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PO Box 9500
Wilkes Barre, PA 18773

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You should dispute any debt in writing if you feel as if the dollar amount being requested is inaccurate, if you feel the debt is not owed at all, or if you feel the debt is fraudulent.

If a past due Navient account is with a collection agency, you can send a letter to that collection agency within thirty days of first being notified of the collection. You should send such a letter via certified mail so that you can prove that they received it. In response to your dispute, the collection agency must cease collection activity until they send you some sort of validation or proof of the alleged debt. They can resume their collection efforts again once they produce proof of your debt.

The Fair Debt Collection Practices Act (“FDCPA”) regulates what debt collection agencies may and may not do. Collection agencies may not:

  • use abusive or obscene language;
  • call before 8am or after 9pm;
  • call you at work, if they know that your employer does not permit personal calls;
  • contact any third party and state that you owe a debt.

    The Fair Credit Reporting Act (“FCRA”) regulates the credit bureaus’ responsibilities as to your credit report. There are many things credit bureaus are required to do as it pertains to their credit reporting. Credit Bureaus must:

  • report accurately;
  • conduct a reasonable investigation of any dispute you make with them as to inaccurate credit reporting;
  • clearly mark any trade line disputed by you as disputed by the consumer.

    Your best option is to consult with a consumer protection attorney if you believe your rights are being violated.


    1. Ashley F. Campbell on April 29, 2020 at 3:53 pm

      I defaulted on a $15000.00 Student loan around 2011. I entered into an agreement to resolve the issue by paying $10,000. I made payments in the agreed amount but some of the payments were not applied to the account in default. Navient took the agreed upon $10,000 and now state that since the account in question was not paid the agreed upon sum that I am now still accountable for the full sum plus interest. I have contacted them on three occasions and was told that it was being looked into. I have now received another letter from a collection agency offering a settlement of $3,750 for a loan that was supposedly resolved through my payment of the initial $10,000 that was paid.

    2. Los Osos IGoDating on November 9, 2020 at 2:52 pm

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    Vullings Law Group, LLC d/b/a VullingsLaw is not responsible for the content of the consumer comments provided here.  Vullings Law neither supports nor provides any opinion as to the statements made herein.