My question involves collection proceedings in the State of: Ohio
I co-signed for a 10k student loan approx five  years ago with my GF. She never paid anything on it and has dodged all of the creditors trying to collect. Ultimately it got to the point where a law firm started contacting me about payment. At the time she was unemployed and living with her sister. I made arrangements to re-pay the loan. The balance was now 15k. I started making payments in August of 2009 and eventually paid $3108.00 before it came to my attention that since it was a student loan and not a government loan that my Chapter 7 filled just before the October 2005 deadline made this dischargeable. Yes, the loan was on my Chapter 7 documents but my attorney didn't make it clear to me [my fault for not checking the final documents and clearing with him]. Regardless, I contacted all parties and everyone confirmed that was discharged back in 2005.
I drafted a letter to Weltman, Weinberg & Reis in July 2010 informing them that I longer authorize them to makes withdrawals. I faxed them all of the legal documents on my Charpter 7 at the time. They still made a direct withdrawal on my checking account a few weeks later and I had to close it to prevent this reoccuring. I haven't heard from them since. Then today I was checking my credit report and I see they have put the 13k balance of the loan on my credit report! I waiting to hear back from my attorney that filed my Chapter 7 but what are my options at this point? I'm assuming their next action to take me to municipal court for judgement. I did this a few months ago with my XGF and since she never appeared was awarded judgement for the $3108.00 I'd already paid and now I'm in the process of having her wages garnished. TIA!