MatrexMistwalker
Posts:
????
Registered:
????
Extended Info (if available)
Real Post Cnt: 0
User ID: 0
|
Subject:
Debt Question
|
Last few years money has been really tight but I finally got in a job with financial stability and im trying to clear all my bad debt.
I owe for a Gi bill issue and tried to call and get a plan set up so I can pay it off... this is how it went.
VA: We dont have the account (my word) anymore it has been sent to the debt collection agency, here is the number...
Debt collector: we dont have the account anymore it has been sent to the treasury department, here is the number...
Treasury dept: We dont have the account anymore it was sent back to the VA but they never anotated why...
Va: Debt collectors should still have it...
Ok WTF do I do now... we got tenative approval to refiance and debt to the VA for education is a question on the paperwork, I want to pay it off but if people dont know where it is whats the next step?
I am about to call each agency back and ask to speak with a supervisor and see what they say and write down their name just in case something bites me later on this, plus the only other thing I can see to do is let USAA decide what I put down in that spot if the answer is still the other guy has it.
-----signature-----
|
|
Link to this post
|
Abaddon_Ambrosius
Title: Retired Theurgist TL
Posts:
25,187
Registered:
Dec 21, '01
Extended Info (if available)
Real Post Cnt: 25,057
User ID: 568,022
|
Subject:
Debt Question
|
If it is enough money, hire a lawyer. Try to find one who works with government debt/taxes.
He may tell you to get all 3 agencies to put what they already told you in writing. In which case, he can tell you if that's sufficient to consider the loan null and void. If they don't have a proper record or contract paperwork on it, then it probably isn't collectable.
-----signature-----
In the immortal words of Socrates - "I drank what?"
"God you guys suck at the internet - how can you fail to locate porn?!" - Eternal_Midnight
"Knowing means nothing." - Fat-badger
|
|
Link to this post
|
Ptilk
Title: Creepy old pirate
Posts:
50,658
Registered:
Feb 13, '02
Extended Info (if available)
Real Post Cnt: 48,530
User ID: 645,124
|
Subject:
Debt Question
|
|
Just forget about it. In a few years no one will remember and credit scores are meaningless these days anyway.
-----signature-----
(none)
|
|
Link to this post
|
Moe_Nox
Title: In Moe We Trust
Posts:
22,319
Registered:
Feb 4, '07
Extended Info (if available)
Real Post Cnt: 19,181
User ID: 1,203,840
|
Subject:
Debt Question
|
You have one chance to get this right, do not blow it.
Do not sound like a noob. Prepare the conversation in your head before each call. Have questions written down and ready.
Make the calls and get ahold of a supervisor. Ask your questions, get the answers, do NOT revealwhat anyone else has said unless absolutely needed.
Ask for the supervisor to send you a statement/paperwork with what he just said in writing.
Wash/repeat with each new entity that you get directed to.
The only thing you are seeking to do is gain written verification that each office is no longer dealing with your case.
-----signature-----
The Nanny State cometh Currency should be bacon cheeseburgers and blow jobs... - Reese Life at the Outpost: http://www.collegehumor.com/video:1771556
|
|
Link to this post
|
Aerlinthian
Posts:
66,222
Registered:
May 7, '01
Extended Info (if available)
Real Post Cnt: 65,491
User ID: 94,919
|
Subject:
Debt Question
|
|
Not that this is helpful or any consolation but it is somewhat amusing to think that loan sharks would never have any confusion about who owes what.
-----signature-----
(none)
|
|
Link to this post
|
MatrexMistwalker
Posts:
????
Registered:
????
Extended Info (if available)
Real Post Cnt: 0
User ID: 0
|
Subject:
Debt Question
|
|
Oh once I took some asprin to dull the head ache ive been laughing all afternoon...
-----signature-----
|
|
Link to this post
|
vn_nnanji
Title: Outpost Music Expert
Posts:
71,647
Registered:
Jun 30, '01
Extended Info (if available)
Real Post Cnt: 62,027
User ID: 212,537
|
Subject:
Debt Question
|
Aerlinthian posted:
Not that this is helpful.
I really don't think you need to tell anyone this. It's assumed when we see your icon.
-----signature-----
|
|
Link to this post
|
Thugoneous
Title: Watching Caliente, BRB.
Posts:
6,060
Registered:
Nov 2, '02
Extended Info (if available)
Real Post Cnt: 5,795
User ID: 734,292
|
Subject:
Debt Question
|
|
I can walk to the VA if you give me your full name, DOB, full SSN, mothers maiden name and figure out whats up for you?
-----signature-----
Lady, people aren't chocolates. D'you know what they are mostly? Bastards. Bastard-coated bastards with bastard filling.
|
|
Link to this post
|
Sansfear
Posts:
7,232
Registered:
Aug 31, '08
Extended Info (if available)
Real Post Cnt: 7,182
User ID: 1,318,423
|
Subject:
Debt Question
|
The main thing is to get everything down in writing.
