Loans

California is a community property state. Your husband may need your signature to sell his property if it was not titled as "separate property". Property acquired after marriage may become community property depending on the source. If the property was inherited then you may have no claim. However, if the property was purchased then the following passage may apply: "In California, any assets that are acquired during marriage become community property, (i.e., belonging to both spouses), unless they are specifically acquired as separate property. Real property that is conveyed to a married man or woman is considered community property, unless it is stated otherwise. In order for a married individual to acquire title in his or her name only, the spouse must relinquish all right, title and interest to the property. Usually, this is done by executing a Quitclaim Deed to the property, which is recorded concurrently with the deed to the property." You should seek the advice of an attorney.

Hello, your answer is yes. You may fully apply to your financial aid before you apply to the college of your choice. However, while filling out the current fafsa on their website they will ask you to fill in your school codes which are basically codes that you type in for the schools you are looking at or are specifically interested in attending. As soon as you complete your fasfa the schools of your choice will be able to recieve your fafsa information. Each school is different by how much they are willing to loan out or grant. The summary of what you will recieve from each school of your choice will be known as a rewards letter.

Some student loans are dischargable in bankruptcy and some are not (and most are not). Student loans which may NOT be discharged in bankruptcy are those which are an "educational benefit overpayment or loan made, insured or guaranteed by a governmental unit, or made under any program funded in whole or in part by a governmental unit or nonprofit institution, or for an obligation to repay funds received as an educational benefit, scholarship or stipend." Any student loan NOT falling into these criteria ARE dischargable in bankruptcy (though of course most student loans DO fall into these criteria) so long as they are listed in the petition as a creditor. To get rid of the student loans that DO fall into these criteria, the debtor has to file an Adversary Proceeding against the student loan lender (which is a separate lawsuit in the Bankruptcy Court) and show that repayment of the student loan would cause an undue hardshp on the debtor or a dependent of the debtor (a very tough standard for the debtor to meet). If you're interested, here is the Bankruptcy Code section which says what student loans are not automatically discharged and the criteria one needs to prove to get them discharged: 11 U.S.C. 523(a)(8): "A discharge under section 727, 1141, 1228 (a), 1228 (b), or 1328 (b) of this title does not discharge an individual debtor from any debt- for an educational benefit overpayment or loan made, insured or guaranteed by a governmental unit, or made under any program funded in whole or in part by a governmental unit or nonprofit institution, or for an obligation to repay funds received as an educational benefit, scholarship or stipend, unless excepting such debt from discharge under this paragraph will impose an undue hardship on the debtor and the debtor's dependents." Please note that nothing in this posting or in any other posting constitutes legal advice; this is simply my understanding of the facts, which I do not warrant, and I am not suggesting any course of action or inaction to any person.

It depends on the company, generally no, but some companies may hire someone who has received a pardon.

Yes and no. All moneys sent to your college will be used by the college first. If the college issues you back a refund check, then that's considered income if you deposit it into a garnished bank account. There is an easy remedy to all of this: Set-up a payement plan with the state to satisfy your child support.

Matt Houston, Texas Lawyer.

Dear "cookie butters": first place to start is your school loan office, since they will have to be involved at some point anyway. for general information, go to http://www.fafsa.ed.gov/ (if you are referring to the US government, that is.)

Generally you can't get out of your obligations as co-signer unless the loan is paid off.

1.) Don't co-sign unless you can afford to pay off the loan.

2.) Try to arrange a payment schedule if the primary borrower defaults.

the banks make enough money, so if you dont pay them back it wont event make a scratch on their earnings, go ahead and do it!

Nobody will put a gun to your head and force you to pay a debt, but a moral person will do it anyway. By refusing to repaying a loan that you took out in good faith and AGREED to repay, you are removing funds from the student loan program. Asking this question says a lot about you. I suppose you're one of those people who doesn't really have a conscience or ever feel responsibility for your action. Debt is a civil matter and is confined to the country from which it originates. I'm very saddened by the calousness of the person who posted the first answer here.

In the US, the only way you can keep the government from taking your tax return in the future is to consolidate the loans and get them out of default. You can get help with the consolidation by clicking on the link at the bottom of this text box.

Debt from student loans, especially gove. student loans as well as child support and other government obligations usually can not be discharged. They have to be paid.

I have had a lot of experience with private student loans that are non-certified (they do not have to go thru your school to get approved). Next Student has a bit more lenient credit guidelines than many other private student loan companies. You might also try Sallie Mae Tuition Answer Loan. Other loan companies that participate with "fair" credit are American General and Citifinancial. Good Luck!

