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Case 4:18-cv-00806-SBA Document 33 Filed 03/02/18 Page 1 of 3 

DAVID C. SHONKA 

Acting General Counsel 

SARAH SCHROEDER, Cal. Bar No. 221528 

ROBERTA TONELLI, Cal. Bar No. 278738 

EVAN ROSE, Cal. Bar No. 253478 

Federal Trade Commission 

901 Market Street, Suite 570 

San Francisco, CA 94103 

sschroeder@ftc.gov, rtonelli@ftc.gov, erose@ftc.gov 

Tel: (415) 848-5100; Fax: (415) 848-5184 

UNITED STATES DISTRICT COURT 

NORTHERN DISTRICT OF CALIFORNIA 

OAKLAND DIVISION 

FEDERAL TRADE COMMISSION, 

Plaintiff,

 vs. 

AMERICAN FINANCIAL BENEFITS 

CENTER, a corporation, also d/b/a AFB and AF 

STUDENT SERVICES; 

AMERITECH FINANCIAL, a corporation; 

FINANCIAL EDUCATION BENEFITS 

CENTER, a corporation; and 

BRANDON DEMOND FRERE, individually 

and as an officer of AMERICAN FINANCIAL 

BENEFITS CENTER, AMERITECH 

FINANCIAL, and FINANCIAL EDUCATION 

BENEFITS CENTER,

 Defendants. 

Case No. 4:18-cv-00806-SBA 

DECLARATION OF DAVID 

GONZALEZ IN SUPPORT OF 

FEDERAL TRADE COMMISSION’S 

MOTION FOR PRELIMINARY 

INJUNCTION 

DECLARATION OF DAVID GONZALEZ IN SUPPORT OF FEDERAL TRADE 

COMMISSION’S MOTION FOR PRELIMINARY INJUNCTION

 4:18-CV-00806-SBA 
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DECLARATION OF DAVID GONZALEZ 

1. My name is David Gonzalez. I am an investigator for the Federal Trade 

Commission. As an FTC investigator, my duties include investigating persons or companies 

suspected of engaging in deceptive practices in violation of the Federal Trade Commission Act 

and other laws or rules enforced by the FTC. The following statements are within my personal 

knowledge and if called as a witness I could and would competently testify thereto. 

2. On February 6, 2017, the FTC' s Bureau of Consumer Protection authorized me to

tape record telephone conversations, preambles, and other messages during calls placed to or 

received from phone numbers associated with American Financial Benefits Center and related 

entities. 

3. On March 14, 2017, I placed an undercover call to (800) 488-1490. This toll free 

number appeared on American Financial Benefit Center's website, afbcenter.com. Attached 

hereto as Gonzalez Attachment A is a true and correct copy of my March 14, 2017 undercover 

call recording to (800) 488-1490. 

4. On April 25, 2017, For The Record, Inc., an independent court reporting 

company, provided a transcript of my March 14, 2017 undercover call. I reviewed the transcript 

for accuracy and attached hereto as Gonzalez Attachment B is a true and correct transcript of 

my undercover call to (800) 488-1490. 

5. One of the representatives I spoke with during my March 14, 2017 call to (800) 

488-1490 requested my email address. I gave the representative my undercover email address. 

On March 14, 2017, I received an email at my undercover account from an Ameritech Financial 

email account. Attached hereto as Gonzalez Attachment C is a true and correct copy of the 

March 14, 2017 email I received from Ameritech Financial, with my undercover email address 

redacted. Attached hereto as Gonzalez Attachment D is a true and correct copy of the 

document linked to the March 14, 2017 email I received, Gonzalez Attachment C. 

Gonzalez Declaration - Page 1 

Case 4:18-cv-00806-SBA Document 33 Filed 03/02/18 Page 2 of 3 
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6. I declare under penalty of perjury that the foregoing is true and correct. Executed 

on ____ _cM_ A_;__Y_ 1,--=-Z-___ _, 2017, in Los Angeles, CA. 

