ACS Education Services Student Loan Complaint

ACS Education Services Student loan department,

Non-federal student loan Dealing with my lender or servicer Need information about my balance/terms Texas

I have paid on a consumer credit student loan since -. My school did not accept federal or private loan disbursement of funds. This was living expense. After - for over 10 years I am on - -. Consumer loans earmarked as student loans disbursed directly to me are not dischargable in ch. - bankruptcy. ACS services my loan and ca n't make discussion in regard to discharge, and they will not provide me with the of the bank who owns the loan, who makes those decisions. THE PROMISSORY NOTE HAS BEEN LOST BY THE SERVICER AND THE OWNER OF THE LOAN. THEY HAVE PAGE - AND -. THE TERMS ARE LOST. THEY TELL ME THEY ARE UNDER NO OBLIGATION TO TELL ME ANYTHING. IF I STOP PAYING, I CAN HAVE CONTACT WITH THE OWNER OF THE LOAN. Federal loans are discharged in my situation. In bankruptcy this is no longer a consumer loan. The rules that apply to federal loans would benefit me, but now I found out the -/-/- bankruptcy reform only punishes those with a consumer credit loan and does not afford those of us with the private loan the benefits afforded for a federal student loan holder. OF ALL OF THE RULES PERTAINING TO CREDIT, THIS IS THE MOST UNJUST AND INCONSISTENT. THERE IS NO PROTECTION OF THE INDIVIDUAL FROM BANKS WHO CREATE LAWS FOR THEIR BENEFIT. UPON MY DEATH I AM NOT EVEN ALLOWED TO KNOW WHAT WILL BECOME OF THIS LOAN. - - currently claims they hold the loan, but my SERVICER will not confirm or deny. Banks can change legal documents even after agreeing upon the terms and they do n't even have to keep a copy of the promissory note.