Compromise of Arrears Program (COAP) in California
Anybody have experience with the Compromise of Arrears Program in
California? http://www.childsup.ca.gov/ChildSupp...3/Default.aspx There are additional links on the page. For example: I am 55 years old, "owe" more than $50,000 in arrears. I have a court order from December 2007 to pay $100 a month toward arrears in a wage garnishment. I now have physical custody since August 2007 of three minor children - 17, 15, 13 - in PA. The original case where the support was filed is California in late 1997. I am looking for a way to clear the credit reports so I can get the 17 year old to college. Most of the loans I apply for are being turned down because of this. Just looking for opinions or experience, personal or professional. TNK |
Compromise of Arrears Program (COAP) in California
"TNK" wrote in Just looking for opinions or experience, personal or professional. Justa thought, can your child not apply for student loans as your income isn't high enough with the debt load? |
Compromise of Arrears Program (COAP) in California
"DB" wrote in message ... "TNK" wrote in Just looking for opinions or experience, personal or professional. Justa thought, can your child not apply for student loans as your income isn't high enough with the debt load? Tried that also. Although she is working part time, is an honor roll student, and takes all the Advanced classes in Physics, Chemistry and Calculus, the bank still shy away because she is under 18 and a short employment history. Even when I was going to co-sign the loan application. I have no assets, only debt. I was the NCP for 12 years. Getting a student loan is almost as difficult as a mortgage, it seems. |
Compromise of Arrears Program (COAP) in California
"TNK" wrote in message . .. "DB" wrote in message ... "TNK" wrote in Just looking for opinions or experience, personal or professional. Justa thought, can your child not apply for student loans as your income isn't high enough with the debt load? Tried that also. Although she is working part time, is an honor roll student, and takes all the Advanced classes in Physics, Chemistry and Calculus, the bank still shy away because she is under 18 and a short employment history. Even when I was going to co-sign the loan application. I have no assets, only debt. I was the NCP for 12 years. Getting a student loan is almost as difficult as a mortgage, it seems. Go to the U.S. Department of Education website and look at the information on FAFSA. She should easily qualify for a government subsidized student loan which she doesn't have to pay towards until after graduation and you can get a low interest Parent Loan to cover what she can't borrow. CS paid is considered a reduction from income and CS received is an addition to income. |
Compromise of Arrears Program (COAP) in California
"Bob Whiteside" wrote in message ... "TNK" wrote in message . .. "DB" wrote in message ... "TNK" wrote in Just looking for opinions or experience, personal or professional. Justa thought, can your child not apply for student loans as your income isn't high enough with the debt load? Tried that also. Although she is working part time, is an honor roll student, and takes all the Advanced classes in Physics, Chemistry and Calculus, the bank still shy away because she is under 18 and a short employment history. Even when I was going to co-sign the loan application. I have no assets, only debt. I was the NCP for 12 years. Getting a student loan is almost as difficult as a mortgage, it seems. Go to the U.S. Department of Education website and look at the information on FAFSA. She should easily qualify for a government subsidized student loan which she doesn't have to pay towards until after graduation and you can get a low interest Parent Loan to cover what she can't borrow. CS paid is considered a reduction from income and CS received is an addition to income. I did the FAFSA thing too. I was hoping the COAP would be the answer, as long as I could come up with an agreed lump sum amount . I am still fighting to get the NCP off my name, as I am clearly the CP at this time, and have been since August 2007. I call the DCSS and tell them by the definition of their own forms I am the custodial parent, yet alone the court order stating so also. My credit report was stating I owe almost $2,000 a month in ongoing support, when I have a court order stating different. I know this takes time, but it is ridiculous even when you have the facts. TNK |
Compromise of Arrears Program (COAP) in California
"TNK" wrote in message . .. "Bob Whiteside" wrote in message ... "TNK" wrote in message . .. "DB" wrote in message ... "TNK" wrote in Just looking for opinions or experience, personal or professional. Justa thought, can your child not apply for student loans as your income isn't high enough with the debt load? Tried that also. Although she is working part time, is an honor roll student, and takes all the Advanced classes in Physics, Chemistry and Calculus, the bank still shy away because she is under 18 and a short employment history. Even when I was going to co-sign the loan application. I have no assets, only debt. I was the NCP for 12 years. Getting a student loan is almost as difficult as a mortgage, it seems. Go to the U.S. Department of Education website and look at the information on FAFSA. She should easily qualify for a government subsidized student loan which she doesn't have to pay towards until after graduation and you can get a low interest Parent Loan to cover what she can't borrow. CS paid is considered a reduction from income and CS received is an addition to income. I did the FAFSA thing too. I was hoping the COAP would be the answer, as long as I could come up with an agreed lump sum amount . I am still fighting to get the NCP off my name, as I am clearly the CP at this time, and have been since August 2007. I call the DCSS and tell them by the definition of their own forms I am the custodial parent, yet alone the court order stating so also. My credit report was stating I owe almost $2,000 a month in ongoing support, when I have a court order stating different. I know this takes time, but it is ridiculous even when you have the facts. Why don't you discuss your case with this person who is identified easily in a Google search: The contact is Laura Choate, DCSS, COAP Unit Manager, at 916-464-5881. No one here can help you. Only Ms. Choate can help determine if you meet the specific criteria for COAP. |
i don't have any experience
but what program about it is? |
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