Lynn -- thanks for this info

[IAmMyKidzMom]

Checking account. Tell them you dont have one and cant get one right now from because of the BK. You have no family or friends that will give their checking account access or financial help! (milk it!!!  )

 

The Higher Education Act does not require a down payment. They can ask but you are not required to make one to qualify for a rehab.

 

I'm SOO glad that you said this to another poster. I notice you sure didn't ever let me know this info. You just kept acting like Pioneer was right and I was wrong.

 

I want to rehab my loans but Pioneer acted like it is null and void if I don't give them a check over the phone THAT phone call even though they gave me a due date for down payment.

 

So, in situations like that, when they say that, it isn't ok to go ahead and send a money order by the due date despite what they said?

 

Now, I'm understanding that a down payment isn't required. So, what in the world do I say to them if say they want a payment over the phone for down payment even though I'm given a due date and will not accept it unless it is THAT day (despite the due date given). Do I tell them a down payment isn't required and for them to send me the agreement to start payments the following month or what? She acted like she couldn't send me the agreement without a payment by phone THAT phone call.

[TxQuiltGirl]

It is true that you don't have to give the CA a down payment; even though it may not have been stated to you directly, it has been said time and time again in this forum.

 

I'm not really sure how many times you want the same advice, but I'll give it to you again.

 

Also, as has been mentioned repeatedly, you will get NOWHERE in rectifying your SLs if you insist on doing things by mail. This is the one instance where using the phone is ok, and you should use it because otherwise you're just digging a hole deeper.

 

I know that last time you spoke with Pioneer, you were blindsided. You need to read here and other places on the internet to find out what rights you have when it comes to defaulted SLs. Don't pick up the phone when a CA calls you; wait until you are ready to talk to them, have notes available to refer to, and are mentally prepared to deal with their scare tactics, then call them yourself. If you pick up the phone when they call you, you're automatically on the defensive. If you wait and call them when you're ready, you are in a better position to negotiate.

 

Please, do your homework on this. If you need help finding the information, let me know. I'll be happy to assist you in any way I can.

 

You can read about loan default here.

 

You keep posting here looking for information, and we've given it to you, but you're the one who is going to have to deal with the CA. Lynn and I (and others) have all given you good advice. Follow it and this will be taken care of.

 

Good luck.

[IAmMyKidzMom]

It is true that you don't have to give the CA a down payment; even though it may not have been stated to you directly, it has been said time and time again in this forum.

 

I'm not really sure how many times you want the same advice, but I'll give it to you again.

 

Also, as has been mentioned repeatedly, you will get NOWHERE in rectifying your SLs if you insist on doing things by mail. This is the one instance where using the phone is ok, and you should use it because otherwise you're just digging a hole deeper.

 

I know that last time you spoke with Pioneer, you were blindsided. You need to read here and other places on the internet to find out what rights you have when it comes to defaulted SLs. Don't pick up the phone when a CA calls you; wait until you are ready to talk to them, have notes available to refer to, and are mentally prepared to deal with their scare tactics, then call them yourself. If you pick up the phone when they call you, you're automatically on the defensive. If you wait and call them when you're ready, you are in a better position to negotiate.

 

Please, do your homework on this. If you need help finding the information, let me know. I'll be happy to assist you in any way I can.

 

You can read about loan default here.

 

You keep posting here looking for information, and we've given it to you, but you're the one who is going to have to deal with the CA. Lynn and I (and others) have all given you good advice. Follow it and this will be taken care of.

 

Good luck.

<{POST_SNAPBACK}>

 

 

I responded earlier to your post in that other thread.

[IAmMyKidzMom]

It is true that you don't have to give the CA a down payment; even though it may not have been stated to you directly, it has been said time and time again in this forum.

 

I'm not really sure how many times you want the same advice, but I'll give it to you again.

 

Also, as has been mentioned repeatedly, you will get NOWHERE in rectifying your SLs if you insist on doing things by mail. This is the one instance where using the phone is ok, and you should use it because otherwise you're just digging a hole deeper.

 

I know that last time you spoke with Pioneer, you were blindsided. You need to read here and other places on the internet to find out what rights you have when it comes to defaulted SLs. Don't pick up the phone when a CA calls you; wait until you are ready to talk to them, have notes available to refer to, and are mentally prepared to deal with their scare tactics, then call them yourself. If you pick up the phone when they call you, you're automatically on the defensive. If you wait and call them when you're ready, you are in a better position to negotiate.

