We have defended more lawsuits brought by National Collegiate Student Loan Trust than any other firm in Georgia. We have represented borrowers in several hundred private loan lawsuits brought by not only the National Collegiate Student Loan Trusts, but also Educap, Inc., the Sallie Mae Corporation, United Guaranty, and others.
CREDIT REPORT ERRORS
If your student loan information is being reported inaccurately on your credit reports, please contact us.
We routinely represent student loan borrowers who are having trouble getting their credit reports corrected. Whether your balance information is incorrect or you have been the victim of identity theft or loan fraud, you have rights under the Fair Credit Reporting Act. To get a free copy of your credit report, use THIS FORM.
We receive calls everyday from student loan borrowers who are overwhelmed by their debt situations, but do not know where to find reliable answers. Very few lawyers deal with student loans on a daily basis. The regulations governing private student loans and federally backed student loans are radically different. If you are looking for answers with your private loans, federal loans, or a combination of both, you should speak with an attorney who specializes in non-bankruptcy solutions to student loans.
Chris Armor grew up in Birmingham, Alabama and Chattanooga, Tennessee before attending the University of Alabama for undergraduate studies and the University of Denver for law school. After graduation, he practiced law in Minnesota including helping run a legal aid clinic which specialized in defending consumers in debt collection lawsuits. Upon relocating to Atlanta, he worked for a firm which performed commercial collection work for one of the largest banks in America. Since launching his own firm in 2009, his practice now focuses on consumer rights.
Mr. Armor is a member of the National Association of Consumer Advocates and a frequent speaker on consumer law matters for both attorneys and the general public. He has been a featured expert on consumer rights on both The Clark Howard Show and HBO’s Last Week Tonight with John Oliver. He helped co-found a debt collection education clinic with Griffin Bell III and the DeKalb Volunteer Lawyers Foundation in Decatur, and he recently received a special recognition award for his volunteer work. He lives in the Atlanta area with his wife and three children.
ARE MY LOANS FEDERAL OR PRIVATE?
The first step in analyzing a borrower's options is to determine whether their student loans are federal or private. Federally backed student loans are guaranteed by the United States government. Federal loans include FFELP Stafford loans (both subsidized and unsubsidized), PLUS loans, Perkins loans, and Direct loans. If you are being contacted by collection agencies asking you to "rehabilitate" or "consolidate" your loans, you are most likely dealing with a federal loan. Also, if you have received a notice of an administrative wage garnishment attempting to garnish your paycheck even though you were never served with a lawsuit, you are dealing with a federal loan. If you have been served with a lawsuit or you have a co-signor on your loans, you are more than likely dealing with a private student loan.
It can be very confusing trying to figure out who owns your loans. Typically, both federal and student loan lenders will use third parties called "servicers" to handle the monthly billing of your loans. The nation's largest servicer is Navient (formerly Sallie Mae). They service both federal and private loans. When you go into default, typically another party called a collection agency may begin contacting you with phone calls or letters. To complicate things even further, your loans are likely sold between lenders or your servicer may change during the lifetime of your loan. It is not uncommon for you to be contacted by five or six different parties throughout the life of your loan if you are behind on your payments. What can you do to piece together the puzzle? Pull your credit report. Keep a folder of collection letters and monthly bills you receive. When you contact us, this information will help us analyze your situation and options in the most efficient manner.
ARMOR LAW, LLC
P.O. Box 451328
Atlanta, Georgia 31145
3530 Habersham at Northlake Road, Building C
Atlanta, GA 30084
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