Philadelphia Student Loan Default Attorney | Law Offices of Robert P. Cocco, P.C.

Your Legal Rights

You have the right to:

Loan Rehabilitation

A "reasonable and affordable" payment over12 consecutive based on your documented ability to pay, not an amount the collector tells you to pay.
A written agreement confirming the payment terms and advising you of your rights.

Notice Prior to Wage Garnishment

Federal law only permits wage garnishment to collect a defaulted student debt IF:

You get written mailed notice a minimum of 30 days prior to any garnishment proceedings, stating the intent to garnish, amount of the debt, percentage to be collected from wages, and your rights under the law
Opportunity to inspect and copy records relating to your debt
Opportunity to enter into a written agreement to repay your debt

Exercise your rights. We'll help you fight threats & harassments from lenders and rehabilitate or modify your unaffordable or defaulted loans.

Frequently Asked Questions

About Robert P. Cocco, P.C.

robert p. cocco I am a licensed, practicing attorney in PA, the U.S. District Court for the Eastern District of PA, and the U.S. Court of Appeals for the Third Circuit. I specialize in: debt collection abuse, mortgage abuse, auto fraud and identity theft credit damage. The majority of cases are handled on a contingency fee basis.