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I have been unable to resolve outstanding tuition debt with my university in New York.
I and my family are struggling to afford decent living, and we simply do not have extra money to pay off the debt. Believe me, I want to pay off the debt more than the school wants me to pay. I have not finished my college education, and I want to be able to go back someday.
For the first few years, I was receiving letters and phone calls from collections agency. I once talked with the agency and tried to set up a payment plan. But the agency wanted an initial payment of several thousand dollers, which I did not and still do not have. I also asked if I could work out direcly with my school, which the agency denied.
Today, I received a letter from the university’s attorney! What happens next? Am I going to be sued??!! Any advice will be greatly appreciated. Please help!
I thank you everyone for giving me some great advice. I was feeling hopeless, but I am encouraged. For those of you who advised that I send a money order and a letter to the university’s attorney, how much do you think is appropriate?
I have received an arbitration claim against me by the collection agency. What this arbitration exactly is? What will they do next if I don’t respond in 30 days. I don’t know what to do next. Do I need to respond? Will they really file the case to the court? If so, what’s next?
When in debt it may seem impossible to get out of it. The credit card companies may be giving you a hard time with the interests and late payment fees. There may also be other fees imposed that can make getting out of debt relief seem hopeless. At this moment, all you want is to come to a common agreement on a certain settling plan. This will allow you to make timely payments that you find you can afford and stop the harassing and threatening calls.
There are various other agencies where you can seek help through these financial tribulations. You could acquire a consolidation loan from the government. This loan will combine all your debt into one single low payment. The government regulates these loans. The government provides resources and regulates the other agencies that may finance you with a loan. Many people however confuse a grant from the government with a loan. The difference is that a grant does not need payment. These grants are quite hard to get and require many criteria for consideration. Information on consolidation loans is available from local financial lenders. They may be in a position to give you further information on the different loans available from the government and the required interest rates for repayment of the loans.
Many of these agencies provide you with financial counseling on debt management. These services help people to manage their present debts and help them avoid future ones. This counseling service can also help to rebuild damaged credit. It is important to know whether an agency is a non-profit one. It’s advisable to deal with only non-profit companies but note that there are also trusted reputable and commendable profit making ones that could help you out. This ensures the individual that the company has their best interest at heart and is not trying to look for a way to earn money. Some time these non-profit agencies receive funding from the government that helps support the consolidation loan. Profit making and other private ones usually use their own funds and are more easily accessible.
Concluding, by researching and then comparing different debt consolidation providers, you will be able to qualify and determine the one that meet your specific financial situation, moreover, besides the cheapest interest rate the market of debit consolidators is offering. For Instance, see our last debt relief service review: Priority Debt Settlement Review.
Nonetheless, it’s advisable to work with a seasoned and reliable debit counselor before a conclusion is made, this way you save time because of seasoned advise & money by getting better results in a shorter span of time.
H. Milla G. is editor of the Best Debt Relief Programs website – where you can see his top rated debt consolidator company recommendation.
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