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Everything posted by caretaker

  1. I'm so sorry to have forgotten such pertinent information - she lives in Colorado. With regard to home equity, there is not much that I know. She has only owned it a few years.
  2. After a recent hospitalization for my mother, I went to help her with recuperation. I came to learn that she has more debt that she can handle on her fixed income. As I sort through it, she has just under $25K in unsecured credit card debt. With her fixed income and her mortgage and other expenses there is not enough left for these payments. Here is where I look to all of you for advice. We believe (and the doctors confirm) that she is in the early stages of dementia. Right now, it is more of a forgetfulness, but we also believe that she has been been taken advantage of by some people she
  3. Thank you all for responding. We do not own any property here in Arkansas and my emotional attachement to the house in California is gone. Especially since it has been more of a pain in the a$$ since we left. We were there for over 5 years, nothing major needed, within in two months of our leaving - replace water heat, new electrical and a few minor stuff. Another question - most of the debt is in my husband's name alone, is it worth paying off my couple of little things and he file alone? Or should we both start over...? Also, I have made appointments with two attorney
  4. Please forgive me if I am repeating earlier threads, but I'm not sure which direction to go. It seems as if we have done all the wrong things over the past several months, every time we take a step that we think will improve our situation, it's a mis-step. With impending layoffs at his job in California, my husband and I took an an opportunity to relocate to Arkansas with a different company. Even with the pay cut, no relocation reimbursement, we thought it a good move for our family in the long term. We thought we did due diligence in comparing the move financially. We talked to realtors
  5. After weeks of back and forth communication between NCO (CA) and myself, I spoke with a rep yesterday and he said it was sent back to Sallie Mae because the statute of limitations has expired. NCO (the CA) is not pursuing it. I am cautiously optimistic. Is there anything that I should do now with Sallie Mae? Thanks to all. I would be working out a payment plan right now if I hadn't found this web site and challenged the debt.
  6. Thank you both so much for the info. I have requested validation of the debt, identify the OC, proof the the SOL has not run out. I'll keep you posted.
  7. I am new to these forums, but they have been a great source of information for me and I am hoping that someone can offer me some advice. In 1989, apparently I applied for a loan of $10,000 with the Macintosh Program for Higher Education via 1st American Bank - I needed the help of a co-signer. I say apparently because I don't really remember a loan of this amount. I had other student loans that have since been paid. This one has never had a payment. Over the years, I would occasionally get something from Sallie Mae saying I owe them about $6000. I have always said I never had a loan with S