Loan notices
Loans
Loan collection notices can include dates that affect whether collection starts while a hearing is pending. This section begins with federal student loan wage garnishment. It shows how to verify the sender, find the loan in your official account, and calendar the deadline printed on the notice. The right contact depends on who holds the loan. Federal Student Aid, the Default Resolution Group, a guaranty agency, or another official servicer may handle it. These guides do not offer tricks to erase default or stop garnishment forever.
Live guides
What does a federal student loan default notice mean?What a federal student loan default notice or Default Resolution Group transfer letter means under Federal Student Aid guidance on default, MyEdDebt.ed.gov, loan rehabilitation, and consolidation.What if they keep foreclosing while my mortgage-help application is pending?What dual tracking means when a foreclosure filing or sale stays active during a complete loss-mitigation review under CFPB Ask en-1851 and Regulation X § 1024.41 foreclosure-referral and sale rules.What if my mortgage forbearance is ending and they want a lump sum?What a forbearance-exit lump-sum demand means under CFPB exit guidance for government-backed mortgages, how that differs from a loss-mitigation determination letter, and the written-options path.What if my tax refund was taken for a student loan?What a Treasury Offset Program reduced-refund notice for a federal student loan means under IRS and Fiscal Service pages, how that differs from a wage-garnishment notice, and the get-out-of-default path.What if my mortgage payoff statement is delayed or wrong?What a delayed, refused, or inaccurate mortgage payoff statement means under the CFPB payoff Ask and federal servicing rules, how it differs from a lien that was never released after payoff, and the written error-resolution path.What if my mortgage servicer returned my payment or held it in suspense?What a returned mortgage payment or suspense-account hold means under the CFPB refuse-payment Ask page, how it differs from an ignored Notice of Error or a loss-mitigation decision, and the written error-resolution path.What if an Affirm or BNPL loan was opened in my name without my consent?What an unauthorized Affirm or buy-now-pay-later loan notice means, how it differs from a credit card, auto loan, or checking account opened without consent, and the IdentityTheft.gov plus CFPB dispute path.What to do if your mortgage servicer ignores a Notice of ErrorWhat a missed Notice of Error reply looks like on paper, and how to push for a written answer without inventing new clocks in the title.Why do I still owe a deficiency balance after my car was repossessed?What a post-sale auto deficiency balance notice means, how the CFPB repossession Ask page describes deficiency and commercially reasonable sale, and how it differs from a pre-sale plan-to-sell notice or a right-to-cure letter.I paid off my auto loan but never got the vehicle titleWhat a missing auto title or lien release after payoff means, how lender and state DMV steps differ from a mortgage county recording release, and why state title rules vary.I paid off my car loan but never got my GAP or warranty refundWhat a missing auto add-on refund after payoff, refinance, or total loss means, how Ask pages describe cancel and possible refund rights, and how it differs from force-placed insurance, card credit-balance refunds, or solar/PACE loans.My mortgage is paid off, but the lien was not releasedWhat an unreleased mortgage lien after payoff means, how to check county records, and how it differs from servicing transfer, NOE stall, loss-mit, unpaid taxes, or force-placed insurance.My city says my mortgage servicer did not pay my taxesWhat a county or city tax bill about unpaid escrowed taxes means, the CFPB notice-of-error path, and how it differs from an escrow shortage statement.A vehicle loan was opened in my nameWhat an unauthorized vehicle loan means, how to close it, and how the IdentityTheft.gov report is used.My solar or PACE loan did not match the sales pitchWhat a mismatched solar or PACE financing notice means, what the CFPB has published, and the complaint path without inventing cancel rights.My student loan IDR recertification failedWhat an IDR recertification problem means, how it differs from a SAVE-end notice, and how to update income on the official path.Notice of Right to Cure on my auto loanWhat a pre-repossession right-to-cure notice means, how it differs from a plan-to-sell notice, and how to respond in writing.My student loan discharge was deniedWhat a discharge-denial notice means, how TPD re-evaluation works, and how to push back without inventing a closed-school appeal.Notice of Our Plan to Sell Property after repossessionWhat a pre-sale repossession notice means, how to redeem or reinstate when state law allows, and how to challenge a bad sale.My mortgage assistance application was deniedWhat a loss-mitigation determination letter means, how the 14-day appeal works, and how to answer in writing.My mortgage servicer is changingWhat a mortgage servicing-transfer notice means, how the 15-day and 60-day rules work, and how to fix a missing payment.Your servicer will buy hazard insurance at your expenseWhat a force-placed hazard insurance notice means, how to send proof, and how to ask the servicer to cancel overlap.MOHELA says my SAVE plan endedWhat a SAVE-plan ending notice means, how the 90-day clock works, and how to request a new federal repayment plan.Student loan wage garnishment notice — first 7 daysA seven-day action plan for verifying the notice, preserving the hearing deadline, and contacting the official loan holder.