David Gonzalez 

Gonzalez Declaration - Page 2 

Case 4:18-cv-00806-SBA Document 33 Filed 03/02/18 Page 3 of 3 
 

Case 4:18-cv-00806-SBA Document 33-1 Filed 03/02/18 Page 1 of 1 

Gonzalez Attachment A is in physical form only, and maintained in the case file at the 

Clerk’s office. 

If you are a participant on this case, this Attachment will be served in physical form. 

For information on retrieving this filing directly from the court, please see the court’s main web 

site at http://www.cand.uscourts.gov under Frequently Asked Questions (FAQ). 

This Attachment was not efiled for the following reason: 

Non Graphical/Textual Computer File (audio, video, etc.) on CD or other media. 
Case 4:18-cv-00806-SBA Document 33-2 Filed 03/02/18 Page 1 of 66 

Gonzalez Attachment B 
 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

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Case 4:18-cv-00806-SBA Document 33-2 Filed 03/02/18 Page 2 of 66 

1 OFFICIAL TRANSCRIPT PROCEEDING 

2 

FEDERAL TRADE COMMISSION 

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MATTER NO. 1723027 

6 

TITLE AMERICAN FINANCIAL BENEFITS CENTER 

7 

DATE RECORDED: MARCH 14, 2017 

8 TRANSCRIBED: APRIL 25, 2017 

9 PAGES 1 THROUGH 65 

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12 TELEPHONE CONVERSATION WITH SUSANNE AND DANIEL 

WS710085 

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24 For The Record, Inc. 

25 (301) 870-8025 - www.ftrinc.net - (800) 921-5555 

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Case 4:18-cv-00806-SBA Document 33-2 Filed 03/02/18 Page 3 of 66 

FEDERAL TRADE COMMISSION 

I N D E X 

RECORDING: PAGE: 

Conversation with Susanne 4/21 

Conversation with Daniel 12 

For The Record, Inc. (301) 870-8025 - www.ftrinc.net -

(800) 921-5555 

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Case 4:18-cv-00806-SBA Document 33-2 Filed 03/02/18 Page 4 of 66 

FEDERAL TRADE COMMISSION 

In the Matter of: ) 

American Financial Benefit ) Matter No. 1723027 

Services ) 

------------------------------) 

March 14, 2017 

The following transcript was produced from a 

digital file provided to For The Record, Inc. on April 

6, 2017. 

For The Record, Inc. (301) 870-8025 - www.ftrinc.net -

(800) 921-5555 

Gonzalez Attachment B - 3
 

 

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Case 4:18-cv-00806-SBA Document 33-2 Filed 03/02/18 Page 5 of 66 

P R O C E E D I N G S 

- - - - -

MR. GONZALEZ: My name is David Gonzalez, 

I’m an investigator at the Federal Trade Commission in 

Los Angeles, California, and this is a taping session. 

Today is Tuesday, March 14, 2017, and the time is 

approximately 9:44 a.m. 

I am preparing to call American Financial 

Benefits Center. I will be using the name 

. The phone number I will be dialing is 1-800-

488-1490. 

TELEPHONE CONVERSATION WITH SUSANNE 

RECORDED MESSAGE: This call may be 

monitored and recorded for quality assurance and 

training purposes. Thank you for calling American 

Financial Benefit Center. Your call is very important 

to us. Normal business hours are Monday through 

Friday from 7:00 a.m. to 6:00 p.m. Pacific standard 

time. If you know your party’s extension, you may 

dial it at any time. 

For our program enrollment department, press 

one. 

For customer service, press two. 

For billing, press three. For The Record, Inc. 

(301) 870-8025 - www.ftrinc.net - (800) 921-5555 

Gonzalez Attachment B - 4
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Case 4:18-cv-00806-SBA Document 33-2 Filed 03/02/18 Page 6 of 66 

For verification, press four. 

For document collection, press five. 

For underwriting, press six. 

And for all other inquiries, press zero or 

remain on the line for the next available 

representative. 

