DV for CA collecting student loans

DVing will likely result in your account being thrown immediately into garnishment....it is seen as a stall. Besides, they can get the prom note in less than a week.

What state do you live in?

It really doesnt matter what state they live in. It is a federal loan.....laws are the same for all borrowers under the HEA.

Where did he say it was a federal loan?

Read his first post....it refers to another post. He owes to Edfund which is the California Student Aid Commisiion.

wouldn't CAlifornia Student Aid Commission be a state loan, not federal?

CSAC is a FFELP lender...Federal Family Educational Loan Program.

Soaplady is correct. CSAC is the guarantor for my defaulted loans.

Is it a good idea to send a partial CND to be contacted only via mail?

This would give me good history and elimante the he said/he said stuff.

Any cease is a bad idea....they will not communicate via the mail except for standard dunning letters. C&D's mean a quick trip to garnishment.

Thanks, I am just getting frustrated as they are not wanting to move away from the 10% down payment and I have a few days to wait until the ombudsman office "may" call me back.

I just don't want to end up in garnishment before I have a chance to rehab.