I have a delinquent school loan. The Educational Credit Management Corp. hired DCS to collect the debt after ECMC went to the Dept. of the Treasury to collect the loan by garnishing my social security payment. DCS sent me the payment papers and my wife and I sent the paperwork back to them. After a couple of weeks, they sent me a letter saying that I could pay 74.00 per month for 9 months and then the loan would go back to ECMC for repayment. I made the payment and found out that my social security is still being taken. After calling DCS and talking to Jessica, she transferred her to Matthew, who after talking to her transferred her to a manager. I have told my bank to refuse payment on any request for payment from them. ECMC will not talk to me about the loan because DCS has it. I am making two payments on the same loan. With the reduction in my social security, I cannot make ends meet. They also told my wife that they can take my pay and my social security. I have also filed a complaint with the Federal Trade Commission, who told me that if they see a pattern, they will begin a procedure against them.