RECORDED MESSAGE: You have reached the 

customer service department for American Financial 

Benefit Center. Thank you for your patience. The 

next available customer service representative will be 

with you shortly. 

(Brief pause.) 

RECORDED MESSAGE: This call may be 

monitored and recorded for quality assurance and 

training purposes. 

RECORDED MESSAGE: Thank you for your 

patience. The next available agent will be with you 

shortly. 

(On-hold music.) 

RECORDED MESSAGE: Thank you for your 

patience. The next available agent will be with you 

shortly. 

(On-hold music.) 

RECORDED MESSAGE: All agents are currently 

assisting other customers. If you’d like to reserve For 

The Record, Inc. (301) 870-8025 - www.ftrinc.net - (800) 921-5555 

Gonzalez Attachment B - 5
 

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Case 4:18-cv-00806-SBA Document 33-2 Filed 03/02/18 Page 7 of 66 

your place in line and receive a call back from the 

next available agent, please press one now or continue 

to hold and someone will be with you shortly. Thank 

you. 

(On-hold music.) 

REANNA: Thank you for calling into customer 

service. This is Reanna. How may I help you? 

MR. GONZALEZ: Hi, how are you doing? 

REANNA: I’m doing well. Can I have the 

name of the client file? 

MR. GONZALEZ: I’m a -- I don’t think I have 

a file. I’m just calling to find out what you guys 

can do for -- to lower my student loans. 

REANNA: All right. Let me just put you on 

a brief hold and I’ll get you over --

(On-hold music.) 

SUSANNE: Hi, my name is Susanne. This is 

Ameritech Financial, and Reanna just sent you over to 

me. I am an account specialist here. And what I’d 

like to do is, so I can better help you, get a little 

bit of information. What is your first and last name? 

MR. GONZALEZ: Sure. It’s 

SUSANNE: , okay. Last name again? 

? 

MR. GONZALEZ: . For The Record, Inc. 

(301) 870-8025 - www.ftrinc.net - (800) 921-5555 

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Case 4:18-cv-00806-SBA Document 33-2 Filed 03/02/18 Page 8 of 66 

SUSANNE: Spell that, please. 

MR. GONZALEZ: 

 -

SUSANNE: Uh-huh. 

MR. GONZALEZ: --

. 

SUSANNE: And what state are you calling 

from? 

MR. GONZALEZ: California. 

SUSANNE: Okay. And hold on here. Okay. 

MR. GONZALEZ: So you’re Ameritech? 

SUSANNE: Ameritech Financial, yes. 

MR. GONZALEZ: Oh, okay. I thought I was 

calling American Financial Benefits Center. 

SUSANNE: No, uh-uh. Hold on just a second. 

(Brief pause.) 

SUSANNE: Help me type here. I’m going to 

put you on a brief hold. I’m trying to update a file 

here for you and I can’t do it. Hold on, okay? 

MR. GONZALEZ: Sure. 

SUSANNE: Okay. 

(On-hold music.) 

SUSANNE: Hi, 

MR. GONZALEZ: 

- ? 

Yeah? 

SUSANNE: Okay. How much do you owe in 

federal student loans at this time? For The Record, Inc. 

(301) 870-8025 - www.ftrinc.net - (800) 921-5555 

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Case 4:18-cv-00806-SBA Document 33-2 Filed 03/02/18 Page 9 of 66 

MR. GONZALEZ: It’s about $30,000. 

SUSANNE: Okay. 

MR. GONZALEZ: Approximately. So -- so I’m 

trying to find out what I can prequalify for, because 

I saw your website. Well, I saw the American 

Financial Benefits website. 

SUSANNE: Mm-hmm. 

MR. GONZALEZ: And --

SUSANNE: Okay. 

MR. GONZALEZ: -- called up --

SUSANNE: So -- so what I’m going to do is 

give you a brief description of the program by 

explaining what it is and what it does for those who 

qualify. , you may be eligible for federal 

student loan repayment programs that may reduce your 

payments. 

