Millions of people are going to start being “collected” on. But should they?

The Department of Education and your servicer are legally required to keep your MPN and produce a copy on demand.

I know it’s quaint thinking of me, to you know, rely on the law. But that’s not optional. It’s the legal basis for the debt. It’s the whole contract.

I can’t just storm into Macy’s and demand they pay me a million dollars. That’s not how contracts work. I can’t just make it up.