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.

The place where I bought my car (used) uses them, it shuts off after 5-6 days late, not one. My dealer it's very effective because they don't cheques,, just cash or money orders. I paid them off in two payments, I hated that stupid thing.

I thought it was just me

Can you get a second PT job (server, cashier) for a few months to help you along?

Get a PT job that would only go towards the loan payments

Double up on your payments, that's how I'm doing it

ING, CapOne, HSBC, Citibank, eMigrant

I have 64k in SL debts that I will be paying, with no degree to show for it. Stupid yes but live and we learn. I think you should worry about paying off your debts before saving for your children. They can always go to a really good instate school or a CC first and then transfer, thus costing you less money (it's what I should have done anyway) You don't want your kids to be saddled with your debt and theirs later in life. They are still very young so concentrate on mum and dad.