Just because you have stopped receiving notices and bills does not mean that your debt has disappeared. For example, doctors or hospitals sometimes stop sending bills to patients after several months but then turn it over to a collection agency. This will ultimately end up on your credit report. Unpaid student loans will also end up on your credit report and prevent you from getting a loan. Check your credit report now, before you try to get a loan and make sure there is nothing on your report that needs to be paid or disputed.
