topic Re: Ugly Student Loan Question in Student Loans

Ugly Student Loan Question

Anonymous — Tue, 24 Nov 2009 01:57:40 GMT

Is it ok for ECMC to tell me that a student loan that was discharged in a chapter 7 in 1995, is not and was not dischargable and now they want their money and all the interest that has accumulated since then? I have my chapter 7 creditors list and mailing list and they are on there more then once and they are noted as a company I owed money to. It says directly on the creditor list that it is for a student loan. US Dept of Ed, Sallie Mae, and NELA are all listed and received a notice from the court. They did not show up for the meeting of creditors and did not submit any paperwork to the courts disputing the discharge. My final discharge paperwork notes that no one disputed my claims and it was fully discharged. The bankruptcy judge was well aware of what was included in my paperwork and discharged it all. So..... can they come back 15 years later and tell me the judge did not discharge it even though I have it in black and white.

Re: Ugly Student Loan Question

Anonymous — Tue, 24 Nov 2009 09:22:08 GMT

Student loans can be discharged in a BK in certain cases. The two cases I could find pertaining to a student loan in 1995 are: if repaying the student loan would cause undue hardship or if you have been paying on the student loan for 7 years prior to filing the BK the student loan could be discharged.

I don't believe they should be able to do what they are trying to do, but I don't know a lot about it, just what I found above. Maybe someone else knows here, or I would talk to your BK attorney about it.

Re: Ugly Student Loan Question

Anonymous — Wed, 09 Dec 2009 20:44:14 GMT

Oops, never mind. Thought this was about loans available for ugly students.

Re: Ugly Student Loan Question

StartinOver — Thu, 10 Dec 2009 06:04:25 GMT

Lol, you never know, you might qualify, as beauty is in the eye of the beholder, they say...

Thanks for the laugh, I get too serious on this credit recovery venture!