Ive been bankrupt for about 3 years. I have a student loan that was in deferment at the time so i did not include it. I do know that student loans are harder to dismiss anyway. But Ive been recieving disability benefits for a number of years and can only work PT - really for hte rest of my life because of the disability. I was dismissed from the loan becuase of my disablity but because my doctor didnt return papers - my loan was "given" to another company.
After 8 months I just paid off the loan (which I borrowed) - which was $300. I have about $150 left in late fees. I know the company does not see it as I paid off the loan - they see it as I paid off the fees and a bit of the loan - which still needs repayment.
Unlike some credit cards though they are refusing my request to have the late fees dropped.
I just want to know if there is anyway around these late fees. I know the fees will just continue if i dont pay and they already sent a letter stating they will go into my bank account or tax return to get the money I owe. I do want to get this over with. But putting hte payment off with another deferment will only cause me more craziness later. Im sure i HAVE to pay it - but just wanted to double check if there was somethign else I could do before doing so.
Im also thinknig that if i waited to pay until it went to a collection agency that maybe then they wouldhave dropped the late fees. I may have actually screwed myself by paying now.
thanks
After 8 months I just paid off the loan (which I borrowed) - which was $300. I have about $150 left in late fees. I know the company does not see it as I paid off the loan - they see it as I paid off the fees and a bit of the loan - which still needs repayment.
Unlike some credit cards though they are refusing my request to have the late fees dropped.
I just want to know if there is anyway around these late fees. I know the fees will just continue if i dont pay and they already sent a letter stating they will go into my bank account or tax return to get the money I owe. I do want to get this over with. But putting hte payment off with another deferment will only cause me more craziness later. Im sure i HAVE to pay it - but just wanted to double check if there was somethign else I could do before doing so.
Im also thinknig that if i waited to pay until it went to a collection agency that maybe then they wouldhave dropped the late fees. I may have actually screwed myself by paying now.
thanks
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