DEAR HARRY: Several years ago, I co-signed a loan for my son through Sallie Mae, the student-loan corporation. Shortly afterward, he stopped all contact with us and stopped paying on the loan. Naturally, they came after me for payment. Fortunately, I was able to resolve this problem by entering into a co-borrower release agreement with Sallie Mae in February 2009.

Since then, I have been contacted from time to time by collection agencies claiming to represent Sallie Mae. They insist that I still owe the full remaining principal on the loan. I have told the collectors and Sallie Mae to back off because of my agreement. That does it for while, but they keep coming back. I finally got to a supervisor, who asked that I email a copy of my agreement. I did it by email and U.S. mail. Last week, I got a call from this supervisor asking why I didn't send that copy. At this point, on top of all else, I'm starting to worry about my credit report. Help!

WHAT HARRY SAYS: What a nasty mess. This all started because someone at Sallie Mae pushed the wrong buttons. Re-send that copy by email. If that doesn't do the trick, you'll need a voice more powerful than your own. Get your congressman on your side. A letter or call can have a strong effect, especially where federal rules are involved.

Email Harry Gross at, or
write to him at Daily News, 801 Market St., Philadelphia, PA 19107. Harry urges all his readers to give blood. Contact the American Red Cross at 800-Red Cross.