Private Student Loan Defense Attorney Representing Maryland Borrowers

At the Holland Law Firm, our team represents consumers facing unfair treatment by lenders, servicers, debt collectors, and financial institutions, including servicers of private student loans.

You probably don’t need a student loan attorney to tell you that the whole student loan debt collection system can be a broken mess. Private student loan debt collectors often file assembly line lawsuits, and you need someone to stand by your side if you find yourself the target of one of these suits.

You may have more options than you think, even up against powerful private student loan lenders and debt collectors.

For over 20 years we have helped victims of wrongful debt collection, wrongful credit reporting, wrongful repossessions, and other scams. When a private student loan collector is abusing you, you have rights. We sue debt collectors to hold them accountable.

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Common Student Loan Defense Issues

One of the leading studies of the industry is called Going to School on Robo-signing: How to Help Borrowers and Stop the Abuses in Private Student Loan Collection Cases. It’s worth reading, and it touches on some of the issues regarding student loans. Other common issues include:

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Servicing Errors and Misapplied Payments

Debts that were never yours, files mixed with another consumer’s information, and accounts connected to identity theft can all damage your credit and lead to collection activity for debts you never incurred.

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Aggressive Collection and Default

Borrowers in default often face wage garnishment threats, tax refund interception, repeated collection calls, or lawsuits on private student loans. In many cases, the balances being pursued include inaccurate fees and costs that cannot be properly supported.

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Misleading Repayment and Forgiveness Information

Borrowers are routinely given wrong information about repayment plans, consolidation, or forgiveness eligibility. Some third-party companies charge large upfront fees for services borrowers can access for free through federal programs. These deceptive practices leave borrowers worse off than before.

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Credit Reporting Errors

Inaccurate delinquency reports, duplicate accounts, and wrong balances damage credit scores and block financial opportunities. Borrowers often dispute these errors for months or years with no meaningful correction from servicers or credit bureaus.

Your Legal Protections

Federal consumer protection laws and Maryland statutes protect borrowers from deceptive, unfair, and abusive conduct by servicers, lenders, and collectors. Borrowers have rights involving account accuracy, debt validation, dispute procedures, and protections against misleading representations.
In many situations, borrowers may challenge improper collection activity, dispute inaccurate balances, seek correction of reporting errors, or recover damages caused by unlawful conduct. Defenses may also involve identity theft, unauthorized loans, inaccurate repayment records, bankruptcy-related disputes, or expired statutes of limitations.

Our Process

01

Initial Contact

Fill out our contact form, providing basic information about your case and including your contact details.

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02

Review

We review the information you submitted to determine if we can assist with your legal issue.

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03

Request for Additional Information

If we believe we can help, we’ll request more details and offer a paid consultation. If we cannot help, we’ll email you with links to relevant legal resources.

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04

Paid Consultation

If you proceed, a 45-minute consultation will be scheduled to discuss the facts and assess your legal options. We will email you a consultation agreement.

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05

Decision Making

After the consultation, we’ll collaborate to decide whether hiring us is the right course of action.

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06

If We Can’t Assist After the Consultation

If we determine we can’t assist, we’ll provide you with information about other legal resources.

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Why Hire One of Our Attorneys?

Student loan defense cases involve complicated financial records, servicing histories, repayment programs, and collection procedures. Private loan servicers and debt collectors rely on complex systems that are difficult to challenge alone. Borrowers benefit from attorneys who understand:

  • Federal consumer protection statutes
  • Private student loan servicing practices
  • Debt collection laws
  • Credit reporting disputes
  • Private student loan litigation
  • Litigation strategy against lenders and collection agencies

Let’s talk it over and build a case together.

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What our clients say. We’re proud to stand with consumers who are being treated unfairly, and we appreciate our clients sharing the experiences they’ve had working with us.