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Gaudreau News

Court Sanctions Student Loan Monitor ECMC


Jan 2, 2014

Student loan borrowers won a significant battle when the Federal First Circuit found ECMC, a student loan monitor, abused the bankruptcy system in its collection of student loan debt.   Hann v. ECMC, 711 F.3d 235 (1st Cir. 2013).  Finding that Hann owed nothing,  both a bankruptcy judge panel and the First Circuit Court of Appeals upheld sanctions against ECMC by the NH Bankruptcy Court.  I thought this was going to be my first opportunity to argue in the US Supreme Court, but ECMC decided to not pursue a third appeal. Natalie Kittroeff of The New York Times published an article highlighting the Hann decision and ECMC’s ruthlessness in a story entitled "Loan Monitor is Accused of Ruthless Tactics" on January 1, 2014.

Student loan borrowers facing balance disputes or other issues may want to consider a Chapter 13 bankruptcy.   The burden of proof rules in Bankruptcy Court for resolving payment disputes are more favorable than those that exist in most state courts.  If you are facing significant student loan debt, know your rights before the situation spirals out of control.

Our practice area reaches throughout New Hampshire and Massachusetts.

The information contained here is for educational purposes only and it is not intended as legal advice nor does it constitute the establishment of an attorney-client relationship. You should consult a bankruptcy attorney for specific advice about your situation.

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