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  1. #1
    Join Date
    Aug 2013
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    1

    Default Private Student Loan Statute of Limitations in North Carolina

    Can anyone please tell me what the statute of limitations is for private student loans in the state of North Carolina? Also, this was an old loan through AES/NCT that just showed up on my credit report that was actually discharged through a chapter 7 bankruptcy filed in December of 2011, that was at least according to the court documents that were received. The loan defaulted due to some serious health issues from my accident in the latter part of 2007. Any input on this matter will be highly appreciated before I attempt to contact NCO Financial about this matter. Thank you!

  2. #2
    Join Date
    Sep 2011
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    OH10
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    17,019

    Default Re: Private Studen Loan Statute of Limitations in North Carolina

    Contact them and provide them with proof the debt was discharged.

  3. #3
    Join Date
    Sep 2005
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    Behind a Desk
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    98,846

    Default Re: Private Student Loan Statute of Limitations in North Carolina

    If in fact the order of discharge includes the loan, with the creditor having been duly notified of the bankruptcy and the plan to seek (hardship?) discharge, then documenting the discharge should be more than sufficient to end the contact. If a creditor attempts to collect a discharged debt you can seek recourse through contempt proceedings in the bankruptcy court. Have you drawn the discharge to their attention and, if so, why are they contending that they still have the right to collect?

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