Loans

It can be done but you pretty much have to follow the same rules as the major lenders. Ie: written contract stating that if payments aren't made, the lienholder can repo, perfected liens, etc. Best thing to do is contact a local repo company and they can tell you exactly what you need to do it.

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Unfortunately, Student loans can not be discharged. Here's how I know..... A person I know took out a student loan in the early 1980s. The school was exposed as a fraud, and closed. He was not given a "school out" to transfer the funds to another school for the same thing, Truck Driving. 7 years later, he had to file bankruptcy after a bad divorce, and the student loan refused to go away. Now, he can't get a loan from a reputable source or go back to school on another grant because, the original loan of 1800.00 is now at 10180.00. He looked into getting it discharged, and his lawyer told him to settle the account for the reduced amount of 5600.00

== == Suggestions below may be helpful(financially), but they are advising you to commit fraud. I have yet to read an education loan agreement (including private/alternative loans) that does not stipulate that the proceeds of the loan are for educational use only. For federal student loans, signing the promissory notes to obtain (or later consolidate) loans used to payoff credit cards may also be a separate (and federal) perjury offense. Having said that, here are the opinions:

I would suggest that you definitely utilize the money offered to you at a lower interest rate to pay off higher rate credit cards. Given that the average credit card carries an APR of 15% and the average student loan is 5% or less makes it to your advantage to get the 15% debt off your back. The only hampering factor you should consider is this: Is 5% of your total student loan annually going to cost you more than 15% of your total credit card debt? If not, than I would do it. More input from FAQ Farmers: Yes. It doesn't matter whether 5% of your total student loan is more than the 15% of credit card debt. Either way, debt is debt and it all adds up to the same amount. The only key factor is interest and loans are definitely cheaper. The key to this being helpful is that you must keep paying down your credit card debt as you would have if you were making payments to the cc company. If you can't do this, then just keep your credit card because you'll end up leaving the credit card debt on the loan for so long that it will not turn out cheaper. You can do this but i don't think it will be a good idea. To pay off your bill you should not put more burden on yourself.

You cannot pay your credit card bills with government approved loans, however if you have taken loan from private vendor then you can spend your loan amount on other expenses.

Economic Hardship deferment and Unemployment deferment get 3 years each. Military deferment and School Deferment are unlimited. There are several types of deferment so it depends on the one you qualify for.

Student loans

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IMO-most unpaid debts fall off the credit report after seven years FROM THE LAST PAYMENT!!! Ex-If you have not paid down a debt after six yrs then pay 1/3 of the debt yesterday, the 7 yrs begins again as of yesterday. IMO- I believe the 7 yrs may also begin again if the debt is sold to a collection agency because now you owe a different company therefore-new debt.

It is illegal for a collection agency to change the date on a debt. It is not a new debt. Agencies that do that violate the fair debt collection practices act.

If you cosigned, you are the borrower if 1st party doesn't pay. they can only put a lien if they get a judgement first. Remember nothing makes a student loan go away-not even a bk. It just accrues interest forever.

In the U.S., a garnished student loan happens when a borrower becomes Default on the outstanding loans which causes a collection company to garnish the wages of the borrower. Garnishment is when an employer deducts money from an employee's paycheck and sends it to a collection company. Garnishment of Federal Student Loans has a cap of 25%.


One online company that helps default borrowers get a garnishment lifted is Default Management Services, Inc. You can Google the company for the phone #.


Ask for Doug.

I would think so, the deed may be issued in your name only, and if you are taking on the mortgage yourself keep the deed in your name, your spouse will get the home anyway if you pass away, unless your will says otherwise. Also i would take out the insurance in case of death so the house gets paid for, its a little more added to the mortgage but if it is in your name and your spouse and something happens the mortgage gets paid, who knows what happens down the road. If newly married or for 5 yrs I would keep the home in your name, who knows these days? Divorce happens, couples fight, why worry down the road, why fight over the home, don't think it can't happen to you hope this helps

If a person files for personal bankrutsy they can try to include students loans. If the loans are from the federal government.....they are much more difficult to dimiss in bankruptsy court (most often they are not). Federal student loans will not be removed from your credit report (unless you were lucky and wiped them out in bankruptsy court) they will stay there until paid. The federal government will garnish wages, take your tax returns, freeze your bank accounts and even garnish your social security check when you retire until all loans are paid in full. Other loans through non federal agencies will be forgiven.....eventually.

You can't be charged with fraud on payday loans. They are considered bad debt. There are several payday loans online that are not licensed to lend in certain states. This is a typical threat from the lenders. They think if they threaten criminal prosecution, people will pay their rediculous charges above what you owe. Don't let them intimidate you. Set up a budget and pay what you can toward each one. You can consolidate your payday loans through Town & Country Acceptance. If you register, I will be happy to give you their information. They work very well with the lenders and they don't take any crap off of any of them.

If neither the borrower nor the cosigner have the money to pay back the loan, than bankruptcy is always an option for the cosigner. If you don't have the money, you don't have the money. However, be prepared to lose a good deal of your possessions and absolutely destroy your credit!

it wouldn't be reported as a "stolen" vehicle unless they signed an agreement stating when they would return it. At most, it would be unauthorized use of a motor vehicle. Best thing to do would be to send a certified, return receipt, restricted delivery letter to the person stating they have so many days to return it or it will be considered stolen. Also put in the letter that acceptance of the letter constitutes their agreement. Yes you can report your car stolen but only if you said return it by a certain time. If you failed to give a time period, then you cannot report it as stolen.

There is no limit on regular income. When the IRS garnishes you, they take everything except for an amount that is exempt from levy (they will send your employer a table telling them how much they can pay you, and the rest goes to the IRS). This amount is, generally, the amount on your tax return for exemptions + standard deduction.

The table tells them how much they can pay you, that's the most important key.

For example, if you are single and paid monthly only $729 is exempt from levy, so that's what you will be paid. If you make $5,000 per month, obviously this amounts to much more than 25%.

There is no limit on how much the IRS can take out of your paycheck. There is only a limit on how much they will leave you with. Everything above that amount is sent to the IRS, which is why IRS garnishments are especially painful.

Depends on the use. If they titled a character in a novel John Smith and you are John Smith, then probably no. If they used your name to get a credit card and charge it up, then yes. If you are a celebrity or for some other reason your name in-and-of-itself has value, then probably. Then again, at least in the US, you can sue anyone for anything.

A co-signer is EQUALLY responsbile for the debt as the person he co-signed for. At the very least it will reflect on their credit. Possibly liens can be placed against them. In extreme cases, garnisheeing of wages and forced sale of their property though the last is unlikely.

Yes You Can. This Leaves A Mark On Your Credit Report, Plus Since You Did Not File; You Now Are Responsible For The Debt. NEVER EVER COSIGN++++++++++++ MONEY 101 * Probably not. If the debt was discharged in bankruptcy then it is not subject to collection procdures including a lawsuit. In some state filed BK's a cosigner has protection in this area if specific circumstances exist.

No you cannot settle student loan debt for less than what you owe. Student loans are federally backed, and will find that student loan lenders will not settle for less than the principal balance that you owe them. The best they can do is offer a deffered payment plan or a forbearance.

A Direct Consolidation Loan has a fixed interest rate for the life of the loan. The fixed rate is based on the weighted average of the interest rates on the loans being consolidated, rounded up to the nearest one-eighth of 1% and cannot exceed 8.25%.

You won't receive it. It will be forwarded to Dept of education