 

Please, do your homework on this. If you need help finding the information, let me know. I'll be happy to assist you in any way I can.

 

You can read about loan default here.

 

You keep posting here looking for information, and we've given it to you, but you're the one who is going to have to deal with the CA. Lynn and I (and others) have all given you good advice. Follow it and this will be taken care of.

 

Good luck.

<{POST_SNAPBACK}>

 

 

Thanks for the link BTW...

[TxQuiltGirl]

Yes you did, but I'm not sure you read what I said. You're not listening to what's being said.

 

Recent information that I've received suggests that, should you go through something like Katrina - any kind of disaster where FEMA would be able to give you a hand - you would not receive a dime. Nor would your husband. This would be an unfortunate situation to be in, would it not? I know that you care deeply for your children, but your situation could prevent you from one day receiving help you may need for them. It really is in your best interest to do everything you can to get this situation rectified as soon as possible.

[IAmMyKidzMom]

Yes you did, but I'm not sure you read what I said. You're not listening to what's being said.

 

Recent information that I've received suggests that, should you go through something like Katrina - any kind of disaster where FEMA would be able to give you a hand - you would not receive a dime. Nor would your husband. This would be an unfortunate situation to be in, would it not? I know that you care deeply for your children, but your situation could prevent you from one day receiving help you may need for them. It really is in your best interest to do everything you can to get this situation rectified as soon as possible.

<{POST_SNAPBACK}>

 

 

I do not see how my husband could be denied something such as this IF it were to happen. I KNOW my child would not be denied. Please show me some sort of proof that because of MY defaulted student loans, which I signed for BEFORE we were ever married, how HE and my child would be denied something such as FEMA, etc.

 

Oh, and this is what I'm talking about....they think they're God and they're really the DEVIL. Forget EX being Satan....SL people and the Federal Gov't or whomever came up w/ the laws for their not to be an SOL on SL's and SL's can't be discharged in BK, etc....they are ALL Satan!

 

ETA: Oh, and I am "listening" (reading)!!! Some of things stated here are totally WRONG (such as my husband being responsible for this debt).

Edited August 31, 2005 by IAmMyKidzMom

[IAmMyKidzMom]

Look at the situation like this....

 

What if I were to die. My husband WOULD NOT be responsible IN ANY WAY for these SL's. They could not harass him in anyway...nothing.

 

If some disaster were to happen, you are saying that they would deny HIM and OUR CHILD something such as FEMA?! That's totally ridiculous!!!

 

All he would need to send them is a death certificate on me.

 

But, since I'm not dead..the same still applies. He is NOT responsible for my SL debt. My child certainly isn't. Neither should have to pay for my mistake for taking out SL's. And they WOULD NOT have to in any way. My husband would still be entitled to his full paycheck, his house (he will have in the near future), his full SS benefits, etc. They can not touch him no matter what anyone says!!!! They surely can not deny him FEMA. Too bad that I live with him...as long as I'm not the one applying for FEMA or whatever.

[IAmMyKidzMom]

Bottom line....

 

As I've mentioned in other threads, I KNOW I'm responsible for my defaulted SL's!! NO ONE ELSE IS BUT ME!!! They can not get money from me that I do not have, whethere they sue or not. They can not sue my husband as he is not responsible.

 

The ONLY thing here that's really an issue is that it is possible that they will not go into any sort of repayment plan (rehab, consolidation, whatever) unless his income is disclosed.

 

If that's the case, he will not sign anything. He will not sign anything to possibly have some fine print making him responsible for this debt and I don't blame him. If they want check stubs, I'll send them a copy of a check stub, with of course his identifying info (employer, SSN, etc.) being redacted, only showing his gross, net, and YTD earnings. I WILL DO THAT!!!

 

If they do not accept it, the way I see it is I've tried everything else trying to cure this...I've tried asking for rehab and was told it's now null and void because I would not give them a checking account number over the phone THAT day and they would not even give me a chance to speak to my husband!

 

I've tried contacting the Ombudsman and hopefully they will contact me. I will be sending them a letter this week about that.

