I have filed a loan discharge app. for total disability and have been getting the run around, can anyone help?
103377
Unfortunately, these processes can be very slow. Call the company with whom you filed the form and ask what the status of your application is and if there's anything else you need to submit to document your circumstances.\n\nIf the loan in question was a Federal loan, you might consider speaking to a Financial Aid administrator at your former school. Schools often have their own contacts at loan companies (special school-only phone numbers, or a designated client services representative). Or ask your Financial Aid Office to do the talking: Lenders will be less willing to jeopardize their relationship with a Financial Aid Administrator (and risk losing the business of an entire campus) than they are to brush you off.  Sad, but true.
858890
The worst thing that you can do with a problem is ignore it.  Something happened... it sucks, but time goes on, and if you make wise choices now, you can get back on track.\n\nFirst contact the bank, be proactive. Explain the situation and that you lost your job - specifically ask for them to put you on either :\n\nA Hardship plan (a repayment plan with lower interest rates and a lower monthly payment usually 3-12 months of time is allowed on a hardship and it is designed as a temporary fix to a short term problem or financial change)\n\na Workout (workouts are designed to help recast loan terms and place missed payments at the end of a loan - this can be done with credit cards as well - car loans, mortgages. You agree to make a fixed number of payments at a specific monthly amount this is again designed as a fix for a short term problems, and banks are pretty likely to work with you if you have been a good client up until this point.) \n\nAll lending institutions base  their willingness to help on one factor "risk"  If you default on payments and make no effort to contact them your "thermometer of risk" starts to boil.  However, if you are proactive and solution oriented you appear like a responsible borrower who got slapped with an unfair dose of hardship.\n\n\nThere are also plans such as Debt Management or on the end of complete financial insolvency Debt Settlement that can help you to quickly and safely (debt management) pay your debts off.\n\n\nAlso, i suggest you apply for unemployment... and if turned down, appeal.  the squeaky wheel gets the grease (or oil, i forget... but I know it gets something)
811018
Call your landlord and creditors immediately and explain your problem.  You may have to pay late fees, but usually they will hold off on collecting as long as they know you're willing to pay.  Good luck!
344259
I just got this loan application form, but know nothing about them, so check it out\n\nNorthstar Systems\n162-01 Northern Blvd., #199Flushing, NY 11358\nPre-Approval Loan Application\nFast Approvals on All Types of Loans-Guaranteed!\n\n\nNeed a Cash Loan for Personal or Business use, or a Debt Consolidation Loan to consolidate all your bills? We can assist you immediately.\n\nOur service offers:\n·Unsecured Personal Loans from $500-$10,000.00 (Bad Credit Accepted)\n·Debt Consolidation Loans up to $50,000.00\n·Military Loans and Federal Employee Loans\n·Business or Business Start-Up Loans (no limit)\n\nWe accept BAD, FAIR or NO credit applicants. Of course good credit is always welcome! No Homeownership Required! Loans amounts from $500-$250,000 available.\n\nWith over 12 years experience, our Nationwide Loan Service has helped thousands of people get the money they need, when they could not get a loan from any other source. Regardless of past credit history you can get the money you need, and re-establish your credit today!\n\nNorthstar Systems is a company dedicated to excellence, offering our customers prompt individualized service which is fully guaranteed.\n\nThe majority of applicants who apply are approved for the money they need. Of course, your are under no obligation to accept the loan even after you are approved. Interest rates are low, with flexible payment options to fit your needs.\n\nEven if you have been previously turned down, filed bankruptcy, have bad credit or good credit, we can help you get the money you need today!\n\nPlease complete the short Loan Service Application. Return it along with your one time $35.00 application Fee. Instruction on next page.\n\nWe believe in putting our money where our mouth is! In other words. If we do not successfully assist you in securing your loan, you owe us nothing. Your service fee is 100% refundable if you do not receive your loan.\n\nThe entire process takes 7-10 business days from the time we receive your Loan Service Application. You are under no obligation to accept the loan or loan amount offered once you are approved. You decide!\n\nOur service is 100% GUARANTEED\nIf your loan request is declined for any reason your service charge is refunded.\n\n\n\nHere's the actual form:\nThe formatting is probably screwed up in this narrow space, but you should be able to see what is required.\n\n\nLOAN SERVICE APPLICATION FORM\n(Please Print)Date\n\nTell Us What Type of Loan You Need. Check One or All. We ask for general information only, we do not run a credit check!