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The National Consumer Assistance Plan from Experian, Equifax and TransUnion includes changes to reporting information on unpaid medical bills. Read the announcement

CFPB Director, Richard Cordray, spoke at the Financial and Education Commission Meeting on the bureau's enforcement efforts and upcoming rules that will impact the debt collection industry. Read the announcement

New York Department of Financial Services responds to ACA International's request for clarification of the state's new debt collection requirements. Read the announcement

The ACA member company has promoted seven employees and hired one new staff member. The employees' responsibilities include technology sales, client performance and network operations, among others. Read the announcement

Debt-collection firms help support the economy and save businesses and consumers billions of dollars per year. Payscout draws upon its expertise and deep understanding of high-risk markets to provide these companies the payment services. Read the announcement

Partnerships with H&R Block and Intuit, Inc. encourage users to explore their student loan repayment options and check their eligibility for lower monthly student loan payments as they prepare their tax returns. Read the announcement

Thousands of borrowers have told us their stories on how they manage tough times with their student loans. Some students ended up borrowing much more than they expected in order to complete their degree, often because a parent lost a job in the midst of the financial crisis. Others had a tough time finding a job after graduation, making student loan payments difficult to afford. Read the announcement

The bulletin provides guidance on the legal responsibilities companies have regarding how they treat confidential supervisory information, as well as a warning on the limitations of nondisclosure agreements and the CFPB's access to required information. Read the announcement

The American Collectors Association of Texas is holding its 67th Annual Conference & Expo at the Crowne Plaza Hotel in Austin from Feb. 16-18. Member pricing is available for all ACA International members regardless of their state unit. Read the announcement

BillingTree, an ACA International affiliate member based in Phoenix, is conducting its third consecutive ARM Industry Operations, Technology & Payments Survey of professionals in the credit and collection industry. Read the announcement

Several ACA member companies are among the annual Training Top 125 finalists from Training magazine, which ranks companies' excellence in employer-sponsored training and development programs. Read the announcement

You submitted your 2015-2016 Free Application for Federal Student Aid (FAFSA®)! Wondering what happens next? Read the announcement

Delta Outsource Group COO Nick Jarman, in a blog on Credit.com, explains the importance of compliance with the FDCPA's requirements on sending debt collection letters as well as the challenge it presents when communicating with consumers. Read the announcement

The Department of Education hosted its 2014 Federal Student Aid Training Conference in Atlanta last month with nearly 6,000 registrants in attendance. For those unable to attend, PowerPoint slides and audio recordings of select sessions are now available on the FSA conference website. Read the announcement

The Department of Education is promising to develop and publish a federal college ratings system by the 2015-16 school year. An explanation of the proposal announced last month is now available. Read the announcement

Higher Education Affordability Act would reduce college costs, hold schools more accountable to students and taxpayers, and help families make informed decisions about college.  Read the announcement

On Oct. 20, 2014, the Consumer Financial Protection Bureau (CFPB) finalized a rule to promote more effective privacy disclosures from financial institutions to their customers. The new rule, which was proposed in May, allows companies that limit their consumer data-sharing and meet other requirements to post their annual privacy notices online rather than delivering them individually.  Read the announcement

On Sept. 10, 2014, Rep. Maxine Waters (D-Calif.) introduced the Fair Credit Reporting Improvement Act of 2014 in conjunction with the House Financial Subcommittee on Financial Institutions and Consumer Credit hearing, An Overview of the Credit Reporting System. The act aims to update the Fair Credit Reporting Act with several new provisions or fixes.  Read the announcement

The U. S. Department of Education has released a Publication of Federal Register Notice Inviting Postsecondary Educational Institutions to Participate in New Experiments Under the Experimental Sites Initiative. Read the announcement

The U. S. Department of Education has updated 2014-2015 Federal School Code (FSC) List of Participating Schools on the Information for Financial Aid Professionals (IFAP) Web site.  Read the announcement.

 

2014-2015 Federal Pell Grant Payment and Disbursement Schedules.   visit http://ifap.ed.gov/dpcletters/GEN1401.html

 

Third Circuit Court of Appeals rules that a consumer can bring Fair Debt Collection Practices Act claims in a bankruptcy proceeding.  Read more about this ruling Third Circuit Court of Appeals

 

Deadline for 2014-2015 Underuse Penalty Waiver for the Campus-Based Programs is February 7, 2014.   visit http://ifap.ed.gov

 

Federal Pell Grant Program Reconciliation.   visit http://ifap.ed.gov

 

2014 Electronic Annoucements.   visit http://ifap.ed.gov

 

Creditors seeking to reduce collection costs often ask collection agencies for "precollect" efforts at a discount from normal contingent fee rates. Some collection agencies provide lettering services – with all calls and payments directed to the creditor – at a flat rate per letter or account. 

 

TPD Discharge Information - Reminder of July 1, 2013 Effective Date for Changes to Total and Permanent Disability Discharge Regulations– visit http://www.ifap.ed.gov/ifap/

 

New option provides lower monthly payments to help borrowers responsibly manage student loan debt

The U.S. Department of Education announced today that many borrowers are now able to take advantage of a new repayment plan that could lower their monthly federal student loan bills. The plan, known as Pay As You Earn, caps monthly payments for many recent graduates at an amount that is affordable based on their income. This new option follows through on President Obama's promise to provide student borrowers with relief on their student loan payments and help them responsibly manage their debt.

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