student loan is from 1993. i hae been a SLC,UT RESIDENT FOR 48 YRS.;involved with the law, incarcerated at both the sl cnty jail and the utah state prison. my WHERE-A-BOUTS have been documented several times, to where the student loan people could find me easy enough.  i have NEVER received , n a notice to pay these loans, NOW THAT I  have straightened up my life and am now a fulltime  employee, the garnishment is in affect.I contacted the student loan people.requested by fax, areduction of garnishment. Responce was to be 8-12 wks.no responce. call'd back,they had wrong address.i never recv'd anything about a hearing,a form to fill out,"0"!. then aroung 12/15/05 they sent me a letter stating that i had exceede the time limit for?????whaterver.  I don't even know what they are talking about! so I'm trying to find out what my rights are.
137095
The student loan is valid.  There is probably nothing you can do to remove the liability.  It used to be death and taxes were the only two inescable things, now it is death, taxes and student loan repayment.\n\nAbsent an ability to prove undue hardship (I'm afraid jail and prison don't count), it is difficult to get a reduction in your student loans.\n\nYour best bet, because the garnishment sounds like it is having a harsh impact on your existence, is to at least consult a local bankruptcy attorney.  The bankruptcy won't get rid of your student loans, but it could restructure your payment for the next three to five years, to give you a little more breathing room.\n\nGood luck.
545184
Sometimes student loan payments may be deferred for 12 months or more.   I don't know if it continues to accrue interest during that time, but at least the payments are postponed until you can get your feet on the ground.  \n\nAre your students loans through Sallie Mae?? They have a website that can help you or call them directly.  www.salliemae.com \n\nIt is not their responsibility to find you a job.  There are plenty of resources to help you do that on your own.
397429
CarCraze --- you are wrong, sorry to say\n\nWhat you have there, my dear, is a bona fide Court Order for you to appear in court to answer to a Motion to Collect a Debt. If it is on Court paper and has a case number, call the Court to confirm the Docket Number, and find out when the hearing date is.\n\n\nYES, they do have that power.\n\nYES, That is the equivalent of a Subpoena.\n\nIf you "just let it ride", as you say, don't be surprised when you open up your paycheck and you find a good chunk of it GONE !\n\nWhat you should do:\n\nSeek legal counsel (get a lawyer) and come up with a manageable payment plan that is both satisfactory to your creditor, and workable for you.\n\nDON'T HESITATE - you will regret it.
584994
Utah has a loan forgiveness program, of a sort, for college students who become teachers. It's called the Terrel H. Bell. It's available for a total of 8 semesters. Once out of college, the person needs to teach for six months for each semester they used the TH Bell. If they do not, they have to pay back the semesters used.
626595
You'll have to talk first to the payroll person. Take your time records to them as proof of the time owed. If they refuse to pay in full then, you'll have to file a suit in small claims court.  If/when the judge finds in your favor, it will be a legal ruling. The court demanding this company to pay what they owe. With this being official, they've got to pay or face further legal action from the court. You'll have to power to then to file liens, or sieze funds from their accounts.  You may also be able to sue for your financial debts that are a result of not being paid. (Ie: overdraft charges, etc.)\n  I'd be quick about it though. Not paying, is a big red flag. The company may be about to file bankruptcy. If so, you'll have a much harder time, and may not see a dime.
277202
Read the link below.  It discusses what the statute of limitation is, and what the length of time in your state is.  Most states run 4-6 years, but some are more.  So look at the link.\n\nThe very first thing you need to do is send the collection agency a "demand to validate".  This is a demand that they send you proof that you have a legal obligation to pay this debt.  They must send you copies of contracts, bills, receipts, and everything used to calculate what they claim you owe.\n\nInclude in this letter a statement that you do not believe this is your debt, and tell them you expect some proof.  Also remind them that posting unvalidated reports to your credit history is a violation of the Fair Credit Reporting Act, and they can easily be sued in small claims court for $1000 if they try to do it.\n\nAlso include wording to the effect that they must cease and desist contacting you.\n\nSee the link below for a sample letter you can use.\n\nIf you have not checked it recently, get a copy of your credit report and verify that they have not posted anything on your history.  You can get a free copy by going to http://www.annualcreditreport.com\n\nContact me if you need further advice or encouragement.
