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Private Student Loan Lawsuits

Getting Sued for a Private Student Loan? Don’t Panic — Get a Plan

When you’re served with a lawsuit over a private student loan, it’s normal to feel cornered. The letters are threatening. The phone calls feel endless. And the paperwork makes it sound like you’ve already lost. You haven’t. Private student loan companies and their collection law firms file thousands of lawsuits every year — but most borrowers never respond, which means the lender wins automatically. You don’t have to be one of them. At Consumer Rights Law Firm PLLC, we help borrowers fight back, protect their assets, and stop abusive collectors cold.

📞 Call 877-700-5790 for a free, confidential review before your court deadline expires.

Why Private Lenders Sue

Private student loans are not backed by the federal government, so lenders can’t automatically garnish wages or seize tax refunds. Their only real leverage is through the courts.

Once you default, here’s what typically happens:

  1. The lender sells your debt to a debt buyer or collection law firm
  2. They send threatening letters demanding full payment
  3. If ignored, they file a lawsuit in state court
  4. If you don’t respond in time, they win a default judgment
  5. That judgment allows them to garnish your wages or bank accounts

But every one of those steps can be challenged — and often overturned — if you respond correctly and on time.

What We Do When You’re Sued

When you hire Consumer Rights Law Firm PLLC, we take over the stress immediately. Here’s how we help:
Many private student loan suits are sloppy. Debt buyers often can’t prove ownership or the chain of assignment. If they can’t show valid documentation, they have no legal standing to collect.
Ignoring the summons guarantees a loss. We file a formal Answer with the court, preserve your defenses, and force the lender to prove every claim.

We demand:

  1. The original signed promissory note
  2. Full payment history
  3. Chain of title if the debt was sold
  4. Proof that the plaintiff actually owns your loan

If they can’t produce these, we can move to dismiss or negotiate from strength.

If settlement makes sense, we negotiate for the lowest possible payoff — often 40-60% below the claimed balance — with written terms that protect you from future collection.
Once we represent you, collectors must stop calling you directly. All communication goes through us. If they continue to harass you, we may pursue an FDCPA harassment claim for damages.

How Consumer Rights Law Firm PLLC helps

877-700-5790
Free Case Review

Common Lenders and Law Firms We See

We routinely handle lawsuits from:

  1. National Collegiate Student Loan Trusts (NCSLT)
  2. Navient and Sallie Mae
  3. Discover Bank
  4. Citizens Bank
  5. PNC Bank
  6. AES
  7. Transworld Systems Inc. (TSI)
  8. Zwicker & Associates
  9. Mandarich Law Group
  10. Gurstel Law Firm
  11. Patenaude & Felix

These companies count on borrowers to freeze up and do nothing. When we step in, that advantage disappears.

If you fail to respond:

  1. The lender gets a default judgment
  2. They can garnish up to 25% of your paycheck
  3. They can freeze your bank accounts
  4. Your credit score tanks
  5. The balance balloons with court costs and attorney fees

Once that judgment is entered, your options shrink fast. That’s why timing is everything. Respond early and you have leverage. Wait, and they control the board.

  1. Look for official court papers labeled “Summons” or “Complaint”
  2. Check your name in your local county court docket online
  3. Open all certified or registered mail — ignoring it won’t make it go away

If you’re unsure, call us. We’ll check your public court records for you and confirm exactly what’s happening.

  1. Case dismissed if the lender can’t prove ownership or proper documentation
  2. Debt settled for a fraction of what’s claimed
  3. Judgment vacated if entered improperly
  4. Harassment damages recovered
  5. Credit repair path after resolution

Our goal is to protect your wallet, your credit, and your peace of mind.

  1. “We’re a law firm representing your lender” — Often misleading. Many are third-party collectors pretending to be official counsel.
  2. “You’ll be arrested if you don’t pay” — Completely illegal scare tactic.
  3. “You must pay by today or we’ll file judgment tomorrow” — False urgency to push a bad deal.
  4. “We’ll take your home or car” — Not without a judgment, and often not at all.

Keep every voicemail, screenshot, and letter. These can become evidence in your defense or counterclaim.

  1. Over 15 years of consumer protection experience
  2. Specialized in FDCPA, FCRA, and TCPA violations
  3. Deep knowledge of private student loan litigation
  4. Responsive, transparent communication
  5. Free initial consultation — and we only get paid if you win damages in harassment cases

📞 Call 877-700-5790 or fill out our quick form to start your free review today.

Frequently Asked Questions

Call an attorney immediately. You usually have 20–30 days to respond. Ignoring it guarantees a loss.
Yes. Settlement is still possible even after a lawsuit is filed — and often for less than you think.
A lawsuit can appear on your credit if a judgment is entered. Settling or winning prevents that outcome.
We offer affordable flat-fee options and in some harassment cases, you pay nothing unless we recover damages.

What to Bring to Your Free Review

  1. A copy of the Summons and Complaint
  2. Any letters or emails from the lender or collector
  3. A payment history or loan statement if you have it
  4. Voicemails or call logs from collectors

The more documentation we have, the faster we can protect you.

Legal Disclaimer

This page is for informational purposes only and does not constitute legal advice. Contacting Consumer Rights Law Firm PLLC does not create an attorney-client relationship. Past results do not guarantee similar outcomes. For advice specific to your case, call 877-700-5790.

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