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hey folks my name is Sergei Lemberg, I'm consumer lawyer specializing in fedex
collection cases we've helped thousands of people fed a collection cases and we
can help use while
if your rights have been violated when i walked up to you about today
as five things you need to know about student loan debt collection
student loans
the first thing you need to know about student loans
as the federal laws that govern fair debt collection practices
apply it to student loans
that's right student loans are now that front
than any other type of death when in comes the fair debt collection violation
thing number two
when debt collectors are collected student loans
they can threaten
they can't mislaid they can't cheat they can harass or abuse you in any way these
laws dont change anything with respect to student loans harassment abuse of any
kind this prosecutable as illegal
thing number three oh have to know is that student loans
different from other type of that
because they're not discharge of all in bankruptcy for the most part
student loans cannot be discharged in bankruptcy
now there's some exceptions to that but the general rule is that they can be
discharged
that means the debt collectors have a lot more leverage collecting these death
because they know
that they can't make them go away
the fourth
thing you have to know about student loan debt collection
is that it's possible for your wages to be going to ask
as possible for your tax returns to get taken away debt collectors don't need to
do that much to exercise these remedies now normally in a regular situation
where you have dad that collect a sample sue you near the judgment before they
can execute on my judgment and take away your money in bank accounts of pay not
so with student loans
student loans all they have to do is issuing order
and band
they proceed to exercise their posters were remedies
thing number five is that not so fast
just because these loans can be discharged in bankruptcy
doesn't mean that these people can make all kinds of threats to you no they
can't they only threats they can make us threats that they can actually execute
now frequently was too long cases where situations where a debt collector will
say well we're gonna see should tax returns are we gonna sees your your pale
garcia pay well an actuality they may not be able to do it right away they may
have to jump through certain hoops in order to get to and garnishment yumi
have to have worked at your place of work for more than a year to have your
wages garnished it's important to have your situation evaluated by a lawyer if
you have a question about whether the rights have been violated
we student loan debt collection
give us a call we may be able to help
don just assume because the debt collectors call you in the student loan
they can harass or abuse you
don't take it on the chin cost today