My question involves collection proceedings involving 3 states:
University: RI
Collections agency: MA
Me: CT
Thanks in advance for any advice given, and I apologize if this has been covered elsewhere.
In 1998, I took out a private loan to attend Johnson & Wales in Rhode Island. I quickly left the school and defaulted on the loan. I received sporadic correspondence from a J&W lawyer regarding the debt over the years. After a lull, a collections agency has called my cell phone twice, and sent a letter demanding payment of the balance, with interest now about $6000 (the original '98 balance was about $2000.) I have never returned any correspondence regarding the debt, and it does not appear on my credit report.
The sol on debts "under seal" is 20 years in RI. I have always lived in CT (except for the 3 months at J&W). I'm unsure which sol applies. My #1 goal is to never pay this debt. It would be nice to stop the calls as well, but I'll be happy with #1.
Again, thanks for any help. I am getting nervous about these calls. I'm going to dig out the original loan paperwork tonight and look it over.

