My question involves collection proceedings in the State of: Indiana
I have an unusual situation. I'm currently 26 years old and in the middle of graduate school. I didn't know this until a couple years after I graduated, but my parents took out a lot of money in private loans in my name while I was in undergrad, much more than was necessary to pay for my education. It turns out that my dad was unemployed for some time, so in order to keep the house and whatnot, they decided to take out student loans. The plan was that my dad would get another job and that my parents would pay these loans off. What happened is that my dad is sick and on disability now. My parents filed bankruptcy two years ago. So, I'm left with nearly $200,000 in debt, most of it private.
Like I said, I'm in graduate school and have only loans and my husband's part-time income to live off of. It is impossible for me to make any payments. And as apologetic as my parents are, they really aren't in a financial position to help out much either. It's gotten to the point where one of the private loan companies has hired a law firm. Now I'm really starting to worry about my financial future...buying a house, car, employment, etc.
Question: is there any way, without a lawsuit, to transfer these private loans to my parents' name? My credit is already screwed, and I'm just tyring to figure out a way to get this monkey off my back. Thanks.

