When she was contacted, the guy on the phone said she had until the end of the day to pay all that they claimed she owed, or the loan would be in default. She paid it the 6-months of payments over the phone, just to avoid the default. The thinking was that we would get it all squared away once she showed proof. Upon faxing them the proof, she never heard back. After calling them about once a month since, still no real results. At least the last couple tries, the person does say the payments were made, and that they will credit the account. This has yet to happen though.