I recently tried to get a transcript from my old university so I can enroll at another university this summer on the Social Securities PASS (Planning to Achieve Self Support) Program. I just got an official transcipt from my old university in the summer of 2005 so I could attend a community college and there was no problem at that time. My old university listed me as "IN GOOD STANDING".

Now they refuse me an official transcript saying I owed an old debt to the university from 1995. They said they got a judgement against me in 1997 and placed with a collection agency. First of all, I was never served with anything. When I left school in 1995, I got a refund for my Pell Grant balance and left the school in good standing then. This is my first time hearing of an outstanding balance.

I 1999, I became disabled and filed for Chapter 7 bankruptcy. Shouldn't that debt have been discharged anyway? The collections agency that has the debt says that I could have had the debt discharged because it was a student loan. So i asked them to send me a copy of my debt and it is NOT a student loan, but some outstanding charges the school say I incurred after I got my refund check.

Since I was never served with a summons, is this judgement legal? Or can I somehow retroactively have the debt discharged because of my Chapter 7 bankruptcy I had back in 1999?