In Re Evans

MEMORANDUM DECISION ON STUDENT LOANS AND COLLECTION CHARGES

KAREN A. OVERSTREET, Bankruptcy Judge.

In these cases, the debtors challenge proofs of claim filed by Educational Credit Management Corporation (“ECMC”) for student loan debt. In particular, the debtors have challenged ECMC’s inclusion of collection costs in the claims, contending that the collection costs are unreasonable and that they constitute postpetition claims not allowable in their bankruptcy cases. Rebecca Valdivia also contends that her loans are eligible for rehabilitation, and that on that basis, any collection costs that…