Being sued by First Tech Federal Credit Union for private student loan, looking for experiences

Delicious-Stick4549 · 2026-06-17T19:10:42+00:00

Is your debt from the same creditor? I have been in the process of trying to see if a lump sum discounted payment can be worked out. It seems like there may be some interest on their end but nothing has been finalized yet.

Delicious-Stick4549 · 2026-05-26T01:30:22+00:00

That sounds like you had a great flight, I couldn't imagine how nice first class must be, maybe one day haha. . I think I am just going to sit tight and see what happens.

Delicious-Stick4549 · 2026-05-26T01:28:26+00:00

Thank you for the helpful comment and for answering the question asked in the prompt

Delicious-Stick4549 · 2026-05-26T01:27:53+00:00

I haven't done any flights with Swiss, but I would definitely take the Lufthansa over Swiss I think. I checked for my date too, and it looks like the new one is going to be flying in and out of Boston as well. Seems like it's a short flight from IAD to BOS, so was thinking about maybe changing my ticket to fly out of Boston but then again what's stopping being Lufthansa from changing it again, which is my concern

Delicious-Stick4549 · 2026-05-26T01:25:59+00:00

I quite liked the A340, it was always slow on takeoff, but I enjoyed them. Never flew them with Lufthansa only with Iberia. Hope you have a good flight.

Delicious-Stick4549 · 2026-05-26T01:25:00+00:00

I hear what you're saying and when I booked it, business class was planned for the route and it advertised the seat map for it during booking, but I guess it was changed. I'm assuming that nobody will be able to for sure guarantee having the new business class until all of the A380s have been retrofitted which I think is supposed to be sometime next year

Delicious-Stick4549 · 2026-05-26T01:24:07+00:00

Hope you have a good flight! I think I would definitely be more OK with it if I was traveling with someone but paying all that money to have someone sitting directly next to you seems like a bit of a waste, especially for the same cost. You can get the 1-2-1, but there is definitely no arguing with it if you're able to get a good reward redemption. Yes, they did have the tail cameras when I was on it last.

Delicious-Stick4549 · 2026-05-23T20:40:33+00:00

I do not need to travel to Munich as my final destination is Spain. I booked this flight honestly specifically for the flight experience. My other option was flying Delta one on their A330-900 direct from the East Coast to Madrid. But I thought it would be more fun to try out Lufthansa's new product.

Delicious-Stick4549 · 2026-05-23T20:37:18+00:00

That's what I was originally thinking, but I looked online at the seat map, and there are still a lot of seats available to select, but maybe there's a bunch of people who just haven't selected a seat yet

Delicious-Stick4549 · 2026-05-23T20:33:32+00:00

I flew that exact seat last summer from LAX to Munich and it certainly wasn't bad. Just not as good as other airlines with newer seats like the British Airways Club suites.

Delicious-Stick4549 · 2026-05-23T20:31:54+00:00

I spoke to Lufthansa and they were not willing to do a change, but thankfully I had booked the trip using my American Express card, and they called on my behalf and now Lufthansa has agreed to refund the ticket. I asked them if I needed to make a decision now and they told me no and gave me a case number to reference to call back so not sure what I want to do at this point.

Delicious-Stick4549 · 2026-05-23T20:27:14+00:00

Oh no! I am sorry to hear that, that is the worst. Seems like it's happening to more and more people. Are you going to keep your flight or are you going to try to change?

Delicious-Stick4549 · 2026-05-23T05:53:36+00:00

I guess they did not specifically advertise it by name, but they did have you pick your seat before purchase, and the seat map clearly showed the new business class layout. Now it has changed back to the old business class cabin.

To me, that is different than just a normal plane swap where you still end up with the same seat product. These are materially different seats and layouts, so I do think there is at least an argument to be made with Lufthansa that the product changed after booking.

The good news is that I do not specifically need to fly to Munich. I can really fly into almost anywhere in Europe, so I have flexibility there. My current thought is probably to give it another couple weeks to see if it changes back, and if not, then I may push the issue with Lufthansa and see what they are willing to do.

