Consumer complaint received 2017-05-21
Company: JPMORGAN CHASE & CO.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I filed a bankruptcy on XX/XX/XXXX in order to get JPMorgan Chase to renegotiate the terms of my loan. They never showed up at the bankruptcy hearing. I filed a undue hardship petition to the court in order to discharge all student loan debt. Every other lender came to court and renegotiated the student loan debt - mostly forgiving most of the debt due to my low income and XXXX. I was diagnosed with XXXX. I need to get a hold of chase or I will have to reopen the undue hardship case. I connected once before through the CFPB and received a letter that did not resolve the situation. <P/>A letter was sent from Chase stating that they were never served on XX/XX/XXXX. Also, they stated I was not eligible for payment assistance because I am in " bankruptcy status '' The bankruptcy has been discharged and they never showed up to court. <P/>I need JPMorgan Chase to renegotiate the loan payments period. I did so with XXXX, XXXX XXXX, and XXXX XXXX. Most of the lenders forgave most of the loan or renegotiated the terms of the agreement. <P/>I need JPMorgan Chase to realize that if they do not renegotiate the loan, it will default. This will be my last attempt at keeping the loan from defaulting. My budget is clear as reported by the court docket in the Chapter XXXX case. I can not afford XXXX dollars a month for this payment on a 11 % interest rate. The other loans all become due in XX/XX/XXXX, and my limited income will go to paying the portions of those loans, and I will not have any money left for JPMorganChase. <P/>This loan needs to be renegotiated. This is the purpose of me trying to contact them. <P/>Also, JPMorganChase claimed they were never summoned to court. I attached the paperwork below. They were served certified mail on XX/XX/XXXX. It was received an opened by JPMorganchase. They lied when they wrote back a response to the CFPB. <P/>I need an immediate renegotiation of this loan. I have run out of any options with the servicer XXXX. They will not postpone, reduce, negate, negotiate with me with this loan. <P/>My Lawyer just received a letterfrom JPMorganChase. It did n't resolve or help an any way. This is not the way to  address a student loan about to default. <P/>JPMorgan needs to renegotiate the terms of this loan with my lawyer directly or with myself. I have attached his information below. <P/>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX XXXXXXXXXXXX XXXX Every other Student Loan company has renegotiated the terms of the loan within the bankruptcy. JPMorganChase was the only one that never showed up to court. <P/>I need a resolution and I need it fast before this starts spiraling out of control. I do not have enough income to continue to pay them, as I have renegotiated all my other loans, to XXXX dollars a month. <P/>Action is needed now. <P/><P/>My lenders have all worked with me only JPMorganChase has not. <P/>XXXX XXXX forgave XXXX in loans. <P/>XXXX took the XXXX I owed and reduced it to XXXX and forgave the rest and gave me a 0 % interest reworked payment plan. <P/>The Federal Student Loans make me pay XXXX a month because my income is too low. <P/>XXXX gave me a XXXX dollar a month payment plan. <P/>And Finally XXXX XXXX XXXX, gave me a 0 % XXXX dollar repayment plan. <P/>JPMORGANCHASE has done nothing. Only replied with a letter stating nothing of importance, and not helping with the student loans. They also lied and said they were never served I attached that below. I also attached a copy of a settlement with XXXX loan as an example. <P/><P/>CHASE needs to connect my lawyer with their lawyers or renegotiate this loan.

Company response to consumer: Closed with explanation