Navigating Student Loan Challenges in Texas? We’re Here to Help.
Student loan debt can feel overwhelming and often comes with confusing terms, aggressive collection tactics, and frustrating errors. Cannon Legal PLLC is committed to providing Texas consumers with the legal support and guidance needed to address their student loan issues.
Whether you’re struggling with repayment, facing default, dealing with unfair collection practices, or suspect you’ve been targeted by a student loan scam, our experienced team can help you understand your rights and explore your options.
How Cannon Legal PLLC Can Help You
We offer comprehensive legal assistance to help you regain control of your financial future. We can assist you with:
- Understanding Your Rights: We’ll explain your protections under federal and Texas law, ensuring you know your options for repayment, forbearance, deferment, and loan discharge.
- Disputing Errors: We can help you identify and dispute inaccuracies on your loan statements and credit reports, working to correct any errors that may be harming your financial future. This can involve drafting dispute letters to loan servicers and guiding you through the process of disputing inaccuracies with credit bureaus.
- Combating Aggressive Collection: If you’re being harassed by debt collectors, we can step in to protect you from illegal and abusive tactics, potentially sending cease communication letters and pursuing legal action for violations of the FDCPA and TDCA when necessary.
- Exploring Repayment and Forgiveness Programs: We can help you navigate the complex landscape of federal repayment plans, including income-driven options, and assess your eligibility for loan forgiveness programs.
- Addressing Default and Collection Issues: We explain your rights related to default, including the right to notice and opportunities for rehabilitation or consolidation for federal loans.
- Identifying and Avoiding Scams: We’ll educate you on the red flags of student loan relief scams and provide guidance on reporting fraudulent activities to the Texas Attorney General and the FTC.
- Legal Representation: When necessary, we can provide strong legal representation in lawsuits against student loan servicers, lenders, or debt collectors for violations of state and federal consumer protection laws.
- Considering Bankruptcy: While student loan discharge in bankruptcy is challenging, we can explain your rights and options and refer you to experienced bankruptcy counsel if it’s the right path for you.
Texas Student Loan Debt Collection FAQ’s
If you are served with a lawsuit related to your student loan debt, it is crucial to respond to the lawsuit promptly. Failure to do so can result in a default judgment against you. Contact Cannon Legal PLLC immediately to discuss your case and understand your legal options and defenses.
In Texas, your wages cannot be garnished for private student loan debt without a court order due to state law. However, the federal government can administratively garnish wages for federal student loan debt that is in default, without a court order, after providing notice and an opportunity for a hearing.
You have the right to dispute errors on your student loan account by sending a written dispute letter to your loan servicer. Similarly, you can dispute inaccuracies on your credit report directly with the credit bureaus (Equifax, Experian, TransUnion). The servicer and credit bureau are then obligated to investigate and correct any verified errors. If the errors are not corrected, we can assist you in filing a complaint with the CFPB.
If you are being harassed by a student loan debt collector, you have the right to send a cease communication letter demanding they stop contacting you. Keep a record of all communications, and be aware that debt collectors are prohibited from using abusive tactics, making false threats, or contacting you at certain times or places. You can also file complaints with the Consumer Financial Protection Bureau (CFPB) and the Texas Attorney General and consider legal action for violations of the FDCPA and TDCA.
As a student loan borrower, you have numerous rights under federal and Texas law. These include the right to accurate information about your loan, the ability to apply for alternative repayment plans for federal loans, options for forbearance and deferment if eligible, and protection against wage garnishment for private student loans in Texas without a court order. You also have the right to dispute errors on your loan and credit reports and to be free from harassment by debt collectors.
Take the First Step: Contact Us Today
Don’t face your student loan challenges alone. At Cannon Legal PLLC, we understand the complexities of student loan debt and are dedicated to protecting your rights as a borrower.
Contact Cannon Legal PLLC today for a confidential consultation and let us help you find a path forward.
