Student Loan co. filed a claim with the govt.

First of all, all debts must be properly validated. Meaning before a judgement can be sought, the consumer (you) must be sent a validation of debt, and a chance to remedy the situation. If what you say is complete, then you never were granted a legal validation of the (alledged) debt or were given a timeframe to pay back the money. You should find out which agency of the government is handling this, and plead your case. 1. Never received validation of said debt. 2. Was never given any recourse to repay the said debt. This may buy you some time to figure out a workable solution. Just remember, student or education loans never reach a statute of limitations, as most debts do have an expiration date to them.

Validating a student loan is often seen as a stall by the agencies that are handling the loan. Yes, validating is a legal requirement but students can easily track their own student loans via http://www.studentclearinghouse.org/ or by calling 1-800-4FEDAID. At best it will buy you a week to 10 days while they pull a copy of your prom note.

Borrowers are expected to pay their student loans even if they do not receive a bill. Defenses of Laches not a valid defense either..from the DOE site...
Defense of Laches (Unreasonable and harmful delay in demanding payment)

Because default on a publicly-financed debt, such as student loan or grant obligation, harms the taxpayer, Federal law precludes the debtor from avoiding repayment by claiming that the debt should not be enforced because of delays in demanding its repayment. Moreover, where the debt is a student loan, the borrower has agreed in the note to apprise the holder of the loan of his or her current address. Thus, a claim that the debt, or interest owed on the debt, should not be enforceable because of delays in demanding payment is also barred because the borrower, not the lender or the Department, was legally obligated to notify the holder of his or her correct address.

If you wish to avoid having your taxes seized and your wages garnished (they do not need a court order for admin wage garnishment) you need to contact the guarantey agency listed on your report now. Loans are certified for tax offset based on lack of payments and right now is the period that the lists are compiled for the different agencies. They are usually submitted to the IRS early December.

Yeah...what she said. :D

I think this guest is Breakthecycle who posted another thread on here.

I see that alot here. Someone will post the same stories with different threads or names. Odd.

I did that by accident actually. My computer was freezing up and this site logs you out after being inactive for a period of time and I forget.

All is forgiven. :D

We just received a notice of proposed offset. I was told that in order to delay the offset we could request a review and an opportunity to see the documents within 60 days. Please advise.

was this offset for 2007? if so, you are way too late. 2008 offsets dont get submitted until about thanksgiving.