Consumer Protection Law

Consumer protection law questions? Ask a lawyer now.

Ask a Lawyer,
Get an Answer ASAP!

I have a Citi Bank Student loan ,000 that ballooned with…

Customer Question
I have a Citi Bank...
I have a Citi Bank Student loan for 10,000 that ballooned with interest over the years while I was in school. I pulled it out in 2004. I was 17 yrs old and my aunt gave me permission to use her as a cosigner. I took a lot of breaks due to working fulltime to support myself so my loan automatically use the forbearance up so when I graduated (2013) I had to immediately pay the student loan back. They would not allow me to defer my payments while I looked for employment. My payments were as low as 500 a month. I could barely make the payments with my other student loans. I was making payments in good faith but I could not afford the minimum payment. My monthly payment ballooned to a grand. They told me if I paid the whole amount I could bring the account current. By the time I got up enough money to bring it current which was the next day. They said the account was sold to a collection agency within one day after they spoke to me. They told me to write a letter to try to reverse the default of the student loan. I wrote the letter and never heard back from them. I could not sign into my account online and when I called the my account was no longer active and they did not have a record of it anymore. My aunt who cosigned on the loan is in desperate need to get off of this debt. My first task I need to complete is to have her released as a cosigner as soon as possible. How can I do this?
Submitted: 2 years ago.Category: Consumer Protection Law
Show More
Show Less
Ask Your Own Consumer Protection Law Question
Customer reply replied 2 years ago
Posted by JustAnswer at customer's request) Hello. I would like to request the following Expert Service(s) from you: Live Phone Call. Let me know if you need more information, or send me the service offer(s) so we can proceed.
Answered in 1 hour by:
2/17/2016
Consumer Protection Lawyer: Samuel-II, Lawyer replied 2 years ago
Samuel-II
Samuel-II, Lawyer
Category: Consumer Protection Law
Satisfied Customers: 27,012
Experience: Practice of law for 20 years
Verified

Hello

This is Samuel and I will discuss this and provide you information in this regard.

It is unfortunate, but your aunt will not be removed as a Co Signer. The only way is to find out who holds the collection and then negotiate with them a payment in full to close the matter. You should be able to call Citi Bank and find out which agency has it for collections?

But because your aunt is a co signer, it is possible she could be contacted by the agency before you or before you find out who holds the note now. I suggest you try to find out where it is so you can work something out to have the loan paid in full. At that time, your aunt will no longer be a co signer, obviously.

Ask Your Own Consumer Protection Law Question
Customer reply replied 2 years ago
There is something else. I decided to tell her to go and dispute it because she did not sign for the loan. I technically took her information and signed for her. We can go that route but will she have to press charges on me for it to be removed??
Consumer Protection Lawyer: Samuel-II, Lawyer replied 2 years ago

That is correct. The lender, Citi Bank, will require her to file charges of fraud and forgery. Otherwise, Citi Bank will hold her just as responsible.

Ask Your Own Consumer Protection Law Question
Consumer Protection Lawyer: Samuel-II, Lawyer replied 2 years ago

And it is also possible that if she makes that statement to Citi Bank to get off the hook, Citi Bank will investigate and bring criminal charges against you.

Ask Your Own Consumer Protection Law Question
Was this answer helpful?

How JustAnswer works

step-image
Describe your issueThe assistant will guide you
step-image
Chat 1:1 with a consumer protection lawyerLicensed Experts are available 24/7
step-image
100% satisfaction guaranteeGet all the answers you need
Ask Samuel-II Your Own Question
Samuel-II
Samuel-II
Samuel-II, Lawyer
Category: Consumer Protection Law
Satisfied Customers: 27,012
27,012 Satisfied Customers
Experience: Practice of law for 20 years

Samuel-II is online now

A new question is answered every 9 seconds

How JustAnswer works:

  • Ask an ExpertExperts are full of valuable knowledge and are ready to help with any question. Credentials confirmed by a Fortune 500 verification firm.
  • Get a Professional AnswerVia email, text message, or notification as you wait on our site. Ask follow up questions if you need to.
  • 100% Satisfaction GuaranteeRate the answer you receive.