 

I also have loans from KY Higher Education and Perkins and Walker Loans that are now turned over to another place. I will send each of these letters in trying to figure out a re-payment plan.

 

If they do accept my husband's check stub without his signature, they will see we do not have the income to pay what they would want us to pay.

 

If that's the case, I will start paying whatever...$10, $20, $50..etc. toward these loans and specify what account number I want it to go to and with every money order payment there will be a letter stating that as well, CMRRR of course.

 

If they sue me, they sue me and I'll have an unsatisfied judgement on my CR too I guess from these Bast**ds! They can not take anything that I do not have and they can not touch my husband's stuff.

 

As I've said before, if we lived in a million dollar mansion, brand new very expensive cars, lots and lots of money in the bank and all of this was in my DH's name...they still can not take HIS stuff!!!

 

Ugh!! Every single time I come to this SL forum, it just turns into a huge argument!

 

It's not that I'm refusing to pay. It's that I can not afford what they are wanting me to pay and evidently they are denying me rehab. Now I think it has went to a new CA and I hope they are not as bad as Pioneer. I will probably receive something from them any day now and I will contact them by mail when they do send something.

 

Also, in the future after my husband advances at his job, etc. I may be able to do more. I've seen here where people are just now rehabbing loans from the 80's and such. My loans are not THAT old! My loans are like 1995 and such. So, the way I see it is I still have time if other people are rehabbing loans that old.

[TxQuiltGirl]

OK then. Why do you keep asking the questions if you've already decided that you know what it is you need to know?

 

And by the way, your family may get a LITTLE assistance in the way of grants, but they would not be able to get an SBA loan, which is what they would need to recover from a disaster such as Katrina or 9/11.

 

But I think that your questions have been answered time after time. You're just not hearing what you want to hear. You've decided that you will handle it the way you want to handle it, so I can see no reason to continue to discuss it. As you said, everytime you post, it turns into an argument.

[IAmMyKidzMom]

OK then. Why do you keep asking the questions if you've already decided that you know what it is you need to know?

 

And by the way, your family may get a LITTLE assistance in the way of grants, but they would not be able to get an SBA loan, which is what they would need to recover from a disaster such as Katrina or 9/11.

 

But I think that your questions have been answered time after time. You're just not hearing what you want to hear. You've decided that you will handle it the way you want to handle it, so I can see no reason to continue to discuss it. As you said, everytime you post, it turns into an argument.

<{POST_SNAPBACK}>

 

If I am ever put on an application for any type of this assistance for a disaster IF it ever was to occur, yes....they may deny ME individually. So, my husband would not include me on the application I guess. He would make sure himself and our child and his children are taken care of. I then would just "live with him". As I said, the house we will be getting will be in his name alone anyway.

 

SOME of my questions have been answered, but it's mainly been people "assuming" that I am just trying to avoid paying these SL's and that's not the case at all. For instance, Lynn has not told ME this info that I began this topic with. I know it's my place to search and research this and stuff, but since the poster of that thread that she told this info to was up and willing to pay, I assume that's why she told him that info. Nevermind me being harrassed like I have been by Pioneer. You think she'd at least tell me that little bit of info..but oh well. She just wants to be rude and nasty to me as the CA's have been even though I'm not trying to avoid paying. I just want a rehab payment plan.

 

I continue to post here because there's some issues that I'm still not clear on (since a down payment is not required, when Pioneer told me that it's now null and void but had given me a due date for the down payment, what am I supposed to do then?) -- see, that question has not been answered. It doesn't seem that I could just go ahead and send them the payment by the due date anyway because they never sent me the agreement. That's why I ask here and it gets all turned around and turns into an argument.

 

 

So, could someone please answer that question. Here it is again.

 

I had talked to Pioneer about rehabbing my SL's. I was told a due date for down payment but that to hold it and have agreement sent to me, I must pay $286 over the phone that day! $286 is still way too expensive for us. Since a down payment isn't required to rehab, what do I do in that situation? They told me that I will never be offered again. They would not give me an opportunity to speak to my husband. I told them I wouldn't be paying by check anyway and the only other option is to go to a Western Union w/in like an hour or so and at the end of the phone conversation it would be null and void and never offered again.

 

Well, I didn't have $286. My DH wasn't home to discuss it with him AND I'm STILL not paying by checking account.

