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Agghhh...I am getting sued by my former college over student loans.

They sent me something from the superior court. I owe them 3,500 dollars. I hate to sound like a whiny bitch, but what do I have to do?? It doesn't say I have to appear in court. I don;t have 3,500 dollars--I can make a monthly payment. Will they accept that?%0D %0D I feel all we do as Americans is work and pay bills. Do we ever get ahead??

by Please save the judgemental posts for someo...oh, who am I kidding. It''s DL.reply 6210/02/2013

Bitch, you betta pay!

by Please save the judgemental posts for someo...oh, who am I kidding. It''s DL.reply 105/04/2011

Pay your damn bills, OP! Do without till you get it paid off. Deadbeat trash!

by Please save the judgemental posts for someo...oh, who am I kidding. It''s DL.reply 205/04/2011

[quote]I feel all we do as Americans is work and pay bills. Do we ever get ahead??%0D %0D Some might say we get ahead when we ignore the repayment of loans provided for by other Americans.%0D %0D Others may say we get ahead when we get loans to attend college while others do not.%0D %0D But really, check Bankrate.com which is a good starting point for financial questions and has large sections devoted to student loans and all the issues associated with them. And good luck (but maybe drop the disingenuous approach of saying it's the problem of a nation when, right now at least, the is a little more narrowly focused for you.)%0D %0D Poke around at Bankrate; there's lots of stuff beyond the link below -- and your problem is not unique, so there's lost of basic advice online.%0D %0D

by Please save the judgemental posts for someo...oh, who am I kidding. It''s DL.reply 305/04/2011

You have enough money to pay for a membership to the datalounge, yet you haven't been paying on your student loans? FAILED

by Please save the judgemental posts for someo...oh, who am I kidding. It''s DL.reply 405/04/2011

The American dream died but no one ever told you.

by Please save the judgemental posts for someo...oh, who am I kidding. It''s DL.reply 505/04/2011

You can't get out of student loan payments, ever. You're fucked.

by Please save the judgemental posts for someo...oh, who am I kidding. It''s DL.reply 605/04/2011

Call an attorney.

by Please save the judgemental posts for someo...oh, who am I kidding. It''s DL.reply 705/04/2011

If you have the money to make payments, why didn't you arrange that BEFORE you were sued? Just curious...

by Please save the judgemental posts for someo...oh, who am I kidding. It''s DL.reply 805/04/2011

Education should be free. In civilized countries it is.

by Please save the judgemental posts for someo...oh, who am I kidding. It''s DL.reply 905/04/2011

For christ sake it's $18 dollars a year...you goddamn Scrooge. Shove your tight fist up your ass.

by Please save the judgemental posts for someo...oh, who am I kidding. It''s DL.reply 1005/04/2011

Don't they garnish wages for student loans? I do wonder that people somehow thought they would get out of paying off their loans. I know people who have loans for $50 thousand. What were they thinking? Education is only for the rich.

by Please save the judgemental posts for someo...oh, who am I kidding. It''s DL.reply 1105/04/2011

I heard it goes away after 10 years%0D %0D Hang in there OP

by Please save the judgemental posts for someo...oh, who am I kidding. It''s DL.reply 1205/04/2011

$3500? You piker.

by Please save the judgemental posts for someo...oh, who am I kidding. It''s DL.reply 1305/04/2011

Uh huh, $18 dollars that could have gone toward the repayment of a $3,500 student loan.

by Please save the judgemental posts for someo...oh, who am I kidding. It''s DL.reply 1405/04/2011

Yes, of course they garnish wages to collect on student loans. They can garnish your Social Security Disability or Retirement, too, at 15%. %0D %0D And if you are really being sued, OP, you undoubtedly have to go to court. Better read that document again carefully. You're either not actually being sued, or you have a court date in the future.

by Please save the judgemental posts for someo...oh, who am I kidding. It''s DL.reply 1505/04/2011