394048
CheckSmart is feeding you a line of bull$h!t.  As long as you are making a reasonable effort to pay off a just debt they CANNOT turn you over for collection (under the Fair Debt Collection Act)and they sure as heck CANNOT have a warrant issued for your arrest if they can't prove that you deliberately committed bank fraud.  \n\nHere's what you do:  Get the name, address, telephone number, and FAX number of the manager of the Columbus CheckSmart office.  Write him/her personally and explain the situation.  Be sure to FAX a copy to them ASAP and make sure you keep a copy of the letter.  Let them know that you're willing to pay the debt but you simply can't hand over that kind of money right now because you got scammed out of a huge chunk of money yourself.  Send the original via UPS or FedEx so you can ensure your letter makes it there before noon on Friday.  If you don't hear from the manager by Friday, call on Monday and ask to speak to him/her.  If this person is not willing to accommodate you, that's when you start playing hard-ball.\n\nIf the manager says he/she is going to get a warrant sworn out for your arrest, then tell him/her your lawyer will be in court the very next day filing a damages lawsuit against CheckSmart for wrongful prosecution, and that he/she will be named as one of the defendants in the suit.  \n\nIf the manager demands payment in full, tell him/her that you will pay what you can on a schedule but that's all you can do.  \n\nIf he/she tells you that's not acceptable, your reply is that you're not asking -- you're telling him what you can and will do and he/she will just have to live with it.  And if he/she has a problem with it, encourage him/her to read up on the Fair Debt Collection Act.\n\nYou should probably contact a lawyer as well.  Look in the Yellow Pages for attorneys that give free initial consultations.  You might get someone who will take your case pro bono (for free).\n\nGood luck!
307404
Don't worry they will figure it out and demand it back right away.That happened to me with a student loan one time but I didn't take the money I called them and told them about it because I knew they would figure it out and I would have to pay it back right away, best to not touch it and let them know.
649534
You will always owe them until you pay.\n\nYou should not be thrown in prison/jail for inability to pay rent.\n\nThey may be able to garnish future wages if they can find you.\n\nWhy don't you mail them $10 / month until it's paid, then you are showing that you are trying to pay off the debt.
668146
Actually I work for a company that consolidates student loans, I can help you. Call 1800 710 0114 first thing monday morning and ask to speak with Yvette. \nI'd be happy to help you and anyone else you know that needs help locking into to the interest rate for this year. Good Luck!!!!
658256
Everything seems ok.\n\nDeadlines are floating - if you miss one deadline, then you might just have to pay your tuition for that term, but your loan will still be processed and given to you as soon as possible.  But usually a deadline means to get money by this date (say Aug 1rst), your file has to be completed by the due date (say July 1rst).  But if you send it July 2, you will still get your money, just one day later than if you turned it in July 1rst.\n\nOnce I was a couple weeks late on my fafsa and had to  pay the tuition, but a couple weeks after paying my tuition I got all my loan money, but it turns out I didn't even have to pay my tuition if I didn't want to cause the financial aid office knows if a loan disburstment is getting sent my account.  \n\nJust ask these questions to your financial aid office, my guess is you'll get your money in time.
347352
This unfortunately is just life. Do not loan anyone money or housing or food or anything else that you can't afford to lose, because you will be disappointed this way. Next time you get into a deal like this, have the other party sign an agreement (at least you will have it in writing). That won't get you paid, but it will make it easier to pursue should you choose. You will find that it is best to avoid these situations entirely. \nNow, that said, you could send him a bill (do this on your computer - make it neat, and then print him a copy). Mail it to him and be specific what the charges are for (dates of the stay, etc). Give him a phone number to call to discuss it. Mail by registered mail requiring an acceptance signature. If he does not respond by phone, send another letter the next month (same rules). He may just get tired of it and pay up. If he doesn't pay up, you will have a little documentation to rest charges on. I don't know how much we are talking about here, but it may be better to just chalk it up to experience, and be smarter next time. I have had to do that a few times as lessons learned. Good luck with your problem - hey, at least you don't still have the moocher living with you.
347195
What do you owe money back for?\n\nIf you have prior student loans, you will qualify for an in-school deferment if you go back to school in at least 6 units. Once you are enrolled, contact your lender and they can mail you the deferment application. If your loans are already defaulted, then the deferment will not be an option. If you have defaulted student loans, you must resolve the default before you will qualify for any other type of federal student aid.\n\nIf you owe back for Pell grant from a prior semester, you will not qualify for a federal student loan (or any other type of federal student aid) until that overpayment has been repaid. Even if you are going to use the funds to pay back your prior debt, the school will still not fund you if you have an overpayment on your record because you do not qualify.\n\nSo, unfortunately, your answer is NO. Unless you take out a private loan at a bank.
