It's our old friend Sallie Mae:

http://www.lawinsider.com/contracts/4nt64cDsv ... ae/0/2010-09-17

Update:  Actually they were not that bad ... they are the new "kinder, gentler" Sallie Mae and they just want to update your contact info, get you to apply for a new deferment or make a payment ... still the underlying premise remains intact; you owe us this debt that grows every day and can never be discharged, and we will quietly lie in wait until you ever have any assets and/ or money, and collect it all plus fee interest and penalties until the day you die ...

My payments get made and these scumbags want more and more.

Sorry, but if you call after 8:30pm, I'm not answering unless you are family! Anything after 8 is in violation

Actually, law states 9pm is legal limit..