Creditors calling after discharge
I am just wondering if anyone else has had this happen and what to do. Our last day for objections was August 8, we were discharged August 10, and our case was closed today. Just when I thought we could breathe easier, Wells Fargo called and left a message today to discuss my student loan. This loan was a private loan through a bank and the account has been sold to different banks 2 or 3 times. Shortly after we filed, the account (which is listed as an unsecured loan) showed it's status as discharged through BK on my credit report. I am just worried that they are going to be harassing us to pay them back now. How do you know if your student loan is federally guaranteed? I didn't think mine was. I actually got the loan through the NRA to begin with. Has anyone else had creditors calling them after their case was closed? Any help would be appreciated.
-
-
I'm really surprised by this. If your loan isn't federally guaranteed it should be dischargeable. I am in the same boat with WF except that when I filed, their own legal department told me that they could not collect and that chapter 7 would prohibit them from collecting since this is a private loan. Unless I am misunderstanding something about your particular situation I can't see how they can collect.
Please keep us posted.
Comment