I'm a co-signer of my daughter's loan, got a letter from CA that it went into default. I called them and they were being impossible with the payment plans which I can't handle. I decided to call the Creditor and paid the default amount and starting to make regular monthly payment that required, but I still getting calls from CA. Can I use the Cease and Desist letter on CA and tell them i'm making payments to the Creditor.