Product: Debt collection

Subject : Urgent Complaint : SCRA Violation, Signature Forgery, Unlawful Debt Collection, Unreported Rent Assistance, and Violation of Legal Procedures by Rent Recovery Solutions Dear Consumer Financial Protection Bureau, I am writing to urgently bring to your attention an egregious situation involving Rent Recovery Solutions, a debt collection agency. It is my firm belief that my rights as a consumer and my legal protections as a servicemember have been severely infringed upon, necessitating your immediate intervention and investigation. 

To offer necessary context, I cosigned for an apartment with my mother, aiming to assist her, before my lease was set to expire. My decision was predicated on the understanding that my mother intended to vacate the apartment within 30 days. Upon enlisting in the United States military, I responsibly informed the apartment complex office of my impending departure, supported by documentary evidence of my military orders. 

However, it has now come to my attention that my mother potentially forged my signature, extending the lease without my consent or knowledge. Despite my complete unawareness, this extended lease was executed. Approximately six months into my military service, Rent Recovery Solutions, seemingly in possession of my income and employment documentation, initiated a debt collection process predicated on a debt traced back to a previous lease. It is my conviction that this debt is intrinsically tied to the extended lease, an extension which I had no knowledge of signing. 

As a servicemember, my rights under the Service Member Civil Relief Act ( SCRA ) hold profound significance. Not only does this Act offer protections from unjust legal actions during military service, but it also necessitates adherence to proper legal procedures. Evidently, my mother 's potential signature forgery and unilateral lease extension may have transgressed these procedures, bypassing my explicit consent and awareness.

Furthermore, I have recently discovered that my mother received a substantial rent assistance stipend amounting to {$15000.00} from an unfamiliar entity. Disturbingly, she neglected to communicate this significant development to me. This undisclosed rent assistance introduces further complexity to the situation and casts doubt on the legitimacy of the debt claim asserted by Rent Recovery Solutions.

Of equal concern is the potential violation of SCRA provisions. The SCRA stipulates that if a landlord or property manager seeks a court order through a default judgment, they are mandated to file an affidavit apprising the court of the tenant 's military status. Should the tenant be in military service, the court must appoint a guardian ad litem to represent the servicemember 's interests. Additionally, the court retains the prerogative to postpone judgment by 90 days if the servicemember is uncontactable or their appearance is required for defense. 

The multifaceted nature of these violations alarms me profoundly. I am urgently requesting your thorough investigation into the practices of Rent Recovery Solutions, with a specific focus on potential SCRA breaches, potential signature forgery, debt collection without legal grounds, nondisclosure of rent assistance, and deviation from legal procedures. 

Moreover, I am in great need of your expert guidance on the steps I must take to address this intricate matter and protect my rights as both a consumer and a servicemember. Your timely assistance and support are of paramount importance as I endeavor to rectify this deeply unsettling situation. 

Thank you for dedicating your time to this matter of utmost urgency. I am eagerly awaiting your response and assistance in rectifying this distressing situation.