To Whom It May Concern, To start off with I got the loan when I was XXXX years of age. When I got the loan they did not inform me that it was a private student loan. They con my dad into co-signing and my dad is on XXXX. There was an estimate grace period of when I will start paying. They did not give me an estimate of what the payments would be. During the grace period they sold the loan from XXXX to XXXX XXXX XXXX, etc. When I started paying it was {$350.00} a month and I was not even working in the field of the XXXX. I paid for a consistent year and I became XXXX and had a XXXX. I also lost my job. I put the loan in forbearance until I was able to get back on my feet. In the year of XX/XX/XXXX around XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX, etc called and told me if I did n't pay a certain amount that they would pursue to other actions. I explain to them that I had been in hardship losing a child in XX/XX/XXXX and having a XXXX at 4 months in XX/XX/XXXX. I had just started a job and was not able to pay anything that day. The man I talk too told me that life goes on and I owe and for me to pay. I explain until my face turn blue that I was in hardship. In XX/XX/XXXX I contacted XXXX XXXX XXXX, etc to set up a payment plan because I had got a better job and things were getting better. This was when I was informed that they sold the loan yet again to a law firm. So they transferred me to this law firm. Weltmen, Weinberg & Reis. I spoke to a lady name XXXX. I made a payment plan of {$200.00} a month. I got behind because I have no income to even but food. They have been calling my phone 6 to 10 times a day leaving messages. I called this morning and the lady I spoke too told me that XXXX was no longer working with them. I said well did ya 'll get my message. I call last month to try to resolve the issue. The lady did not reply back. The only comment she made was for me to see if I could refinance the loan and the would knock {$7000.00} off. I explain to the lady that I would talk to my dad and see what I can do. This whole time I was not informed of my right or even offered any help while explaining everything that has been going on. I am working full-time and I am a XXXX student. I am trying to better myself while paying for a roof over my head. I am tired of the rude comments and the fact that I did n't know anything. They have even called my dad telling him that they will take everything he owns from him knowing that he is XXXX. As far as I can recalled I have done my the rightfully thing to do and yet they are still harassing me. Calling my phone, my husbands phone, and my dads. I have paid a total of {$1400.00} in a year. I only make {$1500.00} a month and I only bring home {$1200.00} a month. I have a home to keep over my head and I have to have a way to work and yet they still want more than what I have been giving. They have me so overwhelm to where I ca n't even by food to put in my home. I barely have gas to make it to work. Please help me. I have been dealing with this for 6 years and now I do n't know what to do. I was blindsided of the fact that it is a private student loan. I did not find that out until Weltmen, Weinberg & Reis took my loan over. Not even knowing that the loan was even in collections. I feel I have been done wrong. Especially when I have called and explain everything. Please help me with this matter. The school I attended was a school in XXXX XXXX. a XXXX school. I only attend the school for 2 weeks and moved. I am not working at a XXXX and I am a XXXX trying to get my degree in XXXX.