The Student Loan Scam: The Most Oppressive Debt in U.S. History - and How We Can Fight Back

Alan Collinge never imagined he would become a student loan justice activist. He planned to land a solid job after college, repay his student loan debt, and then simply forget the loans ever existed. Like millions of Americans, however, in spite of working hard, Collinge fell behind on payments and entered a labyrinthine student loan nightmare.

High school graduates can no longer put themselves through college for a few thousand dollars in loan debt. Today, the average undergraduate borro

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Question by Sherie D: How do I help my grandfather get out of debt?
Recently me and my fiance moved in with my mother and Grandfather temporarily to save up for our new home we will be purchasing in the next few months. Upon moving in I realized how much debt my own mother has put my grandfather in. He is 67 years old and is a retired air force vet and is on full disability. My mother has been in ‘control’ of his finances for the last ten years in which she has pushed him through 2 mortgages leading to a bankruptcy. In the last week since my mother has been out of town I have been recieving notices in the mail, that my mother always gets to before my grandfather can see them, of one saying the house is being forclosed on and that his checking account is overdrafted nearly $ 600. Not to meantion I found out that she let his life insurance go out years ago so now he is not covered and I can not find a life insurance company that will cover a 67 year old man with high blood pressure for a reasonable amount. I was looking into becoming Power of Attorney over my Grandfather so my mother will have virtually no say in his financial affairs anymore. Any idea’s on how to help him would be amazing! I’m stuck with endless ideas but none seem plausable. Note-He makes around $ 2,300 monthly and has a mortgage of $ 800(estimate) truck payment of $ 300 my mothers car payment of $ 300 and insurance for both vehicles of $ 400. Not to meantion the utilities and other house hold bills. Should I look into hiring a CPA?
My mother is not exactly an evil person but definately a selfish one. I don’t believe she intended things to go as far as it has. Nonetheless, she was given an option yesterday by me and my Grandfather to either get a job and help pay back some of the debt or to leave. Needless to say, we haven’t heard from since then. She has not worked in 10 years, literally, and has stated “I can’t work, I have to stay home and take care of Grandpa.” My grandfather is fit as a fiddle and can take care of himself. His only problem is that he forgets to eat sometimes. But I can always make arrangements with local senior care organizations that will deliver at least 2 meals a day. I am willing to take over a bill or two but simply can not afford more than $ 300 monthly. I am trying to make a life for myself as well. No legal action will be taken upon my mother, just to keep peace in the family and less stress for my Grandfather. However she will be homeless and carless (since everything she owns is actu

Best answer:

Answer by David M
More than anything else your grandfather needs money. How much if any are you willing to give him? The next thing you need to do (and this will sound tough) is to throw your mother out of the house. What she has done to your grandfather borders on criminal and probably is. And if she’s done it once, she’ll do it again as long as she lives here. If you’re serious about helping your grandfather, you need to deal with the root cause, your mother. You don’t need to talk to a CPA, you need to talk to your State’s Attorney to consider if criminal charges should be brought against your mother. You want to go there? Sorry to say, if you don’t remove your mother legally from your grandfather’s finances she will bankrupt him. Sorry to say this, but your Mom sounds like an evil person. Glad to see you cane out OK.

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Forza, Martins' debt nears $2.2 million.(Forza Marketing Group owners Tim and Cheryl Martin file for bankruptcy): An article from: Arkansas Business

This digital document is an article from Arkansas Business, published by Journal Publishing, Inc. on September 13, 2004. The length of the article is 1057 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase. You can view it with any web browser.

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Title: Forza, Martins' debt nears $2.2 million.(Forza Marketing Group owners Tim and Cher

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CRAMDOWN: Renegotiating Mortgages, Car Loans, Student Loans, Credit Card Debt, Taxes & Other Obligations in the Age of Wall Street Bailouts

This fall, Silver Lake Publishing is “crashing” into retail stores a new book on loan mods and other renegotiations. CRAMDOWN: Renegotiating Mortgages, Car Loans, Student Loans, Credit Card Debt, Taxes & Other Obligations in the Age of Wall Street Bailouts follows in the series that has included the national bestsellers Identity Theft and Scams & Swindles. This is the first comprehensive book on the topic of loan mods widely available to a national audience.
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Question by mc_dre: Bankruptcy or Debt Consolidation? Pros and Cons?
I have a severe issue proper now. All need professional/intelligent answers no spamming please. I’m in about 21,000 credit card debt. I am having significant problems paying off the cards, (6 cards). Bankruptcy is entering my mind, but I am seeking at these debt consolidation websites, they claim its greater to use them than filling for bankruptcy. I’m attempting to get 2nd job, no luck with how this economy is going. My question is, whats the pros and cons of both possibilities. 2nd I work as a supervisor of a significant freight organization, when they promote me down the line, will they uncover out I’ve filed for either bankruptcy or making use of debt consolidation. Man I was young and stupid, with credit cards now I’m suffering big time. One factor I thought of, was 1 month pay off one card, which will lead me to skip the other cards payments, then next month make a big payment and skip others, then repeat, but that would destroy my credit score.

Very best answer:

Answer by Joe C
A debt consolidation is greater than bankruptcy.

Initial, stop employing the credit cards. Then keep making minimum payments on all except the card with the smallest balance. Put all extra funds toward paying that card off. Maintain that going until all cards are paid off.

If you select a consolidation approach, you have to pay off the debt with the exact same urgency as the procedure stated above. If you don’t the interest will eat you alive. Comprehend that a consolidation doesn’t reduce your debt, only spread it over a longer pay timeline, therefore it ends up costing you more over the length of repayment.

Bankruptcy will ruin you for years to come. And yes, your employer can pull your credit report.

As far as a second job, take anything that will bring in cash whilst you look for far better possibilities.

You can do it. Get it completed.

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Debt Collections: Stir-Fried or Deep-Fried? Asian & Western Strategies to Collect More Money, Reduce Bad Debts & Keep More Custs

A practical business cookbook on how to creatively collect debts from overdue customers using Asian and Western collection strategies. The author is an American living in Asia since 1995. Accounts receivables are most firms largest asset, and often it's most unmanageable. This book shares ideas to improve your firm's processes, people and systems to reduce bad debts and increase sales and profits. A humorous 'how to' book to put more money in your firm's pocket while keeping you up-to-date in th

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