These debts can include credit card bills or loan payments.If you have multiple credit card accounts or loans, debt consolidation can help simplify or lower your payments.But, you should first consider other debt management options.Bankruptcy information stays on a credit report for 10 years.This includes money owed on personal credit card accounts, auto loans, medical bills, and mortgages.The FDCPA does not cover debts incurred in running a business.A debt collector generally is a person or company that regularly collects debts owed to others, usually when those debts are past-due.
Federal student loan borrowers have the option of consolidating their loans via the Direct Consolidation Loan program offered by the U. That loan is then serviced by the servicer of your choosing – of which Nelnet is one!If you choose Nelnet to originate and service your Direct Consolidation Loan, you may request to add other eligible loans to it by completing the Request to Add Loans Form and send it to Nelnet via email Direct Loan [email protected], or mail to: Nelnet P. Before you apply, we encourage you to carefully consider whether consolidating your existing debt is the right choice for you. It can also make it difficult to get credit, buy a home, get life insurance, or sometimes get a job. Trustee Program at the Department of Justice (DOJ).Federal courts have jurisdiction over all bankruptcy laws, so you’ll file a petition in a federal bankruptcy court.