Van Ru personal student loans in default, garnishment, home lien, car repo threats... Largo Florida

I have an insurmountable amount of personal student loans that are in default or near so... I had a terrible accident that left my back in bad shape and was unable to finish school. I can only work to get by and pay the basics which does include payments to my student loans backed by the federal government.

I was in school for court reporting and live closed captioning. I borrowed extra money via a personal loan to buy a high tech stenography machine, lap top, and very expensive software, the loan was advertised on a info board at school for wachovia to borrow up to 40k/year extra outside of the stafford loans.

I tried to finish school asap, so i could pay off the loans, but the accident left me out of work/school for several months, and I have so much back pain i cant sit still, which is what court reporting and captioning is all about. It is easier for me to wait tables and keep stretched out believe it or not. i have pt and chiro visits 3times a week and its two years later, but it helps me keep the weight off and stay stretched out so i can work to get by...

Anyway, van ru out of largo, florida, has threatened me in everyway. a debt consolidator told me to ignore them as i was going thru them at one time, but couldnt afford their payments either. the lady was nice there though(debt consolidator) and told me they cant take my car, its a paid off hyundai 8 years old and worth little, or garnish my wages, or lien on my trailer home, which is a double wide on rented land in a mobile home park, which i am upside down on its value, she said in the state of florida they cant do these things they are threatening and said it is one of the few states they cant do these threats on personal loans. They started through wachovia called educaid select loans, and have been sold and tossed around to many collectors ending at van ru here in florida.

I understand the goverment backed stafford loans they can do these things, but i am able to pay them. I cant afford the personal loans and was just curious does anyone know these statements about florida? I have also used all deferrments for the personal loans...I am full-time server at a major theme park company, have major back problems and need surgery, I have the protection of family medical leave act, because i have to call off work atleast six days per month due to severe pain from my job. i work four/13 hour double shifts in a very busy restaurant and it kills me.

Surgery is on its second opinion, two years in a row (i keep putting it off because i cant afford to be out of work for 6 months)and both state it will be about 70% successful. Im afraid it could worsen my condition and i would be out of a decent job with full benefits... HELP!!!

Shaka
kissimmee, Florida
U.S.A.