The is was a Private Student loan I got when I was attending XXXX XXXX in XXXX back in 2007. I had to drop out of school due to me losing my job and trying to stay afloat and provide for my family. My financial situation got so bad I had to file chapter XXXX bankruptcy.. At the time that Private Student loan was with XXXX XXXX XXXX Once the bankruptcy was clear I started to pay them back month but XXXX XXXX was still reporting negative things on my credit report preventing my credit to rebuild and I was unable to go back to school.. I made countless attempts for them to stop reporting negatively while I was still paying but the negative reports continued. Since I was n't getting anywhere with XXXX XXXX I decided to give up. Since then the account was taking over by a company called Navient once this happen I started to get nasty phone calls from collection companies threatening to garnish my wages. I let them know I can not afford to pay them monthly due to me living pay check to pay check. I also let them know I do n't have any money to settle this account. Once Navient took over the account they reopen the account on my credit report started to report delinquent every month and now they are placing this account as a open Collections account. I had to relocate for work so I can continue to make money but I 'm getting hunted with this in my new state. I can not even get a place to live I have to stay with friends and family..