Legal Question in Credit and Debt Law in North Carolina

Your rights concerning Integrity are zero. If Sallie Mae owns the account and sent it for collection then they have the right to recall the account as well. Any deals made by Integrity going forward may or may not be honored.

Regarding your rights to correspondence, you do not have a right to demand that Sallie Mae supply you with correspondence. I am not sure who could have placed this on your account other than you but even if you did you have a right to revoke the cease and desist. Usually, you would send a written letter advising Sallie Mae that you now wish to revoke the cease & desist and speak to them about the account. You also could reiterate that you had a deal with Integrity and would like to continue the same arrangement with Sallie Mae.

Giving anyone permission to raid your bank account when they feel like it is always a BAD idea. I suggest going forward that you consider other alternatives. You might want to use a billpayer service - that way you direct who is paid, when they are paid and by how much, but you do not give anyone the authority to raid your account. Even if a creditor is honest and well intentioned, by giving them the ability to go into your account, if they make a mistake and type in $1310, then you will be fighting to get your money back (assuming you had it in your account) or fighting your bank regarding overdrafts. Better not to give the creditor this power.

Ms. Hunter makes some valid points and I agree with her answer. What may have happened is that Sallie Mae itself put a cease and desist on further collections on your account at its own decision. The only other way a "cease and desist" could have been placed is if you previously sent one to Sallie Mae or if you gave the authority for someone else (a debt settlement company, student loan counselor, etcetera) to request one.

Hopefully, you have a copy of the written agreement that confirms the terms you made with the collection agency. Depending upon what the agreement said, it might be enforceable against Sallie Mae or any new collection agency.If there was no written agreement, you may be out of luck with that.

If you get any new bills or collection letters, you will need to send a written dispute letter certified mail, return receipt requested, explaining your dispute in order to preserve your rights.

I also suggest that you pull your credit report now if you have not done so recently, see how the loan is being reported, and make sure all of your payments were accurately reflected. You can get a free credit report from each of the Big Three agencies once per year by going to www.annualcreditreport.com.