Collector - May 2017 - 23

Institute's Graduating with Debt, and rulings
have been inconsistent.
"But I think attorneys are getting more
sophisticated in saying when something
doesn't look like a student loan," Hauser
noted.
In D'Youville Coll. v. Tucker, the U.S.
Bankruptcy Court for the Western District
of New York ruled that a financial agreement
between a student and an educational
institution for tuition and fees wasn't a
student loan but rather "a running account,"
in part because the agreement in question
lacked a stated amount due as well as a
promissory note. As a result, the borrower
was allowed to discharge the debt in her
bankruptcy case.
And in Citizens Bank v. Decena, a
judge in the Eastern District of New

York allowed the consumer to erase the
student loan debt she took on to attend
a school that falsely represented that it
was accredited. (The case was eventually
sent back to bankruptcy court where it
was overturned because the defendant,
Citizens Bank, hadn't been properly
notified of the lawsuit.)
"I'd say [courts] are tinkering around
the margins in terms of giving relief, but
the vast majority of outstanding federal
student loans, either Direct or FFELP ... are
provided relief generally only through undue
hardship," said Timothy Fitzgibbon, senior
vice president of the National Council of
Higher Education Resources. "And I haven't
seen any significant change or ground made
by attorneys to really loosen the standards
for undue hardship."

"While different undue
hardship tests have
evolved over the years,
those tests still have to
be applied by a judge
and that means there's
some subjectivity
involved. One judge's
undue hardship is
another judge's plainold hardship."

ACA INTERNATIONAL

FALL FORUM & EXPO

2017

CHICAGO

NOV 1-3

LOEWS CHICAGO

Mark Your Calendars!
COLLECTOR 05.17

23



Table of Contents for the Digital Edition of Collector - May 2017

Upfront
Industry News
Best Practices
FYI
Collection Tips
At Your Service
A Clean Slate
ACA International’s 2017 Convention and Exposition Feature
Calendar
Honor Roll
Spring Cleaning for Your Business
Sun Tzu and the Art of Collection Sales
We Have to Stop Meeting Like This
ACA Files Brief in Pivotal Case Challenging CFPB’s Structure and Power
Compliance
ACA SearchPoint
Last Word
Collector - May 2017 - Cover1
Collector - May 2017 - Cover2
Collector - May 2017 - 1
Collector - May 2017 - Upfront
Collector - May 2017 - 3
Collector - May 2017 - Industry News
Collector - May 2017 - 5
Collector - May 2017 - 6
Collector - May 2017 - 7
Collector - May 2017 - Best Practices
Collector - May 2017 - 9
Collector - May 2017 - FYI
Collector - May 2017 - 11
Collector - May 2017 - Collection Tips
Collector - May 2017 - 13
Collector - May 2017 - At Your Service
Collector - May 2017 - 15
Collector - May 2017 - 16
Collector - May 2017 - 17
Collector - May 2017 - 18
Collector - May 2017 - 19
Collector - May 2017 - 20
Collector - May 2017 - A Clean Slate
Collector - May 2017 - 22
Collector - May 2017 - 23
Collector - May 2017 - 24
Collector - May 2017 - 25
Collector - May 2017 - 26
Collector - May 2017 - 27
Collector - May 2017 - 28
Collector - May 2017 - 29
Collector - May 2017 - 30
Collector - May 2017 - 31
Collector - May 2017 - 32
Collector - May 2017 - 33
Collector - May 2017 - ACA International’s 2017 Convention and Exposition Feature
Collector - May 2017 - 35
Collector - May 2017 - Calendar
Collector - May 2017 - Honor Roll
Collector - May 2017 - Spring Cleaning for Your Business
Collector - May 2017 - 39
Collector - May 2017 - 40
Collector - May 2017 - 41
Collector - May 2017 - Sun Tzu and the Art of Collection Sales
Collector - May 2017 - 43
Collector - May 2017 - 44
Collector - May 2017 - 45
Collector - May 2017 - We Have to Stop Meeting Like This
Collector - May 2017 - 47
Collector - May 2017 - 48
Collector - May 2017 - 49
Collector - May 2017 - ACA Files Brief in Pivotal Case Challenging CFPB’s Structure and Power
Collector - May 2017 - 51
Collector - May 2017 - Compliance
Collector - May 2017 - 53
Collector - May 2017 - ACA SearchPoint
Collector - May 2017 - 55
Collector - May 2017 - Last Word
Collector - May 2017 - Cover3
Collector - May 2017 - Cover4
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