Can my lender force me to pay my loan according to their terms?

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I have a student loan on 2003. My ex filed bunkruptcy on 2004 and it was discharged. he included my loan to that. I sent a fax to my lender telling them that I will still pay my loan according to my budget since I am still struggling. They did not answer my letter, instead they sent me promotional offers from their company. Now after almost 2 years since I sent that letter, a representative from them contacted me telling me to pay my loan according to their terms. My loan is 3420. He told me to pay 1000 within 2 weeks, and the remaining balance within 1 year. I told him I cannot pay 186 mothly because my income is low, and if I do that, my family will starve, I could only pay maybe 100 a month. he told me I would have to find a way to pay the amount or else they will make me pay the principal with interest which is 5500, and that I am not in the position to make bargains because I owe them money

Can my lender force me to pay my loan according to their terms?

If it was discharged, then it's their loss. Get a copy from the courts that show that loan was discharged and send them a copy and tell them to leave you alone.

Can my lender force me to pay my loan according to their terms?

The info in your question doesn't make sense.

If your ex filed bankruptcy, but you didn't, why would the her bankruptcy discharge your student loan?

I was under the impression that government guaranteed student loans were not dischargeable in bankruptcy - but yours might not be the GSL/Stafford type loan.

Can my lender force me to pay my loan according to their terms?

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