I am a cosigner on an XXXX. The load has gone into collections because none of the benefits of VSAC loans are attached to this loan. There are no reduced payments, no deferments and I am not allowed to consolidate this loan because it is a private loan. I filed for bankruptcy a few years back and the loans were not discharged even though they are private loans. 

The loans have gone into collections and I was told that I would be allowed to have a hearing based upon hardship. VSAC placed an offset on my tax return that I had intended to use to pay my Federal taxes. I was expecting to receive a property tax rebate that is based on my income and my ability to pay my property taxes. This money has been used to offset my VSAC loan. VSAC sent me a letter telling me they had confiscated my tax rebate and that I had a right to a hearing upon request. I sent a letter to them requesting a hearing and was denied. I rely on this money to pay my property taxes to my town. 

I have not been able to work out any arrangements with the collection agency. When I spoke to a representative from VSAC on the phone she told me to speak with the collection agency eventhough VSAC is sending me correspondence. 

I would like some help with working this out with VSAC. I would like a hardship hearing and I would like to know why private loans are not being discharged in bankruptcy. I still have bills that need to be payed before my loans.