My question involves collection proceedings in the State of: Virginia
I have loans with two different companies, Salllie Mae and AES. I took a $2400 a month loss in pay and eventually left that job for the military this past March. SM loans have gone into default and are private unsubsidized Tuition answer loans. Just principal only the loans are $900 a month. AES is close to $400 a month. I have no way of paying these and I also filed bankruptcy last year due to the $2400 a month loss in pay. The S loans were put on the BK list, but were not discharged. Being they are private unsubsidized loans, can the BK be opened back up to include the S loans and are they dischargeable due to priv/unsub. I have asked in writing for promissary notes and they have not sent them. I sent a cease and desist letter because of the 10+ calls a day from collections and now the loans are being sent to collections in default.

