Understanding Federal Student Loan Collection Agencies Federal student loan collection agencies are hired to recover defaulted federal student loans, but they must still follow federal law. Repeated or excessive phone calls—especially multiple calls per day or calls at inconvenient hours—may qualify as harassment under the Fair Debt Collection Practices Act (FDCPA). Collectors are not allowed to threaten lawsuits, wage garnishment, or arrest unless those actions are legally permitted and genuinely intended. You are entitled to receive a written validation notice within five days of the first contact. If no written notice was provided, your consumer rights may have been violated. Once you tell a collector to stop calling your workplace, they must immediately comply. Discussing your student loan debt with friends, family members, or coworkers is strictly prohibited. Any abusive, rude, or threatening behavior, including profanity or intimidation, violates federal law and may entitle you to compensation. Understanding these protections helps you respond confidently and protect your rights. ✅ Take Action Now: https://protectionforconsumers.com/federal-student-loan-collection-agencies/