I am filling chapter 7 bankruptcy in Ohio without a lawyer. I received a letter from a creditor for a student loan. The student loan is not through the U.S. Gvt but through American Education Services. It states in short that I can discharge this debt if I file a complaint on the basis that payment would present undue hardship. It says that I must file a Summons and Complaint. The only forms that I have found are for creditors to file, not debtors. It says that if I don't do this, that after the discharge they will resume the collection process. Can any one offer any suggestions please.

