03-01-2017 02:06 PM
Even though most of my SL are with Navient, not all are showing in BR. I think 2 are turned over to collections. Not sure which are not showing BR, but I remember 2 don't.
WIll that hurt me after BR if they don't fix it?
03-01-2017 03:59 PM
Can you elaborate. Did your lawyer say that your student loans would be included in your bankruptcy? Usually you have to have extreme extenuating circumstances for the courts to allow you to include your student loans in bankruptcy.
03-17-2017 01:20 PM
I am losing my memory and can't remember words, please forgive.
On a credit report you see all student loans listed. I can't remember exactly how many I have, let's say 9. Two of them are listed as ??? which means they are turned over to collection, which is also on my credit report.
When you file bankruptcy ever line is marked ??? (IB???) which means they recognize it is in bankruptcy. When they have NOT put this designation on your credit report, should I care? How will it affect me?
03-17-2017 01:26 PM
In another week or so I can get my credit report to have the exact words you need, but I am hoping you can guess what I mean in the mean time. I am NOT talking anything at all about filing and adversary proceeding, I think it is called. Though, if I were I could probably win it because I do qualify and fully understand a lot about this issue. But, it has nothing to do with this conversation. I am only asking a simple question that everyone in BR faces, no matter what the creditor. It is heart breaking to be losing memory and words I need for conversation. I can describe things, but not find simple words.
03-17-2017 09:11 PM
IIB means that debt was included in your bankrutpcy, which if it's a Chapter 7, and was discharged, means you are no longer responsible for that debt. In most cases, your student loans will not be included in your bankruptcy so will continue to report on your credit reports just as they had prior to you filing. If you have negative marks on your credit report due to non-payment of federal student loans, I recommend going through the loan rehabilitation program to get the collection statuses removed from your credit report, and start a positive payment history with your federal student loans.
03-21-2017 08:44 PM - edited 03-21-2017 08:45 PM
@startinover I just wanted you to know that I hear your frustration and I am really sorry that you are having to struggle with memory loss. My heart goes out to you. I can only imagine how hard to adjust to that would be. Take care.