My question involves collection proceedings in the State of: North Carolina/New York
I'm from New York, but currently reside in North Carolina. I moved down here with my father to attempt to get back on my feet after years of unsuccessful job hunting.
Long story short, I owe Chase Student Loans under 25,000. I've been trying my darndest to pay these loans and live. It wasn't working, so the situation with my father arose as a result of that. In fact on multiple occasions he paid for me. Now, I haven't been able to get a job (and I can prove I've been busting my butt trying to find one) in my field, and have had to, in turn, work food service jobs part time or full time, work under the table and do "handyman work" for years. Things were looking up last year, then during the summer I had to pay a number of other bills and things got tight again. I haven't even owned a cell phone since then (and before that I had prepaid ones that were shut off half the time). I haven't had an apartment in my name because I can't afford the rent, or cable, or internet. I have a house line that my father has me use, while he used a prepaid cell phone. Last fall I fell down a flight of stairs and broke my spine in three places. I have floating bone chips and nerve damage that makes it very difficult for me to work. Despite the recovery time of 18 months, I went back to work after just 4 to attempt to start paying things off again. Within a few weeks my leg had gone out and I had to go to the emergency room. They told me there that I wouldn't be able to work, and should not be standing at ANY job, or sitting, for extended periods of time. I had spoke with Chase about the situation and thought it had been put into forebearance while I recovered. This morning I received a call from a collection agency and was forced to set up a payment plan I'm unlikely to be able to pay, or have the loan go immediately into default (they had not been contacting me at the right places, despite having my home number). They called my fathers cell, asking for me, but not saying what for or why they were calling. I'm extremely concerned about having my wages garnished, I finally found another job that will hire me despite my injury (at a sub shop, the shifts are short and the manager is understanding), but I don't start that until Saturday/Monday (short shift on Saturday to "train," which is really my manager just getting me a few hours as I have more experience than he does in such shops). I'm a very intelligent and capable person who just seems to make dumb decisions or just has had some bad freakin' luck. I don't want to be buried like this. But I am. I have to deal with it. I know that private SL bankruptcy is damn near impossible, but I'm wondering if it is completely? I was hoping that showing undue hardship, plus my constant searching for jobs (I'm registered on lots of job sites, with NCESC, staffing companies, all that), and my injury might help me at least sort this out, get it out of collections (where the payments will vary from 500-680 a month) and into something I can manage, or go to court and prove that I'm unable to do it at this time. I don't object to paying what I owe, that's why I signed the PN, but if my only option is to file for bankruptcy or the like that's what I will do.
A very distressed 27 year old.