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For your federal student loan debts – debt consolidation is your answer. All of your federal student loans can be paid off in full – within the next 90-days – leaving you with an affordable monthly payment. For federal student loan consolidation visit this page now, or simply call 1-866-376-9846 where a free consultation will be provided, and all of your student loan questions can be answered.
Are you looking to consolidate your private student loans?
Government private student loan consolidation does not exist, but you can either settle your private student loans or use debt validation to assist you with this type of debt.
What is the best private student loan relief program if I am behind on payments?
According to Golden Financial Services, debt validation is a good starting point. Debt validation may be your least expensive route.
If you don’t qualify for debt validation, we may be able to settle your private student loan debts for less than the full amount owed. Our debt settlement program has helped thousand’s of consumers over the last decade.
Learn more about debt settlement services.
What is a debt validation service & how exactly can this program be used to assist me with private student loan debt?
A debt validation program will force private student loan debt collection companies to prove the alleged debt is valid, verifiable, and collectible.
– A debt validation program uses federal laws including the Fair Debt Collection Practices Act, the Fair Credit Reporting Act and several other federal statutes that you can read about here.
Debt validation forces the debt collection companies to prove they are:
A. Abiding by laws that govern debt collection companies. Find a summary of these debt validation rules here.
B. Maintaining accurate accounting records.
C. Able to produce complete documentation necessary to verify and validate the alleged debts. Did you know that the major banks, at times, will knowingly sell debt with missing and inaccurate records? They simply sell these debts at a reduced price (sometimes as low as 5 cents on the dollar), knowing that if challenged, the third-party debt collection company may lose money due to the debt being legally uncollectible.
D. Licensed to collect on debt; If they can’t provide their license, the debt becomes legally uncollectible, meaning – you don’t have to pay it! In many instances, the debt collection companies can’t produce their license to collect on debt in a particular state. Why? Because they are operating illegally.
Private Student Loan Debt Collection Companies must provide validation, verification, and proof of their legal authority to collect money from you over an alleged debt. It is hard to believe, but often they can’t!
If they can’t provide all of the law abiding requested and required items and documentation, the debt becomes uncollectible.
What is an uncollectible debt?
An uncollectible debt is one that you don’t have to pay – this is the goal of a debt validation program.
What if my debt gets validated and proven to be a collectible debt?
You pay no fees to the debt validation company unless results get achieved. Debt settlement will be the next best solution for us to use to resolve your private student loan debt.
What about private student loan forgiveness options?
The closest alternative to private student loan forgiveness would be settling a debt through a debt settlement service. Private student loan debt will qualify for debt settlement. Student loan forgiveness options are available for federal student loans through the government, but only after consolidating and making a certain number of qualified payments.
Learn more about debt settlement services on this next page.