Advice for consolidating debt

They cannot call you directly if they know you are being represented by an attorney, and they cannot call you at work if they know your employer prohibits such calls.My collection agency does everything it is not supposed to do. Yes, you can sue a collection agency, but a better first step might be to use the provisions of the FDCP to warn your collection agency that it is acting in defiance of the law.

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These details determine your options for loan repayment and forgiveness. You can log in and see the loan amounts, lender(s), and repayment status for all of your federal loans.Contact your school if you can't locate any records. Know Your Grace Period: Different loans have different .A grace period is how long you can wait after leaving school before you have to make your first payment.Then see what the monthly payment would be with a consolidated loan.

Try adjusting the terms, loan types or rate until a consolidation plan fits your needs - and most importantly your budget!Most people do this to reduce the interest rate on their debt, to bring down their monthly payment amount or to reduce the number of companies they owe money to.

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