Consolidating student loans with the federal government router and validating identity

The FDCPA does not cover debts incurred in running a business.

Within five days after a debt collector first contacts you, the collector must send you a written notice that tells you the name of the creditor, how much you owe, and what action to take if you believe you do not owe the money.

This includes money owed on personal credit card accounts, auto loans, medical bills, and mortgages.Today we will look at these options for private loans and for federal loans.Nelnet is one of the biggest federal loan servicers.As federal courts have exclusive jurisdiction over bankruptcy laws, cases must be filed in federal bankruptcy court.If you have student loans with Nelnet and want to consolidate them, the process can seem a bit overwhelming.If you see your Nelnet loans on the list, you can be certain they are federal.There are two approaches to consolidating your federal student loans.You can find free or low-cost credit counseling options at: Under the provisions of the Servicemembers Civil Relief Act (SCRA), you may qualify for a reduced interest rate on mortgage payments or credit card debt, protection from eviction, or a delay of all civil court actions, such as bankruptcy, foreclosure, or divorce proceedings.To find out if you qualify, contact your local Armed Forces Legal Assistance office.If you are unable to make payments on time, you could lose your home.To decide if debt consolidation is right for you, contact a credit counseling service accredited with either of these organizations: If you have a problem with a lender concerning debt consolidation, you should first contact the lender.

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