This is kind of a long story, but I will make it as short as possible. Like many, I've faced quite the financial crisis. My ex husband was paying on my student loans for me and of course, I wasn't keeping track of payments made because he was emailing confirmation codes to me for months and I actually trusted him. This was all part of a legal agreement when we divorced. I haven't had any contact with him in a few months but the confirmation codes kept coming. Yesterday, I received a call from a company by the name of Educational Credit Management Corporation who said my student loans are in collections. They claim the last payment was received in September of last year. I should have known better than to trust my ex husband to continue paying on these loans, however, he had done it for over a year and knowing that it was court ordered, I just knew he would most likely continue to pay them. I'm really not in a position to catch the defaulted amount up at this time and my income has just recently been cut over 50% due to job loss. I have never dealt with this collections company before. I know these loans have to be paid back and I've already spoken with the lawyer that handled our divorce who says we can go in front of the judge because my ex is technically "in contempt" of court for not following through with a court ordered agreement. The downside to that is it could be months before we could even get a court date. I'm kind of at a loss and in a pretty bad financial bind. It really has me worried. Does anyone have any suggestions or advice for me?