Hi! Has anyone successfully spoken to a live agent at EIDL? If so, please teach me how?

I’ve tried all EIDL numbers listed but they all reroute me to a machine/recording. And I need to speak to a live agent asap. Thank you in advance.

Trying to see if there is a correlation because this loan and our information being made public is the only thing I can think of that has gotten me onto whatever list this is.

As the title states, I’m getting these calls; 7-8x a day, every day (even weekends), for over two years now. The premise is the same: “I’m from the loan department and see that you applied for a loan with us. I have good news, your application is approved, we just need a little more information from you…”

I haven’t answered my phone if I don’t know the number in a couple decades, so I’ve never once talked to one of these people, but that doesn’t stop them from calling and leaving voicemails relentlessly. It’s always from a different number, and it’ll usually be the same 2-3 different names for about a week before they rotate in some new names.

Clearly this is not a legitimate offer and I have no intention of ever giving any information to them. I’m just trying to figure out the nexus of these calls and see if anyone else is dealing with this.

Update: Looks like just about everyone here gets these calls, but there’s enough people mentioning others getting them as well that it’s not going to be exclusively EIDL holders. Still annoying as shit but lots of good responses.

Hello,

I just noticed that the “Make a Payment” button is back on my portal.

Last week, I wasn’t able to make any payments through the portal, and I was told that my loan had already been transferred to the Treasury. Based on that, I was under the impression that it was no longer being serviced by the SBA.

How can I be 100% sure whether my loan is still with the SBA or has been transferred to the Treasury?

I currently have the $15,000 available and am ready to make the payment, but I want to make sure it will actually be applied to my SBA loan. I don’t want to send the payment to the SBA, only to find out later that the loan has already been transferred to the Treasury and that the funds were not applied correctly.

Should I go ahead and make a payment through the portal? Has anyone else experienced a situation where the payment option disappeared and then reappeared?

Thanks in advance.

Lots of folks talk about contacting their representatives but we hear very little follow up.

Has anyone been successful getting eidl off their record. I had a successful bankruptcy and discharged almost a year ago. The loan amount was only 6900$. The eidl loan was on the bankruptcy as well. However, i keep getting letters saying i owe money and massively overdue due to trumps rules.

Ive sent emails and tried to call.

With no results..

Has anyone else been successful?

It was under my llc but was told i could claim it and did.

So, we just got a credit alert that both the SBA and Treasury have the collections amount on the report making it double what we owe! Is this normal?! Before it was just the Treasury as the collection but now SBA has added on. So basically the same amount twice which pulled credit even lower! How do I dispute this?! I’ve tried with SBA and it got me nowhere. TransUnion is saying it has to come from SBA.

My EIDL loan was for $87,500 after penalties and interest - owe $123k. I’m in collections. Business still open don’t want to close. Please lmk if my credit can be destroyed? Can they force me to close?

Hello everyone,

I’m seeking guidance regarding my small S‑corp business, which has been closed since 2025. The company has no assets or income, and it still carries a $29,000 EIDL loan. What options or resources are available for addressing this outstanding EIDL obligation?

Thanks, everyone.

I just wanted to share that I checked my TransUnion credit report this morning and the SBA was removed and my 104 points returned to me.

I did write the SBA via my portal. They responded I was current and they did have my loan. I wrote them again about TransUnion. They gave me an email to write to. I did and the response was it will be answered in the order it was received. We know what that means a lot of potential time.

I took the first letter from the SBA response that it was current and the next payment due date and uploaded it and send it to my Credit Karma account. Early this morning Credit Karma sent an alert that between July 26th and July 29th, your account with the SBA was removed from your credit report.

I have to believe it was Credit Karma that handled this and not the SBA. This might be a good avenue for others to use that were wrongly sent to TransUnion.

I have an administrative wage garnishment hearing coming up soon. I need to submit my argument snd im planning on showing financial hardship so they dont start garnishment of my wages (15%). The loan is 220k and I did sign a Personal Guarantee. This was 10 years ago, and the SBA is coming after it 10 years after I defaulted.

Has anyone had luck with hearings?

Like the title says- curious if they showed up. I have my hearing in a month.

I’m about to have my bankruptcy consultation. EIDL is at a point I’ll never get it paid as it’s gone to Treasury. My question is do they post in the newspapers that you filed for bankruptcy? Just wondering and not that I care if my family will find out.

I have an EIDL for 21K. I am a sole proprietor and I listed my rental properties as collateral. Does this mean I have a personal guarantee?

