I am copying all of my documents to send to CA (GC Services) to rehab my student loan. I thought I should ask a question before I do though. I have a copy of my lease that has my landlord and her office address and phone number on it. Should I cover this up when copying. I do not want the CA harassing her trying to get a number on me. I have sent a limited C&D to CA already for me. Would my C&D cover my landlord and my employer? Thanks in advance for your advice/recommendations.

Also, I consolidated before I went into default. Is rehad still possible?
I sent to CA some time ago and they never validated and have stopped sending me letters. Does this also mean they can't contact anyone until they have validated. The CRA sent me a letter saying that it was validated and it belongs to me. Now I have to write them a little letter telling them that this is not right. The drama continues. Thanks for all of the help from you guys. I really appreciate it.

I'm confused. From your last comment, it sounds like you have not yet entered rehab or set up a rehab agreement but your first post said you were sending documentation to the CA to enter rehab. Have you actually contacted the CA about rehab, or just sent them validation letters?

Student loan CAs work a bit differently than other CAs, so the usual credit repair techniques are different too. While you are sending validation letters, the CA can most certainly continue collection activity, garnish your wages, or take your tax returns. However, by law, the CA is required to let you enter rehab. So don't be afraid to just contact them and ask for it.

I'm guessing from your post that you consolidated your loan some time ago, then defaulted later? If so, then you need to set up a rehab agreement.

On the question about your lease agreement and your landlord - why are you sending a copy of your lease to the CA? You said it was for a rehab, then later you said you hadn't heard from the CA. Don't send anything to the CA. Just get the rehab agreement and you won't have to worry about the rest.

Sorry to be so confusing....the dept of ED sent me a packet that asks for all of my financial info (i.e., expenses, income, etc.) and in bold print it said I need to provide documentation for the expenses along with my last 2 check stubs.

I sent several requests to the CA for my student loan and all I ever got was, "it is hard to make meaningful payment arrangements through the mail, please contact us at the phone number listed above." So, I contacted dept of ED and she sent me a packet to complete to fill out and she would send over to the CA.

Thanks for your advise.

Ahhh ok - that's more clear.

Definitely just keep working with the Dept. of Ed. They will indeed forward this info on to the CA. Don't worry about the CA bugging you or your landlord - rehab does provide many protections.

Did the DOE specifically state the type of documentation you need to provide? If you are sending your lease agreement, then I'd redact any info not relevant to the issue. Really, they just need to see how much you pay each month in rent to verify your statement in the financial worksheet, right? I'd redact everything but the company name, your name, and the lease amount.

When I did rehab, I just had to fill out the financial spreadsheet - they never asked me for pay stubs or lease agreements or whatever. I'm glad to hear that the DOE is working with you. I am sure that it won't take long to get your rehab agreement set up and then everything will be fine.

Keep us updated.

I have successfully rehabilitated 2 loans with the DOE and never filled out any paperwork. I have other loans that I'm rehabilitating through General Revenue Corporation and they want me to sign a "Rehabilitation Agreement" saying that I agree to the absurd collection costs. I have refused to sign this so far as it is not required by the Higher Education Act. I have 2 months to go and than I might just bite the bullet. When I set up payment with each organization they were happy with me paying 1% of the balance each month. You might want to go this route unless you're doing an income contigent plan.