Return crmm

did you file AG complaints yet?if not do so.it doesn't matter what they think,believe,or how much they claim you owe.you only owe the principle,and your AG can help you with this.

Does it matter if I defaulted in September

no.illegal is illegal no matter how you word it.you only owe the principle borrowed.nothing more.subtract anything debited in fees as those are illegal as well from the principle.

I agree with Paul Mergel, file that complaint with the AG and also with your State financial regulatory agency. Hopefully you still have the envelopes which were returned marked "return to sender?" Send copies of the envelopes and letters to the AG and financial reg. people, showing that you HAVE tried to contact the PDLs. For your own information, you might want to keep a record of any e-mails or calls you get from the PDL.

pachacutec, that is a really good point, i have a few return to senders lying around in my file.

I learned from personal experience; I'd sent a payment on a bill (not PDL) and for whatever reason, the Post Office sent it back as "undeliverable." As I had the envelope which showed the postmark when I mailed it and showed that it HAD been sent back, I wasn't charged any penalties or late fees. Maybe I'm a bit TOO careful by saving things like that, but I'd rather be over-cautious, especially when dealing with PDLs.