If a CA got a judgement against me for a "Private student loan"

I answered this question yesterday too...they will not be able to garnish you since you live in PA. They will have the ability to freeze bank accounts (if you have one) and lien property.

Curious why do regular collection practices and laws not apply to student loans that are in the hands of a CA?

Can you quote or link me some information that discerns between the two?

FDCPA applies to student loan CA's too. What other collection practices are you referring too?

Ok so since it does. They have to notify me in writing within 30 days of the initial communication correct?

They have to provide written proof upon my request correct?

Yup. Do they have your correct address?

Written proof with consist of your prom note.

and don't send anything and/or call. just inquire in my CR

They verified my address on the phone.

I think this is the part I am missing..

I asked the gentlemen to verify my debt on the phone by sending me something.

After reading the FCDPA it is clear that I MUST send something in writing to receive something back

I just overall think it's stange

Why are you asking for verification?? You know you owe the debt?

With private student loans, asking for verification especially after you have been making payments on could wind you up in court really quick. It is considered a stall.

Because i want to know my payment history. I used to make payments over the phone and they sent me nothing. After that how am I supposed to know where my money went.

Because they didn't send me, call me anything in 5 months then out of the blue start making inquiries. I don't like making payments over the phone as this company ARROW has been known to illegally debit accounts.

Also, I would like to know if they actually have the debt or say they do and are making illegal collection inquiries since they have sent me nothing. Who knows where my money is going.



Good job

If you have no payment history since Arrow picked it up, then you have no payment history to be sent! Arrow is not responsible for providing you a payment history made to another servicer.

You keep asking the same questions over and over again.