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Student Loan Debt Lawsuit
Barrister Amna (Alevels Academy Islamabad)
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1 year ago
A Levels Academy Islamabad
Category
📚
Learning
Transcript
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00:00
We pay a high price for education in this country.
00:04
A price that oftentimes follows us around for years to come.
00:08
Juggling repayment of your student loan while trying to live your life is not an easy thing.
00:13
If you have defaulted on your student loan payment and don't take steps to rectify the situation,
00:18
you may get sued.
00:20
A lawsuit will most likely come from a private lender as opposed to the government,
00:24
because private lenders need a court ruling before proceeding with harsh collection techniques.
00:29
Whereas the government has the freedom to collect student loan debt in more direct manners.
00:34
If you do in fact get sued by a private lender,
00:37
which they must do within five years of a debt becoming delinquent,
00:41
make sure you respond to all case-related documents on time from the very start.
00:46
If you don't respond to student loan debt lawsuits on time,
00:49
the court will probably judge in favor of the lender.
00:52
But you want a fighting chance, and there are some valid defenses you can use against the lender.
00:58
One is that the lender waited too long to sue.
01:01
Two is that you paid for some or all of what they say you owe,
01:05
but was never credited by the lender.
01:08
Three is that you were unable to finish your education because of exceptional circumstances.
01:13
For example, the school closing.
01:15
Four is that the loanholder failed to provide proof that they have the right to sue.
01:20
Five is that you were the victim of identity theft and never agreed to the loan.
01:25
And a sixth defense can be that the debt was already discharged in a bankruptcy proceeding.
01:30
Going to court to contest a student loan case may seem intimidating,
01:34
but LegalYou is here to give you the confidence you need to succeed.
01:38
LegalYou. You can do this.
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