Husband of a loan owner

Date: Mon, 03/11/2013 - 21:30

Submitted by anonymous
on Mon, 03/11/2013 - 21:30

Posts: 202330 Credits: [Donate]

Total Replies: 4

Husband of a loan owner

Hi, I have a few questions. First, I recently talked with Allied Interstate attempting to collect a loan from my wife. If I've already talked with them, is it too late to send out a debt validation letter?

Second, my wife incurred the loan before we married, I am not a cosigner, and she is disabled. She has no way of making an income for herself. Since I didn't sign for the loan, I'm not legally required to pay it, right? I mean, I wish to help her pay it in time, but I have my own loans to focus on first.

Due to past issues, her credit score is shot, she has no wages to garnish, and the bank account is in my name. Is there any unforeseen things the credit agency could do that I'm not aware of?

You can send out a DV but

You can send out a DV but quite frankly it is pointless and will show you as a difficult debtor.

lrhall41

Submitted by SOAPLADY on Tue, 03/12/2013 - 17:41

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So the fact that I have

So the fact that I have already spoken on the phone to the collection agency on her behalf doesn't mean I can't send out the validation letter?

lrhall41

Submitted by anonymous on Tue, 03/12/2013 - 10:04

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Won't the letter buy us some

Won't the letter buy us some breathing room at least? She doesn't have ss, but we were thinking of applying for the purposes of paying the debt.

lrhall41

Submitted by anonymous on Tue, 03/12/2013 - 10:07

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There really is no point in

There really is no point in sending a DV....Allied is a Department of Ed vendor and the DOE will and can easily validate the debt.

Is she on social security or DSSI??? That income IS garnishable by the feds under administrative wage garnishment.

lrhall41

Submitted by SOAPLADY on Tue, 03/12/2013 - 06:10

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