New York State
This is my first post on this site, and am looking for some legal advice regarding a quite screwy situation I have just found myself in.
A some background information, I was a student at the Rochester Institute of Technology for ~6 years, and did not graduate. Throughout my time there I had taken out many student loans to pay for tuition. Each year I would take out both Federal and Private loans. Due to my lack of any / poor credit, every loan I applied for required a Co-Signer. My father offered and agreed to co-signed every loan application that I needed, in order to fund my education. This was for a number of loans, I'd say at least 6 (possibly more) throughout my entire time at RIT, totaling in tens of thousands of dollars.
Fast forward to today, and it's been a year since I've been a fully matriculated student. I haven't made a single payment on any of my loans, and am unemployed. To be honest I haven't even spoken with any of the lender reps that call constantly. I also have received plenty of letters, most of which are just being piled up on my dresser.
On top of these extreme financial problems that I am having, today I learned something that simply blew my mind.
My Father (the Co-Signer of ALL of my student loans) hands me a letter that was addressed to him from Citi and tells me to read it. The first line states " You recently conveyed your concern that a possible forgery may have taken place on an account with Citibank."
Upon asking my father what in the world this is about, he tells me that he is "sick of all of the phone calls" and that he is not going to pay for my loans, and if I don't, that I'm going to jail. When I asked how I am going to be sent to jail because of this, he says that because he's going to tell the banks that I forged every single loan application, and fraudulently added him as a cosigner.
I tried to explain to him there are records of his signatures, and probably even vocal agreements recorded and stored somewhere for every time he co-signed one of the MANY applications over the last 6 years.
My father is trying to escape any and all responsibility by starting to tell lenders that I fraudulently added him as a co-signer on my student loan applications. My mind is still blown that he would do such a thing, but I come here to you all for advice on what in the world I should do, and where to even begin to try taking care of this ridiculous situation.
If I have posted this in the wrong subforum I apologize, this has been my first post. If you have any questions please feel free to ask. I welcome any and all comments regarding this ridiculous matter. Thank you very much for taking your time to read this.