Hi,

Thanks for your response. Yes, we only had a photocopy, but apparently SM never even received an 'original' anyway, since the form was faxed in and they accepted that as their original copy.

The borrower is not current on the loans, and this will be the third month of non-payment, which means from our understanding that it is about to be reported as a delinquent account to the credit reporting agencies. That is why I am feeling pressure to try to get this taken care of, because even if we go to court and eventually get removed from the loan, my husband's credit will be negatively affected until this is over.

From your experience with these types of cases, is it likely that SM will release my husband from this loan without making us go to court based on the handwriting analysis, or is it more likely that they would try to force this into court? If that were to happen, how long do cases like this typically take to resolve, and will it be costly on our part?

Thanks again.