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If your federal student loan debt is in default and your wages are currently being garnished or about to be garnished.

There is a solution to get your student loan to a balance of $0.00. And it's NOT loan forgiveness or a repayment plan.

Lenders generally only garnish wages after they’ve tried to collect using other approaches. You’ll get plenty of mail informing you that you are in default.

It’s always best to stay in communication with lenders, even if you can’t send money. At least you’ll know what to expect and what your options are.

This page covers federal student loans.

The Collection Letter

Before garnishment actually starts, the debt collector for Department of Education must notify you of the intent to garnish your wages. You’ll get a letter at least 30 days ahead of time which provides important details. If you get a notice of intent:

Read the letter as soon as possible – you need to act quickly with our ULTIMATE STUDENT LOAN LETTER PACK to prevent garnishment from starting and bring your Student Loan to $0.00

The first letter is a 30-day DEBT COLLECTOR DISCLOSURE STATEMENT.

This letter is sent Certified Mail-Return Receipt; it is a five page letter with 22 questions that they will never be able to answer; fact is we know they can't!

This is the opening statement.

"This Debt Collector Disclosure Statement must be completed in accordance with the Fair Debt Collection Practices Act, 15 USC �1692g, Title VIII Debt Collection Practices; Rosenthal Debt Collection Practices Act ("Rosenthal Act" or "RFDCPA"), New York Codes, Civil Code Sec. 1788-1688-3; � 809 of the Federal Trade Commission, applicable portions of Truth in Lending (Regulation Z)12 C.F.R. 226, and Rule 13a-15(e) under the Securities Act of 1934, as amended (the "Exchange Act"); commands as cited above a DEBT COLLECTOR DISCLOSURE STATEMENT. The Debt Collector(s) must make all required disclosures clearly and conspicuously in writing regarding the following:"

This usually does the trick, you see, the student loan is NOT a loan, they DON'T loan money! They cannot validate the so-called loan.

They cannot validate the debt; they cannot answer questions like these:

i.e.

7. Regarding this alleged account, if Debt Collector is different from Original Creditor, does Debt Collector have a bona fide affidavit of assignment to enter into alleged original contract between Original Creditor and alleged Debtor? YES NO

8. Did alleged Debt Collector purchase this alleged account from the Original Creditor? YES NO

9. If applicable, date of purchase of this alleged account from Original Creditor, and purchase amount: Date: Amount: $_____________________

10. Did Debt Collector purchase this alleged account from a previous debt collector? YES NO

When they do not respond after 30-days we send another letter giving them 15 days to respond. So after 45 days they never respond properly alleged Debt Collector tacitly agrees that "alleged Debt Collector waives all claims against consumer and indemnifies and holds consumer harmless against any and all costs and fees heretofore and hereafter incurred and related regarding any and all collection attempts involving the hereinabove-referenced alleged account."

Your Credit Report

Next we have a look at your credit report and find your loans are in collections and dispute these reports.

We send them copies of the 30-day and the 15-day DEBT COLLECTOR DISCLOSURE STATEMENT letters with proof of service (USPS domestic receipt) and by law Credit Reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.

Once the CRA's remove the unverifiable information (they send you confirmation letters) we take the whole package; the 30-day (DCDS) letter; 15-day (DCDS) letter; CRA dispute letters and CRA confirmation letters with all the proofs of service and send it off to the Department of Education and they will review it and find it unverifiable and your student loan loan is $0.00   

Evidence of student loan discharge

See: Collection Agencies and Your Rights

If you do nothing, the federal government can simply start taking 15% of your pay each pay period until the loan is paid off using Administrative Wage Garnishment.

We cover these related items: federal student aid, loan forgiveness, federal loans, stop the garnishment, loan forgiveness, student loan debt, student loans, federal student loan wage garnishment, student loans, federal student loan.

tags> financial aid, private student, private student loans, repayment plans, direct loans, unsubsidized loans.

 

To stop wage garnishment and make your loan balance $0.00 Contact Us

 

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