Chapter 7 discharged earlier this year. Attorney thinks I should file a chapter 13 now for the mortgage (2nd part was not discharged) & student loans (6 figures). After the Ch5 it seems as though parts of my loans were bought by these junk debt companies. One contacted me shortly after the 5 was closed and I right away signed up for their repayment program because I was told by them I had to pay the entire balance or face wage garnishment. I signed up, because I did not have the money to pay off the balance. Of course they added thousands of dollars to the initial amount and I am stuck. There is a second company now hounding me for another portion of the loans and I have been trying to negotiate fees with them. Now there is a third company who I received a letter from who is claiming they own a portion of the loans as well. All this time I am still paying Navient for the rest of the balance.
My question is if I file a chapter 13 how are those companies handled?
My question is if I file a chapter 13 how are those companies handled?
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