First off I would like to warn people before obtaining a loan from sallied Mae. They charge a fee for dispersing money, then they charge a fee when your loans go into repayment. If you need a deferment of payments they charge you another fee.
My situation I had applied for a private student loan with my mother as a cosigner in 2009. I left school in 2010 in December I filed for bankruptcy chapter 7. When sallied Mae caught wind of my bankruptcy they removed me from the account (i could no longer service the account and when I would call they had no record of the account under my ssn). My bankruptcy cleared march. I just received a letter saying since my bankruptcy cleared and their account was not discharged I am again responsible for the loan. My question is since they took me off the contract wouldn't I have to sign a new contract? Or can they edit contracts as they see fit?
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