TERI Student Loan Turned Over for Government Collection
My question involves collection proceedings in the State of: Connecticut
On my husband's credit report, his TERI student loan is listed as "defaulted; turned over to government for collections." We have heard nothing. No calls, no payment requests. .... Any idea what this means? Will our tax return suddenly be garnished without warning?
We claimed Chapter 7 and just got a discharge. We plan to file Ch. 13 now, solely to make arrangements for this student loan. We really need this tax return money--but should we wait until filing the Chapter 13 to file our tax return?
Also, this may be out of the scope of this thread... but it's related to the whole situation. Our Chapter 7 case was discharged before we got to file motions to avoid liens (medical bills that were discharged in the ch. 7 case). We're wondering if we have to reopen the ch. 7 case to file those motions, or whether they can be filed under Chapter 13 just as easily?
Re: TERI Student Loan Turned Over for Government Collection
"Defaulted" means he didn't pay it. "Turned over to government for collections" may well mean that his tax refund is garnished and applied toward his debt. They don't have to give you warning.
If you mean you haven't filed your taxes yet, I hope you applied for an extension.
If you are serious about filing Chapter 13, you should consult a bankruptcy lawyer and form a strategy in consultation with your lawyer.
Are you stating, in your last question, that liens were perfected before you filed for Chapter 7 protection? Against the marital home? And for reasons we don't know you chose not to include those debts in your original Chapter 7 filing?
Re: TERI Student Loan Turned Over for Government Collection
Address those last questions in your other thread.