Because of an arbitration clause written into your Navient terms of service contract, you can sue the company only in small claims court. The process can be demanding, but most plaintiffs find it rewarding.
Small claims courts are only for certain types of claims. The first step is to make sure your claim qualifies for small claims court hearings. There are two things you should know about the process:
Most small claims courts require that you ask the the defendant to fix your problem voluntarily before you file a claim. If you decide to sue Navient in small claims court, you first need to send the company a demand letter.
Your demand letter should be simple and straightforward; tell Navient who you are (your name, address, phone number and account number), what the problem is, and what you want from the company. The letter should not run more than three or four sentences. Remember you are simply checking a box on your to do list before you file a claim.
When you’re done writing the demand letter, you need to mail a hard copy of the letter to the company’s legal address. Make sure to send the demand letter by certified mail to ensure Navient receives it. Navient is based in Delaware and receives mail at the following address :
Navient Solutions, LLC
CORPORATION SERVICE COMPANY
251 LITTLE FALLS DRIVE
WILMINGTON, DE 19808
If you would like examples of demand letters or more information about how to write them, you should read this informative guide.
When you’re done filling out the court forms, it’s time to send the forms to the court. This process called “filing” can be frustrating.
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