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Expert: John Hall - 6/22/2006


Question
II receiver a letter from a collection agency stating that I owed more than $10,000 on a student loan.  I had consolidated all my loans, so I thought, years ago, so I asked for verification of the loan and an invoice breaking down the claimed amount.  They absolutely refuse to put any invoice in writing.  They said they would tell me over the phone but they are not allowed to put it in writing. Why cant I get this document?  

Answer
Whoever told you that is "mistaken".   Call me and I can explain how hyou can get them to respond.  I am not going to chafge you.  It is just easier than thyping it all out.  Call me on my cell.  661  492-2673   And in the meantime, don't worry to much about this.  In fact, it is not completely a negative that this student loan debt was turned over to a collection agency - that gives you more options than you would have had dealing with the government directly.

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John Hall

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Law school graduate, Juris Doctorate (J.D.) Degree; Over 25 years of experience throughout the United States in bankruptcy law matters (Chapters 7, 11, and 13 of the United States Bankruptcy Code) primarily representing individual debtors with consumer debt or small businesses; Experience has included all aspects of debtor/creditor relations.

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FREE BANKRUPTCY HELP. If you are being sued, if your home is being foreclosed, or if you are being harassed by bill collectors, filing for bankruptcy may be a quick and inexpensive solution.. The mere filing of a bankruptcy will operate as a federal court order (it is called an automatic stay) to stop all bill collection efforts, including lawsuits that are pending or ongoing. Bankruptcy is a legitimate way to meet your problems with debt head-on. The bankruptcy law is designed to give you a second chance to make a new start without the psychological and financial burden of pressing debts that you are unable to pay. Depending on what state you live in and what your assets are, it is very unlikely that you are going to have to lose anything if you file for bankruptcy, and this is something that you can do immediately without having to pay the $500 to $1,500 attorney fees that most attorneys charge. Also, you might be surprised that you can file for bankruptcy and that it will not have the devastating effect on your credit that most bill collectors describe. Life is too short to have all this anxiety over losing your car through repossession, getting evicted from your home, or losing your home through foreclosure. Bankruptcy law was designed to give you a second chance. I will not charge you just to talk on the phone. Call me at 432 853-5711, or send me an email at j_h14@hotmail.com with your telephone number, and I will call you back.

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