Tax

I think the problem is that since student loans are non dischargable, the loan companies are not prevented from continuing to take action to collect on the debt, and so they can sometimes take that as a license to continue harassing debtors. If you have not yet received a discharge, the automatic stay still applies, and they are not allowed to call.

Although I agree that litigation is no fun and should only be used as a last resort, I think you should probably talk more to your lawyer about pursuing legal action against the loan company. If consumers don't stand up for themselves, then companies will never stop acting badly. Plus, at least while you are still in a Chapter 13, you probably can pay for your attorney through your plan. Without knowing all the circumstances, it is hard to know exactly what would be involved. It sounds like your lawyer has an idea about making it stop, and I think you should speak further with him or her and see what they can do to help you. Good luck!