My son has a private student loan that originated from XXXX XXXX XXXX and was serviced by American Education Services. I was the co-signer on the loan. I filed for XXXX XXXX bankruptcy in XXXX XXXX. All of my son 's student loans was in in-school deferment. AES allowed his loans to be in deferment for a short period of time at which time he had to pay the monthly installments. In XXXX XXXX my son 's started experiencing difficulty paying his loan. He sent payment of {$200.00} to AES for XXXX and requested assistance in lowing his payments. In the meantime AES was calling and emailing me several times during the time about him being 30 days late. He contacted them in XXXX XXXX asking that they discontinue contacting me because I was in bankruptcy and again requested assistance in a payment program he would manage. AES asked that they get a copy of my Letter to Creditor on the bankruptcy. When my son forward it to them on XXXX XXXX, XXXX about 3 weeks later, saw that his loan was first in deferment and when he reviewed the account in XXXX XXXX saw that it was listed as " defaulted ''. He sent an email to AES advising that he was not in default and requested several times for assistance. However, the only reply he received was an auto email message advising that they received his communication. No communication was sent to him advising as to why they placed his loans in default, no communication on who he could contact to resolve the issue. It was not until my bankruptcy was discharged in XXXX, that we XXXX received collection letters from XXXX XXXX XXXX XXXX XXXX XXXX XXXX that loans was in default and asking for full payment. The letter from collection agency reference that the loans was in default as of XXXX XXXX, XXXX ; which is not correct since my son made a payment on XXXX/XXXX/XXXX and was in active communication with AES up to XXXX XXXX. His account with AES was lock and gave him nor I any ability to pay on the loans. All of the other private loans thru XXXX XXXX and XXXX was placed on forbearance until my bankruptcy was discharged. We are now paying on those loans monthly. AES was the only one that decided to just put the loans on default without advising of any option to resolve or to pay on the loans. We had no one to communicate to. These loans were for undergraduate degree my son obtain from XXXX XXXX University in XXXX, Georgia.