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Essentially, I went to a university in 2009. Halfway through, I was hospitalized for mini-strokes and did not return to school (everything was very fuzzy for 2 years after). I did not withdraw properly (did not know what I was doing), so they charged me for the full semester.
The debt was sent to collections in 2012 (university never even contacted me). The 1st time I talked to them, I asked for validation. They did not send it, however they DID claim I validated the debt over the phone (certainly did not). They never sent validation, and in 2013 another collector sued me saying that interest had been accruing all along.
They say I defaulted on the loan, the university stonewalled me ("talk to lawyer"), and I can't get an answer why financial aid wasn't there. I'm broke with no credit...