help keep private SL out of default
In December 2007 I requested my private loan company give me some sort of lower payment or a foreberance as I was and still am having a financial hardship. They told me that they could only offer a foreberance for 30 days only. Of course this offer was not going to help me out so I stopped making payments. Long and behold 6 months later CA Van Rue started calling me and I explained to them the situation. After they could'nt get any money from me, A new CA NCO financial is down my back. Last week, after many threatening calls I recieved from them, I told them to only contact me via us postal service. All has been quite but I am afraid that they may take me to court and try to garnish my wages. Is there a way to deal with them to keep the loan from going into a legal court action? I am years away from the SOL. Any suggestions would be helpful
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Erroneous filing
I have been the victim of erroneous filing of information regarding a student loan. I have not graduated and Edfund reported my student loan as in default , while I am still in college. They will not admit their error and has halted my chances of receiving financial aid, to complete my degree. I am disabled, and am living on substandard finances. My husband died in 2005, I have a 12 year old daughter I am trying to raise.
We both live on $800.00 per month , which is my husbands social security and $105.00 VA. I am expected to make six consecutive , on time payments before they will consider writing a letter of satisfactory payments. I have had problems making the payments because I have to juggle money to pay what I can for room and board and other bills in the household. What am I to do. I have been paralyzed ,financially. After I had the stroke in 2001 I can not work in my chosen field of nursing due to physical deficits. I am working on another degree to be able to provide for my child adequately , in the future. I am a junior, in college. Please advise me on what can be done.