I had my Chapter 13 100% discharged 10/8/2023 (hooray) and have been quietly trying to rebuild my credit with 3 credit cards and a financed used car. I recently received a collections letter dated Nov 8th from Transworld Systems for National Collegiate Student Loan Trust but has Bank of America as the original creditor. It states as of Dec 1, 2010 I owe 24,409.81 plus 3,893.66 interest minus 3,643.07 (previous payments?). My original Bankruptcy attorney is MIA (long story) and I have been in bankruptcy since 2010 through 3 filings (longer story) minus a few months between one being thrown out and filing again.
I happen to find the original Bank of American Education Maximizer Loan Request/Credit Agreement Instructions and it was a private loan I applied for in 7/2004 for 15K from Bank of America. I graduated in 2008 but can't recall if I was in repayment or forbearance. My federal student loans I was current on until filing for BK in 2010 where they all went into forbearance automatically (just started repaying).
How should I handle this matter? Is it possible that this is beyond collection because of statue of limitation (definitely haven't paid it since 2010) or because it was a school related loan is it exempted? Should I ask the collector for verification or should I dispute and on what grounds. Or if liable (worst case) should I make a payment arrangement with collections or try to get the original creditor to accept my terms?
I happen to find the original Bank of American Education Maximizer Loan Request/Credit Agreement Instructions and it was a private loan I applied for in 7/2004 for 15K from Bank of America. I graduated in 2008 but can't recall if I was in repayment or forbearance. My federal student loans I was current on until filing for BK in 2010 where they all went into forbearance automatically (just started repaying).
How should I handle this matter? Is it possible that this is beyond collection because of statue of limitation (definitely haven't paid it since 2010) or because it was a school related loan is it exempted? Should I ask the collector for verification or should I dispute and on what grounds. Or if liable (worst case) should I make a payment arrangement with collections or try to get the original creditor to accept my terms?
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