K_A_S

Wouldn't you be eligible for deferment or forebearance while in residency? Have you asked the lender? At the very least they should be able to do an IBR or ICR payment plan. The IBR will now take both spouses loans into consideration.

No. Never. Why doesn't it sound like a private loan to you? I just don't want the SOL to reset if we do something, even if it is just factfinding with this CA. SOL for our state is 3 years and wages cannot be garnished at all. It's been two years since there was any activity on the account.

Thank you for the feedback. It is most useful. I guess the reason I feel it is deceptive is that they have never identified themselves or why they are calling him. The only way we have any clue who they are is from doing reverse phone number lookup. The reason it really threw us for a loop is that this CA is ironically located in SC in the town we live in so it took some research to even understand that it was connected to a loan through a school in FL. Thanks again.

A little more info from AES: Loan Program: WACHOVIA ACCESS Owner: WELLS FARGO BANK, NA Guarantor: WACHOVIA/WEL Subsidy: NON SUB

My DH has a defaulted SL original creditor was AES and backed by Wachovia. It was a program called Educaid at the time (don't know if that exists anymore). We thought that they were all PIF, but apparently there is one that slipped through the cracks for $1400. We both consolidated years ago after grad. This loan was not able to be consolidated because it is private. We have a CR from the end of May. The TL on his credit report says nothing about govt backed. It only states that it is charged off with Wachovia. Suddenly calls have started from Williams & Fudge. We have received nothing via mail. Last night his mom got a call and they were asking where he lives. I don't understand why they wouldn't have that information since it is all correct with the OC and on his CR. What we would like to do is verify the debt amount, whether it is indeed private or govt backed and make the phone calls to family stop. They have a phone number for him (he doesn't answer their calls) and one for me (I don't answer them either). Honestly without serious research we would have no clue who it is or what it is for since they have never identified themselves even on his VM. Does he need to answer one of their calls or (God forbid) call them back? We can obtain W&F address to send a letter, but do not want to do that without some info from them to begin with. I'm not sure how to advise him on this one since it is SL and they are being very deceptive and sneaky for no good reason.