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Important information

• Additional Info:

  The Fair Debt Collection Practices Act (FDCPA) applies to personal, family, and household debts, including student loans. The FDCPA prohibits debt collectors from engaging in unfair, deceptive, or abusive practices while collecting these debts.
  
  Your rights under the Fair Debt Collection Practices Act:
  
  - Debt collectors may contact you only between 8 a.m. and 9 p.m.
  - Debt collectors may not contact you at work if they know your employer disapproves.
  - Debt collectors may not harass, oppress, or abuse you.
  - Debt collectors may not lie when collecting debts, such as falsely implying that you have committed a crime.
  - Debt collectors must identify themselves to you on the phone.
  - Debt collectors must stop contacting you if you ask them to in writing.
  
  You may report a debt collector for any problems you have to BBB at (www.bbb.org), your state Attorney Generals' office (www.naag.org) and the Federal Trade Commission (www.ftc.gov).
  
  Many states have their own debt collection laws that are different from the federal Fair Debt Collection Practices Act. Your Attorney Generals' office can help you determine your rights under your state's law.
  
  If you live in Maryland, you may wish to contact the Maryland State Collection Agency Licensing Board in the Office of the Commissioner of Financial Regulation at 410-230-6100 or by writing a letter to:
  
  Commissioner of Financial Regulation
  Attention: Consumer Services Unit
  500 North Calvert Street, Suite 402
  Baltimore, Maryland 21202