Legal

Ask a Lawyer and Get Answers to Your Legal Questions

Ask a Lawyer,
Get an Answer ASAP!

Legal
This answer was rated:

Im confused as to how to deal with student loan issues. In

im confused as to how...
im confused as to how to deal with student loan issues.
JA: What state are you in? It matters because laws vary by location.
Customer: in Calif
JA: Has anything been filed or reported?
Customer: I keep receiving text or emails offering assistance with loan forgiveness or repayment help...some with fees others saying I can get it done without fees. My loans keep getting bigger and bigger due to accurring interest, but I don't know what to do or how to respond to anyone.
JA: Anything else you want the lawyer to know before I connect you?
Customer: That presently my loan servicer is Navient
Show More
Show Less
Ask Your Own Legal Question
Answered in 1 minute by:
10/23/2017
Olivia Kent
Olivia Kent, Attorney
Category: Legal
Satisfied Customers: 1,651
Experience: Partner at Kent Law Group, LLC
Verified

Hello and welcome to JustAnswer. My name is ***** ***** I'm an attorney. Please note this site is general information for educational purposes only and doesn’t constitute not legal advice. You might be offered a phone call, but you are under no obligation to accept; the phone call requests don’t come from me - they’re offered by the website - but if you do want a phone call I’d be happy to do that as well. I'll be happy to help you in any way I can.
.
What can I answer for you? I've read what you wrote but I don't see a question listed. I see that you're confused about how to "deal with" loans, but I'm going to need a bit more specificity to your question in order to help you.

Ask Your Own Legal Question
Customer reply replied 1 month ago
I guess im wondering is it legal to charge fees from loan processing agencies to help consumers with student loan debt, and have you come across instances when a fee was paid and the promises where kept and the loan was forgiven or a least brought to a manageable repayment status. I need to get going on something (repayment) because interest is accruing everyday and my loan has doubled since 2006.
Customer reply replied 1 month ago
sorry unable to afford a live call at this time.

I guess im wondering is it legal to charge fees from loan processing agencies to help consumers with student loan debt.

Answer: They're not charging fees on the loan, they're charging for their services as any other company would. You definitely don't have to accept those services and you don't have to obligate yourself to their fees.

Have you come across instances when a fee was paid and the promises where kept and the loan was forgiven or a least brought to a manageable repayment status.

Answer: to be honest, I'm frankly not sure that they can do any more than you can do for yourself. So if you're really really strapped for cash I don't know that the best thing you can do is give more of it to a third party. Your very best bet is to try to work out an arrangement with the loan company yourself but if you really don't feel that you're equipped to negotiate on your own behalf, then I would consider such a company. But it's very very hard to know which ones are reputable.

I hope that answers your question. As much as I wish it was otherwise, sometimes I have to give information that isn't "good news." I hope you don't take it out on me! If it were up to me, I'd only give people good news! If you don't need any additional information, could you please take a moment to check the box stating that I answered your question so that I receive credit for working with you. It doesn't cost you anything extra and it allows me to get credit for helping you. Sometimes people aren't aware that experts don't get any credit for the time and effort that we spend on our answers unless you rate it positively (3 or more stars). I hope you found it worthy of 5 STARS! If you have follow up questions I'd be happy to answer them as well. You can still ask follow up questions after rating.

Ask Your Own Legal Question

Is there anything else I can answer for you?

Ask Your Own Legal Question

Hello. I wanted to check back in with you to make sure you had all the answers you needed.​ Is there anything else I can answer for you?

Olivia Kent
Olivia Kent, Attorney
Category: Legal
Satisfied Customers: 1,651
Experience: Partner at Kent Law Group, LLC
Verified
Olivia Kent and 87 other Legal Specialists are ready to help you
Ask your own question now
Ask Olivia Kent Your Own Question
Olivia Kent
Olivia Kent
Olivia Kent, Attorney
Category: Legal
Satisfied Customers: 1,651
1,651 Satisfied Customers
Experience: Partner at Kent Law Group, LLC

Olivia Kent 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

Not only did he answer my Michigan divorce question but was also able to help me out with it, too. I have since won my legal case on this matter and thank you so much for it.

LeeMichigan

< Previous | Next >

Meet the Experts:

Tina

Tina

Lawyer

8,775 satisfied customers

JD, BBA Over 25 years legal and business experience.

Ely

Ely

Counselor at Law

24,325 satisfied customers

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

INFOLAWYER

INFOLAWYER

Attorney

20,642 satisfied customers

Licensed attorney helping individuals and businesses

JPEsq

JPEsq

Attorney

2,132 satisfied customers

Experience as general attorney, in house counsel, SSDI, Family Law attorney, and law professor

Law Educator, Esq.

Law Educator, Esq.

Attorney

42,245 satisfied customers

JA Mentor -Attorney Labor/employment, corporate, sports law, admiralty/maritime and civil rights law

Ellen

Ellen

Lawyer, Consultant

8,238 satisfied customers

25 years of experience helping people like you.

