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Bankruptcy and Debt 2 views 3 answers
I consolidated 4-5 student loans into two separate student loans with two separate cosigners by completing separate applications. He was made the consigner of both loans by the loan company without our knowledge. It has shown up on his credit report, causing him to be denied a loan. Can he come after me? Is one or both of my contracts void? Do I have any legal recourse in this matter? How do I straighten this out?

Attorney Answers

3
Waymon Harrell ·
Who is the "he" that you describe in your post? Your Dad? Your boyfriend? Or is it your husband? No one is liable on any loan unless they sign the document. If a co-signer's name does not appear on a loan application, and does not appear on the loan itself, then the person in question should have no liability on the loans. Take your loan documents to an attorney, and have them reviewed. You should also take the loan applications to counsel for review as well. You need to get to the bottom of this mystery.
0 upvotes
Dorothy Bunce ·
Lawyers hate to guess about facts & when gaps in facts are missing, our minds go off in a bad direction. If someone cosigned a loan for you, they are legally responsible for the loan. Only a contract between the two of you or a court order obligating you to reimburse, like a divorce decree, would give did to the legal obligation to reimburse. Hope this perspective helps.
0 upvotes
William Popovich ·
Read the contract he signed. Somewhere in it may state that this obligates him as a cosigner on all student loans from that source. Or it may not. This is a question that is not possible to answer from the facts you give (more accurately, don't give). Is "he" the person who the loan was for? Or a cosigner? It is possible that when you cosign you do not take away HIS obligation (if he is the student), just add your names to the loans.
0 upvotes

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