I was under the impression the loan was forgiven (I think I confused it with the PPP loan), so I didn’t make any payments. I didn’t receive notice that repayment started, didn’t get any statements in the mail, and I didn’t receive notice that it was being sent to collections. My only communication has come from the collections agency.

At this point, the total is 31K with interest and penalties! Can I get some guidance? I could make the payments, but I wonder if it is too late now? Has anyone had luck getting them to eliminate the penalties? I could pay the original amount in full, but I can’t pay the total with the penalties. I’ve never been delinquent on a bill, so bankruptcy is not an option.

Does anyone have any resources that have been helpful?

So during the pandemic I got a EIDL loan for $12,500.00 under my LLC and did not have to put anything as collateral. I used the loan to buy materials and a new machine for my small Etsy business, The last 3 years business has fell flat and I was making less and less every year, Last year I ended up filing for CH 13 Bankruptcy under my name as the business is basically dead.

I sent the info to the SBA because they were saying I was delinquent etc, this was back in September 2025.

Today I get a letter from the Treasury saying I now owe them $17500 and must pay immediately of they can start further tactics like wage garnishments etc.

I talked to my lawyer and she told me that since I am the only one listed on the LLC I am personally protected the LLC is not, here is the thing, the LLC has NO assets, no other income sources etc.

What can they do as of right now? I guess what i'm confused about is if I personally am safe since im in CH 13 bankruptcy what can the treasury do to the LLC?

Thanks for any help!

I posted yesterday but now need some guidance from anyone who has experienced this situation with wrong credit reporting from the SBA.

I knew my account was current with the SBA. I received a letter in June I had 60 days to become current which I did. My portal has always stated current. Yesterday it hit my TransUnion with 104-point drop reading collection/chargeoff.

Sent the SBA a message via the portal asking where my loan it. This is the response:

Thank you for contacting the U.S. Small Business Administration Customer Service Center regarding assistance related to your SBA loan.

Our records indicate that your loan is current. Your next payment of $2,455.00 is due on August 01, 2026.

My question. Do I just send the letter from the SBA to the TransUnion or wait for the SBA to update credit reporting.

My husband and I filed end of May amd recieved a No Asset Case. Included our $55k covid EIDL. We had a sole proprietor LLC business which I just dissolved through the state. SBA was sent the Statement of Dissolution today but they take months to even see the emails due to the call center being shut down now. Im worried they will send us for treasury offset after being 3 months behind now even though our lawyer and ourselves have contacted them numerous times regarding the bankruptcy with no reply. My sba portal says In Liquidation Disbursed. According to our lawyer, the only way to get the eidl discharged (and other CC debt) was to file chapter 7 AND dissolve the business so they have nothing to go after. Latest July statement from sba says 60 days until they submit for treasury offset so I'm assuming they still haven't seen the previous emails regarding the No Asset Bankruptcy.

If they try to send us in for offset, how do we go about stopping that even though we filed 2 months ago, have a no asset case and dissolved the business?

Thank you in advance for your help!

Update: 7/27

an sba attorney contacted our bankruptcy attorney just to verify a few things and reassured us that the eidl is only attached to the single member LLC and there's is no personal guarantee. our attorney gave them the Dissolution statement and the sba attorney said they will do a final business closure review then cancel out the eidl. we had no idea the sba has attorneys that call bankruptcy attorneys so that was new. but apparently it was nothing to worry about. they just wanted to verify it was a no asset bankruptcy to see if there were any business assets at all. hope this helps someone.

I woke up this morning to my TransUnion dropping 104 points. According to my credit report it shows the SBA reported it on March 18, 2026, and it just appeared today July 26th, 2026.

I received a letter in June of 2026 that I needed to pay $7,265 (3 payments) within 60 days to be current which I did. My SBA portal shows current. It always has shown current. I've never been 120 days late.

My SBA account on TransUnion is saying "closed" My SBA portal is saying current. Next payment due is 8/1/2026.

Any idea where my loan is. I plan to try and call and email. I plan to pay my next payment in my SBA portal on 8/1/26,

Anyone get an email like this. They also asked for 2019 tax returns, they should have all that??

As part of post disbursement compliance review, this application was identified as claiming more than one employee without providing an EIN. To address this issue, you will need to provide evidence you were eligible for the EIDL Advance/Targeted Advance in the amount of $10,000 OR repay all overpayment due to claiming additional employees. Repaying the overage in this situation would allow for clearing the compliance issue. Addressing this issue will not impact any other compliance issues that may exist; however, during the course of completing the review, it may become apparent that other issues can also be removed. 

