Hi all, this is my very first post, I have been reading here for several weeks. Everyone here has great strategies and approaches; I hope to be one of those success stories. So here goes:
I had a student loan with Wachovia/ACS, the lender was Wachovia and the servicer was ACS, and the guarantor was PHEA. Since I defaulted on my student loan, PHEA, the guarantor purchased the loan from Wachovia. Now PHEA is telling me to talk to DCS the ca. I’m trying to rehabilitate my loan, but PHEA would not speak with me; I called DCS to rehabilitate, but all they are telling me is to make a payment. And they told me I could not rehabilitate just consolidate. I am so confused, is it legal what they are doing?