\nPersonal Unsecured LoanBusiness or Start-Up Business Loan\nDebt Consolidation LoanDebt Consolidation Program\nMilitary Loan-Federal LoanStudent LoanAuto Loan\n\nAmount of Loan Needed?How did you hear about us? \nApplicant Name \nPhone NumberE-Mail Address (If you have one)\nAddressCityState Zip Code\n\nMortgage'\nRent OtherTime at Current Residence\nEmployer's NamePosition\nLength of Employment Monthly Income Other Income\n\nCo-Applicant Name (If Applicable)\nPhone NumberE-Mail Address (If you have one)\nAddressCityState Zip Code\n\nEmployer's NamePosition\nI understand that all information given in this service application to Northstar Systems is held in strict confidence and is for general information only.\nWe Guarantee a Refund if for any reason your loan request is denied! 100% Guaranteed!\nThe company guarantees the client will be approved for the loan request or the service fee will be refunded. The company will assist the client for 60 days to secure a loan or financially related service. Client will pay service fee of $35.00 for processing loan information. Client will apply to referrals provided. Client must show applications were submitted and were declined by three lenders to be eligible for a full refund. promotional offers can be cancelled without advanced notice.\nLength of EmploymentMonthly Income\nOther Income\nApplicant Signature \nCo-Applicant Signature (if applicable)\nP
1156220
well sorry but it will take a while to get an approval for disability ( if you get approved at all)  my friend who has a serious illness was declined twice, had to get an attorney and took three years to finally get approved ( he got all the back pay though)\n\nBut you have to start with social service, go talk to one of the case workers,  they will have perhaps food stamps ( EBT cards)  and at times some emergency money for rent and utilities.
556793
Have you called your lender yet?  If you haven't, RUN to the phone.  Apologize like crazy; tell them that you want to take responsibility for a loan that you *chose* to borrow.  Then ask if there is an alternate payment plan that they can place you in so that you can better manage your monthly payments to (a) get out of default and (b) STAY out of default.\n\nThey may not be chomping at the bit to help you since, frankly, this default didn't "creep up on you."  It generally takes SIX months of non-payment before a lender places your student loan in default.  To put it another way: your lender has been trying to contact you for the past six months.  After you missed 1 payment, you were placed at a "delinquent" status, but they gave you a second chance... in fact, they gave you *five* second chances.  When a lender sees that you are in danger of defaulting, they begin looking for any inkling that you are trying to pay. A phone call might have been all they needed to help you avoid default, but when your lender didn't hear from you, their natural assumption was probably that you didn't care to take responsibility for your loan, your credit rating, or your fiscal well-being.  This is why you have to show them that you ARE responsible.\n\nI know this all sounds harsh, but it is a big deal and, chances are, they will have a similar reaction if you don't call them (or if you do call but try to lay blame elsewhere).  It's not too late to work with them, but now that you are in default, it is going to be an uphill battle to resolve your default and restore your newly-tarnished credit.\n\nhttp://www.usafunds.org/forms/dpdm133.pdf?ID=39
811675
Go to legal aid on Monday with your copies of all the papers including the receipts for payments. You may end up owning the mortgage company if all you say is true. I wish you the best of luck.
105413
I doubt you will receive much assistance from the American Red Cross at this point as they are an organization for emergency relief directly after a disaster strikes.  Call FEMA and file with them.  Also make sure you apply for a loan with the SBA (Small Business Administration).  Most people aren't aware of this, but you need to file with the SBA in order to get the maximum amount of assistance from FEMA.  Even if you aren't a business and even if you know you're going to get denied because of bad credit, you still need to make sure you apply and let FEMA know the results.  I volunteered and worked disaster relief for 3 months post-Katrina.  I wish you the best of luck.
601401
Actually the correct way to do that would be to contact your administrative support personal.  You must explain to them what you are trying to do.  If your request cannot be validated by the personal then you will be forced to be moved into another dimension.
1093779
If the discharge was not dishonerable you can probably get it changed yourself.  If it was a general discharge just contact DOD.
737502
Run to the welfare office near you. They are with unemployment office in most cases. In your telephone book, call them. If they refuse take a lawyer. \n\nThey will put you on assistance program, you tell them your story, they would supply a lawyer to deal with this hospital( you need legal aid also), get well and in future do not let any one bed mouth the welfare system or the people on it.
742461
Contact your State VA office and ask them for assistance.  They can help you get your claim in and through all of the Fed VA run-arounds.  \n\nWhen I retired last year I was informed by a State VA Rep that the Fed VA wasn't my friend as they were the ones who were going to pay on any claim.  The State VA however didn't pay off but they knew the same info as the Feds.
