Is harassing you over student loan debt? You are protected under various state and federal laws. For example, you have rights under the Telephone Consumer Protection Act (TCPA), the Electronic Fund Transfer Act (EFTA), and the Fair Credit Reporting Act (FCRA).
The TCPA has been around since 1991 and protects people from unwanted solicitation calls, robocalls, faxes, and text messages. Under the TCPA, you may receive between $500 and $1,500 for each illegal robocall, text, and fax.
The EFTA was established in 1978 and works to protect consumers who use electronic methods of managing finances. Under the EFTA, written permission must be given in order for a company to take an electronic payment from your bank account.
The FCRA was established in 1970 and protects the information in your credit report, among other things. If your credit report contains inaccurate information, the FCRA gives you leverage and rights to dispute the inaccurate information in your credit report.
With student loan companies, finding a repayment plan that fits your budget is the goal. There are several options including:
Standard repayment plan
Graduated repayment plan
Pay as you earn (PAYE program)
Extended repayment plan
is doing business as ACS Education Services for student loans. The company provides collections for loans based on campus, private education loans and those loans that were provided by the Federal Family Education Loan Program. The company is located at PO Box 371384, Pittsburgh PA 15250. Xerox was managing over two million federal loans from banks like Wells Fargo and JPMorgan Chase, and due to the number of complaints, the company is being federally investigated. The issue includes the company overcharging some borrowers as early as 2006 and never reporting this. The company did have a contract with the Department of Education to handle loans, however, this contract was not renewed due to the government finding that the company mishandled loans.According to Public Access to Court Electronic Records, has been involved in 16 consumer complaint cases. The last case to be closed was in April of 2016 and it was opened in May of 2015.The Better Business Bureau does not accredit , and they do give the business a B- rating. In the past three years, 39 complaints have been closed with the business. The majority of these complaints were dealing with billing and collection issues.
Phone numbers associated with are:
800-397-8386, 315-738-2278, 800-835-4611, 800-826-4470You are protected under several state and federal laws when dealing with doing business as ACS Education Services. Whether it is robocalls or text messages, credit report errors, or unauthorized electronic payments from your bank account, you have rights under the law. Under various state and federal laws, we will help you based on a fee-shift provision and/or based on a contingency fee. That means, the company pays your attorney’s fees and costs. You won’t pay us a penny. We have settled thousands of consumer rights’ cases. Let us help you today. Contact Agruss Law Firm at 888-572-0176 to take control of your student debt!