DebtDoc Bankruptcy News Blog

Monday, 18 May 2015 00:00

How to Have Your Voice Heard

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The frustration of dealing with your student loan servicer, Part (1)

After representing student loan borrowers for the last few years I have come to realize that the most important aspect of obtaining some type of student loan debt resolution is getting the issue in front of someone who can communicate with you.

First, let me clear up some confusion about who the players are. First, you have a lender of the student loan. For the Federal Student Loans, for simplicity sake, let’s just say the lender is the U.S. Department of  Education. If the word “direct” appears in any of your paperwork, the lender is Dept. of Ed because you got the money directly from them. This is a very simple concept and the very first step in obtaining some resolution to your student loan concern.

That being said, Navient, Great Lakes, NelNet, for an example, are NOT your lender. They are servicers who collect student loans and process the administrative end of things for the US Department of  Ed. This is the essence of the frustration for many student loan borrowers.  The driving force behind complaints to the Dept. of Ed, and any other entity in the loop, is the failure of the servicers to provide clear, concise, accurate, and appropriate information. This is why the Consumer Financial Protection Bureau,  has sent out a Request for Information where you can have your voice heard. 

This is your opportunity to tell your story.

This call for action by student loan borrowers has just recently been issued. The full request for public inquiry was launched on May 14, 2015. Many feel that this has been coming for a very long time and certainly should have been issued earlier. Attached is the link to the full article:

In encourage anyone who has had issues with the servicers, or collection agencies hired by the servicers, to file a complaint. I can assist you with those issues if nothing is getting done or the issue persists.

Chris Bush
Bankruptcy Attorney, San Diego
Chris Bush, Attorney at Law
Phone: (619)295-3322

Read 6381 times Last modified on Saturday, 30 March 2019 23:25
Chris Bush

With over 12 years of experience and thousands of cases as a consumer bankruptcy attorney, Chris Bush is on the cutting edge of Bankruptcy and Student Loan Law. Chris can assist you in untangling the options to find the best solution for your specific debt relief case.

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Client Testimonial

To whom it may concern,
DebtDoc's attorneys are extremely knowledgeable with the complexities of Federal Student Loans.
I went from a thriving career to full medical disability, ending with an SSDI placement. Unfortunately, I lost everything and became unable to continue making the student loan payments, so it was in deferment for over five years. When the SSDI settled I tried to negotiate an affordable payment plan with the loan holders but they refused my efforts, instead demanding over twice the amount I could afford.
I contacted DebtDoc and found them to be courteous, responsive and quick to assess my situation. They were sure they could help and took time to answer all questions, which relieved much anxiety. Within months they successfully resolved the debt! With much confidence, I highly recommend DebtDoc.

Clients with Student Loan Debt

Clients with Student Loans

Some information I need to evaluate your Student Loan options is contained in your National Student Loan Data System Report. Instructions for obtaining this report are available on my web site at Simply print/save the reports as a PDF, of all pages. Please DO NOT "DOWNLOAD" THE REPORT from the link - this creates a text file that is very difficult to read; please print the web page as a PDF file - the summary page of all loans AND the individual reports for each loan. Samples of these pages can be viewed by clicking the respective links in the previous sentence. I look forward to reviewing this report with you and assisting you with the management of your Student Loan debt.

I have prepared a brief questionnaire for you to fill out to provide me most of the information I will need. Please click this questionnaire link and provide me with the information listed. I would also like to see copies of your most recent pay stubs or other income information.

My office is located at 2727 Camino Del Rio South, Suite 135, San Diego, CA 92108. The main entrance to the building is on the right/west side. I am on the first floor; when you enter the building, turn right and I’m in the suite at the second door on the left. If the suite door is locked, please call or text at 619-678-1134 and I will let you in. (Unfortunately, I usually can’t hear a knock at that door.) I look forward to meeting with you and assisting you on your path back to financial freedom.