I have some questions about GATE loans, and how they are legally categorized...

Are they state/federal backed?

Do SOL laws work with these loans?

Do CA's have to validate these?

How can they be successfully fought?

I have a defaulted GATE loan that I signed for in 97/98. I thought this loan was a part of the rest of the federal loans I had consolidated and paid off years ago.

Recently, Zwicker and Associates has been aggressively coming after me for this, and have been as horrible as their reputation lends...

I have sent a DV letter, and got back copies of old promissory notes.

Prior to finding creditboards, I have talked to them on the phone, and they are demanding I pay all $5000 now, and won't take any sort of payment plans or anything like that...

I need help! I need to find another option...

Any assistance you can give me would be greatly appreciated!

- Jared