Are debt collectors bullying you because you can't afford to pay your debts? Job loss, divorce, and illness can all trigger a financial crisis, but when you can’t pay, collection agencies have been known for taking things too far.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act controls how debt collectors may collect a debt from you. If they try to embarass or harass you into paying, it can result in fines and license revocation. Examples of prohibited activities include:
● Collecting from you during the 30-day dispute period
● Telling your friends and relatives that you owe money
● Yelling and cursing at you over the phone
● Using an autodialer to call your cell phone constantly
● Making details of your debt publicly known
● Demanding payment for a debt discharged in bankruptcy
Company Profile: Great Lakes Higher Education Guaranty Corporation
If you are being called by Great Lakes Higher Education Guaranty Corporation, agency details are below.
Great Lakes Higher Education Guaranty Corporation is a debt collection agency headquartered in Madison, Wisconsin. It opened for business in 1967, has 1800 employees, and is a subsidiary of Nelnet. Legal records at the PACER website show that consumers who felt harassed by Great Lakes Higher Education Guaranty Corporation went to court to fight back.
Alleged Violations against Great Lakes Higher Education Guaranty Corporation*
According to information on the PACER website, in or around January 2011, Great Lakes Higher Education Guaranty Corporation started calling a Minnesota consumer to collect a student loan debt. He alleged that the company also called his father’s place although it had his personal phone number and threatened to garnish his wages. The consumer retained an attorney, but the agency allegedly continued to send demand letters to him directly
Feeling harassed by Great Lakes Higher Education Guaranty Corporation, the consumer sued the agency for:
● Sharing details of the debt with his father
● Bypassing his attorney and contacting him directly
The case was later settled.
Hire a Consumer Lawyer
The phone numbers for Great Lakes Higher Education Guaranty Corporation are as follows:
Their presence on your caller ID means thatGreat Lakes Higher Education Guaranty Corporation is trying to collect a student loan debt. If they share information about the debt with your family and ignore the fact that you retained counsel regarding the debt, hire a consumer lawyer and file a claim against Great Lakes Higher Education Guaranty Corporation. You could end up receiving $1,000 per FDCPA violation, which can add up for serious offenders. Owing a debt does not entitle collectors to abuse you, and if they do, consequences can result.
*Case taken from PACER (www.pacer.gov). File number is CASE 0:11-cv-02663-SRN-TNL from the United States District Court for the District of Minnesota.
Disclaimer: The content of this article serves only to provide information and should not be constructed as legal advice. If you file a claim against Great Lakes Higher Education Guaranty Corporation or any other third-party collection agency, you may not be entitled to any compensation.