First off I know it’s my fault and when I refinanced in 2017 I was bananas and dealing with a marriage that is now over. I owe approx 55k in private student loan debt through Navient. In Spring 2019 I filed bankruptcy due to medical issues- I was told I couldn’t do my loan by my attorney. Things didn’t get better after bankruptcy I continued to drown both financially and in life with my ex. I never paid toward these. I know, this was bad. Covid happened, my credit report shows I was current for random months in 2020 and 2021. I never asked for a deferment or forbearance. Dec 2021 they put my account as a charge off. Occasionally I would get letters asking to settle etc. my divorce was final in 2022 and I’m still just trying to survive and care for my kids. I left with nothing to my name just for my safety of me and my kids.

My credit report states my last payment was March 2019. Today I get a different letter from Asset Recovery Solution about the debt and then attempting to collect.

I live in Indiana. I’m not sure what to do or how much to pay attention to this letter or worry. Again it states my last payment was March 2019 I believe I’m past statute of limitations, but also those random times my account is reported current which it most certainly wasn’t I’m concerned.

I’m well aware the decisions I made are my fault both choosing the husband I did that destroyed my life and my inability to make a payment is some karma from all of it.

Thank you for any insight.