OP, don't feel bad. I've taken out over 70,000 in loans and will have to take an additional $20,000 when all is said and done. But at least I'll have a master's right? The education racket in this country is set up for middle class people to fail because, if you want to go to a school that is more than just a lousy state college diploma mill, you have to put yourself in serious debt, the kind that you can never get out. For some reason, the powers that be have decided that student loan debt is the only kind that cannot be discharged if you file for bankruptcy. I just keep hoping that it will all just go away but I know it won't.

by Please save the judgemental posts for someo...oh, who am I kidding. It''s DL.reply 1605/04/2011

[quote]I heard it goes away after 10 years This is incorrect. They started garnishing my wages after 15 years. It was just a nominal amount from every paycheck and went on for about three years until it was all paid. Not too bad a hardship, but the need to cut back on expenses suddenly to accommodate the garnishment is what forced me finally to give up smoking for good. It worked! And now my credit is nearly perfect.

by Please save the judgemental posts for someo...oh, who am I kidding. It''s DL.reply 1705/04/2011

For federal loans, the limit for collection is 25 years. After 25 years, they cannot harass you any longer. Since Obama combined federal and private loans, that is good. Although I got private loans BEFORE Obama made the law, so I don't know about my situation. OP, why don't you try deferring payment? Or forbearance? It will hurt your credit, but you won't have to pay now if you don't want to.

by Please save the judgemental posts for someo...oh, who am I kidding. It''s DL.reply 1805/04/2011

I hope you will move to Venezuala r16. Because if you stay here, you are going to be up shit creek.

by Please save the judgemental posts for someo...oh, who am I kidding. It''s DL.reply 1905/04/2011

[quote]I don;t have 3,500 dollars--I can make a monthly payment. Will they accept that?

They might, if you can get them to agree to it and get them to believe you will follow through. They have to pay a lawyer to pursue it to a judgment and garnishment of your wages.

by Please save the judgemental posts for someo...oh, who am I kidding. It''s DL.reply 2005/04/2011

If you can make monthly payments, then why weren't you making monthly payments?

by Please save the judgemental posts for someo...oh, who am I kidding. It''s DL.reply 2105/05/2011

OP

What kind of loans are they?

Federal or private?

I am thinking they might be private. If they are you just have to cop to things and work out a payment plan quick. You might actually be able to make a proper proposal of things for the lawyers who are behind stuff and present it to them and have that be it.

by Please save the judgemental posts for someo...oh, who am I kidding. It''s DL.reply 2205/05/2011

pay your fucking LOAN back, you fucking deadbeat. come join us in the human race, where people honor their commitments, you fuckwad. $3500 FUCKING DOLLARS? ugh, i hate you.

by Please save the judgemental posts for someo...oh, who am I kidding. It''s DL.reply 2305/05/2011

Go to hell, r23. Creepy fuck.

by Please save the judgemental posts for someo...oh, who am I kidding. It''s DL.reply 2405/05/2011

[quote] Better read that document again carefully. You're either not actually being sued, or you have a court date in the future.

Or they've already taken you to court and your notice from said court is the notifying you of the judgement they have obtained against you.

by Please save the judgemental posts for someo...oh, who am I kidding. It''s DL.reply 2505/05/2011

STFU, gertie.

by Please save the judgemental posts for someo...oh, who am I kidding. It''s DL.reply 2605/05/2011

r11, You do realize everyone's money goes into the pot, right? Not just Democrats? Whatever we agree or disagree on.

by Please save the judgemental posts for someo...oh, who am I kidding. It''s DL.reply 2705/05/2011

OP, do some online research and perhaps consult with an attorney if you can. You might be able to settle the debt for a lesser amount.%0D %0D Are these private student loans, the kind that don't expire with death? Was your school a private for profit operation?%0D %0D Go to court, if you don't they will get a default judgment. If they didn't provide a copy of the original contract/application to the complaint you might be able to move to have the case dismissed. Again, consult an attorney. Try legal aid if you have to.%0D %0D Good luck. People are really struggling right now in America. I'm talking about hardworking, educated people that did everything that we are socialized to believe will save us from poverty. They went to school and incurred the debt, only to find that there aren't job opportunities like there should be. I don't understand the cruelty in this thread.

