I filled Bk7 and was discharged in 2010. I included my private uncertified "education loans" with the list of creditors. Never heard a peep from them since.
I have read you can include these after the fact at anytime if you can prove these were not "education loans" under the bankruptcy code. These loan were uncertified by my university. They were dispersed direct to me. I took them out after my last semester started and totals were above and beyond cost of attendance since I had a scholarship/ grant and aid. I am not proud of myself and I have worked hard since filing to improve my credit. I just don't want a surprise from my past popping up.
If one of these was to file a lawsuit against me could I also argue this against wage garnishment?
Thank you for your advice!