I’m officially a year into default with Earnest now, and here’s what the journey has looked like so far:

1. They’ve made several attempts to contact me directly.

2. I’ve gotten a handful of nasty voicemails.

3. They even reached out to my husband’s estranged family member (which felt like such an overstep).

4. I’ve received multiple “incognito envelopes” for demand letters that don’t even look official at first glance.

5. The most recent letter, back in June, said my account was being sent for “litigation review.”

So far, nothing has actually moved forward beyond the threats and letters. At this point, it’s still a waiting game.

I wanted to share this for anyone else going through the same process. It helps to know you’re not alone.