{"id":368917,"date":"2023-01-27T12:36:35","date_gmt":"2023-01-27T17:36:35","guid":{"rendered":"https:\/\/content.findlaw-admin.com\/ability-law\/litigation\/filing-a-lawsuit\/can-i-sue-my-education-loan-company-for-harassment.html"},"modified":"2023-01-27T12:54:11","modified_gmt":"2023-01-27T17:54:11","slug":"can-i-sue-my-education-loan-company-for-harassment","status":"publish","type":"page","link":"https:\/\/www.findlaw.com\/litigation\/filing-a-lawsuit\/can-i-sue-my-education-loan-company-for-harassment.html","title":{"rendered":"Can I Sue My Education Loan Company for Harassment?"},"content":{"rendered":"\n
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Can I Sue My Education Loan Company for Harassment?<\/h1>\n
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\n By Robert Rafii, Esq.<\/a> | Legally reviewed by Steven Ellison, Esq.<\/a>\n | Last updated\n
\n \n <\/i>\n Legally Reviewed\n <\/summary>\n\n
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This article has been written and reviewed for legal accuracy, clarity, and style by FindLaw\u2019s team of legal writers and attorneys<\/a> and in accordance with our editorial standards<\/a>.<\/em><\/p>\n\n <\/div>\n <\/details>\n\n

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The last updated date refers to the last time this article was reviewed by FindLaw or one of our contributing authors<\/a>. We make every effort to keep our articles updated. For information regarding a specific legal issue affecting you, please contact an attorney in your area<\/a>.<\/em><\/p>\n\n <\/div>\n <\/details>\n<\/section>\n

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Yes, student loan debt collectors are prohibited from harassing borrowers under the Fair Debt Collection Practices Act (FDCPA). If you’re being harassed, you can file a complaint with the Consumer Financial Protection Bureau or sue the collector in court. <\/p>\n\n <\/div>\n\n

Under the Fair Debt Collection Practices Act (FDCPA), it is illegal under federal law for student loan debt collectors to harass student loan borrowers in connection with loan repayment.<\/p>\r\n

Formerly administered by the Federal Trade Commission (FTC)<\/a>, the FDCPA is presently enforced by the Consumer Financial Protection Bureau (CFPB)<\/a>. Alongside the FDCPA, the Fair Credit Reporting Act (FCRA) requires collection agencies to inform credit reporting companies in the event a student disputes owing money or disputes being late on their educational loan payments.<\/p>\r\n

To pursue a lender for collection harassment related to your private student loans or federal student loans, you can either file a complaint with the CFPB or a private lawsuit in state or federal court. Many state attorneys general also provide online complaint forms to report offending loan lenders and student loan servicers.<\/p>\r\n

Managing student loan debt is overwhelming on its own, even without the stress of abusive debt collection practices. If you’re unsure where to start, legal help is available. A consumer protection attorney<\/a> can help you stop the harassment and potentially recover damages.<\/p>\r\n

How an Attorney Can Help if You’re Struggling With Student Loan Debt<\/h2>\r\n

It is not uncommon to experience a student loan default or struggle to make your student loan payments. If this is true for you, a consumer protection attorney<\/a> can give you legal advice regarding an aggressive creditor who won’t leave you alone. One major benefit to hiring a lawyer is that the FDCPA requires debt collectors to immediately cease all communications with you. They must talk directly to your legal representative instead.<\/p>\r\n

An experienced attorney can also:<\/p>\r\n