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NUmber of day before creditor can send to collection agency

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Posted by GSX455 ( on November 10, 2009 at 09:13:41:

My student loan is 18 days past due. I am nnow receoving collection calls and letters from a collection agency. Does anyone know if there is a statue on how deliqunt my account has to be before out source ing. Also BOTH AES student loand ans the collection agency are both calling and trying to collect. Doe anyone have any info that can help me. ]

Thankn you

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