Rob, Get on that ASAP!! They can “Attach” your paycheck. Meaning if a collections agency is set upon you, they can go to some interesting and complicated depths to collect.
dibs: Thanks to the Republican-led change to the bankruptcy laws, here’s the deal (from the internet)
>>>
Student loans are no longer dischargeable in any chapter of bankruptcy unless you can prove that repaying the loan creates an undue hardship on you or your family. Prior law allowed their discharge once they had been in pay status for 7 years. The law changed in the fall of 1998.
Proving hardship usually requires showing that you can’t provide a minimum standard of living for yourself and your dependents if you have to repay the loan. Some courts will discharge part of the loan on a showing that repaying it all would be a hardship.
Student loans are sometimes unenforceable due to school closures, fraud, etc. Chapter 13 can provide a way to cure defaults on student loans, or to pay them off over the course of the plan.
>>>
oh yo get this !!!!! the buildings plumber or maintenance people cannot make it to look at our toilet today cuz they are too busy ‘shovelling snow” :-/ what? oh and the next time they can come NEXT FRIDAY! a week from tomorrow!!!!! wouldnt an over flowing toilet be, uh, i dont know, a f’ing priority?
rob- if you don’t call them and you always ignore them, hwo can you work out a payment plan? And never take the word of a “whole bunch of people” on things like this. You’ll never get good advice.
“im going to send them a letter next week and see what happens but i dont like the ‘take legal action’ thing. that is just LAME. dont they have better things to do with their time than drag me into court?”
would to me, rob. You need working plumbing- call them and tell them they have to fix it- it’s not like a sink.
Rob, Get on that ASAP!! They can “Attach” your paycheck. Meaning if a collections agency is set upon you, they can go to some interesting and complicated depths to collect.
INCLUDING SNATCHING MONEY FROM YOUR PAY.
dibs: Thanks to the Republican-led change to the bankruptcy laws, here’s the deal (from the internet)
>>>
Student loans are no longer dischargeable in any chapter of bankruptcy unless you can prove that repaying the loan creates an undue hardship on you or your family. Prior law allowed their discharge once they had been in pay status for 7 years. The law changed in the fall of 1998.
Proving hardship usually requires showing that you can’t provide a minimum standard of living for yourself and your dependents if you have to repay the loan. Some courts will discharge part of the loan on a showing that repaying it all would be a hardship.
Student loans are sometimes unenforceable due to school closures, fraud, etc. Chapter 13 can provide a way to cure defaults on student loans, or to pay them off over the course of the plan.
>>>
Arcady, I made a timing boo boo. It will be back.
Ask Snappy the bankruptcy question. I don’t remember what her specialty is though.
oh yo get this !!!!! the buildings plumber or maintenance people cannot make it to look at our toilet today cuz they are too busy ‘shovelling snow” :-/ what? oh and the next time they can come NEXT FRIDAY! a week from tomorrow!!!!! wouldnt an over flowing toilet be, uh, i dont know, a f’ing priority?
*rob*
rob- if you don’t call them and you always ignore them, hwo can you work out a payment plan? And never take the word of a “whole bunch of people” on things like this. You’ll never get good advice.
Maybe you should file for bankruptcy, rob. I’m not sure what happens to student loans though in that case.
“im going to send them a letter next week and see what happens but i dont like the ‘take legal action’ thing. that is just LAME. dont they have better things to do with their time than drag me into court?”
My taxpayer side approves. I want my damn money!