; and (II) by inserting after subsection (b) the following new subsection (c): (c) (1) The Secretary shall prescribe an administrative process for— (A) the dispute of the existence or amount of an indebtedness subject to subsection (a); and (B) making requests under paragraph (3)(B) of such subsection. (2) The Secretary shall ensure that each dispute under paragraph (1)(A) is adjudicated not later than 120 days after the dispute is filed. (3) The Secretary may not submit to any debt collector (as defined in section 803 of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692a )) any debt pending adjudication under the process prescribed under paragraph (1). (4) Nothing in this subsection shall be construed to prohibit a person from seeking relief from a court of competent jurisdiction. . (ii) Limitations on interest and fees charged during period of dispute Section 5315 of such title is amended— (I) in subsection (b)(1), in the first sentence by striking or (B) and inserting (B) for any period during which the existence or amount of the indebtedness is being disputed under section 5314(c) of this title, or (C) ; and (II) in subsection (c)— (aa) by inserting (1) before The administrative ; and (bb) by adding at the end the following new paragraph: (2) No administrative costs may be charged under this section with respect to an indebtedness described in subsection (a) while the existence or amount of the indebtedness is being disputed under section 5314(c) of this title. . (3) Effective date This subsection and the amendments made by this subsection shall take effect on the date of the enactment of this Act and shall apply with respect to deductions made under section 5314 of such title on or after such date. (b) Limitation on authority To sue To collect certain debts (1) In general Section 5316(a) of title 38, United States, is amended— (A) in paragraph (1), by striking (2) and (3) and inserting (2), (3), and (4) ; (B) by redesignating paragraph (3) as paragraph (4)