Private Student Loan Defense Attorney Representing Maryland Borrowers

At the Holland Law Firm, our team represents consumers facing unfair treatment by lenders, servicers, debt collectors, and financial institutions, including servicers of private student loans.

You probably don’t need a student loan attorney to tell you that the whole student loan debt collection system can be a broken mess. Private student loan debt collectors often file assembly line lawsuits, and you need someone to stand by your side if you find yourself the target of one of these suits.

You may have more options than you think, even up against powerful private student loan lenders and debt collectors.

For over 20 years we have helped victims of wrongful debt collection, wrongful credit reporting, wrongful repossessions, and other scams. When a private student loan collector is abusing you, you have rights. We sue debt collectors to hold them accountable.

Connect With Us







    By providing your phone number, you consent to receive automated informational/conversational SMS communications from Lawmatics on behalf of Holland Law Firm PC. Consent is not a condition of service. Message & data rates may apply and frequency will vary. Reply STOP to unsubscribe. Text HELP for help. Privacy Policy  •  Terms of Use













    Please Monitor Your Spam Folder For Followup Emails From Us

    Common Student Loan Defense Issues

    One of the leading studies of the industry is called Going to School on Robo-signing: How to Help Borrowers and Stop the Abuses in Private Student Loan Collection Cases. It’s worth reading, and it touches on some of the issues regarding student loans. Other common issues include:

    illustration showing a rectangle and arrows going around it

    Servicing Errors and Misapplied Payments

    Debts that were never yours, files mixed with another consumer’s information, and accounts connected to identity theft can all damage your credit and lead to collection activity for debts you never incurred.

    illustration of hand chained to a dollar sign

    Aggressive Collection and Default

    Borrowers in default often face wage garnishment threats, tax refund interception, repeated collection calls, or lawsuits on private student loans. In many cases, the balances being pursued include inaccurate fees and costs that cannot be properly supported.

    illustration of document with a checkmark and an X on it

    Misleading Repayment and Forgiveness Information

    Borrowers are routinely given wrong information about repayment plans, consolidation, or forgiveness eligibility. Some third-party companies charge large upfront fees for services borrowers can access for free through federal programs. These deceptive practices leave borrowers worse off than before.

    illustration showing a document and a circle

    Credit Reporting Errors

    Inaccurate delinquency reports, duplicate accounts, and wrong balances damage credit scores and block financial opportunities. Borrowers often dispute these errors for months or years with no meaningful correction from servicers or credit bureaus.

    Your Legal Protections

    Federal consumer protection laws and Maryland statutes protect borrowers from deceptive, unfair, and abusive conduct by servicers, lenders, and collectors. Borrowers have rights involving account accuracy, debt validation, dispute procedures, and protections against misleading representations.
    In many situations, borrowers may challenge improper collection activity, dispute inaccurate balances, seek correction of reporting errors, or recover damages caused by unlawful conduct. Defenses may also involve identity theft, unauthorized loans, inaccurate repayment records, bankruptcy-related disputes, or expired statutes of limitations.

    Our Process

    man looking at phone and laptop

    1. Initial Contact

    Fill out our contact form, providing basic information about your case and including your contact details.

    closeup of man's hands as he looks at phone

    2. Review

    We review the information you submitted to determine if we can assist with your legal issue.

    closeup of typing hands with icons floating for illustrative purposes

    3. Request for Additional Information

    If we believe we can help, we’ll request more details and offer a paid consultation. If we cannot help, we’ll email you with links to relevant legal resources.

    shaking hands business meeting

    4. Paid Consultation

    If you proceed, a 45-minute consultation will be scheduled to discuss the facts and assess your legal options. We will email you a consultation agreement.

    illustrative photo and graphic that has a man's hand held out with icons for the scales of justice and other legal symbols floating

    5. Decision Making

    After the consultation, we’ll collaborate to decide whether hiring us is the right course of action.

    person tapping floating document icon with other icons for illustrative purposes

    6. If We Can’t Assist After the Consultation

    If we determine we can’t assist, we’ll provide you with information about other legal resources.

    Why Hire One of Our Attorneys?

    Student loan defense cases involve complicated financial records, servicing histories, repayment programs, and collection procedures. Private loan servicers and debt collectors rely on complex systems that are difficult to challenge alone. Borrowers benefit from attorneys who understand:

    • Federal consumer protection statutes
    • Private student loan servicing practices
    • Debt collection laws
    • Credit reporting disputes
    • Private student loan litigation
    • Litigation strategy against lenders and collection agencies

    Let’s talk it over and build a case together.

    boat in Annapolis, Maryland
    What our clients say. We’re proud to stand with consumers who are being treated unfairly, and we appreciate our clients sharing the experiences they’ve had working with us.