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JoeLawyer, Attorney
Category: Bankruptcy Law
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Experience:  Attorney in the practice of Bankruptcy Law since 1996
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In 1997, I co-signed a ConSern loan through Wells-Fargo for ...

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In 1997, I co-signed a ConSern loan through Wells-Fargo for my son's education. I had a bankruptcy discharged in 1999 and I thought this private loan was discharged as well - it was listed on Schedule F on my case file. My son has never made a single payment and now I have received a summons from a lawyer representing CASA investments demanding payment. They are saying that this loan can not be discharged. Who's in the right? here?
Submitted: 6 years ago.
Category: Bankruptcy Law
Expert:  JoeLawyer replied 6 years ago.


Sorry to give you an answer that isn't an answer, but honestly who is in the right may require litigation to figure out. Simply listing a student loan on Schedule F of a discharged bankruptcy case does not normally discharge the student loan unless the student loan is of a nature which was dischargeable without an adversary proceeding.

1999 bankruptcy cases were under the old bankruptcy law, which was a little more lenient in what student loans were discharged than the new law which became effective October 17, 2005.

Generally, under the old law if a student loan was a private loan which was not government backed and which was not made by a public institution (basically) then it would often be discharged withot requiring an adversary proceeding. If it was a government or government-backed loan or made by a public institution, then the debtor usually had to file an adversary proceeding to try to get the loan discharged by showing that repayment of the loan caused an undue hardship on the debor or debtor's dependent, which was a pretty tough thing for the debtor to show normally. Unfortunalte,y even under the old law there was a pesky sentence at the end that was sort of vague and some student loan lenders said protected even private loans. I'm not sue case law supported this assertion, but that was the argument.

So, you may want to check the fine print of your loan agreement to see if it was government guaranteed, etc. I had a case very similar to this where an old student loan lender popped up after discharge and wanted paid. I said it was a private loan, and they said even though it was a private loan their position was that the broad language of even the old bankruptcy law still protected them. Facts were pretty uncertain, so we settled for half to keep both sides from having to spend attorneys fees to litigate it and potentially lose.

I'm not saying this resolution is appropriate for your situation, but you might want to talk to your bankruptcy attorney and see about getting it resolved. Your attorney may be able to reopen the bankruptcy case and file a motion for contempt against them if the loan was discharged, or your attorney may review the documents and tell you you'll lose and to pay it, or maybe you can settle for some amount in the middle that both parties are happy with.

I hope this helps and a positive feedback is always appreciated if this was useful to you.


LEGAL NOTICE: I am only licensed to practice law in certain state(s) and I cannot give legal advice to someone who does not reside in a state in which I am licensed, nor shall anything I say in the above answer or elsewhere on this site be deemed legal advice, even to someone who resides in a state in which I am licensed. Fees I receive for answering questions are paid for information, not for legal advice. This forum is designed to provide general information only, and information herein is not warranted to be correct or applicable in any way since laws may have been misinterpreted herein, since laws change from time to time, and since the impact of those laws on any particular situation varies. The information presented in this site shall not be construed to be formal legal advice nor the formation of an attorney-client relationship. Persons accessing this response are encouraged to seek independent legal counsel in their jurisdiction for guidance regarding their individual circumstances. Do not take any action or inaction based on information presented herein since it is informational and may not be accurate or applicable to you; it merely attempts to give you a basis of knowledge to help you formulate questions to ask a legal or other professional in a face-to-face meeting in your jurisdiction. Joseph Ross does not hold himself out to be a specialist or expert in any area, regardless of assertions made by any third party, and any implication of being an expert or specialist herein is made in error. I hope the information presented above is useful to you. Answer above is (c) Joseph Ross. All rights reserved.

JoeLawyer, Attorney
Category: Bankruptcy Law
Satisfied Customers: 767
Experience: Attorney in the practice of Bankruptcy Law since 1996
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