Chase stops consolidating school loans


11-Jan-2018 05:40

chase stops consolidating school loans-88

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The Fair Debt Collection Practices Act (FDCPA) and Fair Credit Billing Act (FCBA) are part of the Consumer Credit Protection Act, which outlines what is accepted and prohibited behavior from debt collectors.This legislation also stipulates the rights and remedies afforded to consumers who are subject to debt collection efforts.It’s unlikely collection agencies will share any of that during their phone calls to you, so here is a summary of 10 rules they would rather you didn’t know.If you do not want to deal with debt collectors on the phone, there is an easy exit door available: Send them a cease-and-desist letter by certified mail that says you no longer want to be contacted by them.If you make a payment or agree to a repayment plan, you could restart the clock on the statute of limitations.If you are not sure whether the statute of limitations applies in your case – the rules vary from state-to-state – simply ask the collection agency if your debt is “time-barred” meaning the statute of limitations has run out.They can be just as aggressive in trying to collect debts you don’t owe, yet some people still pay, just to avoid any more contact with the debt collection agency. One avenue to explore before defaulting on payments – and inviting debt collection agencies to chase you down – is to consider using one of the methods available in a debt consolidation plan.There are three types of debt consolidation plans: A Debt Management Program; a Debt Consolidation Loan; and a Debt Settlement Plan.

The situation grew so ugly that the federal government had to step in and pass laws to protect consumers.Each is designed to help consumers cope with overwhelming debt from credit cards, home, auto and student loans.The first step for any of the plans is to contact a credit counseling agency, preferably a non-profit company, which will go over your income and expenses and advise you whether any of the plans will work to eliminate your debt.That doesn’t mean they won’t still try to collect the debt. They could attempt to settle it through the courts so check the mail for a summons or court notice.

If you have an attorney, refer all calls and mail to your lawyer.Some forms of debt – student loans and medical debt especially – are shooting up so fast that many consumers aren’t even aware they are behind until they receive a call from a collection agency.



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