Guillermo J. Senmartin, Esq.

Guillermo J. Senmartin, Esq.

Attorney

290 satisfied customers

7+ years of experience handling various legal matters.

< Previous | Next >

Related Legal Questions
If a loan document was signed in another state from an Iowa
If a loan document was signed in another state from an Iowa bank off site us a 3 Day right of rescission required by Law? … read more
INFOLAWYER
INFOLAWYER
Attorney
Doctoral Degree
20,642 satisfied customers
When the bank calls an employer, during a car loan
When the bank calls an employer, during a car loan application, what questions are they alowed to ask. … read more
Legal Eagle
Legal Eagle
Attorney
Doctoral Degree
6,325 satisfied customers
In the state of Minnesota, can a commercial loan be renewed
in the state of Minnesota, can a commercial loan be renewed after maturity using the same loan number, or does a new number have to be assigned? … read more
Ray
Ray
Lawyer
Doctoral Degree
30,487 satisfied customers
I loaned a friend money as an investment in a property he
I loaned a friend money as an investment in a property he was working on flipping. Part of the contract was I would get a lien on the property. However, he never filed the lien and has not been making… read more
Legal Eagle
Legal Eagle
Attorney
Doctoral Degree
6,325 satisfied customers
I have a loan with flagship credit and there charges on my
I have a loan with flagship credit and there charges on my account that I cannot get an explanation about, late charges that never get off my account, and I've been paying on this loan since 2015 and … read more
Bill Attorney
Bill Attorney
law
1,477 satisfied customers
I was approved for a loan from a India company which
I was approved for a loan from a India company which supposedly has a office in New Jersey. Shou … read more
LegalGems
LegalGems
Juris Doctorate
10,370 satisfied customers
Fathers credit app denied at bank for unsecured loan.
fathers credit app denied at bank for unsecured loan … read more
LegalKnowledge
LegalKnowledge
Juris Doctor
27,720 satisfied customers
If your husband secretly refinances a loan and forges your
if your husband secretly refinances a loan and forges your signature in the loan contract, are you obligated to pay this loan? … read more
Barrister
Barrister
Attorney/Landlord/Realtor
Doctoral Degree
34,879 satisfied customers
I loaned money to a friend. I first loaned him $3000 and he
I loaned money to a friend. I first loaned him $3000 and he paid me $100. He then asked for an additional loan of 2100 so the total loan was $5000. He has breached his agreement to pay me a minimum of… read more
Olivia Kent
Olivia Kent
Attorney
1,651 satisfied customers
We have made a personal loan to an individual and they used
we have made a personal loan to an individual and they used a vehicle as collateral and have defaulted on the terms of the loan. Do we need to do anything to notify them that we are selling the vehicl… read more
Legal Eagle
Legal Eagle
Attorney
Doctoral Degree
6,325 satisfied customers
Im confused as to how to deal with student loan issues. In
im confused as to how to deal with student loan issues. … read more
Olivia Kent
Olivia Kent
Attorney
1,651 satisfied customers
I have to default on my loans i have 5 position loans.
i have to default on my loans i have 5 position loans … read more
Law Educator, Esq.
Law Educator, Esq.
Attorney
Doctoral Degree
42,245 satisfied customers
This is complicated. I joined 2 sibling in a bank loan for a
This is complicated. I joined 2 sibling in a bank loan for a start up company. We all put up our incomes to guarantee the loan. I, however, also put up a building lot 1/4 acre along with my down payme… read more
Bill Attorney
Bill Attorney
law
1,477 satisfied customers
If you are a loan officer in the state of and the customer
If you are a loan officer in the state of Virginia and the customer gives you permission to sign the LE from a lock extension because they are at work and cannot get to a computer and it has to be sig… read more
Legal Eagle
Legal Eagle
Attorney
Doctoral Degree
6,325 satisfied customers
Loan repayment. Texas. NO it was a personal loan made there
NO it was a personal loan made there is evidence but nothing was signed … read more
RobertJDFL
RobertJDFL
Attorney
Juris Doctorate
5 satisfied customers
According to a payday loan i did not repay a loan, now some
according to a payday loan i did not repay a loan, now some collection agency are demanding 980.00 for a loan that was 300.00 where can I go and find if they have the right to do so, they said I have … read more
LawGuy
LawGuy
Juris Doctor
123 satisfied customers
Car loan sold to another loan company did i have to sign
Car loan sold to another loan company did i have to sign again as copayee? … read more
Law Educator, Esq.
Law Educator, Esq.
Attorney
Doctoral Degree
42,245 satisfied customers
I have an installment loan from American web loan and they
I have an installment loan from American web loan and they are charing me PERCENTAGE RATE The cost of your credit as a yearly rate. 591.01% … read more
Landon Lerner
Landon Lerner
Founder of San Diego Office
Doctoral Degree
12 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