My question involves collection proceedings in the State of: North Carolina
This is an interesting civil procedure/choice of law question that may affect me in the near future and I'm hoping that some of the attorneys on this site can give me an answer.
I went to graduate school in Washington, DC. In so doing, I racked up six figures of student loan debt, assuming that I would have a six figure job within a few years of building my career after graduation. When the economy went south, so did my career. I am currently working, but only making 50k a year, while my student loans total about 200k. About 50k is federally-backed, which I have deferred. The other 150k is comprised of a series of PRIVATE student loans with no government guarantee or backing. They are owned by a major private student loan company, Access Group.
When I was going to school in DC, I was living across the Potomac in Virginia. I took out about half of the private student loans as a Virginia resident. Then I switched apartments and didn't want to deal with the hassle of changing my address a million times, so I used my parents' address in Michigan as my home address when I took out the other half of the private student loans. So some of the loans have a promissory note that I signed as a Virginia resident, and the rest of the loans I signed as a Michigan resident, all while I was going to school in DC.
After grad school I worked for several years as a Virginia resident, got laid off multiple times, and defaulted on my private student loans. It's been about a year since default and no one has sued me yet. But I am now working in North Carolina and am making the transition to North Carolina residency as we speak (changing addresses, etc). My question is: if Access Group decides to sue, say, tomorrow, where would they be able to file suit against me? I took out the loans as a Virginia resident, I took out more loans as a Michigan resident, all the loans were used for a school in DC, I paid on all of them and defaulted on all as a Virginia resident, and now I'm a North Carolina resident. Is there a clear legal answer on this issue?