JustAnswer in the News:

Ask-a-doc Web sites: If you've got a quick question, you can try to get an answer from sites that say they have various specialists on hand to give quick answers... Justanswer.com.
JustAnswer.com...has seen a spike since October in legal questions from readers about layoffs, unemployment and severance.
Web sites like justanswer.com/legal
...leave nothing to chance.
Traffic on JustAnswer rose 14 percent...and had nearly 400,000 page views in 30 days...inquiries related to stress, high blood pressure, drinking and heart pain jumped 33 percent.
Tory Johnson, GMA Workplace Contributor, discusses work-from-home jobs, such as JustAnswer in which verified Experts answer people’s questions.
I will tell you that...the things you have to go through to be an Expert are quite rigorous.

What Customers are Saying:

Mr. Kaplun clearly had an exceptional understanding of the issue and was able to explain it concisely. I would recommend JustAnswer to anyone. Great service that lives up to its promises!

Gary B.Edmond, OK

My Expert was fast and seemed to have the answer to my taser question at the tips of her fingers. Communication was excellent. I left feeling confident in her answer.

EricRedwood City, CA

I am very pleased with JustAnswer as a place to go for divorce or criminal law knowledge and insight.

MichaelWichita, KS

PaulMJD helped me with questions I had regarding an urgent legal matter. His answers were excellent.

Three H.Houston, TX

Anne was extremely helpful. Her information put me in the right direction for action that kept me legal, possible saving me a ton of money in the future. Thank you again, Anne!!

ElaineAtlanta, GA

It worked great. I had the facts and I presented them to my ex-landlord and she folded and returned my deposit. The 50 bucks I spent with you solved my problem.

TonyApopka, FL

Wonderful service, prompt, efficient, and accurate. Couldn't have asked for more. I cannot thank you enough for your help.

Mary C.Freshfield, Liverpool, UK

< Previous | Next >

Meet the Experts:

Infolawyer

Infolawyer

Lawyer

7,088 satisfied customers

Licensed attorney helping individuals and businesses.

Ely

Ely

Counselor at Law

3,436 satisfied customers

Private practice with focus on family, criminal, PI, consumer protection, and business consultation.

Barrister

Barrister

Lawyer

1,671 satisfied customers

Attorney,17 years experience in consumer protection areas

P. Simmons

P. Simmons

Lawyer

1,222 satisfied customers

16+ yrs. of legal experience.

LADY LAWYER

LADY LAWYER

Lawyer

748 satisfied customers

Consumer Lawyer

RGMacEsq

RGMacEsq

Lawyer

604 satisfied customers

Licensed Texas General Practice Attorney

John

John

Lawyer

516 satisfied customers

Licensed and practicing attorney experienced in consumer protection law.