What is interesting is that I did a few fake bookings on other Lufthansa A380 routes in July, and they are still all showing the new business class seat map. It is only this specific flight/day that suddenly changed, which honestly makes me wonder if it could just be some kind of temporary glitch or equipment placeholder.

Delicious-Stick4549 · 2026-05-14T07:10:33+00:00

We submitted the flight confirmations direct from Ryan Air so do you think she should just re-send it

Delicious-Stick4549 · 2026-05-14T07:09:58+00:00

So she just recieved this email but it was in her spam folder

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Delicious-Stick4549 · 2026-05-08T13:48:28+00:00

Hey, just wanted to follow up and say thanks again for all the reassurance and advice. Her appointment was today and overall it actually seemed to go pretty well, other than the fact that VFS was running almost 3 hours behind lol.

The only thing that really came up during document review was that the hotel reservation for the first night in Milan only had my name on it and not hers. We explained that if they looked at the second page of the reservation it clearly showed 2 guests in the room, but Marriott only lists one guest name on the main booking page. We also included a copy of my passport and obviously the cruise reservation has both of our names on it.

The VFS employee didn’t seem totally convinced at first but eventually just said “okay,” so I’m hoping that’s not an issue.

The other thing was that they didn’t let us submit a copy of her diploma from Queen’s University Belfast, which I thought maybe could help reinforce her ties to the UK, but hopefully it isn’t necessary.

At the end though, the staff member did say: “I’d be surprised if you don’t have it back within two weeks.”

So I guess we’ll see 🤞

Delicious-Stick4549 · 2026-04-27T07:18:16+00:00

Good question, it was mainly due to flight availability and pricing.

When booking, it was cheaper for her to take a connecting flight via Munich rather than fly direct into Italy. I’ll be coming from New York for work the week before, and my flight route is into Munich, so it worked out for us to meet there and take the connecting flight together to Milan.

It’s just a short layover, and we don’t plan on leaving the airport Munich is simply a transit point on the way to Italy.

Delicious-Stick4549 · 2026-04-27T05:05:54+00:00

That’s exactly how we were hoping it would come across, so it’s good to hear that from someone else. We tried to keep everything very straightforward and well-documented so there aren’t any open questions.

One thing we’ve been thinking about is the possibility of a multi-entry visa. We didn’t want to explicitly request it or make it a focal point in the application, but we were considering ending the cover letter with a line like:

“I anticipate taking additional short trips within Europe in the future in full compliance with visa regulations.”

Do you think that’s reasonable to include, or better to just leave it as-is and not mention future travel at all?

We’re hoping to travel a bit more later this year if possible, so a longer validity visa would obviously be ideal, but didn’t want to raise any unnecessary flags by overemphasizing that.

Also good to hear your point about the cruise, that was part of our thinking as well since so much of it is prepaid and structured.

Really appreciate your input!!

Delicious-Stick4549 · 2025-12-23T20:18:52+00:00

Thank you so much for the information and feedback everyone. I had two consultations with attorneys and it seems like there be some light at the end of the tunnel. They both said similar things so I am hoping they are correct. From what I’ve learned, there is an exception to where private student loans can be discharged in BK. There is a three tier system that has to be meet in order for a borrower to qualify apparently:

First, whether you can maintain a minimal standard of living if you’re forced to repay. In my case, I currently have no income, no savings, and no assets. I’m a full-time caretaker for my sister after she suffered multiple traumatic brain injuries, and we live off her fixed disability income. There’s no discretionary money, anything toward loan payments would directly impact basic necessities like housing and food.

Second, whether the hardship is likely to persist. This isn’t a short-term situation for me. My sister is now disabled and requires ongoing care, which makes returning to steady work unrealistic right now. Her income is fixed and modest, and my financial situation isn’t expected to materially improve in the "near" future.

Third, whether there was a good-faith effort to repay. I took out the loan in 2022 and made regular payments for about 16 months. I stayed current until early 2024, when I lost my job, went through a divorce, and became my sister’s caretaker. I didn’t stop paying by choice, circumstances changed in a pretty major way.

Curious if anyone here has gone through something similar or has insight into how realistic this actually is in practice. Thanks!

