Private Loan Default Help

[LOA4me]

Any and all help is accepted.

 

I've been cut down to 3 days at my job and am still looking for work.

 

Today my co signer received a call stating that a lien would be put against her home (this is her only asset) if we didn't come up with $14,000 to pay by 4pm EST.

 

Neither one of us have that kind of money and know no one who does, I've tried to work out a payment plan with them but the collector has hung up on me repeatedly even spewing vitriol. I owe this money, I do not in any way dispute that, the last payment made was Feb09 in the amount of $1300 (after I received my income tax).

 

TERI will not call me back and the CA is just no help in giving a reasonable solution. Is there any one I can call besides TERI or the CA. I plan on making good faith payments but honestly I only make $400-600 every two weeks after taxes depending on how many hours I've worked. Can I suggest garnishment to them? my cosigner lives off of SS income, and only owns her home.