Consumer complaint received 2016-09-15
Company: CREDIT WORLD SERVICES, INC.
State: KS
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:
I had taken out a student from XX/XX/XXXX-XX/XX/XXXX. The due dates according to the contact is on XXXX/XXXX/XXXX. Around this time, the economy was bad and I was barely making a living. The XXXX XXXX association called me that year and told me about my loans being past due. I notified them that I could n't make any payments at the time. The XXXX XXXX association informed me that my interest rate would go up and I will be hit with fines and collections. There was nothing I could do about it, so I let it happen. Then XXXX XXXX XXXX XXXX XXXX representative ), sent the information to collections in XXXX XXXX, XXXX, called Credit World Services. Credit World Services called quite a few times in the past and I told them that I did n't have the funds to pay and to stop calling me. In XXXX, I had finished my bankruptcy and wanted to know if a new terms and conditions would be possible with the XXXX XXXX XXXX. So I contacted XXXX XXXX in XXXX, and she asked me if and when I can make a payment. I let her know that I can only afford {$75.00} and she said that is fine. I asked her about the late fees and interest being reduced and she said it does n't seem like it would be an issue on their end, but she will need to reach out to Credit World Services. Since she could n't call them, she decided to have me reach out to them. I contacted Credit World Services and spoke to a female representative. The representative from Credit World Services stated that he does n't know of any such arrangements and she was concerned about Credit World Services getting paid for their services. The representative told me she would have to contact me later until she heard something from the original account. Months pass and then on XXXX/XXXX/XXXX, I get a summons in the mail to appear in court. I was confused about the entire law suit because no one has decided to contact me back. I contacted XXXX XXXX on XXXX/XXXX/XXXX and she told me that she will have to do more research and get back to me. This seems very similar to our last conversation. 
As I am looking at the law, the statute of limitations has passed on the creditor suing me. It has been way more than 5 years, and it violated the FDCPA and FTC. KS Statue 60-520 XXXX payment or acknowledgment of liability. ( a ) Effect. In any case founded on contract, when any part of the principal or interest shall have been paid, or an acknowledgment of an existing liability, debt or claim, or any promise to pay the same, shall have been made, an action may be brought in such case within the period prescribed for the same, after such payment, acknowledgment or promise ; but such acknowledgment or promise must be in writing, signed by the party to be charged thereby. Also, Statue 60-511 states that a lawsuit must be within 5 years upon the agreement, contract, or promise in writing. 
The Credit World Services and XXXX XXXX XXXX are in violation of these acts and it should be investigated.

Company response to consumer: Closed with explanation