
 Jan 21st, 2007
I believe this company uses student loan records as a means of marketing their refinance offers. I actually returned one of the first phone calls I ever got (these butt wipes even use your work information recorded on the student loan docs), spoke briefly with someone who told me he could get me a lower interest rate via consolidation. I told him I wasn't interested. I'm still getting LOTS of calls, and I owe them nothing. Student loan information has been compromised...
nobody special
 Jan 20th, 2007
2:49p call from PCR 585-237-7099.
Leave message on answering machine. She said she need to verify the reference I gave to someone. Ask to call 866-314-1498 ext. 77215, reference# 101811.
 Jan 16th, 2007
They call a little after 8 AM in the morning no matter what day it is. It was a man named Todd acting like he was calling for an interview. Now he's calling but not leaving a message. Feels fishy to me. I definitely won't give out any personal information.
 Jan 16th, 2007
Missed a call from this on number on my cell phone. phone went to message and all that was left was the sound of them hanging up. This happened @ 4:13 pm 1/10/2007.
 Jan 10th, 2007
they called asking for me by first and last name, saying that i was put as a reference for someone that i knew and never talked again to 6 years ago!! they also called my father looking for me???? why can't the law get rid of these scammers!
 Jan 09th, 2007
They called asking about my mom. Said she put me as a reference. She has no idea who they are says they've been calling neighbors. totally illegal!
 Jan 04th, 2007
These clowns won't even send an itemized statement or letter without you first providing a bank account number for the "Down Payment". Contact the U.S. Department of Education (If the collection attempt is for a student loan) They can get you the info to get out of "Default" and not require you to pay with a bank account number over the phone.
 Jan 04th, 2007
They just started calling. Their pitch was that my brother put me down as a reference. These people should be made to pay for bothering folks and lying about who they are.
 Jan 03rd, 2007
Received the call at 8:00pm.
Asking for my younger brother. I asked who I was talking to. She said her name was Chrisine or the like. I told her he did not live here and asked how she got my number. She said she was working for Pioneer. I said what is that a collection agency and she did not resond. I told her to take my phone number out of their database,that my brother is homeless and I don't know how to reach him.
 Dec 19th, 2006
Rep called identifying herself as someone checking job references for a friend of mine. It seemed suspicious when she asked me to provide his phone number to verify that I was a good reference. She would not advise the name of the company, since she did not want to influence my answers about him.
 Dec 19th, 2006
Have been called daily by this number suggest others look at this web site from the sounds of it there are illegal practices going on
 Dec 16th, 2006
Repeated calls; they will not leave messages on the answering-machine. Just now they called again, would not say who or what they wanted, just that "This is (Christy?) from Pioneer."

I said, "Oh, I already have a VCR--thanks," then hung up.

 Dec 15th, 2006
I received a message from my apartment manager saying that a man (Chris) had called for me stating it was "extremely urgent" that I return the call, gave the 800-450-3915 ext. 78436 number. I called it and they asked me if I was born on such-and-such a date, I said no. Then asked if XXXX were the last 4 digits of my SSN, I said no. Then asked if Hansen was my maiden name, again I said no. The lady apologized for the inconvenience and said good-bye. This was around noon (pacific time). Then a few minutes ago, I received a call from 585-237-7099 at my work, but did not pick up the line because I did not recognize the number -- there was no message left.
 Dec 14th, 2006
No message just see this number pop up every few days on caller id
 Dec 14th, 2006
They call at least twice a day, even on Saturday. Also they are calling friends and calling places like my gym. They make it sound like a job offer when they speak to my friends. They also leave an 800 number that requests my social. Very suspicious.
 Dec 09th, 2006
called & hung up on answering machine.
 Dec 08th, 2006
the phone number 5852377099 has been calling me and said her name is michell but refuse to leave messages.
 Dec 01st, 2006
Caller ID says PCR 585-237-7099. They call me at least 3 times a day in re: a supposed student loan. Well, its in my maden name BUT the SS# is different. They do not believe me and have started calling my mother! Now she thinks I dont pay my bills! My actual student loan is current and they said this company is NOT calling on behalf of them.
 Nov 29th, 2006