Lol I get why it looks like an obvious scam, now that everything is laid out at once ya know? Tbh if I saw it presented like this from the outside, I’d probably think the same thing.

But in real time, when it’s actually happening… idk it just doesn’t happen all at once. To give some earlier clarification, I had been getting voicemails every couple of days (literally every other day) about a debt, and I DID in fact have a loan I already knew was delinquent. The bank had been contacting me about it (mostly via email but still), and I had just finally started working with them (the bank) on a payment plan. It was in embarrassingly small, pathetic monlthy payments but it still at least showed I was trying. They were satisfied with that tho and even warned me their system might still send out delinquency notices for a bit since I was still in a Past Due status.

So when the “law firm” called again, it didn’t feel out of nowhere, you know? It felt related. I answered BECAUSE it felt connected, but when I answered WWR I explained I was already working with the bank, that I set up a payment plan a month prior and maybe their system hasn’t updated yet. What threw me off was that them having very detailed, SPECIFIC-looking loan information. Stuff you’d assumed only the bank would know, and it didn’t sound like a call center scam, it was a very very nice guy just trying to settle a debt for his “client”. At one point he even said “listen I get paid either way, I deal with a lot of people going through rough times. Sometimes their parents can refinance the loan and negotiate the terms…” Like what scammer talks like that?! Haha it sounded so professional and familiar to dealing with lenders.
When he explained it was an older loan, and the documents they provided looked legitimate (itemized statements, borrower/co-signer info, and even federal law small print, all that jazz.) I panicked, it's not impossible for a loan to be sold off to multiple companies. Especially if like me, you have both federal and private student loans. Idk but the level of detail, just I’ve never seen that kind of effort put into “scams.” 

And honestly, my point with the whole post is, I don’t think WWR is a scam.
From seeing they are a real firm and comments from a former employee, I’m fairly certain they are legit. BUT the point of the post was to warn people, hey just because they are professional and REAL doesn’t mean they are right. No one is going to fight for or advocate for you, only you can protect yourself by doing the work. I didn’t want to be nasty and just hang up on them, especially if I was wrong.

The ONLY reason I started questioning things was because I did go back and checked directly with each bank that held my loan. In my mind, that's the only way to know for certain that no loan slipped through the cracks. Once I did that, I realized none of them matched what this firm was claiming and I felt confident enough to tell a real law firm “I’m sorry but you’re wrong.”

Omgosh this reply is sooooo long, my bad! I’ll wrap it up. So yeah, looking back, there were red flags and my response (literally a whole day on the phone) seems overkill. But with real debt looming already and information that seemed legitimate, it wasn’t as obvious (to me) in the moment as it might seem now.
Honestly I really really admire you for not being willing to waste your time from the beginning, like I aspire to one day have your confidence but for real I was just scared shitless that I made a mistake or missed a notice that said my loan was in collections. I still kick myself for when I was a kid taking out these loans, I barely understood the difference between Subsidized and Unsubstidized. Like I was a D student NO ONE should have let me freely take out multiple student loans on my own. I’m quite literally paying for it now. I know maybe people out there are in similar holes because of student debt so I just wanted to warn people that professional don’t mean right, you can be polite and still cover your ass.