Now, these repayment plans, they are 

designed to make your student loan debt more 

manageable by reducing that payment. After making a 

series of qualifying payments, whether it’s a 10 or 

25-year term depending on the program, that any 

remaining balance may be eligible for forgiveness by 

the Department of Education. 

So here we do assist you if you’re 

overwhelmed with reviewing or you don’t have time to For 

The Record, Inc. (301) 870-8025 - www.ftrinc.net - (800) 921-5555 

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Case 4:18-cv-00806-SBA Document 33-2 Filed 03/02/18 Page 10 of 66 

review. Certain government programs that lower your 

payments depending on your income, your occupation and 

people you support, it’s something you can try 

navigating through the application process on your 

own. However, we have systems in place that make this 

process very fast and efficient. We do work with you 

and prepare the application package that we submit to 

the Department of Education on your behalf. 

MR. GONZALEZ: Uh-huh. Okay. So you guys 

work with Ed directly? 

SUSANNE: Mm-hmm. Excuse me? 

MR. GONZALEZ: You guys would work with the 

Department of Education directly? 

SUSANNE: Correct, mm-hmm. 

MR. GONZALEZ: Okay, good. Because that’s 

who my loans are with. 

SUSANNE: Okay. So if you owe $30,000, are 

you currently making monthly payments? 

MR. GONZALEZ: Yeah. Yeah, I am. 

SUSANNE: Okay. So -- okay. How much are 

you paying monthly at this time? 

MR. GONZALEZ: Yeah, I think it’s about 

$300. 

SUSANNE: Yikes, okay. 

MR. GONZALEZ: Yeah, I know. 

Inc. (301) 870-8025 - www.ftrinc.net - (800) 921-5555 

For The Record, 

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Case 4:18-cv-00806-SBA Document 33-2 Filed 03/02/18 Page 11 of 66 

SUSANNE: So what I’ll do is I’ll ask you a 

few basic questions, prepare that quote, then we’ll 

move forward here. What is your current occupation or 

job title? 

MR. GONZALEZ: Process -- I’m a processor --

benefits processor. I work for Social Security. 

SUSANNE: Benefits processor. 

MR. GONZALEZ: Yeah. 

SUSANNE: So you work for Social Security, 

right? 

MR. GONZALEZ: Yeah, yeah. 

SUSANNE: Okay. Good. You work at least 30 

hours a week? 

MR. GONZALEZ: Yep, full-time. 

SUSANNE: Okay, perfect. And Social 

Security Administration? 

MR. GONZALEZ: Yes. 

SUSANNE: Okay, perfect. 

MR. GONZALEZ: So, really quick --

SUSANNE: And are you single or --

MR. GONZALEZ: I’m sorry, go ahead. 

SUSANNE: Hmm? No, it’s okay. Are you 

single or married? 

MR. GONZALEZ: Not married, single. 

SUSANNE: So single, okay. Do you have a For 

The Record, Inc. (301) 870-8025 - www.ftrinc.net - (800) 921-5555 

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Case 4:18-cv-00806-SBA Document 33-2 Filed 03/02/18 Page 12 of 66 

question before I move forward? 

MR. GONZALEZ: Yes. Well, I thought I was 

calling American Financial. So you told me you guys 

are Ameritech? 

SUSANNE: Ameritech Financial, correct. 

MR. GONZALEZ: So who --

SUSANNE: We’re not a finance -- we’re not a 

finance company. You don’t want to refinance your 

federal student loans into a private sector because 

then that eliminates you from being qualified for a 

federal program that you could be eligible to receive 

some form of forgiveness. 

MR. GONZALEZ: Yeah. See, I was worried 

about that because I don’t want to -- I don’t want to 

just refinance and then just, you know, through a 

private bank or something and then --

SUSANNE: Right. 

MR. GONZALEZ: -- if you guys are working 

with --

SUSANNE: That disqualifies you. That’s 

right. We can’t enroll anybody with private loans. 