< Previous | Next >

Related Consumer Protection Law Questions
I live in the NY city metropolitan area and have been
I live in the NY city metropolitan area and have been scammed by a tech support company also located in New York city who sold me a 3 year subscription to Office 365 with tech support. They lied to me… read more
Infolawyer
Infolawyer
Lawyer
Doctoral Degree
7,088 satisfied customers
Trinity Financial Solutions Group, main office in Vero Beach
Trinity Financial Solutions Group, main office in Vero Beach Florida & one branch in Denver Colorado, They present themselves as a tax resolution service. Are they a legitimate business? … read more
Zoey, JD
Zoey, JD
Doctoral Degree
193 satisfied customers
I am being sent t0 collection for cancelling a 24 month
I am being sent t0 collection for cancelling a 24 month internet contract. The service was terrible. I cancelled after 1 month. … read more
Legal Eagle
Legal Eagle
Attorney
Doctoral Degree
12,171 satisfied customers
I invested in a real estate scam, without knowing it at the
I invested in a real estate scam, without knowing it at the time. It went under and was proven to be a scam. How can I get my $19,000.00 back? … read more
Ray
Ray
Lawyer
Doctoral Degree
33,008 satisfied customers
I got a message from USPS regarding a person I don't know
I got a message from USPS regarding a person I don't know has applied for a change of address to my home address. I have owned and lived here since 1972. The instructions were to call 1-800-ASK-USPS. … read more
Legal Eagle
Legal Eagle
Attorney
Doctoral Degree
12,171 satisfied customers
My prescription records for Narcotic from a pain Management
My prescription records for Narcotic from a pain Management doctor were mixed up with my sisters records recorded by the state report. This gave her Pain management doctor false positive reporting whi… read more
PhillipsEsq.
PhillipsEsq.
Attorney
JD
818 satisfied customers
Can anyone give us some info on this Oath New Privacy and
Hello, can anyone give us some info on this Oath New Privacy and Terms this appears to be one sided and the consumers have no say so?… read more
Law Educator, Esq.
Law Educator, Esq.
Attorney At Law
Doctoral Degree
244 satisfied customers
Where can I find me a lawyer to write me a letter? I was
where can I find me a lawyer to write me a letter? I was talking with an info layer and was giving 2 sites and then our chatbox vanished… read more
LegalGems
LegalGems
Juris Doctorate
12,269 satisfied customers
I need advise from a lawyer who's thoroughly familiar with
I need advise from a lawyer who's thoroughly familiar with Washington State civil law, who can advise me on my options for how to collect on a judgment granted for an improper towing. I contested the … read more
LegalGems
LegalGems
Juris Doctorate
12,269 satisfied customers
What is the best way to file a claim using travel insurance
What is the best way to file a claim using travel insurance if missed International flight due to a combination of airport shuttle/taxi breakdown, long delays in securing alternative transportation to… read more
Law Educator, Esq.
Law Educator, Esq.
Attorney At Law
Doctoral Degree
244 satisfied customers
Is it legal to send advertising or thanking letter to my
Hi, is it legal to send advertising or thanking letter to my previous consumer who bought items from us? We plan to send by DHL e-commerce which doesn't require a signature.… read more
Eric Y., Esq.
Eric Y., Esq.
Law/J.D.
310 satisfied customers
I have been contacted by American sweepstakes network. They
I have been contacted by American sweepstakes network. They say I am a 2nd place winner for $750,000. I have terrible credit and they said their going to pay down my 4 credit cards to pay the fee of $… read more
Alex J. Esq.
Alex J. Esq.
Managing Attorney
Doctoral Degree
2 satisfied customers
I have a 7 year old granddaughter. My wife signed a contract
I have a 7 year old granddaughter. My wife signed a contract at the karate schoo I believe for 3 years. My granddaughter hasn't gone to a class for a couple of months. We continue to get charged even … read more
LegalGems
LegalGems
Juris Doctorate
12,269 satisfied customers
Personal injury car accident case. a doctor referred by PIP
personal injury car accident case. a doctor referred by PIP attorney had me sign a contract that stated non of my physical therapy treatments were covered by my PIP car insurance and I would own any c… read more
PhillipsEsq.
PhillipsEsq.
Attorney
JD
818 satisfied customers
Is this chat/my IP admissable in court, before I begin?
Hi there. Is this chat/my IP admissable in court, before I begin? … read more
Asad Rahman
Asad Rahman
Attorney
J.D.
2,467 satisfied customers
What can I do if and when a painting contractor doesn't
What can I do if and when a painting contractor doesn't fulfill a contract and yet kept money that he should never keep. Are there any legal actions I can take to get at least part of the money he too… read more
LegalKnowledge
LegalKnowledge
Juris Doctor
30,207 satisfied customers
I contacted Apple to obtain software. I thought it
I contacted Apple to obtain software. I thought it legitimate since I made the call. Then I kept getting in deeper & deeper. I used Apple gift cards & Google Gift cards. When I became suspicious, I th… read more
Zoey, JD
Zoey, JD
Doctoral Degree
193 satisfied customers
My wife and I signed a contract with this company Laystone
My wife and I signed a contract with this company Laystone Interlock, that came around our street, to do our driveway ! The contract price was for $ 9,500.00. No payment till the job is done. To lay I… read more
P. Simmons
P. Simmons
Lawyer
Doctoral Degree
1,222 satisfied customers

DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.

The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).

DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.

The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).

Show MoreShow Less

Ask Your Question

x