I'm sorry if this is in the wrong spot or if I'm doing this wrong but I haven't been on the site in a couple of years; I'm scared and I don't know where else to go. I had something happen today that really freaked me out. It started out as a normal day, I woke up, made coffee, started getting ready for work, then I recieved a strange phone call. Back in 2008 I had signed a contract for an online school for an LPN to RN degree (I have been an LPN for 16 years now) and for the usual reasons that we all experience, life happened and I was unable to finish. After a while, I was unable continue making the payments and eventually I they stopped asking and quite honestly I forgot about it after all this time. The funny thing is, a few months ago I called this school and asked them about signing back up with them and getting back on track with the payments and continuing where I left off with the education and all I was told was that they no longer offered the LPN to RN program... nothing about payment program, which is what I was looking for to get the payments up to date with what I owed them. So back to the original story. The call I recieved today... this woman tells me she is a prosecutor from the Jefferson City (the state capital), and that they currently have 56 counts of bad checks on me; I told her I have never in my life written a bad check... she said it is from The College Network... from all the payments that were NOT made, that when I DIDN'T pay them, they continued to try to collect each month, all these years, just to strenghthen their case against me, and that each one counts as a "bad check"; this completely shocked me to say the least. She continued to threaten me; she had me on the phone for a total of 4 hours; she had information on all of my family members including myself, my husband, my children, my parents, all of our vehicles, our bank accounts, medical information.... the list goes on and on.... she was telling me that telling me that she was "working for me" and she was "going to bat to get me the best settlement" possible. She said they can report me to the State Board of Nursing for ethics and my license could be in trouble. Does anyone know if this is true? She also said if I didn't pay her $14,000 by 6pm she would have me arrested by tomorrow morning; at that point I lost it and almost passed out.. I thought I was going to prison... I know it sounds stupid for a person to fall for such silly tactics from a bill collector but this woman really had me going, she really had me fooled. She had me believing that I messed up so badly that was going to lose my home, my children, my nursing license, my freedom, I thought for sure the police were coming to my house to pick me up in the morning. My family had to convince me that this woman was a fake and even now I'm still shaking and sick to my stomach, she was that convincing. But i'm still concerned about whether or not it can be reported to the State for ethics. I mean, I understand that I signed a contract so yes, I do owe money, I know that, and I will be more than happy to pay them a set amount on a monthly basis. Does anyone have any advice?
