What is the name of your state (only U.S. law)? New Jersey
I received a letter from an "attorney" trying to collect a debt from 7 yrs ago. They are telling me I owe my old college, for some Perkins Loan and an emergency loan. I thought I was paying as of now all my students loans but this is something it took me by surprise. The amount is about $3000 and now with interests and attorney's fee is up to $5683!! First: I didn't know about this, I know I took loans for college but I thought I was paying ALL of them. second: I tried to call the number on the top of the letter but there is no answer and no voice mail to leave a message. At the end of the letter they said that If I not pay the whole amount or If don't make any arrangements they will take legal action.
The question is: Should I contact a lawyer myself? How should I handle this?