Consumer complaint received 2019-02-27
Company: Caneel Capital, LLC
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Per OCGA XXXX it has been over 6 years from the date of the last payment and the statue of limitations has expired. Cease and Desist from all collection attempts and cancel the scheduled illegal foreclosure sale of XX/XX/2019 In accordance with the Fair Debt Collection Practices Act, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I respectfully request that you provide me with the following information : ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( Georgia ) Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that : because I have disputed this debt in writing within 30 days of receipt of your notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense ; you can not add interest or fees except those allowed by the original contract or state law. 
you do not have to respond to this dispute but if you do, any attempt to collect this debt without validating it, violates the FDCPA ; Also be advised that I am keeping very accurate records of all correspondence to ensure my rights are protected. 
I have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA. 
Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware of my dispute with this debt. 
Per FDCPA law I also request the name of the original creditor and copies of all assignments pertaining to my mortgage. Per FDCPA law the foreclosure proceedings must be suspended until a full response is made in writing and validation of debt and in addition the name of the original creditor in writing, THE FORECLOSURE MUST BE SET ASIDE UNTIL PROPER RESPONSE CAN BE MADE.

Company response to consumer: Closed with explanation