Question about sold debt

Chapter 13 debtor

Hi!

Throwaway account for obvious reasons. I’m in northern IL.

About 18 months into my chapter 13 payment plan now, my private loan creditor (SoFi) has sold/charged off the remaining portion of my debt (100 some dollars..) to a third party.

I had been making these payments directly as they were student loans and this was allowed and confirmed per my plan.

I have the following concerns/observations:

  1. Sofi did this almost immediately after they were transferred the loan servicing from MOHELA. Which happened last week.

  2. I made a payment for the remainder on the 28th and they sold the debt on the 26th. They claim they will refund me the money (already in process per their customer service.)

  3. I have spoken with my lawyer and he says that since I was paying them directly, there is nothing much he can do on his end and I will just need to pay the remainder off to the debt buyer. They wouldn’t say who the debt buyer was.

  4. I’m concerned this can somehow affect my discharge or somehow a violation of the stay.

Any insight would be helpful. NOT ASKING FOR LEGAL ADVICE.

Thanks in advance.

Posted Dec 3, 2025, 1:29 AM UTC

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