 

Oh, and any agreement I signed btw...did NOT say anything about I ONLY can pay them by check or WesternUnion. See, that's THEIR terms that was not on the agreement. If they want it on the agreement, they need to add it on there.

Edited August 31, 2005 by IAmMyKidzMom

[freshstart101]

Since it's my post you speak of, here are my thoughts:

 

"So, could someone please answer that question. Here it is again.

 

I had talked to Pioneer about rehabbing my SL's."

 

*In reading your post, I got the impression that you did more in the way of excuses of getting off the phone then you did with dealing with the CA.

 

"I was told a due date for down payment but that to hold it and have agreement sent to me, I must pay $286 over the phone that day!"

 

*Scare tactic. I flat out would tell them I'm not making any sort of down payment, where do I send my first monthly rehab payment to? If they refuse, document it.

 

"$286 is still way too expensive for us. Since a down payment isn't required to rehab, what do I do in that situation?"

 

*See above.

 

"They told me that I will never be offered again."

 

*Scare tactic.

 

"They would not give me an opportunity to speak to my husband. I told them I wouldn't be paying by check anyway and the only other option is to go to a Western Union w/in like an hour or so and at the end of the phone conversation it would be null and void and never offered again."

 

*Scare tactic.

 

"Well, I didn't have $286. My DH wasn't home to discuss it with him AND I'm STILL not paying by checking account."

 

*So what is now the end result in your dealings with them? Nothing. Stalemate. Only they can and will continue collection. Right now as it stands, your refusing to pay, and every post you have made backs that up.

 

"Oh, and any agreement I signed btw...did NOT say anything about I ONLY can pay them by check or WesternUnion. See, that's THEIR terms that was not on the agreement. If they want it on the agreement, they need to add it on there."

 

*Honestly, your working yourself up for no reason, nor are you helping your situation. txquiltgirl and lynn both have tried to help and you have done nothing but dictate what you are going to do.

Edited August 31, 2005 by freshstart101

[LynnInMN]

It is not that I go out of my way to rude or nasty...I generally quote things factually. It is the attorney in me. However your posts are soo frustrating. You are given advise and you choose not to follow it. It all comes down to choices...you have made the choice to be a stay at home mom. You choose to not work while your child is in school so you can be available for all field trips. Your husband chooses to not list you on his income tax return so he can get a refund. You have chosen to open new credit lines on his credit and settle on other accounts. Your husband choses not to sign the papers to allow the government to check your taxes so you can consolidate even though people have told you and quoted sites showing you that this step does not make him legally responsible. Hell your husband is making out like a bandit.

 

FEMA...had you been affected by the disaster, your family would have been granted basic necessities. Food, water and very temporary shelter. Past that point you would have been SOL. FEMA is federal aid. Because your SS# is tied to your family unit, your entire family is denied. I dealt with this during Andrew and the CA quakes. With a child they require both parents SS# numbers and proof of marital status. I was out at the student aid commision shortly after one of the quakes. I saw the FEMA inquires. Back at the agency we fielded angry calls. We were told of people lying about marital status to get FEMA. It doesnt work....they wanted proof. Others who submitted fraudulent docs where audited and had pay back the funds.

[IAmMyKidzMom]

Since it's my post you speak of, here are my thoughts:

 

"So, could someone please answer that question.  Here it is again.

 

I had talked to Pioneer about rehabbing my SL's."

 

*In reading your post, I got the impression that you did more in the way of excuses of getting off the phone then you did with dealing with the CA.

 

I admit, I have avoided CA phone calls..not JUST about these SL's but about other collections and such as well...the same w/ telemarketing calls, etc. I CHOOSE (as Lynn puts it) to ignore them!

 

However, I was told on here that it is best to discuss rehab on the phone w/ the CA and that you have to ask for it.  They are not required to tell you about it unless asked.  So, I had plans to do that and they called at a VERY inconvenient time (cooking supper and helping son w/ homework, etc.) AND DH wasn't around. 

 

So, I'm not making "excuses".  No, I don't like talking on the phone...period and especially not to a CA and especially not to a CA as abusive as Pioneer.  I was very very nice in letting asking them about rehab and stuff.  I got nasty and got off the phone w/ their sorry a$$es when they started the scare tactics below -- not that I was "scared".  I know they can't take anything I don't have and they were being totally UNREASONABLE and isn't that one of the things rehab is all about REASONABLE?!