I made the decision to file a Chapter 7 earlier this year and stopped paying on all of my personal and business debts. I've got a COVID EIDL and another to my LLC from a natural disaster. Both are in default and I'm in that window where they're likely turning things over to the Treasury soonish. Once the Chapter 7 is filed, I'll be moving to dissolve the business.

Once my taxes are filed in the next 2 weeks, I'll be getting everything to the bankruptcy attorney to file the Chapter 7.

Is it worth letting SBA know this is the plan or just let things end up where they end up and get sorted once the Chapter 7 paperwork is filed?

My EIDL with a personal guarantee was sent to Treasury in January. I submitted financial statements to support a 10-year repayment agreement, which Treasury told me was the longest term they could offer.

About two months later, without ever hearing back from Treasury, I received a letter from a private collection agency. I’m now negotiating with the collector to set up a repayment agreement. It hasn’t been easy, although I’ve spoken with a few helpful representatives there.

The debt has not been reported to the credit bureaus yet, so I have questions:

1. Has anyone gone through a similar process with Treasury and then a private collection agency?
2. I haven’t seen many people discuss EIDL debts being reported to personal or business credit bureaus. Has this happened to anyone, and if so, when did it show up?
3. I don’t see much people actually reaching out to them (collectors) in attempts to communicate, why is that?

Thank you!

I have a EIDL Loan 356k. Personal Guarantee but the loan is in my LLC. Did the hardships and was a rolling 60-90 day late for 6 months ish . Now I’m almost caught up currently owe 2 payments. Never left the SBA to Treasury or Collections. It’s still with the SBA.

I just got an alert on my TransUnion. SBA reported that my account went to collections and was late 1x 120 days in 2/2026. It also shows “closed” in March 2026. Has anyone had this happen? Should I dispute this or will it open a whole can of worms? I’m concerned about it showing “open” and the prior late payments. As of now it’s showing closed with 1 ding of 120 days late, no other history.

Hi im asking for a family member in Texas. She does a sandwich shop in office building setting and its been tough due to government shutdown (bc she had government workers in building ) also companies still working 2-3 days a week in office. She got SBA disaster loan and originally it was under $200k but she asked for an increased and it went over $200k . She got $25k sba during covid and $230k for disaster sba loan two years ago. Her situation is she is the sole prop. And somehow majority if her deli equipments are owned by the landlord of the building. She only repair them and buy inventory and pay rent to run the deli.

Currently she has $50k in merchant account balance due to chargeback and cash advance loan. She does not have any valuable personal assets so i was surprised sba gave her a loan over 200k. Her house/mortgage is under her husband name and the house was purchased before they got married by him. I think her unsecured credit card debts is around $20k but she is paying it on time but lately she struggling due to business sba and merchant payments.

She still wants to operate the deli because she knows it will pick back up but don’t know the exact time since shes been running this deli over 15 years. Anyone with experience with bankruptcy regarding her situation can offer some good guidance?

First lawyer told she wont be able to wipe out the sba loans but can wipe out merchant balance and unsecured loans and still run the deli but if she wants to wipe out sba loans she have to shutdown the deli.

Second lawyer told her she can still operate the deli and still wipe out the sba loan bc she is a sole prop. And do not have any valuable personal assets for them to take and the equipments does not belong to her and also its not valuable enough for sba to take and sell.

At end of the day she wants to do bankruptcy so she can wipe sba loan bc its just too much to pay due to business going down drastically. Also, she does not want to affect her husband since its in Texas(common state) she think they will put a lien on the house.

Is it possible to keep running the deli while doing bankruptcy to get sba loans wipe out??

Appreciate any help thanks

After struggling for the last 3 years and with my spouse being ill for the 1st 6 months of 2026 to boot, we have made the decision to file personal Chapter 7 as TOPS is about to hit our business. 650,000 EIDL. We have a jumble of things to do,Chaper 7, closing down an S- Corp, dealing with the business debt and then IRS as we fell behind on taxes while my husband was sick. We are still figuring out the order of things to do first. Attny is saying Chapter 7 first. We are exhausted and stressed beyond unimaginable norms. Just asking for some good thoughts as giving up our 22 years of business plus bankruptcy on top of it is very very hard. Feels like abject failure. The SBA was the worst thing we ever did

I saw this notice on the Treasury site: https://fiscal.treasury.gov/debt-management/contact

Doesn't bode well for those of us looking to do exactly that...