These student loan lenders and services, including Sallie Mae and Navient, have assigned to Forster & Garbus several thousand student loan debt accounts since the promulgation of Debt Collection Regulation. In the statement of charges announced today, the Department alleges that Forster & Garbus failed to comply with substantiation requirements in several ways, including: In failing to comply with the law, Forster & Garbus acted in an unacceptable manner to consumers. In one instance, a consumer questioned whether she actually owed the student loan debts in question, and requested proof of her liabilities. Forster & Garbus responded by suing the consumer. In another instance, Forster & Garbus delayed responding to a consumer's queries for months beyond the law's 60-day response requirement. Another consumer in severe financial distress and on the brink of homelessness questioned whether a debt actually belonged to her.