Consumer complaint received 2015-05-01
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint:
Starting XX/XX/XXXX I filed Chapter XXXX bankruptcy for reasons of too many bills and not enough money coming in. In the bankruptcy was my private student loan through XXXX XXXX XXXX XXXX By the bankruptcy laws of XX/XX/XXXX, the loan can not be discharged through the process anymore. On the other hand, the loan is suspended for the duration of the bankruptcy agreement which means I do not have to pay any money towards the student loan with no consequences. After my bankruptcy is discharged, the repayment of the loan is started again. Now I was discharged XX/XX/XXXX. In late XXXX I was contacted by a company called Transworld Systems Inc . The company is a debt collection agency representing XXXX XXXX XXXX. First they did n't offer to prove that the loan is mine and if the amount that they claim that I owe is even correct. We did though come to an agreement for me to pay XXXX dollars every other Friday, which means in a years time I would be one month ahead of scheduled payments. On XXXX/XXXX/XXXX I made the first full payment of XXXX dollars. Two weeks later on XXXX/XXXX/XXXX the XXXX dollars every other week started. I made every payment that they wanted me to make with no issues. On XXXX/XXXX/XXXX was the last payment that they would take from me. Approximately a week later a company called XXXX XXXX XXXX XXXX Contacts me, wanting me to start voluntarily start paying on my XXXX XXXX XXXX XXXX. I told them that I am already repaying my loan with another company ( Transworld Systems Inc XXXX. After they contacted me, I turned around and contacted Transworld system. They told me everything is fine and im still on schedule to keep making scheduled payments every other week. After that was all said and done I did n't think anything of the situation. Three weeks and went by and it was XXXX/XXXX/XXXX. I checked my account to see if the payment of XXXX dollars has been withdrew from my account. It turns out that the payment was not taken from me. I look closer and find that two weeks before this time on XXXX/XXXX/XXXX that the payment was n't accepted then either. I contact Transworld systems to find out why the payment was n't received. They tell me that the account has been closed and I have to call this particular number. I call the number which is for the national collegiate trust people. XXXX now tells me that I have to contact XXXX XXXX XXXX Law firm. I contacted them and now they wanted me to pay more a month that was already agreed upon with the other XXXX XXXX. I told them that I could n't afford the payment of XXXX dollars a month. It was already hard enough to pay XXXX dollars a month as it was. Through all of this not once have I received any kind of paper work or any information of why the account has changed hands especially since there was an original agreement with the original company to repay the loan at XXXX every other week until paid in full at 4 % interest. I do n't even know if XXXX XXXX XXXX or Transworld system inc is even a reputable company but they are expecting me to give them a lot of money without prove of any kind that the amount is correct or not and if it even is my loan. I also have obtained a lawyer to handle all of my issues with this debt collection. They have not once responded to his request for information. They do on the other hand keep contacting me instead of him which I know is a violation of my rights. Since this has started with the changing of people they have put a collections on my credit report in which it is causing me financial ruin especially since the reason of bankruptcy is to get back on track with my finances and my credit report. As of right now Im back where I started 6 years ago. My agreement of repayment has been changed unlawfully without my knowledge. They also want a higher settlement when I owe less money

Company response to consumer: Closed with explanation