A: In math, reasonableness refers to the results of a calculation or problem-solving operation reflecting what is reasonable within the context of the given factors or values. Two qualifiers of an answer's reasonableness are the order of magnitude within the framework of the problem and whether the results are either positive or negative.
If a creditor violates the Automatic Stay and persists in debt collection activity, Rule 9011 of the Bankruptcy Code states a Debtor (person filing bankruptcy) can file an Adversary Complaint against the creditor.
If you file Chapter 7 or Chapter 13 bankruptcy, you may have your loan discharged in bankruptcy only if the bankruptcy court finds that repayment would impose undue hardship on you and your dependents. This must be decided in an adversary proceeding in bankruptcy court.