I’ve defaulted on my private student loans (Navient) more than 10 years ago. I haven’t heard a peep from them since the pandemic and now I randomly get an email from a collections agency kindly reminding me I owe $200k+ in private student loans, and lists each loan. They note that I cannot be sued for said loans. Is this something I should or can ignore?

I was stupid in college and took out a shit ton of student loans; I even lost track. From what I can tell, $200k in private and $100k in federal. After college I couldn’t get a decent job for a long time, so I couldn’t pay a dime to any of my loans. I would get calls dozens of times per day from collections. I still get PTSD when I hear a phone ring. I eventually got a okayish job making 40k, when my wages were garnished for a couple of years. The pandemic happened and the garnishes stopped. I worked hard and got a $200k/year job during the pandemic and used the opportunity to get out of default on my federal loans. Now I make $1700/month payments on those.

Out of the blue last week I get an email from a collections reminding me that my private student loans are still around. The email mentions that I cannot be sued over it. I immediate checked my credit report and found none of that is on there (just my federal). Is this something I can safely ignore or should I expect more similar emails? Is it worth replying asking for proof, or will any communication make them harass me all over again? I don’t plan on making any private loan payments.