I am new to the community here but the topic of fighting debt collection, and the possibility of organizing a debt strike has been something that has been on my mind for many years.
I assume that there are some people here that are lawyers or have judicial background and can lend a bit of color to an idea that I have about discharging student debt.
The basis of the idea is to create support for challenging student debt through the claim of mental incapacity. In my personal case, I have zero recollection of signing any of my student loan documents, or of the period during which I attended University. My sister committed suicide during the summer between my freshman and sophomore years, and I was being heavily medicated with an inappropriate cocktail of drugs by a school psychiatrist. I know this because of my school medical records. Additionally, I am told that I was heavily abusing drugs and alcohol. It is my belief that the combination of these two things would be a sufficient defense for mental incapacity, and being that there were no co-signers on my loans, then they should be discharged as I was in no state of mind to be signing a legal agreement.
I know that I am woefully ignorant of the law and that is why I wanted to post this here to see if there are any people with experience with this line of defense, or just more generally familiar with the legal system and how this might play out.