Hello all,
Any information or help would be much appreciated in this situation.

My husband filed for Chapter 13 five years ago and was recently discharged in the last 2 months. We received a letter stating that unsecured debt would now be reactivated. My husband has a school loan that we knew that we were going to have to pay back and were under the impression that monthly payments would start back up again and have every intention of making those payments. This week we received a letter from a collection agency instead of from the original loan company. We had not received a single phone call, letter, or any other form of communication from the loan company since the discharge. Now this collection agency is demanding we pay the remainder of the loan (around $36,000) plus over $6,000 in "collection costs" and will not allow us to pay monthly. Can we contact the original loan company and explain that we never received any communication from them and that we would like to go through them and not the collection agency? We have every intention of paying, we just can't pay all of that money at once.

Thanks for reading my post.

Check the Statute of limitation in your state for the loan. Send a letter to the collection agency to verify the debt.


See this post:

https://www.askmehelpdesk.com/bankru...ask-29036.html