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This is happening to me too. I filed chapter 13 in 2011.

Sallie Mae claimed $37k, and ECMC filed a $10k claim. I paid it all off over 5 years. Immediately after receiving my discharge papers, I start getting calls from ECMC saying I'm in default by $55k. They show they got payments on their claim from the trustee, but showed $45k + $10k in collections.

They showed the loans all came from Sallie Mae. They immediately threatened me with garnishment. I keep telling them that I paid Sallie Mae via the trustee and I have proof, but they just keep saying, "you must have had more loans than you thought you did." Uhm, no, I didn't. I'm currently working with my bankruptcy lawyer to get this resolved but I'm afraid that I'm going to end up paying all of this over again.

They are sharks and don't care who they hurt. They want their commission.

Reason of review: Problems with payment.

Location: Cookeville, Tennessee

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I am going through the same thing right now. My bankruptcy was discharged Nov.

2016 and shorty afterwards I started getting the calls. My initial balance was $36,000, the bankruptcy trustee disbursed payment of $20,061 to ECMC and now they are saying I owe them 33,577.

It just don't add up. This is a real scam.

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