OK I filed a chapt 7 bankruptcy in 08 and it was discharged, my question is can I file a chapter 13 on a defaulted private student loan, I need some serious advise because Ive called lawyers and they have given me some strange advise, one said just fax my discharge papers to the collection company and I dont think that will work.
so can i put a defaulted private student loan in chapter 13 because I can not afford to be sued or garnished this will cause me to loose everything
By signing up a debt counseling session, your provided details (Name, Email ID and Phone No.) will be forwarded to the company advertising on the DebtCC. However, you have no obligation to use their services.
Some creditors and collection agencies refuse to lower the payoff amount, interest rate, and fees owed by the consumer.
Creditors/collection agencies can make collection calls and file lawsuits against the consumers represented by the debt relief companies.
Debt relief services may have a negative impact on the consumer's creditworthiness and his overall debt amount may increase due to the accumulation of extra fees.
The amount which the consumer saves with the use of debt relief services can be regarded as taxable income.