Consumer complaint received 2016-12-16
Company: LOAN TO LEARN
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Back in approximately XXXX I took a student loan from Loan to Learn ( aka Educap ) for approximately {$19000.00}. In early XXXX I filed for Chapter XXXX bankruptcy as my daughter was having severe medical issues and medical bills. In XXXX XXXX the Chapter XXXX was discharged by the judge. During the bankruptcy time frame needed by the judge for his due diligence to ultimately grant me a discharge, which he did in XXXX XXXX, he ordered me to not " pick and choose '' lenders I wanted to pay until his order was finalized. Once my bankruptcy was discharged in XXXX XXXX, I reached out to Loan to Learn ( aka Educap ) wanting to resume payments. They immediately shut the door on my face and began to harass me by being served by their attorney. I then hired XXXX separate attorneys to help me get back into payments with Loan to Learn ( Educap ) but they were also shut down. In XXXX XXXX I was severely injured at work that required immediate intervention by my Connecticut doctors to pull me out of my employer ( XXXX XXXX in XXXXXXXX ) of 24 years. In XXXX XXXX, XXXX my daughter ( a minor ) that I am full custodial parent of and I moved to XXXX, XXXX for cost saving reasons, the fact that XXXX, XXXX has the best medical care known as the XXXX and by the recommendation of my psychologist. In XXXX XXXX, XXXX XXXX, knowing about their actions and negligence caused me permanent damage leaving me no options to work, chose to pay me minimal punitive damages to help me at least with the massive medical bills accrued, basic living expenses and so forth. BUT, Loan to Learn ( Educap ) intercepted such funds to arrive to me and now is in the hands of my student loan attorney ( XXXX XXXX ) in XXXX with no where to go. Simply said, Loan to Learn ( Educap ) is trying EXTORTING from me knowing very well that I am permanently damaged mentally and physically and completely broke with ZERO income for nearly 2 years and counting. My daughter and I are destitute, living on food stamps and Medicaid. Loan to Learn ( Educap ) is EXTORTING from me adding a 70 % charge on top of what I originally owed, claiming I now owe them {$32000.00}? They know I 'm not able to protect myself, not mentally fit ( please see supporting document from my psychologist ), or have funds for my daughter and I to live on. Loan to Learn ( Educap ) is practically trying to steal the punitive damages that is owed to me to pay for my medical bills and have had to cancel most, if not all, of my medical visits, by their bullying and extortion. They have damaged my health even further and my doctors are furious. My daughter and I are being evicted and at the end of XXXX XXXX we will be seeking shelter at the XXXX all due to Loan to Learn ( Educap ) not wanting to accept me making monthly payments to them or simply pay off their original amount out of the punitive damages my former employer sent me, which Loan to Learn/Educap has frozen. So, end of they day, knowing very well that I 'm severely ill, not being able to properly think, concentrate and remember with all the prescribed drugs in my system, this bully and shady company is taking my lack of ability to fend for myself due to my medical conditions and financial state as a way to financial gain by STEALING money from me and EXTORTING. It 's gotten so out of control with this shady and immoral company that the XXXX office is now getting involved and advised me to contact your agency as well. Thank you in advance. XXXX XXXX

Company response to consumer: Closed with explanation