 

"I was told a due date for down payment but that to hold it and have agreement sent to me, I must pay $286 over the phone that day!"

 

*Scare tactic. I flat out would tell them I'm not making any sort of down payment, where do I send my first monthly rehab payment to? If they refuse, document it.

That is exactly what I will be doing IN WRITING and no where in the contract does it mention things can only be done by phone!

 

"$286 is still way too expensive for us.  Since a down payment isn't required to rehab, what do I do in that situation?"

 

*See above.

 

"They told me that I will never be offered again."

 

*Scare tactic.

 

"They would not give me an opportunity to speak to my husband.  I told them I wouldn't be paying by check anyway and the only other option is to go to a Western Union w/in like an hour or so and at the end of the phone conversation it would be null and void and never offered again."

 

*Scare tactic. 

 

"Well, I didn't have $286.  My DH wasn't home to discuss it with him AND I'm STILL not paying by checking account."

 

SEE ABOVE

 

*So what is now the end result in your dealings with them? Nothing. Stalemate. Only they can and will continue collection. Right now as it stands, your refusing to pay, and every post you have made backs that up.

I haven't come to my "end result" yet!  I'm still waiting to be contacted by the Ombudsman.  I DID take the initiative to come here to this forum to ask questions (which were so rudely answered).  I am admitting I have defaulted SL's that I can't afford to pay back.  I am NOT refusing to pay.  You can think what you want!  I will pay these back even if it's $10 at a time!

 

"Oh, and any agreement I signed btw...did NOT say anything about I ONLY can pay them by check or WesternUnion.  See, that's THEIR terms that was not on the agreement.  If they want it on the agreement, they need to add it on there."

 

*Honestly, your working yourself up for no reason, nor are you helping your situation. txquiltgirl and lynn both have tried to help and you have done nothing but dictate what you are going to do.

 

No, Lynn has been nothing but RUDE RUDE RUDE to me -- just like the CA's!  She hasn't tried to "help" me at all!  She did let YOU know of that little bit of information about the down payment that I did not know about..you think she told me that bit of information...NOT.  But, as I said, it's my place to research it and I will be researching everything I can find about SL's.  I will be finding out if my SL's are still w/ Pioneer or if they are now w/ a different agency.  I will kindly ask them for a copy of my contract that I signed and also an accounting of the extra fees, interest, and other charges -- how they have come up w/ the balance now.  I will also let them know in writing that I wish to rehab my loan.  In the meantime, hopefully I'll hear from the Ombudsman's office.

<{POST_SNAPBACK}>

 

 

It is not that I go out of my way to rude or nasty...I generally quote things factually. 

 

From what I've interpreted, you don't HAVE to go out of your way and that isn't what I've stated either.  It seems to just come so naturally to you to be rude an nasty.  Also, I quote things factually as well.  They can't do a DAMN thing to my DH despite what anyone here says!

 

It is the attorney in me.  However your posts are soo frustrating.  You are given advise and you choose not to follow it. Tell me, please tell me what advise I have refused to follow.  All I want is some way out of this mess.  The only advise I recall is the deal about my DH's income.  I can't FORCE him to sign it and I sure don't blame him for not.  If the tables were turned, I sure would not sign it for him!

 

It all comes down to choices...you have made the choice to be a stay at home mom.  You choose to not work while your child is in school so you can be available for all field trips. DAMN STRAIGHT!!!

 

Your husband chooses to not list you on his income tax return so he can get a refund. 

 

WE would get a bigger refund if I was listed on there, but since these stupid people will take it, he takes less of a refund and not add me on there.  Now, I've found out here about that thing that would protect him on that and we will be filing jointly this coming tax time.

 

 

You have chosen to open new credit lines on his credit and settle on other accounts. 

 

Yes, we are building up his credit so hopefully within a year or two he can get a house.

 

Your husband choses not to sign the papers to allow the  government to check your taxes so you can consolidate even though people have told you and quoted sites showing you that this step does not make him legally responsible.

 

MENTIONED ABOVE.  Now I know about the latter and we will be filing jointly.

 

 

Hell your husband is making out like a bandit. 

 

Not true!

 

FEMA...had you been affected by the disaster, your family would have been granted basic necessities. Food, water and very temporary shelter.  Past that point you would have been SOL.    FEMA is federal aid. 

