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National Collegiate Student Loan Trust

National Collegiate Student Loan Trust – Have they sued you?

Have you received a collection letter from National Collegiate Student Loan Trust or one of its attorneys? has a lawsuit been filed against you by National Collegiate? If you have been contacted by NCT, then contact our office right away for a free, no obligation consultation.

National Collegiate Student Loan Trust is a company that purchases allegedly delinquent private student loan debt. We have seen a dramatic increase in the filing of these National Collegiate cases across Pennsylvania since mid 2013. These student loans are always very old and in most cases have been in default for quite a long time. On many of these claims, our clients have NEVER made a payment on the loan and this raises serious Statute of Limitations issues. We have also seen several instances where NCT has lied about payments being made, simply to “prove” that their lawsuit is filed within the SOL.

Most of the National Collegiate Student Loan Trust lawsuits are defective or incomplete. When a party files a lawsuit on a student loan in Pennsylvania there are several issues that need to be set forth in the lawsuit. In other words, facts and documents must be set forth that tend to prove that you had a student loan with some private lender, that you defaulted on it, that it is within the applicable statute of limitations, and, that you owe the amount that is alleged to be due and owing. On top of all of that, National Collegiate has the added burden of proving that they are the current owners of the loan, and this is generally proven through the production of a document titled an “Assignment”.

In my experience with these student loan cases, I have found that the lawsuits filed by National Collegiate are almost always legally insufficient at the onset. That means that they cannot initially meet the above mentioned criteria. We object to these lawsuits on insufficiency grounds with great success. If our objections stick, then the lawsuit is over and you do not owe the debt/loan.

In the event that National Collegiate  is able to cure the insufficiency objections, and we have seen them come close to doing this on several cases recently, then we then move on to defending the claim on its legal merits, i.e. whether you actually had the student loan, whether you actually defaulted on it, when the alleged default occurred, whether the amount is correct, et cetera. Between part one and part two of our defense strategy in defending National Collegiate lawsuits, our success rate is very high. As of the date of this writing, mid 2015, we have not lost a National Collegiate lawsuit yet… all have either been dismissed or withdrawn or the case is still active.

National Collegiate has been very aggressive in filing these cases. They have been able to produce various loan documents for many of our clients, including signed applications and partial payment histories. Fortunately, we have been able to defend the cases with great success based upon our knowledge of the law and the hurdles that they face when trying to collect on these student loan accounts. We also have found that many of these claims are time barred, that is, they are filed beyond the applicable statute of limitations, as mentioned above.

Our firm has a great deal of experience in defending student loan collection cases. If you have been sued in any Pennsylvania county by National Collegiate Student Loan Trust or another collection agency, our firm can help you defend this claim at minimal cost, with a great chance at success. Contact our office here, call me at 412-823-8003.

Contact Us

Greg Artim, Esq.
Morrow & Artim, P.C.
1751 Lincoln Highway
North Versailles, PA 15137

Phone: 412-823-8003
Fax: 412-386-3184


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Student Loan Lawsuit?

We fight National Collegiate Student Loan cases every day. Call us at 412-823-8003 for a free, no obligation consultation.