Since the OP has started multiple, identical threads, and my response to another one is getting buried, let me quote it here:
QUOTE
Deferment and forbearance options are quite limited when dealing with private loans. If you can't work out any payment arrangements with them and just want the calls to stop, you could send them a C&D. Brace yourself for a lawsuit, though, if you do that.
johnny, you might not have caught this, but the OP is referring to a private loan. As is the case with any private SL, the lender - unfortunately - pretty much has borrowers over a barrel as far as deferment and forbearance provisions go. These loans just don't work the same way that federal loans do.
Leigh, it seems to me that you're suggesting that the OP consider sending a written C&D, and I agree that it should be considered if his/her primary concern is getting the calls to stop. However, if you're as familiar with SL collection procedures as you claim to be, you should realize that doing so is pretty much an open invitation for a lawsuit. If the OP is essentially judgment proof, which seems to be the case, that might not be an issue of immediate concern, but it is most certainly one that sweetgem should be made aware of before choosing to go that route.