I have record of my payoff. What is disturbing is, that when you apply, I only filled out one student loan applciation. I consolidated into one loan. I mean, is there any other kind? I have been advised that the consolidation was not in "complete". and that I might not have consolidated all the loans. But, the loan documents provided to me by a servicing agency was the basis of which I paid off a lump sum. And, collection agency, General Revenue Corp which was servicing for HEMAR before is claiming that my loans were not consoldiated! And it went thru two separate consolidation ways. I can understand that if I did not pay at all....but I did pay a lump sum, and I have never gotten back my taxes both federal and state...so, they should have the burden of showing me that I owe sum certain. What are the debtor's rights here? How can consolidation be in effect, 'deconsolidated or ineffectively consolidated? Isn't that the point of consolidating? I began keeping journals, and notes, letters and faxes, and certified mails. I appreciate all this help. Mia
Editor's Note: It sounds like you have all of the proof you need to fight this. I'd call your states attorney or attorney general and ask them who you can deal with on this. One call from them and sometimes these things can be straightened out quickly. You can also call your U.S. representative or Senators. They may be able to help also. Make sure that you only send copies of your proof and keep the originals. Let us know how this turns out. Susan from ThriftyFun ... View related article.
