A particular time span is assigned to student loans after which it is declared as default. During this specific time period, the loan is said to be delinquent. This time span could be 270 days to 330 days depending upon the type of loan, date of loan disbursement etc. When the loan is delinquent try hard to keep it current and avoid default, because once it's declared default, you lose a bunch of facilities.

will this program keep you out of the court room

is there any cost to your program?

How does the consolidation work?

Has anyone heard of these companies???? J P Patterson and World Financial Solutions.....They seem to be a bit shady......Sounds a bit like Freedom Trust.. Sent a large sum of money and they said they lost it and won't fund the loan until they find it????hmmmm?

ALL: This is just a reminder (that I will keep up for at least a week or so)... There is a function of the Pub called "Topic of the Week". Once a week (usually on Mondays/Tuesdays), the topic will be updated to a new topic. All posts in the thread related to the old topic will be stripped from the existing thread and reformed into a new thread entitled "TOTW Archive: ". The thread will be left open for future discussion. ==IMPORTANT== In order to keep this feature alive, we need a constant flow of ideas (topic proposals).

My story begins some 20 years ago. My husband and I married in 1986. He had a good paying job with Dupont and I was jusy about to finish nursing school. Our first baby was on the way. Little by little our financial status improved, we bought a house...we were the perfect young couple building our dream. Then in 1993 (we now had 2 sons) Dupont began to lay off workers. My husband had no formal training in any other job, so job loss would mean working at Sears or some other low paying job. Dupont offered a voluntary seperation package...we took it and ran! My husband went back to school.

I was recently contacted by a Michelle Smith from A.S. and Assoc. in regard to my defaulted account with Direct cash Express. She told me that a complaint had been filed against me over this debt. What exactly does this mean and does it sound legitimate? :?

Hi All.I got a summuns in the mail from an attorney for Palisades Collection that I have been sued. If they win a judgement what is some of the items they could attach. I don't have much and if I could pay I would.....any info would be great , thank you LVAKD.

Ever since my last car was basically repossessed (I gave it back to the bank), I've needed a new car. I figured with my recent salary increase, that I could afford the payments on a used vehicle, if I financed with the dealer. Because of my terrible credit, I knew that acquiring a loan with a bank was out of the question. I found a great car online that was cheap, and in good condition. I went to the dealer, who seemed promising. I test drove the car, fell in love with it...then sat down for the financial part of it all.