There are many types of financial aid. To apply for financial aid you want to fill out a form called the FAFSA. You can do this online or get a paper copy from the college you wish to attend or you high school guidance counselor. You must fill this out between January 1, 2007 and I think March 30, 2007 to be eligible for aid the following school year. If you are eligible the types of aid are numberous: 1. Grants-these you do not have to pay back and are given to students with financial need. 2. Scholarships-thes do not have to be repaid either and they are given to exceptional or outstanding students for things like G.P.A.'s, sports, arts, etc. 3. Work Study-this is when you get a job on campus and can earn money to help you with school. 4. Student Loans-these need paid back. Be careful not to get carried away and borrow to much. Be responsible and know what kind of loan you are getting and keep in mind that you must pay the money back after you graduate and get a job.

12 years.

Ontrack Financial Group llc

Https://www.OntrackFinancialGroup.com

888-686-6834

no, they cannot take you to court. you are still responsible for the loan plus late interest plus default charges and nsf in the bank but actually its just a empty threat. What really happens is it goes to a collection department, who buys the loan from the loan company and they deal with it. it might hit your credit hard but at the same time it might not it depends on the company. I work in the industry and trust me so many people don't pay us its sickening but we can't do nothing about it!!!!

Student loans are risky for banks to give out because most students do not have credit and thus cannot be trusted definitively to pay back loans. Additionally, students generally do not have personal property the bank can claim when loans aren't paid back.

A federal loan does not require a co-signer and the minimum age is 16. The above answer is so incomplete.. Federal loans like Stafford can not fully fund your whole tuition. There are ridiculously low limits (e.g. $2650 for a freshman). I think the question is: How can a entering freshman (age 18) with no credit history or co-signer but who lives with parents (who make a decent salary) get loans to fully fund her entire tuition and living expenses ? The case here is one where parents don't want to co-sign or have responsibility to pay back any loans. Or where the parents are denied because of bad credit. So the child has to do it all on their own without any co-signer. What loans are available for this dependent teenager who on paper doesn't show "financial need" ?

No. They would need to obtain a judgment lien against you in court and provide proof that you asked them to pay your taxes and promised to pay them back. Otherwise, in Massachusetts, they would be considered a volunteer.

If the property was to be used as collateral then it is not possible to obtain any financing regardless of the reason until the lien is satisfied or removed by the court for a valid reason.

If the property was not to be used as collateral it might be possible to secure a personal loan, but the interest rate and terms would most likely be prohibitive.

The above answer isn't correct. Many lenders will allow you to place funds in escrow to cover the amount of a disputed lien claim. Moreover, in most states a lawsuit to enforce a mechanic's lien must be filed within a certain period of time or the lien becomes invalid. It is dangerous to generalize. For specific advice on legal matters, specific facts are required.

That would depend on what state you are in, and how fast a foreclosure could take place. In Virginia, the process could take as little as 45 days. Theoretically, you should be out of the house by the date of the sale, however, if you are not, eviction proceedings will start after the date of the sale.

Any person with an interest in the real estate would need to sign the mortgage so that the lender could foreclose in case of a default. Therefore, the fee owner, or remaindermen, can mortgage the property only with the written consent of the life estate holder. The holder of the life estate can only mortgage the property with the written consent of the fee owner.

I would get an lawyer. I know you may not be able to afford it, but you have to do something. Where is the money going? Did you call the company that is suppose to get the money? Here is an idea. Make copies of your pay checks showing the garnishment coming out, write a letter to the company and attach your copies of the checks. I would send it registered mail to make sure the bill gets the letters. You have now proven it is paid, so if they still say they don't have it file a complaint against the bill and your employer with the state. If you bill is a bank there is an on-line form you can file with the federal government. Another thought.... contact a consumer protection agency. There are laws that cover this and you are protected by law.

yes you can put a lien on anythig but if you are on the deed you are an owner,so yes u can put a lien on the house * It might be possible to sue the joint owners (not a spouse) and is a judgment is awarded place a lien against their share of the propery. It depends upon how the property is titled, (Joint Tenants, Tenants in Common, Joint Tenants With Rights Of Survivorship). Nevertheless, taking such action makes no sense whatsoever, the joint owner would be attaching his own property share as well as that of the other(s). A lien encumbers the property it cannot be sold, refinanced, transferred, borrowed against or in any manner distributed until the lien is satisfied. If the purpose is to recover a debt owed by one of the joint owners the better option is to sue in for a monetary judgment, thereby avoiding all the problems that are associated with attaching a lien, perfecting it, forced sale issues and so forth.

Well after I got my car repoed it took me till Oct of the same yr to pay the lender off with a new charge off amount repoed in April 2003 paid in full Oct 2003 on my Credit Report it shows as a charge off. I paid it off in 6 months I refinanced my home to pay off he difference. In between time I had their Collection agents call me and make pymt options at the time but I told them I would be refinancing my home anytime and pay off the amount I owed.

No. If you are on the mortgage but not on the deed then you agreed to pay for someone else's property for some reason. Being only on the mortgage doesn't give you any interest in the real estate.