How To Sue Navient in Small Claims Court

Sue Anyone in Small Claims Court How To Sue Navient in Small Claims Court

How To Sue Navient In Small Claims Court

Have you lost money while servicing your student loans with Navient or received a bad credit score because of Navient’s carelessness? You’re not the only one. Since 2017, there have been many class action lawsuits and individual charges against the massive student loan provider.

If you have problems with Navient, this article will show you how you can get your money back and how you can sue Navient in a small claims court with DoNotPay. 


Plausible Grounds To Sue Navient

For the past couple of years, Navient has been the target of many class actions. They have been sued by the entities listed below:

  1. The Consumer Financial Protection Bureau (CFPB)
  2. American Federation of Teachers
  3. California
  4. Illinois
  5. Mississippi
  6. Washington 
  7. Pennsylvania 

Pursuing a lawsuit against one of the largest student debt collection companies in the US is not an easy task. Before you take your complaints to court, check if Navient has done any of the following against you:

  • Misinformed you of your outstanding payments
  • Threatened you for your inability to pay
  • Encouraged you to choose high-interest repayment plans
  • Wrongly called and charged you for a debt that was not yours
  • Mishandled your loan debt calculation
  • Negatively influenced your credit rating score

You’ll have to prove to small claims court how this has caused you significant economic or non-economic damages.

Types of Legal Actions Against Navient

Even though Navient clauses in it’s contract that shield it from most forms of legal action, you can still get your complaint filed using:

 

Types of legal action: Use when:
Independent Arbitrators 
  • An out-of-court settlement is your preferred choice
  • You want a flexible settlement process
  • Hiring a certified arbitrator is within your budget
Class-action lawsuits
  • There are many people with cases similar to yours
  • A good number of them are also seeking justice
  • A class action is available in your jurisdiction
Consumer Financial Protection Bureau (CFPB)
  • You are not interested in monetary compensation
  • All you want is to expose Navients wrongdoing
  • You lack the resources to pursue a case yourself
Better Business Bureau (BBB)
  • Navient’s customer representative is unable to help
  • You want to try other ways to reach the company instead of suing
  • You want to bring attention to Navient’s bad practices to the public
Small claims court
  • You do not want or need a lawyer
  • Your compensation claim is within $1,000 – $10,000
  • You can afford the fee required by the courts to file a claim
  • You are willing to handle the case on your own

See the section below on how to sue Navient in small claims court the easy way.

 

How To Sue Navient in Small Claims Court

Follow these simple steps to sue Navient in small claims court.

  1. Gather all evidence: Document email exchanges, phone calls, and other forms of communication with the company and its representatives. Have your loan details, plans, and payments ready as well.
  2. Ensure your claim can be remedied by the court: Make sure the desired compensation amount is less than the maximum allowed by your small claims court. Cases with claims above $10,000 may not be suitable for small claims court.
  3. Serve Navient a demand notice: Include your name and other personal information as well as your Navient account details and the reason for your claim. This letter will serve as your final notice before pursuing a case in small claims court.
  4. Fill and file in your claims: Be sure to check the court’s procedures and the fees that come with filing a claim.
  5. Serve Navient your claims: States have different rules regarding the service process. Generally, you can either mail the notice with certified mail or the court clerk does it for you.
  6. Appear in court: Since you won’t be allowed a lawyer, come prepared and ready to make your case.

Use DoNotPay To Sue Navient In Small Claims Court

Preparing a small claims case against Navient by yourself can be confusing and there is a possibility of missing a deadline or messing up in court. Luckily, DoNotPay can help you with the entire process when suing Navient in small claims court. All you have to do is:

  • Log in to DoNotPay and select the Sue Now product
  • Enter the dollar amount you are owed
  • Choose whether you need a demand letter, court filing forms, or a script
  • Select the reason for the lawsuit and submit any additional details, including a statement and photo proof

After you’re done, DoNotPay will generate a demand letter or court filing forms for you. It’ll even mail a copy of your demand letter to Navient. Once you receive a court date, you can come back to Sue Now to get your very own script to prepare!

How to Sue Companies With DoNotPay

Navient isn’t the only company DoNotPay can help you sue in small claims court. Check out some other businesses DoNotPay users have sued using the Sue Now product: