tammy5992001 asked:


The question I asked was about how can I get help with my student loan; however, if people can’t answer my question with straight answers why say anything at all? I know I have to repay them, the loan did come to me at all anyways they went to the school I did get anything out of these loans not even a financial-aid check! I have never been to a school where they take your money. You know the FBI is doing an investigation on this school called ITT Technical College, but I did not find this out until after I left the school. look it up on-line if no one believes me. Where do I go from there? I have written letters to the gov. or someone I thought could help me I guess I was wrong huh?

Credit Card Debt

joystar8 asked:


NCO Financial letter, regarding student loan, states “We are in the process of reviewing your financial background to determine if you have sufficient assets to pay…” I reside in North Carolina. Can they take money out of my bank account? There is no judgment that I am aware of. The only asset I have is a bank acct with less than $1,000 to cover my bills–except for an old car, worth nothing. Should I close my checking acct? or keep minimal balance? I’m hanging on by my fingernails financially as it is, self-employed, living hand to mouth. I don’t want to close my bank account, but should I? Thanks for any help from someone who knows the law in North Carolina on these matters. Appreciative of any information or advice from someone with knowledge and experience. thanks!

Consolidate Credit Card

derbs10 asked:


I am 15,000 in cc debt and 89,000 in student loan debt, both federal and private loans. I did loan consolidation for my student loans, but cannot pay all of the debt that I have. I am not behind as of right now, due to the fact that I deferred my loans. I pay the minimum amount on my cc’s. I dont own a house or even my car, its a lease. I dont know what to do. I looked into bankruptcy online, and found that if you can prove undue hardship with your student loans, they could be filed a well, its just not as easy as it used to be. I dont know how I am going to pay everything off. I do not spend as much as I used to and do not use my ccs anymore. I am a teacher and do not make that much income. I also looked into cc consolidation companys but have heard nightmare stories about them taking your money and not making the payments. Any advice would be greatly appreciated on how to control and pay my debt. Thanks!

Pay Off Credit Card Debt

Bo B asked:


I have student loan debt, but I really want to buy a car. With the money I saved to buy a car, I could pay down alot of my debt, but that would mean going another year without a vehicle. What should I do?

Consolidate Student Loans

dusk_35 asked:


I e- filed and checked the website for the state today and my refund was taken for a third party debt? I don’t have any student loans or back taxes. So the IRS website gives me a date of deposit for my Federal return. Can a third party take that money?
I also don’t owe any back child support.

Bad Debt Consolidation

I can see you asked:


I have four student bank accounts, with maxed out overdrafts and one maxed out credit card. My parents can’t afford to help me out. I only earn £55 a week, and can’t find another job. My rent and bills are due in the next two weeks, and I have no money at all. We are talking a total of £600 – £700 due. I am pulling my hair out I am so stressed over this. Can anyone offer me any advice?

Bad Debt Consolidation

Vanessa asked:


There is only one bad thing in my credit report and that is one student loan that is in default. I took this student loan over 6 years ago. It has been hunting me every since I drop out of College. I have made efforts to pay it, but I have been unemployed for a year now. The last payment I made was a year ago and I just received a letter saying that it is still in default status. I called the collection agency and told them my situation. I am unemployed, currently staying at home with my kid while I take classes online to get my degree. I told her we do not have the money to pay the balance. She wasn’t very helpful. I even told her that I want to make the effort to make payments, but I need a job and I can’t find one at the moment. I told her I will start making payments as soon as I start working.
Anyway, I was wondering if it’s possible to make a debt consolidation with my loan and my husband’s student loan. His student loan is also in default.
Any good info will be appreciated.

Private School Loan Consolidation

Bruce Z asked:


Since my son became disabled, his student loan defaulted and they actually take money from his social security check each month. The loan cancellation process is quite time consuming and still in limbo until all paperwork is done. Does anyone know if Dept of Ed takes the stimulas pymt?

Pay Off Credit Card Debt

Kat asked:


I know someone who has successfully hidden from their student loan for years. They got married (so their last name changed), haven’t worked, and moved quite a bit. This person actually has the money to pay and lives the high life because of her husband’s income. It really isn’t fair to anyone – how would I go about notifying someone. I believe these were all federal loans. She is thinking about getting a job so maybe it will just catch up to her once she starts working.

Consolidate School Loans

jiygfk asked:


Ive been doing a lot of student loan research and apparently there is a new movement of people trying to get their student debt wiped away, so that their money can be freed up to be spent, thus stimulating the economy. How do you feel about it?
i agree completely

Personal Debt Consolidation