Changing address

Best bet would be to change your address on them if you can't make her stop paying them.

Either you can put up with the harassment, or you can maybe us a P.O. box instead? Either way I believe after they get no reply they'll most likely go back to bothering your old address..

Almost forgot, if you haven't done so yet.. You can file a Forbearrance on the debt(s)/loans. If they are state/fed loans usually you can get one for up to 3 years. That may help out a bit..

If you are planning to leave abroad, I believe the fdcpa laws are not prevalent outside USA.

You will have to obtain a new credit file in a new country. However, when you will return back, they will try every bit to contact you.

Thanks. Im the original poster. Yes, I was afraid that they would go back to the old address after not hearing anything from the new address. Maybe if I make just one payment from the new address they'll stop. And I should get my name off of my mother's checking account too. I guess its considered a joint account. I doubt they would care who's name is on the check, though. So that might be a waste of time.

I had a year forbearrance, but I dont want to do that again. I don't wany to send another penny for this loan for reasons I wont get into.

Im not sure what Ben is saying. They would be unable to contact me outside of the US? That's not what I've heard. I gather that they're unable to collect or...take money from my wages or anything, but they would still be able to call and send letters. To be honest, the main reason Im leaving the country is to get away from this debt.

That is what I meant to say in my post. They will not stop calling you, but they will be unable to collect money from you.

However, there are some agencies that have a wide network and branches operating abroad and they gather information from the bank accounts. So, you need to think from this end too.

Yes, I only plan on having a small amount in the bank account. And I guess I'd have to send a cease and desist letter if the calls came. Thanks.

If you face any problem in the future, just let us know. The moderators and the community members will be able to provide you a proper guidance.

I got a PO box once I moved and had loans harassing me.
I have not and will not give my new address out to anyone that does NOT absolutely NEED it. I was wary to even give it to my employer!
The PO box has been working well...if anyone tells you that they MUST have a street address to send their mail to, that's b.s. A PO box is sufficient.