dear Sticky, My UCC1 is finished and reasy to mail out tomorrow thanks to the help here.
the FTC wrote to me yesterday to say that they could not get involved in helping me in my dispute with the debt collectors because it is a "private matter". (I had written to them to request that they investigate).
How is a dispute btween myself and a CORPORATION, (SALLIE MAE, GRC AND NEAL) regarding a student loan, a pricvate dispute?
IF the FTC cannot intervene in this matter, then all I have accomplished is to get them to back off, but I do not know what to do next.
To date I have sent them a CA, and they provided nothing in response but a copy of a promissory note. they also sent me loan forms several times, which I thanked them for but explained I was not applying for a loan with them, so I didn't understand why they were sending me loan forms.
I continued to send CAs each time they wrote, and then I found Sui Juris and figured out I was spedning a heck of a lot more energy than I eneded to.
So, this is a secured (student) loan issue, and they have backed off due to my Ca. How tdo I get my credit cleared up and what do I do to ensure they don't come back after me using some different strategy?
I realize that there are no silver bullets and that I have to keep at it, but I do want to make sure that THIS TIME I am doing this correctly. Most of what I have read so far doesn't seem to address student loan or secured loan issues.
Also, is there any way to get damages against them without going to court? they did not answer my claim that they owed me damages, and they also did not asnwer my claim that I can act as their agent. (Again, previous advice suggesated I might be able to sign as their agent to get rid of their negative reports to the 3 CRAs, however I have not moved forward with that. I am in over my head on that issue, (so I just stopped altogether and started reading as much of the materials on this site as I could.
In my reading so far, the smartest thing to do seems to be to pay them off with a BOE if they will take it. Once I learn how to do that, I will be a very happy camper.
Thank you for your help. My struggle to learn continues.
Blessings, Tatsy