I just found out through a credit check that i owe National Collegiate Trust, and they have assigned the loan to a CA. As i explained to the NCT CA associate that i never received any letters or phone calls about this, he verifies the mailing address to me and the apt number was completely off. Which explains why i never recieved a letter. Should i fight this, and if so, how so? They offered me to pay th einterest either in full or monthly payments, i can do either but i feel that it isn;t right since i never received anything from them. And how can i take the loan out of the CA?