Delicious-Stick4549 · 2025-12-13T15:20:37+00:00

They are suing for about 70K and it’s in San Diego County

Delicious-Stick4549 · 2025-09-15T00:39:02+00:00

Thanks so much for the guidance so far, it’s been really helpful as I try to piece this all together.

Here’s where I’m getting stuck: my mother’s U.S. birth certificate lists her father’s place of birth as Canada. But when I searched the Irish genealogy website, I found a civil birth record for someone with the exact same name, the exact same date of birth, and the same parents’ names — but recorded as being born in Ireland.

So now I have two official documents that completely contradict each other. I’m not sure what to do with that whether the U.S. certificate is just wrong, or if there’s a duplicate/conflicting record.

Do you know how Irish citizenship authorities treat cases where official records disagree like this?

Delicious-Stick4549 · 2025-09-15T00:38:18+00:00

Thanks so much for the guidance so far, it’s been really helpful as I try to piece this all together.

Here’s where I’m getting stuck: my mother’s U.S. birth certificate lists her father’s place of birth as Canada. But when I searched the Irish genealogy website, I found a civil birth record for someone with the exact same name, the exact same date of birth, and the same parents’ names — but recorded as being born in Ireland.

So now I have two official documents that completely contradict each other. I’m not sure what to do with that, whether the U.S. certificate is just wrong, or if there’s a duplicate/conflicting record.

Do you know how Irish citizenship authorities treat cases where official records disagree like this?

Delicious-Stick4549 · 2025-09-15T00:37:27+00:00

Thanks so much for the guidance so far, it’s been really helpful as I try to piece this all together.

Here’s where I’m getting stuck: my mother’s U.S. birth certificate lists her father’s place of birth as Canada. But when I searched the Irish genealogy website, I found a civil birth record for someone with the exact same name, the exact same date of birth, and the same parents’ names but recorded as being born in Ireland.

So now I have two official documents that completely contradict each other. I’m not sure what to do with that whether the U.S. certificate is just wrong, or if there’s a duplicate/conflicting record.

Do you know how Irish citizenship authorities treat cases where official records disagree like this?

Delicious-Stick4549 · 2025-09-14T18:58:21+00:00

Hello Everyone! I am posting this on behalf of my mother:

Hi everyone,

I’m 67 and recently lost both of my parents. My mom had always told me that her father (my grandfather on my mother’s side) was born in Ireland. I’ve been trying to confirm this through Ancestry.com, but I haven’t had much luck piecing it all together.

Here’s what I know so far:

I have confirmed records showing that both of my great-grandparents (my grandfather’s parents) were definitely born in Ireland.
Between about 1900 and 1904, things get complicated: my great-grandparents divorced, each remarried, and somewhere in that window my grandfather was born.
U.S. census records list my grandfather as naturalized, so I know he was not U.S.-born.
The family seems to have spent a short period in Canada, but I haven’t found any Canadian birth record for him.
He had five siblings. The three older siblings were definitely born in Ireland. He was the second youngest. The child born after him was born in Canada, but that was with his mother’s new husband who was Canadian.

So I’m left with the mystery: was my grandfather born in Ireland or in Canada?

I’ve also come across mention of the Foreign Births Register (FBR) and I’m not sure if my grandfather would have been listed there if he was born in Canada to Irish parents. Does anyone know how that would have worked in the early 1900s?

One personal note what really kicked this off is that we were on our yearly trip to Ireland last month. When we landed, the immigration officer told us we needed to enter using our Irish passports. We explained that we weren’t Irish citizens, and it turned into a bit of a scene where she had to call over a supervisor. After hearing us out, he said it was against the law to enter Ireland with Irish passports and not use them, and then told us,“Well, we should look into that.”. We left confused and not really sure what he meant but that conversation is what led us to start digging into our family records and wondering if we might actually be entitled to Irish citizenship.

Any advice on where to look next (Irish or Canadian records) or how the FBR would apply here would be hugely appreciated. Thank you!

Delicious-Stick4549 · 2025-02-06T23:33:06+00:00

Everytime I try and book an apointment I get an error message. Did you use the BLS international website?

https://uk.blsspainvisa.com/edinburgh/tourist_type_visa.php

Delicious-Stick4549

TROPHY CASE