by Please save the judgemental posts for someo...oh, who am I kidding. It''s DL.reply 2805/05/2011

I don't know OP, I paid off a little more than half of my student loan and then fell behind a few months ago. Now I owe $1000 instead of my usual $200 payment. They call and call. I turn off my phone. I just don't care anymore. I've been paying off bills for years and they never seem to end, so fuck it. It's all a massive scam to enslave you and the biggest scam of them all is "it'll ruin your credit!!"

by Please save the judgemental posts for someo...oh, who am I kidding. It''s DL.reply 2905/05/2011

If it's not a federal loan, let them wipe their ass with their judgement. Just keep everything out of your name.

by Please save the judgemental posts for someo...oh, who am I kidding. It''s DL.reply 3005/05/2011

The worst that can happen if you do nothing is the college will win a court judgment against you and garnish your wages until the debt is paid.

by Please save the judgemental posts for someo...oh, who am I kidding. It''s DL.reply 3105/05/2011

Parasite!

by Please save the judgemental posts for someo...oh, who am I kidding. It''s DL.reply 3205/05/2011

r29: You must speak with them. Ask for a forbearance or a deferment. Look on your lender's website for information and forms. Speak with the lender ASAP. The problem will only get worse.

by Please save the judgemental posts for someo...oh, who am I kidding. It''s DL.reply 3305/05/2011

OP, if you cannot get the case dismissed, you should request a jury trial. DO NOT admit to the debt. The worst thing that you can do is go to court and say "Yes, this is my debt." Just tell the judge that you don't know if it is in fact your debt as the Plaintiff has failed to provide you with enough evidence or supporting documents in the complaint. Say you don't know what debt they are talking about. Make them prove their case. The burden is on them.

by Please save the judgemental posts for someo...oh, who am I kidding. It''s DL.reply 3405/06/2011

Did you agree to pay the loan back when you took the money, OP? Of course you did. So man up.

by Please save the judgemental posts for someo...oh, who am I kidding. It''s DL.reply 3505/06/2011

$3500, and you can't pay it?%0D %0D Where'd you go, Wal-Mart U?

by Please save the judgemental posts for someo...oh, who am I kidding. It''s DL.reply 3605/06/2011

Oh, easy you bunch of sissy-marys. I am going to pay the loan. It just got away from me. I looked over the document and I cannot find a court date on there. I will take out a pension loan. I will pay it in full and be done with it. Relax--I have single-handedly brought the federal government from the brink of bankruptcy.

by Please save the judgemental posts for someo...oh, who am I kidding. It''s DL.reply 3705/06/2011

[quote] OP, if you cannot get the case dismissed, you should request a jury trial.

$3500 is a small claims case. No jury trials available.

by Please save the judgemental posts for someo...oh, who am I kidding. It''s DL.reply 3805/15/2011

Meh.... I'm dealing with this same shit right now, OP. %0D %0D %0D Garnishing 25 percent of nothing is nothing. I've been out of work for two years, I finally just got a great job where I can pay it back..... and I'll probably get fired because of the number of wage garnishments against me due to student loans. You are protected by law until three. After that, employers have no obligation to keep you. %0D %0D Sorta weird how this shit works. I paid my loans every month after I got out of school, I even set myself up on an accelerated plan to be done with them quicker..... Economy tanked and they don't work with you outside of one forebearance. If I lose my new job because of this, I'm just going to say Fuck It and sit around til' I win the lottery.

by Please save the judgemental posts for someo...oh, who am I kidding. It''s DL.reply 3908/13/2011

So many perfect people in the world who never run into hard financial times and come up short. Had no idea.

by Please save the judgemental posts for someo...oh, who am I kidding. It''s DL.reply 4011/22/2012

Anything under 10K can easily be paid back by getting a second job.

by Please save the judgemental posts for someo...oh, who am I kidding. It''s DL.reply 4111/23/2012

[quote]I feel all we do as Americans is work and pay bills. Do we ever get ahead??

oh yes...and its fabulous!!!

by Please save the judgemental posts for someo...oh, who am I kidding. It''s DL.reply 4211/23/2012

r10 not only are you missing a sense of humor, you're missing the point.

