My question involves collection proceedings in the State of: New York. The student lives in Washington.
My mother cosigned a bank student loan for a large amount for her then son-in-law. He completed college five years ago and has not made a payment on the loan. My mother pleaded with him to pay and he told her to "lay off him" and not to ask him again. My mother has been making payments for years but my father recently died months ago and his pension stopped coming. My mother is retired and makes a modest social security income and can not afford to make the loan payments anymore. She is strugling to make the school tax and county tax payments and just can not squeeze out anymore money and still be able to pay her own bills. This is so irritating to me because my ex brother in law laughs at this situation and is a self proclaimed "slacker". What are my mothers options on this loan? Should she sue him? What happens if she defaults on the loan? Will her social security benefits be garnished? Will she go to jail? Any insight would be appreciated. Thank you.