Normally, being harassed and sued by debt collectors isn’t a pleasant experience.
But if you’re buried under private student loans you can’t repay, being sued may actually be a good thing—if you handle the situation in the right way.
Phones are open 24/7
Cleveland #216-208-5851
Columbus #877-475-8100
Cincinnati #513-951-7124
New Jersey/New York
#201-355-3440
Toll-free for all offices:
877-475-8100
Nosotros hablamos español. Para contactarnos, por favor llame al 877-515-5583 o envíenos un correo electrónico a [email protected]
Before you call, here are some things you need to know:
Got it?
Good.
-Don’t confuse a letter from a court saying you’re being sued with a letter from a collection agency threatening to sue. The letter from court means the lender’s pulled the trigger and the clock is running.
-Do yourself a favor: open all the letters you receive from court and do what they say to do when they say to do it. When you receive the first letter notifying you that a suit has been filed you’ll have only 28 days to respond. Don’t wait until the last day. Take our word for it, we learned this in law school, the deadline to respond is not a suggestion, it’s a deadline, as in miss it and your ability to fight the suit is dead.
-Here’s a little secret: companies like NCT count on the fact that most borrowers are going to ignore letters from court. This makes them very happy. Try really hard to not make them happy.
-Don’t live down to your lender’s expectations. If you do a judge will issue a default judgment against you. You really don’t want this to happen. If it does, it’s game over. Your lender will have the legal right to dig into your pockets for years and believe us, that’s not where you want them to be. One other thing, the judgment won’t just be for the money you owe on your loan, it may well include interest, court costs and other charges.
-The holder of your private loans waited too long to sue you.
-You were the victim of identity theft and never agreed to pay the debt.
-You paid what you owed on the loan, but the loan holder failed to credit your account.
-The loan holder is suing you for more than you agreed to pay on the debt.
-You were unable to finish your program of education because your school closed, or you qualify for another type of loan cancellation.
And here’s something else: as we investigate your case we may discover that your lender or a debt collector violated the consumer protection laws in the course of trying to get you to pay. If they did, we’ll sue them and if we’re successful you’ll get some cash.
SWEET!
There is, however, one thing we can guarantee: if you ignore the fact that your private student loan lender or a debt buyer has filed suit against you the situation is only going to get worse.
At the very least, give Atty. Emily White a call at 614-705-0107 or shoot her an email at [email protected]. Her office hours are 9:00 AM to 1: 00 PM EST, Monday through Friday. She’ll be happy to talk to you so we can figure out if we can make things better.
Remember, calling or emailing won’t cost you a dime.
Guaranteed.
Cleveland, Ohio 44107
Phone:
216-294-3226
Phone:
877-475-8100
Milford, Ohio 45150
Phone:
513-951-7124
Suite 101
North Brunswick, NJ 08902
Phone:
201-355-3440
Phone:
15000 Madison Avenue
Cleveland, Ohio 44107
Phone: 216-294-3226
or toll-free 877-475-8100
25 North Street
Dublin, Ohio 43017
Toll-free: 877-475-8100
220 Mill Street
Milford, Ohio 45150
Office hours by appointment
in Hyde Park & Mason
Phone: 513-951-7124
or toll-free 877-475-8100
1520 Highway 130, Suite 101
North Brunswick, New Jersey 08902
Phone: 201-355-3440
or toll-free 877-475-8100
26100 Town Centre Drive
Foothill Ranch, CA 92610
Phone: 213-320-5706
or toll-free 877-475-8100