Have you been served with a lawsuit from National Collegiate Student Loan Trust (NCSLT)? You’re not alone—thousands of private student loan borrowers across the U.S. face lawsuits from NCSLT every year, often for loans they don’t fully recognize or amounts far higher than expected.
The worst mistake you can make? Ignoring the lawsuit.
If you do nothing, NCSLT can get a default judgment and begin garnishing wages, freezing bank accounts, or placing liens on your property.
At The Fullman Firm, we help Californians fight back against NCSLT lawsuits—and win.
What is National Collegiate Student Loan Trust (NCSLT)?
NCSLT is not a lender—it’s a group of trusts that bought up large portfolios of private student loans from banks like JPMorgan Chase, Bank of America, and others. These trusts then hire debt collectors and law firms to recover on those loans.
But here’s the key:
Over the years, NCSLT has been accused of poor recordkeeping and lack of proper documentation, leading courts to throw out many of their lawsuits.
The Surge in NCSLT Lawsuits
According to Consumer Financial Protection Bureau (CFPB), NCSLT was involved in over 800,000 private student loans worth more than $12 billion—and many lawsuits against borrowers were filed without the proper evidence.
In California, private student loan lawsuits are on the rise. Many cases end in default judgments simply because borrowers fail to respond in time.
What Happens if NCSLT Sues You?
Once you’re served with a lawsuit, you typically have 30 days to respond in California.
If you don’t respond, NCSLT can:
- Garnish up to 25% of your wages
- Levy your bank accounts
- Place a lien on your property
⚠ Even if you think you owe the debt, NCSLT still must prove they have the legal right to collect—and that the amount is correct.
How The Fullman Firm Fights NCSLT
At The Fullman Firm, we focus exclusively on defending Californians sued for debt, including private student loans from NCSLT.
1️⃣ Respond Immediately
We file a legal response that prevents a default judgment and forces NCSLT to prove its case.
2️⃣ Demand Proof
We challenge their evidence—loan agreements, payment histories, and ownership documentation. Missing or faulty records can lead to case dismissal.
3️⃣ Negotiate or Win in Court
If settlement is the best option, we push for a fraction of the claimed amount. If not, we take the fight to trial.
Why Work With The Fullman Firm?
✔ Extensive Debt Defense Experience
We’ve defended thousands of debt lawsuits in California, including private student loan cases.
✔ Transparent, Affordable Fees
We charge a small flat fee and don’t profit unless we save you money.
✔ Flexible Payment Plans
We offer financing through ClientCredit, powered by Affirm, so you can hire us without delay.
✔ Direct Access to Your Attorney
You’ll work directly with the same attorney from start to finish.
What If NCSLT Already Has a Judgment Against You?
It’s not over.
We’ve successfully vacated judgments, lifted wage garnishments, and unfrozen bank accounts—especially when clients were not properly served or NCSLT couldn’t prove its case.
Take Action Now
If you’ve been sued by National Collegiate Student Loan Trust, you must act quickly.
Every day you wait increases the risk of losing your paycheck or bank account to garnishment.
📞 Call us at (877) 227-2872 or request your free consultation online. We’ll review your case, explain your options, and create a strategy to protect you.
Links:
👉 Learn how to respond to a debt collection lawsuit in California
