Student Loan Law: 8.7 Vacating Collection Judgments
Borrowers may already have judgments entered against them. In these cases, advocates should consider attempting to vacate the judgments. This is especially critical because borrowers have fewer rights if judgments have already been entered against them. For example, they may not consolidate or rehabilitate loans in these circumstances.376 Advocates may negotiate with creditors to vacate judgments or file motions in court.377