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Within five days after a debt collector first contacts you, the collector must send you a written notice that tells you the name of the creditor, how much you owe, and what action to take if you believe you do not owe the money.If you owe the money or part of it, contact the creditor to arrange for payment.If you are unable to resolve the problem, you can submit a complaint to the Consumer Financial Protection Bureau (CFPB). Brazos Brazos offers student loan refinancing to Texas residents. Should I refinance my student loans with fixed or variable interest rates? How do I consolidate or refinance my student loans? How much can I save by refinancing my student loans?With a wide variety of loan terms available, a Brazos Refinance Loan can help you meet your specific financial goals, whether you want to reduce your monthly payment or lower the total interest cost of repaying your loan. Student loan consolidation: Consolidation is the process of combining your government loans so that you can make a single monthly payment.

If you can lower your interest rates, more of your money can be used to reduce your debt, instead of paying off only your interest.If you believe you do not owe the money, contact the creditor in writing and send a copy to the collection agency informing them with a letter not to contact you.A debt collector may not: Report any problems you have with a debt collection company to your State Attorney General's Office, the Federal Trade Commission (FTC), and the Consumer Financial Protection Bureau (CFPB).You can find free or low-cost credit counseling options at: Under the provisions of the Servicemembers Civil Relief Act (SCRA), you may qualify for a reduced interest rate on mortgage payments or credit card debt, protection from eviction, or a delay of all civil court actions, such as bankruptcy, foreclosure, or divorce proceedings.To find out if you qualify, contact your local Armed Forces Legal Assistance office.

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