
Quoting
thorpe22
My question involves collection proceedings in the State of: Texas
Regrettably I am amongst the masses of people that tried to further another person's education by helping them out as a co-signer. Now this loan in particular I do not recollect signing any documents for nor do I have any copies of the loan origination documents. I did however co-sign for a separate loan through Sallie Mae with the same person as listed in the AES loan. I have all documentation of the Sallie Mae loan but I do not for the AES loan. I am normally very good at filing and retaining all legal documents that requires my signature in a safe location.
On September 2nd, 2011, I submitted the required forms for the "standard right-to-know" request. This was done to get copies of the loan origination documents to see if it is truly my signature or not. I have not received any information from AES regarding the documentation on this loan to this date. I have also requested numerous times on the phone with representatives and all I have received with a letter stating that I requested for information but did not receive the actual documentation that I have been requesting. I have also contacted their legal department and have yet to receive a reply.
Despite that this loan could very well be fraudulent, to keep my credit rating from taking any hits I have continued to try to keep on the borrower to keep this paid on time. The borrower on this loan has been on and off with keeping payments on time and I have made payments on this loan to keep it from damaging my credit. I have become fed up with having to cover for the borrower and am refusing to pay the loan until I receive proper documentation that I am indeed the co-signer. Currently I cannot get ahold of the borrower anymore(disconnected phone and moved without notifying me the address, both of which are breeches of a contract that I had a lawyer create for Sallie Mae loan) the loan is now 90 days overdue and am lost on what my options are as far as dealing with AES and this loan. What are my options with dealing with this loan and AES? And how do I pursue that? Currently I am Iraq and will be here until the end of the year. Thank you!