I defaulted on several student loans partially because I lost track of them and partially because living alone in Manhattan is expensive. At times, I bought things like fancy drinks and health insurance for my dogs rather than dealing with the loans.
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I get calls from collections agencies but I don't know how to figure out what is even possibly legitimate bc it's all such a cluster. I just ignore it all, and make my minimum monthly payment to Navient which is the known (sorta) legit place. nothing else happens.
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based on my l̶e̶g̶a̶l̶ ̶d̶e̶g̶r̶e̶e̶ ̶f̶r̶o̶m̶ ̶a̶n̶ ̶I̶v̶y̶ ̶L̶e̶a̶g̶u̶e̶ ̶l̶a̶w̶ ̶s̶c̶h̶o̶o̶l̶ reading of reddit, you can / should just ask each of these places for proof of the debt, and proof that they own it.
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