Are you getting repeated phone calls about your student loan?
Is a debt collector contacting your family or workplace about overdue payments?
If so, you may be experiencing Trellis Company harassment — and it’s time to take action.
Under federal law, you have the right to stop unwanted calls, demand written proof of any debt, and even recover money damages. If trellis company student loans are causing you stress, you are not alone. Thousands of borrowers have reported similar experiences and found relief through legal help.
The good news is that laws such as the Fair Debt Collection Practices Act (FDCPA) and the Telephone Consumer Protection Act (TCPA) protect you from unfair or abusive collection behavior. You can stop the calls, fix your credit report, and regain control of your financial peace.
Understanding Trellis Company and Its Role in Student Loans
Trellis Company is a nonprofit organization that manages and collects federal student loan debt, particularly loans made under the Federal Family Education Loan Program (FFELP). Based in Round Rock, Texas, it was formerly known as the Texas Guaranteed Student Loan Corporation. Over the years, the agency has handled billions in federal education loans and worked as a guarantor for the U.S. Department of Education.
When borrowers fall behind or default on payments, their accounts may be transferred to Trellis Company Student Loans Division for collection. At that point, Trellis becomes responsible for recovering the balance, which often involves contacting borrowers directly by phone, mail, or email.
While Trellis is a legitimate organization, many borrowers report that its collection practices can be overly aggressive, resulting in what feels like Trellis’s company harassment. These calls can be constant, intimidating, and emotionally draining, especially if the borrower has already tried to make repayment arrangements.
If you’re receiving frequent contact or feel pressured to pay without verification, you have the right to request debt validation before making any payment.
Is Trellis Company Legit or a Scam?
Trellis Company is not a scam — it is a recognized guaranty agency that works with federal and private student loan programs. However, its legitimacy does not mean all collection practices are lawful. Even legitimate agencies can cross the line into harassment if they violate consumer protection laws.
Many borrowers receiving calls about Trellis Company student loans have reported that representatives failed to identify themselves properly or made misleading claims about wage garnishment. Others have said the agency called multiple times per day or left voicemails that didn’t disclose the purpose of the call.
If you’ve received such calls, it’s essential to confirm that the caller is truly from Trellis. Scammers sometimes impersonate collection agencies, so always check the Trellis company phone number listed on the official website before sharing personal or financial information.
Why Trellis Company Is Contacting You
If you’ve missed multiple monthly payments, your federal loans may have entered default. In that case, the Department of Education or your loan servicer may have transferred the debt to Trellis Company Student Loans for collection.
Trellis has the authority to collect defaulted loans and may contact you to arrange repayment, discuss loan rehabilitation, or set up a consolidation plan. Unfortunately, some borrowers report that their experience with the company quickly turns from informative to intimidating.
You may be facing trellis company harassment if:
- 👉 You receive multiple calls per day, even after asking them to stop.
- 👉 You are threatened with immediate wage garnishment or tax refund seizure.
- 👉 They fail to provide written proof of your loan within five days of initial contact.
- 👉 They use aggressive or unprofessional language.
- 👉 They contact your employer or relatives about your debt.
All of these actions are violations of the FDCPA. You do not need to tolerate such treatment.
Common Phone Numbers Linked to Trellis Company
Borrowers have reported calls from several numbers associated with Trellis. Always verify these numbers before responding:
☎️ 800-252-9743
☎️ 512-218-6235
These numbers, or variations of them, may appear differently depending on your phone’s caller ID (for example, 📞 +1 (512) 218-6235 or 📞 1-800-252-9743). If you’re unsure whether a call is genuine, contact the official Trellis Company phone number listed on their website before sharing any personal data.
The company’s main office is located at:
📍 301 Sundance Parkway, Round Rock, TX 78681
What Is Trellis Company Harassment?
Trellis company harassment occurs when a debt collector violates your legal rights during the collection process. This can include repeated calls, threats, or failure to provide accurate information about the debt.
Borrowers facing trellis company student loans collections have reported:
- ➡️ Frequent robocalls using automated systems.
- ➡️ Calls at inappropriate hours — before 8 a.m. or after 9 p.m.
- ➡️ Refusal to honor written cease-and-desist requests.
- ➡️ Misrepresentation of the debt amount or loan status.
- ➡️ Attempts to collect more money than legally owed.
Such behavior isn’t just frustrating — it’s illegal. If these actions sound familiar, you may be entitled to compensation. Federal law allows consumers to receive up to $1,000 in statutory damages, plus coverage for attorney fees and any actual losses suffered as a result of harassment.
Trellis Student Loans and Wage Garnishment
Many borrowers dealing with trellis student loans worry about wage garnishment — and for good reason. Under federal law, Trellis can initiate administrative wage garnishment for defaulted federal loans without first obtaining a court order. This allows them to collect up to 15% of a borrower’s disposable income.
However, you still have rights. Before garnishment begins, Trellis must send a written notice, allowing you to request a hearing or establish a repayment plan. If Trellis Company student loans representatives failed to provide proper notice or continued garnishment despite your objections, you may have a valid legal claim.
Borrowers have several options to stop garnishment, including:
- ✅ Entering a loan rehabilitation program and making consistent monthly payments.
- ✅ Applying for loan consolidation through the U.S. Department of Education.
- ✅ Request a hardship hearing if the garnishment causes severe financial strain.
If Trellis continued collections during an active forbearance or moratorium period, you may also be eligible for a refund.
How to Stop Trellis Company Harassment Calls
If you are tired of constant calls, there are effective ways to stop them legally:
- ➤ Ask for Written Verification – Collectors must send a written validation notice within five days of first contact.
