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Cases in Point: What About Government-Backed Debt?

The Case of a Government-Backed Student Loan – What Does the TCPA Say About Government-Backed Debt?

What does the TCPA say about government-backed debt? Nothing, actually, according to Green v. Solutions.

  • In 2005, a student loan was obtained under the Federal Family Education Loan Program
  • The program guarantees the loan against default
  • After 17 payments, the plaintiff defaulted
  • Navient Solutions began contacting the plaintiff to collect on the debt
  • After asking the representatives not to call her multiple times, she eventually filed a lawsuit
  • Navient rebutted by saying because the Loan was guaranteed by the USDE, the prior consent requirement did not apply
  • The court agreed – because the loan was guaranteed by the government, the calls were exempt under the TCPA

Curious about recent TCPA regulations coming out of the current government administration? Learn more about The TRACED Act, The REAL PEACE Act, and two press releases from the FCC regarding robotexts and reassigned numbers

Emily Faracca

Emily is the content creator at Arbeit. She is an aspiring gardener, enjoys bike rides through her neighborhood, and is a big fan of a good cocktail. As much as she loves her hometown of Buffalo, N.Y., she absolutely loves to travel, and at the top of her bucket list is a trip to Sicily, where she still has living relatives.

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