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.

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.



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.

I responded earlier to your post in that other thread.

Thanks for the link BTW...

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.

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).

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.

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.

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.

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.

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.

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.

Show me some proof of this, please.

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

That's exactly why I asked for proof.

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.

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!

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

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

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

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.

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

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

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

You my dear, it all about you.

This board has nothing for me bye, bye.

Buh bye.

Your request has been granted D******g.

Thanks, radi8.

I know that I (the person that defaulted on a SL) can not get the SBA financing if something were to ever happen, but I would still like to see any proof (that has been suggested here) that MY HUSBAND AND MY CHILD would be denied such things as SBA financing and FEMA and such. I will refuse to believe that unless I see it. Everything I have read about qualifying for FEMA does not mention this.

Hopefully nothing will ever happen where it might be needed, but you never know.

I don't mean for there to be such a debate here or anything, just since it has been said to me that my husband and child would not qualify for such, I would like to see proof of it.

Let me add my two cents...

I don't have the documents in front of me...but my mother is currently receiving a SBA loan for damages to her home from last year's hurricane. The SBA loan process is long and thorough. My mother had to submit her tax returns, mortgage information, savings, checking account information, list creditors. She had to list her marital status (widowed in her case) list any dependents, etc. The SBA even knew about her retirement accounts and asked about a 401k she had redeemed. They also checked into her homeowner's insurance and made sure it was adequate. BTW...they ask for collateral if the loan is above $9,000.

I don't see how your husband could apply for something and not include you. You are his wife and most likely his heir along with any children. There is an entire legal department within the SBA that reviews the docs.

BTW...what we found out was that you really don't receive any funds from FEMA contrary to what you hear and anything you receive is offset by what you get from SBA. My mother received a check from FEMA for a chainsaw she had to buy and then a few months later, FEMA demanded she return the money. Everyone in this area got a letter from FEMA asking for the money back. If you have any damages from a natural disaster, you will either have to go through the SBA or hope you have equity in your house so you could take a home equity loan or 2nd mortgage. Yes, insurance does pay, but everyone in this area had their insurance companies low ball their repairs. My mom had a $4,000 deductable and they put her damages at just below $4,000. Other people had estimates of needing $30,000 or more in repairs and their insurance came through with $9,000.

flcleo, you're absolutely correct - he can't apply for something and not include her. It's not that hard to believe, but apparently some doubting Thomas's need to see things in black & white instead of using their God given common sense to figure things out.

Quilty

It does not matter to some people how much documentation or commonsense you put into a post. Unless the response fits their preconcieved desired response, they are not going to believe you. People like that are really not worth the limited amount of time that you have available. It is not hard to do even a modicum of research to find out what the government requires, however, some are not willing to do even the smallest amount of self work to get the truth. And I don't mean as they want it to be but how it really is.


fla-tan