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Most loans can be discharged in the following situations: "Circumstances beyond the borrower's control" do not include things like having to drop out of college before graduation or inability to find a job after graduation.

However, there is a possibility that they could include a school using illegal recruiting tactics – for example, guaranteeing the student a well-paid career. Department of Education promised debt relief to students of the bankrupt for-profit Corinthian Colleges schools (click here for more information on how to apply).

They cannot call you directly if they know you are being represented by an attorney, and they cannot call you at work if they know your employer prohibits such calls.

My collection agency does everything it is not supposed to do. Yes, you can sue a collection agency, but a better first step might be to use the provisions of the FDCP to warn your collection agency that it is acting in defiance of the law.

Many states require debt consolidation services to undergo licensing and accreditation before their debt counselors and consolidators can work.

Requirements vary depending on the type of loan, but most offer forgiveness for those employed in certain public-service occupations.

What you should do is write a letter telling the collection agency to stay away from you, to leave you alone, and to cease all communications with you.

In this letter, inform the collection agency that under provision 15 of the U. Code, section 1692c, this letter constitutes your formal notice to stop all future communications with you except for the reasons specifically set forth in the federal law. If you can prove continued harassment, the collection agency is open to a lawsuit - one you could win if you have the proper documentation or proof. Include in your letter as many details as possible.

To attack your debt effectively, use the following strategies.

A debt consolidation business can often require very little in startup costs, but a profitable service can yield an income up to six figures each year.


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