Private Student Loan Disputes
Servicing, default, collection, and credit-reporting disputes on private loans.
Overview
Private student loans sit outside the federal student-aid system and carry far fewer of its built-in protections. They are governed largely by the loan contract and by consumer-protection law, and disputes arise over servicing and billing errors, default and acceleration, aggressive collection, negative credit reporting, and cosigner liability.
I help borrowers and cosigners respond — disputing inaccurate balances and credit reporting, defending collection lawsuits, scrutinizing the holder’s documentation and standing to sue, and evaluating the limited and demanding path to discharging a private loan in bankruptcy. Like the rest of this work, it is intensely fact-specific, and the right strategy depends on the loan, the servicer, and your circumstances.
What I can help with
- Reviewing the loan, the servicer’s records, and the payment history
- Disputing billing errors and inaccurate credit reporting
- Defending private-loan collection lawsuits
- Testing the holder’s documentation and standing to sue
- Evaluating cosigner liability and release options
- Assessing the heightened standard for bankruptcy discharge
This is general information about the matters I handle and the law that applies to them. It is not legal advice about your situation, and the law in this area can change. For advice on your matter, start with the Full Read + Game Plan — your entire file read, straight answers, and exactly what to do next, in what order.
Further reading
Facing this now?
Deadlines in these matters are often short. Reach out for a confidential consultation about your situation.