The Long Memo (TLM)

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.