Personal Narrative: My Bankruptcy

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I was laid off and unable to secure employment for six years. I filed chapter 13 bankruptcy during that time. Therefore, my student loans had to be placed in deferment for 7 years of the bankruptcy. When I was discharged from my bankruptcy, I received emails from three student loan financial institutions that I never obtain a loan from requesting payments for student loans. I sent letters to each financial institution requesting an audit of my account. Two of the financial institutions provided the information I requested. However, I never received the information from the third institution, Navient. Navient sent me emails with no account information or contact information. Navient representatives began calling me numerous times a day.

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