Hi and thank you for your question. In the future, you can request me to answer any further questions.
If the student loan was in repayment, and not deferred for the 7 years before the bankruptcy case, then the student loan would be discharged in your case in 1996
law changed in 98 and again in 2005 making it harder to discharge.
Show the company a copy of the discharge.
if your debt was discharged, you can sue them for violating the discharge notice and can ask for damages.
I was not making payments at the time
just that it was in repayment, and not in forebearance or deferred in that 7 year window
they are trying to force me into an agrrement of payment by saying they are going to attach wages
if the loan was not discharged, that is available to them.
Send them the discharge.
if that doesn't stop them, have your bankruptcy attorney call them
if that doesn't work, file suit
I do not have a copy of the bankruptcy. I called fed archives this am. they are sending me the request forms, but the company is telling me thay cannot wait
call your lawyer to see if they have a copy
i do not even know what his name was. that was 15 yrs ago. I live in a different state now
I have the case # XXXXX feds gave me this am
Then give that to the collection company for now. not much else you can do at this point
they are trying to force a payment to hold off. should i do this
If you believe the debt met the discharge requirements, then you should not
request verification of the debt
I know this was taken care of because we had a converstion about this specifically
They told me to call the dept of education
they told me you cannot discharge student loans
the loan was from 86'
r u still there?
the laws have changed since 1996, making it nearly impossible to discharge now. Back then, if they were in repayment status, and not deferred or in forebearance in the 7 years before bankruptcy, then they would be discharged.
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