Are Student Loans included in a Chptr 13 case. I ask because I have a COMPANY contacting me by letter asking for payment.

I am not licensed to practice law in Texas so the following should not be taken as legal advice, but simply as information based on general principles of law which is intended to educate. If you need legal advice, please consult a lawyer who holds Texas licensure.

As you probably know, student loan obligations almost always survive bankruptcy. If your loan went into default, probably it went from the lender to the federal guarantor, and the guarantor sent it to a company whose job it is to get you to start paying. Be proactive, contact them and work out an arrangement with them to pay it. That loan isn't going to go away, and the sooner you start to pay on it the better off you'll be. Good luck.