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I am afraid that student loans are exempt from the Fair Debt Collection Practices notice requirements and the notice you received from the Treasury about delinquent loans was all that was required and the company ECMC did not have to send notice. Furthermore, it is the federal government and not really ECMC that has the authority to issue a seizure of accounts on student loan debts and as such the seizure was proper, so you would have to argue the extreme hardship I am afraid.
These student loans will be the next major financial crisis in the US (like the housing mortgage crisis) because the government is getting overly aggressive at collection and people like you and even me cannot simply afford the payments in this pathetic economy. However, the government being the backer of these loans still has the powers of garnishment for non-payment on these loans and they technically do not have to give any more notice than you received and if you read the student loan contracts
we all signed, you will see that in the contract as well that notice is at the discretion of the lender and we all had to agree to that if we wanted the student loans we needed.
I am sorry, but you will have to pursue this under the hardship angle and I wish it were otherwise for you.
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