Student loan collectors crossing the line?
Third-party collectors handling student loans must follow the same rules as any other collector. Scare tactics, inflated balances, and relentless calls can all be violations.
Common violations we see
- Threatening to garnish wages or seize tax refunds without authority
- Claiming you'll be arrested for unpaid student loans
- Adding fees or interest that aren't allowed
- Refusing to verify the debt when you ask
Fair Debt Collection Practices Act · 15 U.S.C. § 1692 et seq.
The Fair Debt Collection Practices Act (FDCPA) is a federal law that makes it illegal for debt collectors to harass, threaten, or deceive you. Georgia's Fair Business Practices Act adds further protection. If a collector broke these rules, you may be owed money — and they may have to pay your attorney's fees.
What happens next
1. You tell us what happened
Answer a few questions or send a short message. It takes minutes and it's completely confidential.
2. We review it for free
An attorney reviews your situation and we contact you — usually within one business day — to talk it through.
3. We take on the company, not you
If you have a case, we handle it. In most consumer-protection cases, the company pays our fees when we win.