Because your SS# is tied to your family unit, your entire family is denied.

 

Proof? 

 

I dealt with this during Andrew and the CA quakes.  With a child they require both parents SS# numbers and proof of marital status.  I was out at the student aid commision shortly after one of the quakes.  I saw the FEMA inquires.  Back at the agency we fielded angry calls.  We were told of people lying about marital status to get FEMA.  It doesnt work....they wanted proof.  Others who submitted fraudulent docs where audited and had pay back the funds.

 

 

I tell you what.  I WILL pay these loans back, somehow someway.  My husband doesn't wish to be any part of it and I totally understand.  IF it takes it, for my husband and child's well being, we will get a divorce.  Then, I guess we will just "live together".  I don't know what else because there's NO WAY EVEN if I had a job that I can pay our current bills (especially w/ a house payment in the near future) AND pay a $50K SL.  I WILL NOT allow my child to be denied any sort of emergency funded should that come up and if it means divorcing my husband to do it....YES I will do that!  Again, my child is more important than any marital status or any SL's!

<{POST_SNAPBACK}>

Edited August 31, 2005 by IAmMyKidzMom

[IAmMyKidzMom]

Yes you did, but I'm not sure you read what I said. You're not listening to what's being said.

 

Recent information that I've received suggests that, should you go through something like Katrina - any kind of disaster where FEMA would be able to give you a hand - you would not receive a dime. Nor would your husband. This would be an unfortunate situation to be in, would it not? I know that you care deeply for your children, but your situation could prevent you from one day receiving help you may need for them. It really is in your best interest to do everything you can to get this situation rectified as soon as possible.

<{POST_SNAPBACK}>

 

 

I do not see how my husband could be denied something such as this IF it were to happen. I KNOW my child would not be denied. Please show me some sort of proof that because of MY defaulted student loans, which I signed for BEFORE we were ever married, how HE and my child would be denied something such as FEMA, etc.

 

Oh, and this is what I'm talking about....they think they're God and they're really the DEVIL. Forget EX being Satan....SL people and the Federal Gov't or whomever came up w/ the laws for their not to be an SOL on SL's and SL's can't be discharged in BK, etc....they are ALL Satan!

 

ETA: Oh, and I am "listening" (reading)!!! Some of things stated here are totally WRONG (such as my husband being responsible for this debt).

<{POST_SNAPBACK}>

 

 

Show me some proof of this, please.

[permafrost]

txquiltgirl wrote,

 

"Recent information that I've received suggests that, should you go through something like Katrina - any kind of disaster where FEMA would be able to give you a hand - you would not receive a dime. Nor would your husband. This would be an unfortunate situation to be in, would it not?"

 

 

Could you share that info? Or the source.

 

Pretty sure it is absolute BUNK.

 

pf

[IAmMyKidzMom]

txquiltgirl wrote,

 

"Recent information that I've received suggests that, should you go through something like Katrina - any kind of disaster where FEMA would be able to give you a hand - you would not receive a dime. Nor would your husband. This would be an unfortunate situation to be in, would it not?"

 

 

Could you share that info? Or the source.

 

Pretty sure it is absolute BUNK.

 

pf

<{POST_SNAPBACK}>

 

 

That's exactly why I asked for proof.

[TxQuiltGirl]

First of all you don't make friends by calling their posts "absolute bunk."

 

Secondly, it only takes a little COMMON SENSE to know that FEMA is a federal agency. DOE is a federal agency. Federal agencies share information.

 

As Lynn stated, you can get the BASIC necessities from FEMA should you have a disaster. But an SBA loan to rebuild your life? Come on. You can't seriously think that the federal government is going to give you more money when you already owe them thousands in defaulted SLs.

 

Get real, folks. It's time you get your heads out of your posterior and start thinking with it rather than using it to grow hair.

 

I'll see if I can find the link you so desperately crave, though, but it might take time. I am at work and I have children to raise, too.

[IAmMyKidzMom]

First of all you don't make friends by calling their posts "absolute bunk."

 

Secondly, it only takes a little COMMON SENSE to know that FEMA is a federal agency. DOE is a federal agency. Federal agencies share information.

