Cosigner drama.Q In 1992, my daughter graduated from college with a $3,000 student loan, which I helped her pay. However, she had another loan I was not aware of. The company is saying I cosigned for the loan, but I did not. Now they are trying to attach a lien lien, claim or charge held by one party, on property owned by a second party, as security for payment of some debt, obligation, or duty owed by that second party. to my house. Whom can I contact to see if this is legal? --J. Epso, Thousand Oaks Thousand Oaks, residential city (1990 pop. 104,352), Ventura co., S Calif., in a farm area; inc. 1964. Avocados, citrus, vegetables, strawberries, and nursery products are grown. , CA A This is a case for ah attorney. First, get the original loan agreement from the company. Next, ask yourself if it is possible that your daughter forged your signature. Once you have the documentation, compare signatures. "If the signature is similar to yours, you may have to hire a hand writing expert [as well as an attorney]," says William A. Taylor, partner at Taylor Goins L.L P. (The Business Lawyers)in Oakland, California “Oakland” redirects here. For other uses, see Oakland (disambiguation). Oakland (IPA: /ˈoʊklənd/), founded in 1852, is the eighth-largest city in the U.S. . "If the company is heading toward a lien, that means there was a judgment; a judgment only comes as a result of a lawsuit lawsuit: see procedure; tort. ," says Taylor. Did you of your daughter receive a complaint? "If the answer is no, then the company is bluffing." To scout a lawyer, contact the National Association of Consumer Advocates (www.naca.net, 202-452-1989) and the National Bar Association (www.nationalbar.org; 202-842-3900). Since state laws vary, contact a California lawyer Remember, these organizations offer referrals, not recommendations, so do your homework. "It may also be that debt collectors debt collector n → cobrador(a) m/f de deudas debt collector n → agent m de recouvrements debt collector debt n are harassing [consumers], hoping they don't realize their rights," says John Ventura, consumer law attorney and author of Law for Dummies (For Dummies; $21.99). The Fair Debt Collection Practices Act The Fair Debt Collection Practices Act (or FDCPA), et seq., is a United States statute added in 1978 as Title VIII of the Consumer Credit Protection Act. Its purposes are to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection and prohibits a debt collector from such practices. In any case, "the attorney will separate fact from fiction," he says.--Tanisha A. Sykes |
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