My husband and I are filing for Ch. 7 in early December and I am currently gathering together my debt list. In 2005, while in a bipolar manic state, I registered for classes online with the University of Cincinnati to the tune of $2400. A month later, when more lucid and on medications, I explained what had happened to my doctor, and he wrote me a note, which I sent to the University of Cincinnati along with a letter explaining my bipolar situation and disaffirming the debt. SEVEN years later, I get a letter from the Ohio Attorney General special counsel that, because I registered and failed to drop my classes at a state-run university, I was liable for $4800.00 (fees and interest over seven years). There is no way I can pay this debt, obviously. Can I include it in the bankruptcy?
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Let's clarify a few things.
1. Is is that you registered, and simply didn't pay the fee?
2. Did you register, take a loan from the state, but un-enrolled after the deadline for a refund?
If 1, dischargeable.
If 2, non-dischargeable.
The fact that the debt is to the state or to the AG's office is not the issue. The issue is whether this debt arose out of a student loan or is simply unpaid tuition and fees.
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