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  1. tralston3838

    Way up, Way down, how to rebuild.

    The creditors can only sue you in a certain period of time. It's the statute of limitations. What state are you in? You're already a couple years in, so I don't think bankruptcy is your best option, at this point. Keep in mind, that even though your judgement proof, some creditors might still sue you. Sent from my LG-M150 using Tapatalk
  2. tralston3838

    Partial Perkins Default?

    Wow! What a circle they have you going in! See if they will send you something in writing, so you can take it to the school and have your transcripts released. If the school still fails to release your transcripts, get a lawyer. Maybe even the states attorney. Sent from my LG-M150 using Tapatalk
  3. tralston3838

    Rehab a student loan that has wage garnishment?

    How many federal student loans do you have in default? I'm not sure how rehab works after wage garnishment, but I don't think they stop the garnishment. They might after on time payments for 3 months. The best thing to do, is call and ask your servicer. Even if they don't stop the garnishment, they might sign you up for rehab using your garnishment as the payment, or your rehab payment would be as low as 5 a month. If you need the garnishment to stop now, you could look into consolidation. Doesn't help your credit like rehab, but the garnishment will stop once the loans are consolidated, and they will put you in an income based repayment plan were your payment could be as low as 0 a month. Sent from my LG-M150 using Tapatalk
  4. tralston3838

    Partial Perkins Default?

    They can't legally put it on your reports now. You now have paperwork from the school that should show when it defaulted. If they do put it on your report, you'd have a solid case against the CA for re-aging the debt. Call the CA, and request the payoff amount in writing. Then pay it. Did they say who the CA was? Sent from my LG-M150 using Tapatalk
  5. tralston3838

    Navient Student Loan

    Glad we could help. If the Navient loan isn't listed, at all, on the nslds site, then yes it's private. If it IS listed, it may not have been included in the consolidation. Keep in mind, Navient is the servicer, so if you have loads you've defaulted on, you'll have to click on those loans to make sure navient isn't the servicer. If they're not listed any where on that site, feel free to start a new thread, so we can help you with your specific situation. Include details, such as when you defaulted, what state you're in (if you don't already know the dofd), etc. Sent from my LG-M150 using Tapatalk
  6. tralston3838

    Partial Perkins Default?

    Sorry. Just reread and saw where you did the consolidation with ACS. They should still have records of your consolidation. It's not unheard of for either them, or the school, to have made a clerical error when dealing with pay off amounts and consolidating. However, with such a small amount now being defaulted, without them coming after it for this long, and the roadblocks with nslds and fsa, sends numerous red flags. I wish you the best of luck getting this figured out, and please keep us posted. Sent from my LG-M150 using Tapatalk
  7. tralston3838

    Partial Perkins Default?

    Sounds like you have a good game plan. Stop into the school, and see if you can get records of your account. You might need them in the future. I would also talk to someone to see if they can recall the debt and pay them directly while your there. If not, call ECSI while still there. There should be absolutely no reason you have to reconsolidate if you're willing to pay the balance outright. Also, if you have to pay to ECSI, try to get something in writing thatyou no longer owe anything. Was Sallie Mae who you did the consolidation through, that short changed the school? Try to get as much info as you can, in case they do try to put it on your report, or garnish you. It might also be a clerical error on the schools end, that you can get figured out while there. As for nslds, regardless of you are in default, you should still be able to get on it. Have you tried chatting with someone else on the site? Or did they give you a number to contact ASA? That's part of the point of the site, to give you that info. If you can't get this resolved while at the school, the ombudsmen would be your next step. Since you're hitting road blocks every step of the way, when you're trying to resolve this, you might look into contacting your states attorney General. Sent from my LG-M150 using Tapatalk
  8. tralston3838

    Partial Perkins Default?

    Wow. Sounds like a nightmare. Do you by any chance live near your undergrad school? Did you try calling the company the school told you to? There should be a way to contact the ombudsmen. The fact that you can't get into the nslds or fsa sites send up red flags to me. It might be wise to also contact your states attorney. A few states are going after sallie Mae and navient for horrible service, and this sounds like Sallie Mae dropped the ball. I don't think that it will show up on your reports after all this time. That's not to say that they won't tryto garnish your wages or take your tax return. It might have been 500 13 years ago, but there's no telling what it's ballooned to now. I'd also try to contact Sallie Mae and your current servicer for any and all records of your account. Sent from my LG-M150 using Tapatalk
  9. The best thing you can do, is to call your servicer. Explain the situation. Some servicers might remove the lates, or delete the tradeline. Some won't. However, you don't want it to go to default. The worst they can say is no. Sent from my LG-M150 using Tapatalk
  10. tralston3838

    Can I EVER get a mortage with UNpaid private student loan default?

    I would love to know how they're dealing with the student loan. I'm in a similar situation, but I defaulted 5 years ago, and my scores are still too low. Sent from my LG-M150 using Tapatalk
  11. tralston3838

    Can I EVER get a mortage with UNpaid private student loan default?

    That's amazing, and really does give people hope! Thank you for posting the outcome. Sent from my LG-M150 using Tapatalk
  12. If you want to check if they're already consolidated, you can go to the national student loan database. It will list every loan you've had, who has it, and the interest rates. If it's not already consolidated, it might be a good idea to consolidate to lower the interest, even the Navient ones. Sent from my LG-M150 using Tapatalk
  13. tralston3838

    Can I EVER get a mortage with UNpaid private student loan default?

    No. No lender is going to take the risk, especially only 2 years ago. Since it's private, it'll come off your report in a few more years. They will probably take you to court, though. Sent from my LG-M150 using Tapatalk
  14. Hi, and welcome. They might not report it. GC Services didn't report mine, but the OC and guaranty agencies did. Your best option is to rehab your student loan, especially if it knocks off their fees. It will also remove the default notation, which helps your credit. Some have also had luck getting the lattes removed, too (YMMV). You want to get started on it asap, as they will take next year's taxes. If there's a guaranty agency involved (not CA), they'll report it when they pay out. They won't pay out if you're doing rehab. Sent from my LG-M150 using Tapatalk
  15. tralston3838

    Central Credit Services Collection

    Hello! First, you want to get the actual paper reports directly from the CRAs to get the full account numbers, and date of default. You wantto make sure it is the same loan. Navient usually only services federal and private loans, not necessarily loans directly from the school. Also, Navient has been known to not keep the best of records. Also, check the nslds.ed.gov site to make sure there wasn't two loans taken out at that time. Many times, with fafsa, it may look like you're only taking out 1 loan, but they'll split it into two or more loans. The nslds site will also show when the loan was taken out, status, and who is servicing the loan. The sooner they are able to verify themselves it's the same loan, the better. The school can start garnishing wages and tax returns at any time, with no judgement needed. If it's not the same loan, your friend needs to contact the OC directly, and work out payment arrangements. Certain student loans can also stay on your report, and be garnishable, until paid in full. Please keep us posted. Sent from my LG-M150 using Tapatalk

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