Dealing with student loan collections can be a stressful experience for borrowers. While it is expected/necessary for you to repay student loan debt, you also have rights and protections against harassment from collection agencies.
In this article, we will educate readers on the actions by student loan collectors that may cross the line into harassment and empower them to identify potential violations of their consumer rights.
Recognizing Harassment in Student Loan Collections
Harassment from student loan collections can take various forms; here are some indicators that communication from a collection agency may have crossed the line into harassment:
- Excessive and Frequent Contact
Collection agencies are allowed to contact borrowers regarding student loan repayment. However, if they continuously call, send emails, or make excessive contact that is unreasonable or intrusive, it may be considered harassment. Calls made at unreasonable hours of the day are an example of this.
Collection agencies are prohibited from using threats or intimidation tactics to coerce borrowers into making payments.
- Misleading or Deceptive Statements
Collection agencies are not allowed to provide false or misleading information to borrowers. If they misrepresent the consequences of non-payment, misstate the amount owed, or provide inaccurate information about legal rights, it may be considered harassment.
Also, collection agencies are prohibited from disclosing a borrower’s debt to third parties, such as family members, friends, or employers, except in limited circumstances. It violates consumer rights if they publicly reveal or threaten to reveal a borrower’s debt.
Student Loan Collections: Protecting Your Consumer Rights with Legal Assistance
When facing potential harassment from student loan collections, it is crucial to understand and assert your consumer rights. Seeking legal assistance from a student loan attorney/student debt lawyer can help protect your rights and provide guidance in navigating the complexities of student loan collections.
- Assessment of Your Case
A student loan attorney will evaluate your situation, review your loan agreements, and assess whether the collection agency’s actions constitute harassment. They can help you understand your rights under federal and state laws governing debt collection practices.
- Education on Consumer Rights
A student loan attorney can educate you about consumer rights, including the Fair Debt Collection Practices Act (FDCPA) and other relevant laws. Understanding your rights empowers you to assert them and recognize when violations occur.
Seeking Assistance from a Consumer Protection Lawyer
Should you find yourself facing a lawsuit related to a student loan, seeking advice from a student loan attorney is essential. Your options might be broader than you initially think, even when confronted by formidable/threatening student loan debt collectors.
The legal experts and consumer protection lawyers at The Holland Law Firm have extensive experience in defending against student loan debt collection cases and initiating legal action against collectors who engage in debt collection abuse.
Similar to other collection cases, student loan matters can entail comparable violations involving influential entities exploiting ordinary consumers. Fortunately, protective measures are in place to aid you, and we are dedicated to helping guide you through the process.