One of the loans said they would accept a payment of $3,700.00 to cancel the debt (which is $4,500) but it had to be by the end of the month. I couldn't afford that and wrote to them stating I would pay by the end of December, but there has been no response.
The other loan is for just over $8,000.00 (this is the Sallie Mae loan), however when they call I have no idea what company I am speaking to or how to contact them. I have asked them to give me information in writing but they refuse to do so.
Just to complicate things further...I only took out one of these loans (the $4500 one), the other was taken out in my name by my father. I didn't know about the loan until it defaulted and so I have no paperwork or information about it. I'm not even sure what the original amount of the loan was or anything.
I would be happy to get on a reasonable repayment plan for both of these debts - I feel like I am being haunted as an adult for decisions I made (and didn't make) as a teenager and I just want it out of my life. But I can't seem to find a credit management company able to take me on due to the complications.
I'm sorry if this is haphazard, there is so much to explain.