My question involves collection proceedings in the State of: Alabama
The collection agency in question is located in South Carolina. The loan took place in Alabama. I have reviewed SOL's for both Alabama and SC and it appears the SOL, no matter the classification, has run out.
A family member received a voice mail with a message that they were attempting to contact me. Not really sure the connection there, as I have never used him as a reference and moved out of my parents home when he was still a minor. This debt is 15 years old. Furthermore, the school where the loan originated had my address wrong in as many years, therefore I have never heard a word about this debt until this week. I had other federal student loan debts from another school which were offset through my federal refund and any remaining loans are being taken out of Social Security benefits. I am now working with that agency to file a "Total, permanent disability" to have it forgiven.
I only have one asset, a home which my name appears jointly on a deed.
Assuming the SOL has run out and this was not a federally secured loan, what is the likely scenario? I certainly do not want to lose a home over a tuition fee that amounts to less than 2,000 dollars. Do courts normally throw out these cases when considering the SOL?
I have a family member insisting that filing a quit claim deed to the property is the best option. Is this really the best thing to do? She also insists that a judgment could be filed without my knowledge and a lien placed on the property.
I would appreciate help from anyone who could get her and the creditor off my back... and I promise to keep my financial woes to myself from now on.

