Servicers like Maximus routinely fail in their legal obligation to inform debtors of their rights, and when debtors know their rights - for example, the right to contest wage garnishment - Maximus just ignores their paperwork:
https://escholarship.org/content/qt6rc8r76c/qt6rc8r76c_noSplash_41d21b1b129a7224ae49ae65621f8dda.pdf
Dayen cites a long list of Maximus's documented sins - for example, systematically failing to inform debtors that if they enter loan rehabilitation and make nine payments over ten months, they can avoid default.
17/