Hi everyone - I defaulted on my private loans in 2019. I had paid $50k over 10 years and simply couldn’t pay what they wanted any more as a teacher so I strategically defaulted. The total at that point was like $160k left, it was bananas.

So earlier this year, I was served with a lawsuit 2 of the 7 loans I had with Sallie Mae/navient. A different 2 loans were discharged in a lawsuit a few years ago and were taken off my credit, leaving me with 5. So I hired a lawyer who worked with the debt collector on a settlement and I am repaying the $70k they came after me for at $700 a month. I kinda thought if they had documentation (like the original promissory and what not) they would have come after me for all 5 but it was just the two so settle we did. I’ve been paying since March.

So that leaves 3 loans that are just floating out there in the world and someone came to my house yesterday looking for my mom. My mom did co-sign on some of my loans but since I went to college 20 years ago at this point I don’t remember how many and which ones. She had a parent loan which she was able to get forgiven because she is disabled from a stroke. So anyway the woman was looking for my mom, I could see the top of the paper said ABC legal so I’m assuming it’s for one if not all of those 3 loans. I told her my mom doesn’t live in the state (she doesn’t). The woman made a note in her phone that she talked to her daughter and left.

So I have a few questions - how did my my mom’s name get attached to my address? She’s never lived with me, she lives many states away. Secondly my mom is probably one of the few people on the planet who does not use the internet, like at all. She doesn’t have a smart phone or cable so she has zero foot print on line. All night I was searching her name to see if any lawsuits had been filed and I can’t find anything. When I was served mine popped right up. Lastly my mom is disabled. She’s 73, she had a stroke, she’s on disability but she does have a trailer as her primary residence and has some money in the bank she lives off of from my dad passing away.

I’m just gonna tell her if anyone comes to give her papers to send them to me (she doesn’t use a computer so she can’t scan them or anything) and I’ll go over them with the lawyer I used for the first settlement agreement. She gets stressed out and confused very easily. I honestly don’t even know where to look to see which loans she co-signed on so I have a heads up what might be coming. My other concern is it might be zombie debt, someone trying to collect on one of those two loans that was discharged or the loan she had forgiven because I don’t know why they would serve just her and not me, they clearly have my address.

Anyway, I’m sick of years and years of this bullshit, I wish we had a flare for that. Thanks for any help guys!