Quote Quoting pg1067
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No one here has the ability to opine intelligently about the likelihood of some unknown company taking a particular action based on knowledge that the company may or may not have.

That the loan has been paid off would not be a defense to any potential charge arising out of the facts you described.
Loan companies that have been paid off are very unlikely to pursue anything. It would not be cost effective for them. Swim also took out the loan 4 years ago and his dad died only two years ago, so the loan company does not truly know that the loan was not taken out by Swim's dad and swim just chose to keep making the payments.