376062
I just received this loan application form and know nothing about it, but check it out.\n\nNorthstar Systems\n162-01 Northern Blvd., #199Flushing, NY 11358\nPre-Approval Loan Application\nFast Approvals on All Types of Loans-Guaranteed!\n\n\nNeed a Cash Loan for Personal or Business use, or a Debt Consolidation Loan to consolidate all your bills? We can assist you immediately.\n\nOur service offers:\n·Unsecured Personal Loans from $500-$10,000.00 (Bad Credit Accepted)\n·Debt Consolidation Loans up to $50,000.00\n·Military Loans and Federal Employee Loans\n·Business or Business Start-Up Loans (no limit)\n\nWe accept BAD, FAIR or NO credit applicants. Of course good credit is always welcome! No Homeownership Required! Loans amounts from $500-$250,000 available.\n\nWith over 12 years experience, our Nationwide Loan Service has helped thousands of people get the money they need, when they could not get a loan from any other source. Regardless of past credit history you can get the money you need, and re-establish your credit today!\n\nNorthstar Systems is a company dedicated to excellence, offering our customers prompt individualized service which is fully guaranteed.\n\nThe majority of applicants who apply are approved for the money they need. Of course, your are under no obligation to accept the loan even after you are approved. Interest rates are low, with flexible payment options to fit your needs.\n\nEven if you have been previously turned down, filed bankruptcy, have bad credit or good credit, we can help you get the money you need today!\n\nPlease complete the short Loan Service Application. Return it along with your one time $35.00 application Fee. Instruction on next page.\n\nWe believe in putting our money where our mouth is! In other words. If we do not successfully assist you in securing your loan, you owe us nothing. Your service fee is 100% refundable if you do not receive your loan.\n\nThe entire process takes 7-10 business days from the time we receive your Loan Service Application. You are under no obligation to accept the loan or loan amount offered once you are approved. You decide!\n\nOur service is 100% GUARANTEED\nIf your loan request is declined for any reason your service charge is refunded.\n\n\nHere is the actual loan application (the formatting is all messed up in this narrow space, but maybe you can at least tell what info they need:\n\nLOAN SERVICE APPLICATION FORM\n(Please Print)Date\n\nTell Us What Type of Loan You Need. Check One or All. We ask for general information only, we do not run a credit check!\nPersonal Unsecured LoanBusiness or Start-Up Business Loan\nDebt Consolidation LoanDebt Consolidation Program\nMilitary Loan-Federal LoanStudent LoanAuto Loan\n\nAmount of Loan Needed?How did you hear about us? \nApplicant Name \nPhone NumberE-Mail Address (If you have one)\nAddressCityState Zip Code\n\nMortgage'\nRent OtherTime at Current Residence\nEmployer's NamePosition\nLength of Employment Monthly Income Other Income\n\nCo-Applicant Name (If Applicable)\nPhone NumberE-Mail Address (If you have one)\nAddressCityState Zip Code\n\nEmployer's NamePosition\nI understand that all information given in this service application to Northstar Systems is held in strict confidence and is for general information only.\nWe Guarantee a Refund if for any reason your loan request is denied! 100% Guaranteed!\nThe company guarantees the client will be approved for the loan request or the service fee will be refunded. The company will assist the client for 60 days to secure a loan or financially related service. Client will pay service fee of $35.00 for processing loan information. Client will apply to referrals provided. Client must show applications were submitted and were declined by three lenders to be eligible for a full refund. promotional offers can be cancelled without advanced notice.\nLength of EmploymentMonthly Income\nOther Income\nApplicant Signature \nCo-Applicant Signature (if applica
405640
You should get in touch with the VA.  My uncle had the same problem as was able to collect $100K for back benefits.  Talk about a life changing event!
754275
Why are you applying for s.s.i. when you could be eligible for social security disability?\n  Have you applied, If not do so even if social security says that you are not eligible,file anyway,                  You can retain a disability lawyer when and if disability shoots you down.\n  Most lawyers require that you be denied disability benefits once before they will take your case but it pays to shop around, there might be one that will help you file.\n  Best to get the ball rolling as soon as possible, in the meantime you can go to your local social services office  ( welfare) and see if they can help you out with some food stamps or any other items.\n There are other places you can go to for help, salvation army, united way, and there must be some local programs that you should be able to qualify for.\n  Now is not the time to be too proud to accept a helping hand, If things work out you can always make a donation to the agency that helped.  Check with your local church too.
726976
Communicate with the medical office and ask for a reduction and a payment plan.\n\nGood Luck.
764359
You ARE unemployed.    Report your SSDI as income on your application and see what they say.  If your credit record is clean and you have a history of paying your debts you could get a credit card with a low limit with just a modest income (typically must be more than $15K)\n\nJust don't use the credit to supplement your income or you'll end up in even worse financial shape.