The better, correct term is, “resuming regular collection.” This is just what is expected no? The abnormal behaviour was the pause on repayments. Which contextually made sense.

If I default on a loan, a bank can totally garnish my wages if I do not or refuse to pay it back. How is this any different? Was there ever an expectation of not paying back a loan they signed up on?

Hell, they could do much worse, a bank could recall the loan in full, and without means, to pay they could take all my assets by court order. This is not being done here. Which is much better. Worse case could be jail time which won’t happen here as far as I read here and elsewhere.