<prompt> Human: The company is Fedloan Servicing. I just spoke with them they have been sending me emails to an account I dont check i know i shouldve been checking it regardless but no written letters, calls or anything else that they were sending me to collections. I am so upset my credit was solid before this and now its tanked over 200 points. Please help can I dispute this or am I just royally screwed now.  <response>: Ognshit... Im battling them now. They are fucking horrible. Absolutely. I wish I could help. The phone with them is the best but they tell you that you have to do everything online. Then the online drops the ball and nothing gets done. Ive been fighting since February of this year. 8 months later and still no help. I am praying they collapse. 