Numerous borrowers have written online complaints stating that their payments were never posted to their accounts, and that they were then sent collections letters despite making payments. (studentloans.net)
If debt collection letters are sent to your address in someone else's name, this does not make you liable for the debt. (nationaldebtline.org)
If you're getting collection letters and phone calls or if you are the defendant in a collection lawsuit, it is certainly a sign that you have more debt than you can handle. (natlbankruptcy.com)