My question involves collection proceedings in the State of: NJ
Back in 1997, I filed for Bankruptcy, Chapter 7 to discharge my Student Loan. I know it was discharged because the laws did not change until a year or so later. Just recently, I am being contacted by this collection agency and now they are trying to garnish my wages. I keep telling them that my loan was discharged but they keep telling me it wasn't. They said because I was not in default for "7 years" (I was in default for "6"), the loan was not discharged. Is this true? I can't go back and sue the attorney for not advising me of this "law", if this is even true, and now I am stuck with a loan I thought was discharged?! Ironically, I am filing for Chapter 7 again this year, and I know it's too late to get this loan discharged, but I do believe that they have no right to collect or contact me while my bankruptcy was just filed and pending. On top of that, the amount they have listed exceeds the original loan by $10,000.00 and I have already paid them the "principal" amount before filing for Bankruptcy. It's the interest, collection fees, etc., that they are looking for. Is there anything I can do?

