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  1. #1
    Join Date
    May 2010
    Posts
    7

    Default Defaulted Student Loans when Living Overseas

    My situation:

    • I have student loans totaling $65,000 (principal amount), 8 of which are Stafford (Guaranteed Student Loans) and 2 of which are Perkins loans.
    • I live in Europe and am a citizen of a European Union country.
    • Unproudly, I have been defaulting on these loans since the year 2000, as I had no means to repay them.
    • Prior to moving to Europe, I had been paying back my loans regularly.
    • The debt collectors keep "hassling" me at work (they found my phone number in a work-related article on the Internet).
    • Now the total debt is $115,000 including interest and penalties.
    • I am a single mom, work part time, and don't receive financial support from the father.
    • I don't plan to ever move back the US.
    • I cannot pay back these loans now, and don't anticipate being able to do so in the future.



    My questions:

    • What are my options for getting this debt fully discharged?
    • Can the government or the debt collectors claim the debt or garnish my wages, etc. as long as I live overseas?
    • If I file for bankruptcy in Europe, will that relieve me of my student loan debt in the US?
    • Do I need a "undue hardship" ruling to get a bankruptcy discharge of my student loans even when I live and file for bankruptcy in Europe?
    • Can a "undue hardship" petition be filed by my lawyer in Europe or do I need to get a lawyer in the US?
    • What is the statute of limitations for student loans (made in Pennsylvania and California)?
    • Will I have trouble travelling into the US as a tourist as long as I am defaulting my debt?
    • How can I get the debt collectors off my back now that they have my office phone number?


    That's it for now. I hope someone in this forum can help advice me what my best options are. Many thanks in advance.

    mariasand

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