As noted in the answer to the first question, BCPs may then suspend collection activity or amortize a debt after it has been found that the borrower is subject to prolonged holding. [January 8, 2016] Borrowers can file complaints directly with THE BCPs or with the ministry. BCPs are required to refer all valid complaints they receive to the division for verification. Federal Student Aid is in the initial phase of developing a consolidated claims system for all student loan assumption and collection issues. Once completed, this system will simplify and consolidate the complaint process and support additional analysis and targeted oversight. [January 8, 2016] For late borrowers, stopping collections means that no invoices will be sent, there will be no collection efforts, and there will be no compensation or involuntary seizures. .