Talking with creditors on the phone, in general, is a bad idea. It isn't going to help you, and could very well hurt you if you make the wrong statement.
-----signature-----
(none)
|
|
Link to this post
|
Taliesihne
Title: Wind on the Deep Waters
Posts:
36,223
Registered:
Feb 19, '04
Extended Info (if available)
Real Post Cnt: 30,592
User ID: 896,469
|
Subject:
Debt Question
|
Ptilk posted:
Just forget about it. In a few years no one will remember and credit scores are meaningless these days anyway.
Worst advice you can take. Debt to the government never goes away.
The suggestion of the lawyer was best. You are in over your head. So is anyone attempting to help you except Mo or Baym. Get a professional.
-----signature-----
Jesus saves, Allah protects, and Cthulhu thinks you'd make a nice sandwich
First comes smiles, then lies. Last is gunfire. -Roland Deschain, of Gilead
|
|
Link to this post
|
vn_nnanji
Title: Outpost Music Expert
Posts:
71,647
Registered:
Jun 30, '01
Extended Info (if available)
Real Post Cnt: 62,027
User ID: 212,537
|
Subject:
Debt Question
|
Have you gotten your free credit report? Do that so you know how it shows on your sheet. It might also show who is reporting the debt...which might help. Prolly not but.....
-----signature-----
|
|
Link to this post
|
DemonicXH
Title: Camelot Vault Staff
News Editor
Posts:
3,822
Registered:
Dec 1, '03
Extended Info (if available)
Real Post Cnt: 3,766
User ID: 863,352
|
Subject:
Debt Question
|
Taliesihne posted:
Ptilk posted:
Just forget about it. In a few years no one will remember and credit scores are meaningless these days anyway.
Worst advice you can take. Debt to the government never goes away.
The suggestion of the lawyer was best. You are in over your head. So is anyone attempting to help you except Mo or Baym. Get a professional.
-----signature-----
(none)
|
|
Link to this post
|
Ptilk
Title: Creepy old pirate
Posts:
50,658
Registered:
Feb 13, '02
Extended Info (if available)
Real Post Cnt: 48,530
User ID: 645,124
|
Subject:
Debt Question
|
|
I'm telling ya, it just doesn't matter.
-----signature-----
(none)
|
|
Link to this post
|
Abaddon_Ambrosius
Title: Retired Theurgist TL
Posts:
25,187
Registered:
Dec 21, '01
Extended Info (if available)
Real Post Cnt: 25,057
User ID: 568,022
|
Subject:
Debt Question
|
Taliesihne posted:
Ptilk posted:
Just forget about it. In a few years no one will remember and credit scores are meaningless these days anyway.
Worst advice you can take. Debt to the government never goes away.
The suggestion of the lawyer was best. You are in over your head. So is anyone attempting to help you except Mo or Baym. Get a professional.
Yup. That was mine, made because I used to work in credit and collections an age ago.
There's a chance that it is vacated or uncollectable. But only a professional can help you establish that. And establish the paperwork to prove it.
-----signature-----
In the immortal words of Socrates - "I drank what?"
"God you guys suck at the internet - how can you fail to locate porn?!" - Eternal_Midnight
"Knowing means nothing." - Fat-badger
|
|
Link to this post
|
Thugoneous
Title: Watching Caliente, BRB.
Posts:
6,060
Registered:
Nov 2, '02
Extended Info (if available)
Real Post Cnt: 5,795
User ID: 734,292
|
Subject:
Debt Question
|
|
Serious answer, it may have been pushed to IRS to pull it out of any tax refund you receive. Military does this a lot with people who separate when owing leave to the the service.
-----signature-----
Lady, people aren't chocolates. D'you know what they are mostly? Bastards. Bastard-coated bastards with bastard filling.
|
|
Link to this post
|
Taliesihne
Title: Wind on the Deep Waters
Posts:
36,223
Registered:
Feb 19, '04
Extended Info (if available)
Real Post Cnt: 30,592
User ID: 896,469
|
Subject:
Debt Question
|
Private debt you can let ride. After 7 years, you are free from it.
Debt to the government is permanent. They can and will ruin your day over it.
Even after the economy collapses. If government does one thing well, it's keep records.
-----signature-----
Jesus saves, Allah protects, and Cthulhu thinks you'd make a nice sandwich
First comes smiles, then lies. Last is gunfire. -Roland Deschain, of Gilead
|
|
Link to this post
|
DemonicXH
Title: Camelot Vault Staff
News Editor
Posts:
3,822
Registered:
Dec 1, '03
Extended Info (if available)
Real Post Cnt: 3,766
User ID: 863,352
|
Subject:
Debt Question
|
You can never get away from student loans given to you by the government either.
Outside of paying it all back with interest the only way to get rid of it is to die.
-----signature-----
(none)
|
|
Link to this post
|
