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Found 16 results

  1. Have you experienced any problems with you student loans from Navient? Were you ever not notified of loans going into default? Did any of your loans go into default without being notified and now your wages are being garnished and you can't get any answers or solutions? Are you getting the run around from Navient and Pioneer Credit Recovery Inc? Did any of your loans from United Student Aid Funds get transferred to Navient or Great Lakes and now none of them are claiming to own your loans and some collection agency is aggressively going after you to collect? If you answered yes to any of
  2. I was sued by a JDB, and properly filed a MTC arbitration. Before the motion could be heard, the JDB filed for a default judgment. Eventually the MTC was granted. Did the JDB violate the FDCPA by filing for default once they knew I was demanding arbitration?
  3. Hi All, So I just found out that I have a default judgment (was never served) for a debt I've already paid about 7 years ago. At this point, I'd like to quickest and easiest way to proceed as I have proof that I've already paid my debt through a collection agency (thank God). What I'd really like to do is avoid having to take off from work and going to court. With that being said should I? A. Contact the creditor in writing with the proof of my paid debt? B. Go to court to formally vacate the judgment and fight it? Thanks in advance!
  4. Hi there, I've taken out a loan to attend a private university in the US a few years back. This school has a cooperation with a private, US-based, lending institution to enable prospective international students that cannot find any other forms of financing to take out a loan. In case of the student not being able to make payments and going into default the university is then liable to pay as it basically functions as co-signer. I've been making my payments for the last several years, but now I am encountering financial difficulties that will likely force me to go into default on the
  5. I have a private student loan through American Education Services. As far as I knew, my loan was in a three month forbearance from Nov, Dec and Jan with my payments to resume in February. When I called last week to get my updated tax information on my student loan interest, I was informed that my loan was in DEFAULT and no longer with the AES office. I was then given about eight different numbers to call to track down who actually held my account and I still have not figured out how it went into default when it was in a 3 month forbearance. But AES won't give me any information because they sa
  6. A friend of mine in Arizona recently divorced her husband. She just received a letter in the mail from JH Portfolio that is a Subpoena for Production and Copying of Documents. She has no income and no assets other than her car. Her husband is a veteran on disability. He is not paying her any spousal support. If they were ever served...most likely they were...he never told her anything about it. Any advice on what she can/should do at this point? Although she has lived in the US for 11 years or more, married to the same man, she never applied for US Citizenship. She would like
  7. I have a private student loan through American Education Services. As far as I knew, my loan was in a three month forbearance from Nov, Dec and Jan with my payments to resume in February. When I called last week to get my updated tax information on my student loan interest, I was informed that my loan was in DEFAULT and no longer with the AES office. I was then given about eight different numbers to call to track down who actually held my account and I still have not figured out how it went into default when it was in a 3 month forbearance. But AES won't give me any information because they sa
  8. I was served by Portfolio Recovery for a 1300 debt. I planned to answer it but completely flaked out and forgot I only had 20 days, NOT 30 days :/. Today, I realized my mistake, and of course, I'm on day 21. From what I gather, if they pursue a default judgment, I would have 10 days to answer. Is this true in all states? I'm really hoping Ky isn't an exception, but I did see that default judgments don't typically get hearings here. I'm planning to go ahead and file a response first thing tomorrow. Can anyone tell me what to expect? Have I already forfeited all of my options to stop
  9. Listen, I am not a lawyer and I am not an expert, by any means, but I've been reading this forum for over a year, and now that I have also had some experience in these matters, I feel compelled to make a few observations about (what seems to me to be) the general strategy that JDBs (junk debt buyers) use, at least in California. 1st – The JDBs depend upon the fact that most defendants are not going to answer the complaint filed against them, which allows the JDB to receive a default judgement, winning the case, and allowing the JDB to then proceed to garnishing the defendant's wages. 2nd
  10. - Hello, I'm new to this forum but I'm very impressed how helpful everyone is. I'm hoping I can get some advice from some of the experts here. As a real estate agent, I ran into trouble in 2008-2009 and had to give up paying on some credit cards to take care of other family needs. One of those credit cards, a Disover Card, got a summary judgment against me on 7/6/11 for the principal of $9165.78 as well as the filing fee of $230, the service of process for $79.50, the ex-parte of $30 and the attorney's fee of $500 for a total of $10,005.28 and interest accrueing at 12% per annum. They
  11. So, I defaulted on a secured credit card (It's a CAP1 but was some other company back when I first got it) at the end of 2013. Stupid I know. I'm in the process of cleaning up my credit and this is my next one to tackle. I want to say the deposit was $300 as was the CL. The balance is now at $499 (because of fees, interest, etc.) Acct is charged off, but not in collections so it's the OC that's reporting to my CR. They have not sent me any letters for quite some time (probably since early 2014) I want to DV them to find out what happened to the deposit and perhaps make a settlement
  12. Hello. I am new to this site. Hope someone can help me. I did not receive a summons. Midland funding sent it to my mother's address, and I haven't lived there for years. Also tried to serve my mother and she told them I don't live there. Judge granted them alternate service, but I never received a summons. My mother did not either. My mother is getting older and never keeps track of anything, including mail. As a result Midland got a default judgment against me. Tried to vacate judgment twice, but was denied. Judge said the alternate service was sufficient enough to notify me
  13. I didn't make a payment on a Perkins loan from 2004. I knew about the loan shortly after leaving school and ignored it. After moving numerous times in the last 7 years, I forgot about it. I recently applied to go back to school and discovered that it is now in default with a CA and I cannot obtain more financial aid until it is consolidated, rehabbed or paid off. Original balance was $500, now something like $1,100. The loan was from the term 9/04, adding in 6 month grace period and 270 days of no payment, plus 7 years (on credit report), I have calculated it to come off my credit report
  14. Hello everyone. I need some help if at all possible. I have a private loan with a small education finance company based in GA. My little nephew was visiting me back in August and early September. He is 3 years old and is really into mail. I just found this out the other day as I was cleaning and found tons of mail stuffed in the room he slept in, behind the bed... under the dresser... it was mostly junk mail but I located 2 bills from my private student loan earlier this week. I was going to call on Monday to make outstanding payments as I am behind 2 months and my third month payment is ac
  15. Hello I have some questions regarding my student loans. I know there are government loans and private loans. My government loans were garnished until a certain period of time, and then I proceeded to pay them off (on top of my garnishments). The private loans are held through Sallie Mae, and being that they're private they do not garnish. Instead, Sallie Mae has continued to hit me with very high interest rates at which are doubling and tripling my total amount due over the years. I can no longer run and hide, the more I hide the sooner my loans reach $100k mark. I am confused and not sure wha
  16. First of all, Thank you for your time & attention! Can someone help me by giving me an example or template for: -Praecipe to Submit Preliminary Objections -Preliminary Objections I took out 3 non-federal student loans to help pay for my undergraduate degree. My dad is my co-signer on these loans. I graduated then went to Asia to get my MBA with Syracuse. Crossing languages & countries- the Plaintiff didn't acknowledge that I was in grad school therefore they did not defer my loans. I have not mad any payment on these 3 loans. I was served papers for a civil action law suit (