<prompt> Human: In 2006, I stupidly took out a HELOC to pay off debt, mainly student loans. I paid about 20,00 to my federal consolidated loans and 10,000 to my private loans. After that lump sum payment, I heard ABSOLUTELY NOTHING FRON NAVIENT-no statements, no telephone calls, no account statements, no payment demands until 2016- TEN YEARS later. I should have paid more attention but I thought my lump sum payment covered years of monthly payments so I enjoyed the silence. I finally checked FASFA and saw that Navient had repeatedly put my loans in forbearance and deferments without my knowledge or consent. Of course, Navient could have told e about income-driven repayment plans I was eligible instead of delaying payments while the principal and interest drove up the loan balances but did not. Because of a life-altering accident, six months in the hospital and four surgeries along with other health issues, I am now permanently disabled. In 2018, 12 years after my last payments on my private loans they are now in default. Navient does not offer any programs to help the disabled their private loans. My loans are so old, they have actual paper promissory notes that now whose ownership have should have been legally transferred from the issuing bank to Sallie Mae and now Navient. Since they are decades old, I doubt they can found by Navient. Has anyone been sued by Navient? What happened? Did you dispute the debt and force Navient to prove the debt and provide accounting of all payments made, the dates the payments were made, how the payments were applied, and of all interest and other fees charged? I intend to do so since they were sued by the BFPB for overcharging borrowers for loan payments and interest and misapplying payments. I accountings which span over 2 decades of loan activity will show that Navient charged the proper payment amounts, properly applied the payments, charged the correct amount of interest and properly applied portions of my payments to interest and other fees. Any advice before I meet this giant in court? I heard they cloud title to the loan by suing through a Trust acting as a guarantor for Navient. How do I fight them if they try to hide the fact they dont have proper documentation of ownership of the debts by suing me with a trust as plaintiff?  <response>: If I lent you 50 bucks, I would expect you to pay me back at some point. I shouldnt have to follow you around and constantly remind you that you owe me, I shouldnt have to reach out to you and outline the 12 different ways I would accept repayment. You borrowed the money, you should figure out how to pay it back. 