My question involves collection proceedings in the State of: MA
I have a private student loan through citi bank, for which my father was the cosigner. My father passed away in 2007 at which point I did notify citi bank of his passing. I filed for bankruptcy of credit card debt, NOT student loans, in 2010. At this point, my intent was to continue paying on my student loans, but when I contacted citi bank they would not speak to me because of the bankruptcy status, insisting that they speak with the cosigner. I again informed them that my father had passed away. They made me answer a bunch of questions about his passing (which was painful to go through again) and requested a death certificate, stating that they would not speak to me until that was received. I sent them the requested death certificate. While I was waiting for them to talk to me, I received a letter from Diversified Collection Services that my loans were in default and due immediately. I struggled with DCS to make a payment arrangement, dealt with harassing and threatening phone calls. I eventually sought legal assistance, because of the manner in which I was being treated by DCS, and they agreed to a settlement because they did not want to go to court. Now my loans, if I understand correctly, will go to another collections agency. I do NOT want to deal with collections as I know that many agencies violate laws and are difficult to deal with. I would like some assistance in dealing with citi bank as I do not feel my loans should be in default- I made an effort to continue paying them but they would not communicate with me. I wrote them a letter and received no response. This is very negatively impacting my credit and I would like to resolve it as soon as possible. Even if someone has information for how to contact someone "higher up" in citi bank I would appreciate it! Thanks!