546751
Please ignore the above answers.  Another batch of people who guess at answers and won't take a moment to do some research.\n\nHere is your problem.  Protesting to the credit bureau does no good.  All they are required to do is check with the court and verify that there is a judgement on record (and there will be).  They will also check the status.  If it shows that it's not been satisfied, your credit history stays uncorrected.  \n\nYour job is to get this information corrected with the court, but it's going to require action by the creditor to do it.  And as you say, your creditor is being a jerk.\n\nYou need to do some simple research of your state laws.  Going to the court and asking the clerk's will not help because they are barred from giving you legal advice.\n\nLets take Michigan for example (see the law below).  The creditor is REQUIRED to report the discharge of the debt, or face contempt action by the court.  As you can see, in Michigan you simply send the creditor a certified letter demanding that they fix it.  If they don't you can sue them for $300 plus damages.  \n\nDo your research.  Maybe a local attorney will spend 5 minutes on the phone and tell you the local laws.  But I will guarantee you that every state has court rules that require the creditor to properly discharge their debts.
651360
Hey icemike.  Sad but ramrod may be right.  I had to take a former co-worker/friend to small claims court.  First you have to go to the closest district court (probably to where the modeling agency is in this case or maybe to your house) and fill out some forms (need to explain the issue, need to know the address/phone number etc of the modeling agency,etc) and pay a filing fee (it may be around $70 and the defendant is forced to pay this back to you if you win the case).  My case was a couple of months after I filed and the defendant never showed up so I automatically won the case.  Tried having their wages garnished but they quickly quit their job.  Next I tried to have any bank savings seized but you needed to know where they banked (luckily I did but they didn't have any cash).  Then I went back to the court to seize any property (car/real estate/etc) that the person owned but the court could find nothing (car was leased, house was in exes name,etc.).  Each step I took was @$75 more and a year later I still haven't collected anything of the $3,000 verdict (the max in Michigan small claims-defendant actually owed $5,000 but I didn't want to bother with lawyers and a longer court process) plus the increased costs of each attempt to collect(technically the defendant will have to pay all these fees too). Basically, the defendant skipped town and it has become my responsibility to track defendant down (believe me the court has been absolutely no help); I have 20 years or more to collect (plus interest is supposedly accumulating on the amount owed) but right now I don't see that happening.  You may want to go file a complaint with a government agency like the Better Business Bureau instead.  Another thing is to look at the contract, it may not say any jobs are guaranteed and, in that case, your friend is probably screwed; I know recently a "modeling agency" notified me to come work for them as a "scout" where basically people paid you to register them as models but no work was ever guaranteed for these people; it sure sounded like the "agency" was scamming both the "models" and "scouts" because the agency took a good cut of the money and probably left the scout with all the legal liabilty.  The only other option I can suggest is to go to the modeling agency, if they actually have an office nearby, and tell them you are going to protest/picket(I'd check with the police or someone first to see how to do it legally) and or possibly put an ad in the paper(s) explaining your dealings with them to the public(I'd see a lawyer or someone before doing it though to make sure you can't be sued for slander).  Perhaps the possible negative press/scaring away of further "customers" will be enough for them to give you your money back. Good luck!
288529
do you have any kind of written contracts, or promissory notes with any of the people who owe you? \n\nif you don't, and all you've got are verbal agreements (with no witnesses), you're pretty much out of luck. sometimes verbal agreements are as legally binding as written ones, but since you can't afford a lawyer, you can't really start to pursue these people in court anyway.\n\nthere's nothing you can do to recover your money, i guess. naturally, some people will suggest to you to just "start breaking legs" or possibly stealing from these people and holding their stuff for ransom, but i don't think any of those tactics will help.\n\nrepeated attempts to convince or coax them probably won't work either, since they're already blowing you off. also, be aware that aggressive, repeated phone calls and house visits can possibly get you in trouble for harrassment or stalking.\n\nnever, ever, ever give people money. but if you're sure that you must, never give people money (or anything else) without signed, noterized contracts, and possibly collateral.
44562
Amazing!  7 straight incorrect answers!  You all should give back your answer points!!!!!\n\nThere is a Statute of Limitations on Debts.  The link below gives you the SOL for each state.  None are longer then 10 years.\n\nThe date starts from the time you defaulted on the loan.\n\nSo take a deep breath and relax!  Not only can they NOT sue you for the money, they can NOT place anything on your credit record.  Debts can only be placed on your record for 7 years.\n\nThe link below has a sample letter that you can use to write to the collection agency. It's called a Cease and Desist letter.  By law, the collection agency can no longer contact you.\n\nVery important!  Include in your letter that:\n\n1. The statute of limitations on this debt has expired.\n\n2. Demand that if they still insist the debt is legit, that they VALIDATE the debt.  \n\nValidate is not the same as "Verify". It means that they must supply you with all proof that the debt is legit.  That includes copies of bills, contracts, receipt, and statements to trace every dollar you owe.  \n\nVerify a dept simply means they will contact the original debtor and ask if it's legit. If they say it is, then it's now a "Verified" debt and they will continue to hound you.\n\nNeed more help contact me.  \nDon't worry, I'm 100% certain we can get these guys off your back.