I co-signed for XXXX loans way back in the year of XX/XX/XXXX. 
My son defaulted on the loans and naturally the company ( XXXX now known as NAVIENT ) came after me the co-signer. I told them I am sorry but I have financial hardship due to my XXXX and medical bills and can not make any payments. It has been 14 years and the statue of limitations has applied. Further more these loans were included in my Chapter XXXX bankruptcy discharged on XX/XX/XXXX. It is in my contract that I can include in a bankruptcy if there is a financial hardship. 
Please have NAVIENT to stop selling the loan accounts to credit collectors. Please have the credit collection company to stop reporting non-payments to the credit bureaus. 
NAVIENT has turned