Product: Student loan

Firstmark XXXX XXXXXXXX is attempting to collect on an illegally obtained loan, in violation of FTC Rule 16 CFR Part 433 ( " FTC Holder Rule '' ).

The transfer of loan servicing from XXXX XXXX to Firstmark XXXX XXXX means that while the ownership and servicing of loans changed, the terms and conditions of the The current servicer ( Firstmark Services ) is linked to the loan as it was transferred from the original lender XXXX XXXX to Firstmark XXXX XXXXXXXX ( a division of Nelnet ). XXXX  remained the same. Due to school misconduct, Firstmark XXXX XXXXXXXX and Firstmark Services ( the two are indistinguishable ) are legally liable for continuing to enforce a fraudulent loan, failing to provide loan discharge options, and attempting to collect payments even though the loan was purchased knowing that it was illegally obtained by XXXX XXXX due to school misconduct.The original contract was through XXXX XXXX XXXX The school engaged in fraudulent or deceptive practices that directly influenced the decision to take out the loan. The current servicer ( Firstmark Services ) is linked to the loan as it was transferred from the original lender XXXX XXXX to Firstmark XXXX XXXX ( a division of Nelnet ). The transfer of loan servicing from XXXX XXXX to Firstmark XXXX XXXX means that while the ownership and servicing of loans changed, the terms and conditions of the loans remained the same. Due to school misconduct, Firstmark XXXX XXXX and Firstmark Services ( the two are indistinguishable ) are legally liable for continuing to enforce a fraudulent loan, failing to provide loan discharge options, and attempting to collect payments even though the loan was purchased knowing that it was illegally obtained by XXXX XXXX due to school misconduct. 

Since the loan was fraudulently obtained, per multiple state AG and Federal investigations, the loan is in violation of the FTC " Holder Rule '' and has been in valuation since acquiring said loans, unbeknownst to the loan holders. It would also seem ( found per AG investigations ) that the school colluded with a number of lenders such as XXXX XXXX and XXXX ( including others that were not disclosed ). 

The violation is in respect to the fraudulent loan being obtained by Firstmark Services. The loan was fraudulent prior to transfer from XXXX XXXX to Firstmark Services and due to FTC Rule at 16 CFR Part 433, the note is illegal and has been since prior to purchase. Firstmark Services knowingly purchased fraudulent student loans for XXXX XXXX, while ensuring Nelnet ( Fristmark Services parent company ) was safe from risk of losing government funding ( thereby, creating Firstmark Services and via a Trust ). This was intentionally done to violate the law, decimate consumer resources, and most importantly to hide from committing shareholder fraud. Nelnet is a publicly traded company and receives federal funding, therefore it created Firstmark Services to de-risk from funding loss due to consumer & shareholder fraud ). 

Per the LAW and FTC Rule at 16 CFR Part 433 the NOTE IS FRAUDULENT. Based on the closure of XXXX XXXX XXXX XXXX XXXX due to " school misconduct '' /fraud in XXXX  ( it's loss of accreditation and collapse of parent company ), Firstmark XXXX XXXXFirstmark Services are in violation of FTC " Holder Rule ''. The loan is invalid.