- ➤ Keep Records – Document every call, letter, or email, including time, date, and content.
- ➤ Send a Cease-and-Desist Letter – Request all communication to stop. Once received, any further calls may violate the FDCPA.
- ➤ File a Complaint – Report trellis company harassment to the Consumer Financial Protection Bureau (CFPB) or your state attorney general.
- ➤ Consult a Consumer Rights Attorney – A qualified lawyer can communicate directly with Trellis and handle legal claims on your behalf.
By following these steps, you can reclaim your peace of mind while protecting your credit and finances.
Trellis Company Student Loans and Credit Reporting
Defaulting on your student loans can severely impact your credit score. When accounts are transferred to Trellis Company student loans, negative information such as delinquency or default may appear on your credit report.
If this data is inaccurate, incomplete, or outdated, you have the right to dispute it under the Fair Credit Reporting Act (FCRA). The credit bureaus, Equifax, Experian, and TransUnion, must investigate and correct any verified errors within 30 days.
If trellis company harassment includes threats to “ruin your credit” or “report false information,” those actions are illegal. Consumers who suffer financial damage due to false reporting can recover monetary compensation and have inaccurate data removed.
Trellis Student Loans: Options for Borrowers
Even if your loans are in default, you still have options to rebuild your financial standing. Borrowers dealing with trellis student loans may qualify for programs such as:
- 💡 Loan Rehabilitation – Make nine on-time payments to bring your loan back into good standing.
- 💡 Direct Consolidation – Combine your defaulted loans into a new federal Direct Loan.
- 💡 Income-Driven Repayment (IDR) – Adjust payments based on your income and family size.
- 💡 Loan Forgiveness Programs – Such as Public Service Loan Forgiveness or IDR forgiveness after 20–25 years.
Before agreeing to any repayment plan, verify all terms in writing. Some borrowers report being misled by collectors about program details. Always confirm eligibility through official Department of Education resources or by contacting a trusted legal advisor.
Filing Complaints Against Trellis Company
If you have experienced ongoing trellis company harassment, you can file formal complaints with:
- 👉 Consumer Financial Protection Bureau (CFPB) – Handles violations of debt collection laws.
- 👉 Federal Student Aid Ombudsman Group – Specializes in resolving federal loan disputes.
- 👉 State Consumer Protection Offices – Investigate unfair or deceptive business practices.
- 👉 Better Business Bureau (BBB) – Tracks complaints and public reviews against collection agencies.
Include details such as the trellis company phone number used to contact you, copies of letters or emails, and any recorded calls. Comprehensive documentation strengthens your case and helps regulators take corrective action.
How Legal Assistance Can Help
Many borrowers who faced trellis company student loan collections found relief by contacting a consumer protection attorney. Legal professionals can:
- ✅ Stop all harassing communication immediately.
- ✅ Review your case for FDCPA or TCPA violations.
- ✅File lawsuits to recover damages and legal costs.
- ✅ Negotiate repayment terms or debt relief settlements.
The Consumer Rights Law Firm PLLC specializes in protecting borrowers from unlawful debt collection practices. If you’ve experienced trellis company harassment, our attorneys can take action on your behalf — at no cost to you. Under the law, the debt collector pays all attorney fees if your rights are violated.
Contact Information
If you believe you’re being harassed over Trellis Company student loans, don’t wait to act. Reach out for free legal help today:
Consumer Rights Law Firm PLLC
📍 133 Main Street, Second Floor
North Andover, MA 01845
☎️ Phone: +1 888-206-6886
Our legal team responds promptly to stop harassment, dispute inaccurate reports, and restore your financial confidence.
Real Borrower Experiences
Borrowers across the country have reported that after sending a cease-and-desist notice or hiring legal counsel, Trellis Company harassment stopped within days. Some even received financial compensation for the stress and inconvenience caused by repeated calls.
One borrower reported that Trellis continued collections after a payment plan was already established. After legal action, the account was corrected, and the borrower’s credit report was updated to reflect the accurate status.
These cases prove that you don’t have to suffer through collection abuse — the law is designed to protect you.
Frequently Asked Questions (FAQ).
Q1: What is Trellis Company student loan harassment❓
A1: Trellis Company harassment occurs when borrowers face repeated calls, threats, or misleading info about student loans, violating FDCPA or TCPA protections.
Q2: How can I stop Trellis Company from calling me❓
A2: Request written debt validation, send a cease-and-desist letter, keep records of all calls, and consult a consumer rights attorney to stop illegal harassment.
Q3: Are Trellis Company loans legitimate or a scam❓
A3: Trellis Company is a legitimate nonprofit managing federal loans. However, aggressive collection practices can still violate federal consumer protection laws.
Q4: Can Trellis Company affect my credit score❓
A4: Yes, defaulted Trellis loans can appear on credit reports. You can dispute errors with Equifax, Experian, or TransUnion under FCRA to protect your credit.
Q5: What legal remedies exist for Trellis Company harassment❓
A5: Borrowers can file complaints with CFPB, FTC, state agencies, or hire an attorney to stop harassment, recover damages, and correct credit report errors.
Final Thoughts
Dealing with Trellis Company student loans can feel overwhelming, especially when harassment and misinformation are involved. But remember: You have powerful rights under federal law. No collector can threaten, intimidate, or mislead you about your debt.
If your phone rings endlessly, if your credit has been damaged unfairly, or if trellis student loans are causing unnecessary stress, contact an experienced attorney immediately. You could recover up to 💸 $1,000 in damages, stop the calls, and start rebuilding your financial peace.
The sooner you act, the faster the harassment ends. Take control today — your rights matter.