Hello, I have tried reading up on similar situations with private student loans to understand mine but I still need some guidance.
My Bk 13 was discharged a year ago. Under the plan I had a federal student loan (not included) and a private student loan with AES/Key Bank (which I thought was included but was not). I now realize I should have been more proactive in making sure I understood my chap 13 plan but I wasn’t, during the plan I was just making sure I was paying my payments ($850 each month paying 100% back). I didn’t check credit report etc, I REGRET this part now, yet at this point I want to do things right.
Right after discharge I was contacted by KeyBank collection dept stating the loan was in default since 2015 when I filed my BK13 and they were looking for payment. Loan total amt was $736 (Sept 2019), we set up payment arrangement for late Sept-Feb automatic withdrawal $75 each mont. March COVID hit and work situation, like for many, got flipped upside down. I was lucky to have a job...just completely different than what I was used to-working from home with my son full time and I got sick end of March. In April I got a letter from CA National Enterprise Systems asking for balance, at that point I was confused bc I thought I was working with Keybank. From then to now...life got a a lil more crazy (surgery/family sick also with Covid) and here I am now.
So...I guess what I want to know is, at this point do I just call CA and pay the amount due and that will be it? Can I even ask them to PFD? What makes this more confusing for me is that on report it shows IIB with EQ/TU but on Exp it shows “claimed file...” (see pic) What does this even mean-claimed file with govt on a private loan? I don’t want them to file judgment or whatever else they can do for a smaller amount I can pay off.
