Debt collector calling wifes work for my debt
Date: Thu, 07/14/2011 - 11:36
Hello and thanks for helping me.
Today my wifes work received a phone call from a debtor i had from 2004-2005(student loans). I have paid off all my loans from the department of education, just not the school. My wife just got this job last year so there is no way this # they called is listed anywhere on the application or loan documents. Is that legal? they called someone knowing i didnt work there.
I do have other questions to.
One is, i never attended 2 quarters but was charged for both quarters fully. I thought i read somewhere that there is something i can fill out that would make them drop that portion of the debt.
the 2nd question is that i was diagnosed with a fatal disease last year. They gave me 10-15 years. I cannot repay this to being disabled. My wife and i have a budget and after all bills and food, we only have $300 extra a month. This $300 is used for clothing and b-day/events/trying to save. Is there anything i can do? This debt is a student loan, but i know the school has another $3000 i owe them directly from my student account(in all almost $10000).
I always try to pay my debts but with everything that has happened in the past few years i am behind. If i could pay i would. Im about to start a $200 a month payment plan with another debtor to stop garnishment(this comes out of the $300 extra we have a month).
I am sorry for rambiling but i am lost as of what to do. Thanks for looking.
Today my wifes work received a phone call from a debtor i had from 2004-2005(student loans). I have paid off all my loans from the department of education, just not the school. My wife just got this job last year so there is no way this # they called is listed anywhere on the application or loan documents. Is that legal? they called someone knowing i didnt work there.
I do have other questions to.
One is, i never attended 2 quarters but was charged for both quarters fully. I thought i read somewhere that there is something i can fill out that would make them drop that portion of the debt.
the 2nd question is that i was diagnosed with a fatal disease last year. They gave me 10-15 years. I cannot repay this to being disabled. My wife and i have a budget and after all bills and food, we only have $300 extra a month. This $300 is used for clothing and b-day/events/trying to save. Is there anything i can do? This debt is a student loan, but i know the school has another $3000 i owe them directly from my student account(in all almost $10000).
I always try to pay my debts but with everything that has happened in the past few years i am behind. If i could pay i would. Im about to start a $200 a month payment plan with another debtor to stop garnishment(this comes out of the $300 extra we have a month).
I am sorry for rambiling but i am lost as of what to do. Thanks for looking.
Quote:Today my wifes work received a phone call from a debtor i
Quote:
Today my wifes work received a phone call from a debtor i had from 2004-2005(student loans). |
You are the debtor....they are the creditor.
Quote:
I have paid off all my loans from the department of education, just not the school. |
What type of loan is this?? Perkins? Institutional?
Quote:
My wife just got this job last year so there is no way this # they called is listed anywhere on the application or loan documents. Is that legal? they called someone knowing i didnt work there. |
Sure it is legal...they are skiptracing.
I do have other questions to.
Quote:
One is, i never attended 2 quarters but was charged for both quarters fully. I thought i read somewhere that there is something i can fill out that would make them drop that portion of the debt. |
Did you properly withdraw when you stopped attending? There is nothing you can fill out now that will make them drop that portion of the debt.
Quote:
the 2nd question is that i was diagnosed with a fatal disease last year. They gave me 10-15 years. I cannot repay this to being disabled. My wife and i have a budget and after all bills and food, we only have $300 extra a month. This $300 is used for clothing and b-day/events/trying to save. Is there anything i can do? This debt is a student loan, but i know the school has another $3000 i owe them directly from my student account(in all almost $10000). |
We all have a fatal disease...it is called life and getting old. Most do not know when they are going to pass on.
Quote:
I always try to pay my debts but with everything that has happened in the past few years i am behind. If i could pay i would. Im about to start a $200 a month payment plan with another creditor to stop garnishment(this comes out of the $300 extra we have a month). |
Are you still working? What is the other debt you are paying???
I am sorry for rambiling but i am lost as of what to do. Thanks for looking.
