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Mother was a cosigner on my student loan and filed Ch13

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jeremyfaught



Joined: 18 Apr 2016
jeremyfaught's page
Posts: 1



20 Magic Points

Subject: Mother was a cosigner on my student loan and filed Ch13
 
Posted on Mon Apr 18, 2016 8:33 pm  

I have a student loan that my mom cosigned for me back in 2005. It has paid as agreed for the last 7 years. In late 2015, my mom filed bankruptcy without realizing that one of her debts was my student loan. My credit score dropped from a 791 to a 690 overnight.

I immediately contacted AES, who told me it was already sent to collections. After waiting almost 2 months for the collection agency to "receive it," I asked for instructions to pay the note in full. I fulfilled these obligations, have credit reports showing it was never late, have a copy of the cashier's check for the loan amount, and have a letter from the collection agency that the note has been paid in full.

On my last credit report, it still lists it as a collection/charge-off.

How in the world can I get this off my credit report, since my actual credit was never actually in question, and I paid the full $2K as soon as I knew it was an issue? I hope to God that I do not have to have this on my report for 5 years when her bankruptcy is discharged.

TLDR: I paid my loan as agreed for last 7 years, mom files for bankruptcy, now I have a charge-off on my account. I have paid it in full but it still remains on my credit report 6 months later now.
Guest







 
Posted on Tue Apr 19, 2016 8:09 am  

which state are you from?
christinesussy
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Subject: Referral
 
Posted on Tue Sep 13, 2016 12:00 pm  

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Subject: Thanks for referring
 
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David Peabody
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Subject: Thanks for referring
 
Posted on Fri Sep 16, 2016 2:07 pm  

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Thank you for referring me.
David Peabody
Guest






Subject: Thanks for referring
 
Posted on Fri Sep 16, 2016 2:08 pm  

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Thank you for referring me.
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Guest






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