Re: Defaulted Student loan validation question
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Posted by Drew
(24.59.27.46) on November 18, 2003 at 01:21:35:
In Reply to: Defaulted Student loan validation question posted by Ginger on November 18, 2003 at 01:11:58:
They are lying to you. Unless you are in a community property state (Texas, Florida, Wisconsin, California, Louisiana, and there are a few other I forgot), your husband's wages cannot be garnished and are exempt. Even if he is in these community property states, depending on the state and its community property laws, he still might not be able to touch you. When they call again, simply tell them that your husband does not owe this money and that you are not taking his money to pay this bill because you have other bills and he has a family to support. Send them a request for validation asking for complete accounting and a cease and desist letter asking that they contact you only in writing. Don't send them a dime, don't give out personal information, and don't discuss your financial history or situation with them. They are debt collectors. Their goal is to find your weaknesses and use them against you. If you don't feel comfortable about sending these letters, get caller ID and an answering machine and don't answer them. I don't know what that collector is thinking but a $1000 a month is not fair. I don't know of anyone who could afford a $1000 a month payment on anything, mortgage included. That is totally ridiculous. Fight them and make them settle. That is completely unreasonable.
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