Minnesota Student Loan Debt Harassment Attorney
Are you being harassed by student loan debt collectors?
We can help.
We understand that you were pursuing the American Dream by financing your education through student loans, and had every intention of paying them back after you completed your schooling.
Yet you found yourself in a tough spot and fell behind and defaulted on your repayments.
Maybe it was because your school made false promises about post-graduate employment opportunities. Maybe it was because you realized midway through your course of study that the program wasn’t the right fit for you. Maybe you found a decent job but got downsized or outsourced. Or maybe you or a family member suffered an unforeseen calamity.
Whatever the case, like millions of other Americans saddled with over a trillion dollars of student loan debt, you fell behind. And now the student loan debt collectors won’t leave you alone.
We can make the harassment stop.
As an added bonus, the law entitles you to monetary compensation to hold debt collectors accountable for harassing you.
A federal law called the Fair Debt Collection Practices Act (FDCPA) makes it illegal for student loan debt collectors to engage in abusive, deceptive, and unfair debt collection practices. If a student loan debt collector violates the FDCPA, the law requires them to cease their illegal contacts with you, and to pay you a monetary penalty for violating your rights.
Student loan debt collectors–even ones attempting to collect federal student loans–violate the FDCPA if they do any of the following things:
- Call you repeatedly, even if you do not answer the phone
- Call you before 8:00 AM or after 9:00 PM
- Call your workplace
- Threaten you with violence
- Call you, but not announce who they are
- Disclose information about your debts to third parties (including friends, family, neighbors, and co-workers)
- Use abusive language, including profanity and racial slurs
- Contact you after you send written notification that you do not want to be contacted
- Claim to be affiliated with any governmental organization
- Misrepresent the character, amount or legal status of a debt
- Threaten to sue you or garnish your bank account or wages when they have no intention to do so
- Threaten or communicate false credit information
- Use deceptive methods to collect debts
- Tell you that you can be arrested or go to jail if you don’t pay the debt
- Threaten to garnish wages without following the proper procedures
- Threaten to take federal benefits, including tax refunds and social security benefits, without following the proper procedures
- Misstate what is necessary to “rehabilitate” federal student loans
- Misstate the option to consolidate federal student loans in order to remove them from default status
- Lie about what will happen with credit reporting when a loan is rehabilitated
- Tell you that bankruptcy discharge is never available for student loans
- Tell you that you are never able to cancel student loans due to disability, school closings, etc.
- Otherwise harass or abuse you
If a student loan debt collector violates the Fair Debt Collection Practices Act, the law entitles you to at least $1,000, and the debt collector must pay your attorney fees and reimburse any costs incurred enforcing your rights. In some cases, we can even negotiate partial or complete debt forgiveness.
Contact our firm if you believe a student loan debt collector may have violated your rights under the Fair Debt Collection Practices Act. If they did, we can make the abuse stop, negotiate compensation, and sue the debt collector and represent you in court, if necessary.
We take most cases on a contingent fee basis, which means you owe our firm nothing unless we are able to recover compensation for you.
Click here to request a free case evaluation.