I had a PRIVATE student loan discharged in a Chapter 7 bankruptcy which was filed before the 2005 law change. Now, I have a collection agency attempting to collect on this loan and is threatening to garnish my wages. They have contacted my employer, called once on the phone, and have refused to send me anything in writing (NCO). I understand private student loans are no longer dischargeable, but this was before the change in the laws. Do I have any remedy against this collection?