 

As Lynn stated, you can get the BASIC necessities from FEMA should you have a disaster. But an SBA loan to rebuild your life? Come on. You can't seriously think that the federal government is going to give you more money when you already owe them thousands in defaulted SLs.

 

Get real, folks. It's time you get your heads out of your posterior and start thinking with it rather than using it to grow hair.

 

I'll see if I can find the link you so desperately crave, though, but it might take time. I am at work and I have children to raise, too.

<{POST_SNAPBACK}>

 

 

I'm not disputing the fact that I would not qualify, but I need the proof that my husband and child would be denied because that just sounds totally ridiculous to me!

Edited September 1, 2005 by IAmMyKidzMom

[permafrost]

Txquiltgirl says,

 

"Secondly, it only takes a little COMMON SENSE to know that FEMA is a federal agency. DOE is a federal agency. Federal agencies share information."

Hey guess what?

 

It is illegal for Federal Agencies to share information.

 

Still waiting for that information.

 

pf

[LynnInMN]

Still waiting for that information.

 

Good for you. Like I am going to waste my time to rushing to provide information for someone as rude as you.

[TxQuiltGirl]

Permafrost, you're pushing your luck. Back off or suffer the consequences.

[radi8]

It is illegal for Federal Agencies to share information.

 

 

<{POST_SNAPBACK}>

 

 

Really?

 

# The Internal Revenue Service and the Social Security Administration share personal information about American citizens.

# The Social Security Administration and the Health Care Financing Administration share personal information about American citizens.

# The Postal Service and the Department of Labor share personal information about American citizens.

# The Department of Justice and the Department of Veterans Affairs share personal information about American citizens.

# The Internal Revenue Service and state social services agencies share personal information about American citizens.

# The Department of Health and Human Services and the Department of Education share personal information about American citizens.

# The Social Security Administration and the state courts share personal information about American citizens.

 

For the 18-month period from September 1999 to February 2001, federal agencies announced 47 times that they would exchange and merge personal information from databases about American citizens.

 

 

http://www.privacilla.org/releases/Governm...ata_Merger.html

 

 

 

 

 

 

The Computer Matching and Privacy Protection Act of 1988 (and the amendments of 1990) allows Federal agencies to conduct database matches pursuant to written agreement of the agencies involved between any set of government agencies.

You've agreed to that information sharing when you signed the loan documents.

Read them.

[radi8]

8. What would disqualify me for the SBA loan program?      

 

If any of the following items apply to you, it will not be possible for you to obtain an SBA loan. However, there may be other reasons than listed below that would preclude you from obtaining an SBA loan, e.g., your business doesn’t qualify as a small business. If you’re unsure, call or e-mail a First Northern Bank SBA Lending Expert today.

 

Listed below are guidelines that could disqualify you for SBA financing:

 

    * I am not a U.S. citizen and do not have an alien registration card.

    * I do not independently own my business (the business has other owners who will not be part of the application).

    * I own a not-for-profit business.

    * My business exceeds the SBA size standards.

    * My business (or proposed business) is engaged in gambling activities.

    * I am currently on parole or probation.

    * My loan would allow for speculation in any kind of property.

    * My business engages in lending.

    * My business is not available to the general public (enforces restrictive patronage).

    * My business or I have defaulted on a previous Federal Government debt (including student loans)

 

http://www.thatsmybank.com/personal/LoanQuestions.asp

[permafrost]

I guess I'll suffer.

 

I strongly object to individuals who present information that is unsupported and generally threatening in nature.

 

It is wrong and the individuals that portray some higher knowledge of these so-called facts are just a sad group of collector wanna-bee's.

 

pf

[fla-tan]

I guess I'll suffer.

 

I strongly object to individuals who present information that is unsupported and generally threatening in nature.

 

It is wrong and the individuals that portray some higher knowledge of these so-called facts are just a sad group of collector wanna-bee's. Who are you referring to with this inane statement?

 

pf

<{POST_SNAPBACK}>

 

permafrost

 

You are about one more asinine statement from being suspended from this board. I would strongly suggest that you follow the advise of the management here. Whether you or any other poster here likes the accurate information being provided is not important, the FACT is that correct information (along with some inaccurate information) is being provided. It is yours and any other member's choice to listen or not. However, if you have nothing intelligent to contribute then SHUT-UP. I have yet to see one post from you that has contributed anything to any thread.

 

 

fla-tan