Student loans sent to collections after no contact?
October 15, 2013 9:53 AM Subscribe
My friend thought the money she owed a university was being taken care of by her current payments. This weekend someone in her family gets a call from debt collectors. Apparently the financial aid office has been sitting on a lump of debt for a full year, but has only
attempted to contact her during that time at a single email address, her old school one. They never sent any letters to her home address, nor called her at the number she's had for years. Now instead of setting up a payment plan she'll have to negotiate with a predatory collections agency. Is there any way out of this mess?
posted by BlackLeotardFront to work & money (16 answers total) 1 user marked this as a favorite
I ask because it seems like they failed in their basic responsibility as a creditor to contact the debtor by any means at hand, like a home address or phone number. It's not possible they don't have these things, since a loan couldn't be issued without such critical information. They seem at fault, but are they only at fault ethically here, or does my friend have some ground to stand on if she tells them to call off the collectors and work with her directly?