India, May 19 -- The Department of Education in the US has resumed collectingdebt from millions of defaultedstudent loans. This collection was resumed for the first time in five years.

Scammers often try to prey on borrowers, so you need to be certain that any call you get is legitimate. You also need to know your rights if a debt collector contacts you.

If you get a call from adebt collector, you must verify if they are legitimate by checking directly with your student loan servicer. You can confirm the status of your loan and know if it has been turned over to collections.

Debt collectors are required to legally provide a written validation notice that details the amount owed, the creditor's name, and your rights. TheFederal Trade Co...