Legal Question in Credit and Debt Law in Virginia

student harressed to pay university

I am currently a rising student a state university. A private univerity where I still have a balance has turned it over to collections and I'm now being harassed to make payment arrangements to pay now, while I'm a full time student with no real income. My Mother called the collection agency and made a tentative arrangement to pay $100 a month (she hadn't discussed it with me and now she is in no position to pay) The agency sent me a statement that $100 is due. Can they put this on my credit record? In addition, the private university has also sent a agreement for me to sign for another loan amount that can be deferred until after I graduate. Please guide me in this matter.


Asked on 7/29/05, 4:10 pm

1 Answer from Attorneys
Jonathon Moseley Jonathon A. Moseley

Re: student harressed to pay university

Thanks to our wonderful Congress, any creditor

can report any "debt" on your credit report,

real or imagined, true or untrue, any time they

want. So none of this matters in terms of

whether they can put it on your credit report.

They can do that regardless.

However, a collection agency cannot do anything

to actually collect, except to harass you. I

don't care what they say, they can do nothing

to actually get the money from you, except

turn it over to an attorney.

An attorney can bring a lawsuit, and get a

judgment. But that still does not require you

to actually pay. At that point, the attorney

would have to try to garnish your wages or

take money out of your bank account. But as

a student, you will probably not have much of

anything they can collect against. So realistically speaking they can probalby not

collect until you graduate and get a serious

job.

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Answered on 7/29/05, 10:27 pm


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