OP's debt most likely did not all come up in the last few months, which means, despite being in debt and heading toward default, he said "oh it's just $18" I could still read and chat on DL but I just have to start threads and bitch during prime time...

Do you not see the bigger problem?

OP probably reasons like this in all aspects of life, throwing away $18 here and there and more because he has no sense of proportionality and lives beyond his means.

I lived in a studio, didn't have cable, etc. until my debt was paid off. And I still save money so I have it to splurge when I want.

Be smart. Live within your means.

by Please save the judgemental posts for someo...oh, who am I kidding. It''s DL.reply 4311/23/2012

Let's offer an example.

Assume you buy lunch out at work for $10 but could have made your lunch for about $3. Make your lunch five days a week, you save $35. Do this 100 weeks (2 years) - there's OP's debt. In 2 years,

You don't have to scrimp and save across the board, and never go out to lunch but avoiding takeout, getting two new sweaters instead of three .... it adds up.

by Please save the judgemental posts for someo...oh, who am I kidding. It''s DL.reply 4411/23/2012

that should have read, "In 2 years, if OP went out to lunch every day, he spent $3500 that could have been channeled to debt."

It's just an example that could be put in practice more randomly if the impulse was "do I need this" ...

by Please save the judgemental posts for someo...oh, who am I kidding. It''s DL.reply 4511/23/2012

Good. I hope they clean you out, OP (dead beat)

by Please save the judgemental posts for someo...oh, who am I kidding. It''s DL.reply 4611/23/2012

I read that as $35,000 and had some sympathy. But $3500? Who doesn't have $3500? All this drama for a few measly bucks? Just pay it, you dead beat.

by Please save the judgemental posts for someo...oh, who am I kidding. It''s DL.reply 4711/23/2012

Hi there, I'm a journalist writing an article about people getting sued by colleges over student loans. Would you be interested in talking to me about your situation? If so please contact me on fmklotz@gmail.com. Thanks! Frieda

by Please save the judgemental posts for someo...oh, who am I kidding. It''s DL.reply 4810/02/2013

Why wouldn't one ask these questions to those they owe?

You want to borrow, you agree to pay what you borrow plus interest. What more is there to understand?

I guess common sense was not taught at that college?

by Please save the judgemental posts for someo...oh, who am I kidding. It''s DL.reply 4910/02/2013

You don't have a measly $3500? Really? Poor much? Ew!

by Please save the judgemental posts for someo...oh, who am I kidding. It''s DL.reply 5010/02/2013

Good advice r43. Even better than living at your means is living below your means. Amazing the stuff you just do not need! And the $$$ you end up saving!

by Please save the judgemental posts for someo...oh, who am I kidding. It''s DL.reply 5110/02/2013

Let's see, $3,500 divided by 104, the number of weeks in 2 years, is about $34 a week. Get a part-time job and pay it back. The 2 years will fly by. I know, I've been there.

by Please save the judgemental posts for someo...oh, who am I kidding. It''s DL.reply 5210/02/2013

[quote]Don't they garnish wages for student loans?

Yes. Yes they do. My garnishment situation is what finally made me quit smoking, since I had to reduce expenses ASAP. Took a couple of years of sacrifice, then it was over. Now 10 years later my credit is crystal clear.

