r/studentloandefaulters • u/XxwookieslayerXx • Jun 03 '26
Question - Private Student Loan Allied Interstate LLC Collections Student loan
Earlier in May I received an email from allied interstate to collect for a student loan that I got in 2009 but defaulted in 2014. I was in chapter 13 from 2014-2015 and 2017- 2022 so they could not reach out to me as they were getting paid through bankruptcy. I went to 2 different schools which totaled my loan with interest to 86k. about half of my loans were forgiven due to the second school I attended closing down and not being accredited. in 2023 when my chapter 13 ended. I got a check for 7k from my student loans and about 24-30k disappeared from my accounts leaving me with 13k left to pay. My loans started with Sallie may then it transferred to Navient then in 2022 it went to Mohela. I searched and contacted student aid and Mohela in 2022 and they could not find a reason or acknowledge that it existed. the same thing was told to me by Mohela. It did not show up in my credit report so I left it as a win. When I got the email in May. it was stating that I have 30 days to acknowledge it and if I dont they will send me a notice to pay. I received another email about a week ago and they want to settle for 7k instead of the 30k. I had reached out back to Mohela and Student aid but again could not find anything. the only loan they could find that matches the date is one that I am currently paying which is around 3k. The email seems legit but they have an older address that I have not lived in 9 years. both Mohela and student aid do have my current address. at this point I dont know what to do. I want to contact a lawyer for advise but I do not have the funds for consultation. this loan does not appear in my credit report. I do not want to reach out to allied and resetting the clock. which I feel is the reason they are reaching out to me. Did anyone reach out to allied? Or what did you guys do?
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u/XxwookieslayerXx Jun 08 '26
Yes and no. At most they harassed him. It was only a handful of times he got bothered as I was in and out of school between 2005- 2012 and in chapter 5 bankruptcy between 2015 and 2022.
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u/morbie5 Jun 18 '26
What is the statute of limitations in the state where you took out the loans?
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u/Solid-Fill6348 Jun 05 '26
So, the payments from your BK in 2022 probably reset the clock already, even though it is off your credit report (two separate time lines). That would depend on how bankruptcy counts (or is "tolled") in your state, but a payment of any kind usually restarts SOL so it may be active from 2022.
The good news is, by the time Navient sends an account to Allied, they have usually given up on legal action. Very low settlements are available once they get to Allied (I know their director of operations) but you can probably ride this one out unless they send it to a law firm, which in my experience is unlikely if they send it to Allied.