; 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