[quote]I heard it goes away after 10 years

No. No it doesn't.

by Please save the judgemental posts for someo...oh, who am I kidding. It''s DL.reply 5310/02/2013

Also: if you continue to receive collection calls after your loans are repaid, it's a scam. Don't talk to collectors for something you don't owe, ever.

by Please save the judgemental posts for someo...oh, who am I kidding. It''s DL.reply 5410/02/2013

[quote]I feel all we do as Americans is work and pay bills. Do we ever get ahead??

Yeah, and accept loans which we have no fucking intention of repaying.

by Please save the judgemental posts for someo...oh, who am I kidding. It''s DL.reply 5510/02/2013

When I was in Law School we used to have to hang out at the court to help people in debt situations who were being sued. So I'll give it a whirl. Assuming that what they sent you wasn't a judgement but a notice that you are being sued.

First of all you must go to court. If you don't make the appearance you are screwed. A lot of people think that if you don't show up they can't proceed and it will be ignored or put off for another time. Wrong. A judgement is automatically entered against you when you don't show up.

Here's how that automatic judgement works against you. The school will hand the court decision over to a Marshall. The Marshall will handle the garnishment of your wages. You will normally be required to pay ten percent of each paycheck. It normally doesn't go above that. You will be given a chance to make the payments yourself. If you miss them they are allowed to contact your employer and have your wages garnished.

But here's how you are royally fucked with a Marshall. They are allowed to add poundage. That is their fees for processing all this. It will add about $1000.00 onto your debt.

Now, you may not believe it, but getting sued to get out of this debt is the best thing that will happen to you. Because of the amount you will be sued in small claims court. Before trial an attorney for who is suing you will almost always speak to you first and say something like: "If you agree we will agree to a settlement judgement against you of $2000.00(or even lower it almost always goes to about 50% of your debt)pay us $50.00 a month until it is paid." If you agree the judge will make it so.

If, in the unlikely chance, the lawyer doesn't contact you at court first, then you will first meet with a mediator before you see the judge. You will pretty much be offered the same deal. If not, when you are in front of the mediator and the judge, tell them you want to "move for discovery". This will delay the action for a while and they will more likely than not be moved to offer said settlement.

This session of small claims court is nothing but debt cases. The judge will move through about 50 cases in an hour. It's pretty straight forward. I don't think I ever saw someone not offered a settlement.

If you want to delay this process to get your act together or deal with them outside of court go to the clerk's office and tell them you need time to file a response. It is always granted. Or at least ™.99 percent of the time. This alone can delay the action for almost a year if you keep doing it. Just think of an excuse each time.

If this occurred before you were served from the court there would be much more you could do. In fact I could give tips on how to just get out of almost all your debt if you don't wait. However, people always like to just sit around and do nothing. It astounds me. Especially in the age of Google.

by Please save the judgemental posts for someo...oh, who am I kidding. It''s DL.reply 5610/02/2013

Let's see. You borrowed money to get an education so you could have a better career/life. You then decided not to pay back this loan.

Democrat, right?

by Please save the judgemental posts for someo...oh, who am I kidding. It''s DL.reply 5710/02/2013

I don't understand. Why don't you people just get a full scholarship with a stipend, like I did?

by Please save the judgemental posts for someo...oh, who am I kidding. It''s DL.reply 5810/02/2013

What's a loan?

by Please save the judgemental posts for someo...oh, who am I kidding. It''s DL.reply 5910/02/2013

Unfortunately, in the U.S. you can't bankrupt on student loans. They hunt you til you die, and if they get a judgment it will be withdrawn right from your wages.

by Please save the judgemental posts for someo...oh, who am I kidding. It''s DL.reply 6010/02/2013

This was over two years ago.

by Please save the judgemental posts for someo...oh, who am I kidding. It''s DL.reply 6110/02/2013

$3,500 doesn't seem like much at all, OP. Would you like me to send you a check in that amount?

by Please save the judgemental posts for someo...oh, who am I kidding. It''s DL.reply 6210/02/2013
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