These are all -- because it’s not our program, 

, it’s a federal program --

MR. GONZALEZ: Okay. So are you guys -- are 

you guys a government agency? For The Record, Inc. (301) 

870-8025 - www.ftrinc.net - (800) 921-5555 

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Case 4:18-cv-00806-SBA Document 33-2 Filed 03/02/18 Page 13 of 66 

SUSANNE: No, we are not. 

MR. GONZALEZ: Oh, okay. But you work with 

Ed. 

SUSANNE: Excuse me? 

MR. GONZALEZ: You work with Ed, you said, 

with Department of Education. 

SUSANNE: No. Hold on just a second here. 

(On-hold music.) 

DANIEL: Hey, , this is Daniel, one 

of the underwriters. Susanne had to step out. So I 

can answer your questions for you. 

MR. GONZALEZ: Oh, okay. All right. 

DANIEL: And did you receive a letter in the 

mail? 

MR. GONZALEZ: No, I didn’t. I just saw the 

website. 

DANIEL: Oh, okay. Which website was that, 

the --

MR. GONZALEZ: I saw --

DANIEL: -- Ameritech website? 

MR. GONZALEZ: I’m sorry? 

DANIEL: Was it the Ameritech website? 

MR. GONZALEZ: No, no. That’s what I told 

Susan [sic] is I saw the American Financial Benefits 

Website and I called the 1-800 number on there, and it For 

The Record, Inc. (301) 870-8025 - www.ftrinc.net - (800) 921-5555 

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Case 4:18-cv-00806-SBA Document 33-2 Filed 03/02/18 Page 14 of 66 

was transferred and then you guys answered. 

DANIEL: Okay, great. Yeah, no problem. 

And then are you -- you currently have federal student 

loans? 

MR. GONZALEZ: Yes, I do. 

DANIEL: Okay. And our company, we help 

with the document preparation of (inaudible) reduction 

payment programs and public service loan forgiveness 

programs. Are you familiar with those? 

MR. GONZALEZ: No. That’s what I would like 

to know, is I was asking Susan [sic]. So I would like 

to lower my monthly payment because I’m paying about 

$300 right now a month. 

DANIEL: Okay. 

MR. GONZALEZ: And -- and she was telling me 

that you guys work directly with the Department of 

Education. But you’re not a government agency, right? 

DANIEL: No. And so what we do (inaudible) 

affiliated with government agency. We’re a privately 

held party. So what we do is help with the 

preparation of the documents for the programs that are 

available to you through the Department of Education. 

So we don’t charge any up-front fees for that or 

document preparation. We do the work on your behalf, 

and then that’s when services are rendered after the For 

The Record, Inc. (301) 870-8025 - www.ftrinc.net - (800) 921-5555 

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Case 4:18-cv-00806-SBA Document 33-2 Filed 03/02/18 Page 15 of 66 

fact. So who’s your loan servicer right now? 

MR. GONZALEZ: I think it’s called -- it’s 

with Department of Ed, I think it’s Mohela or 

something like that. 

DANIEL: Oh, Mohela, yeah. We’re familiar 

with them. 

MR. GONZALEZ: Oh, okay. Is that how it’s 

pronounced? 

DANIEL: Have you looked into getting into 

one of these income-based reduction payment programs 

yet? 

MR. GONZALEZ: Not really. I mean, I saw 

your website and I liked what I saw. But, you know, I 

just wanted to find out more information before, you 

know, I sign up. But -- so are you guys -- you said 

that there’s no up-front costs. But how much do I 

have to pay now or after you guys do -- or later? 

DANIEL: Our document preparation is $800 

once the work has been completed. So that’s not up 

front; that’s as we are doing this. And so what we 

do, so you know, is we look at what your current loan 

amount is, look at what the current payments would be, 

look at what you would pay over the shelf life of that 

loan with your payments, and then we look at what 

programs that you would be eligible for and then see For 

The Record, Inc. (301) 870-8025 - www.ftrinc.net - (800) 921-5555 

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Case 4:18-cv-00806-SBA Document 33-2 Filed 03/02/18 Page 16 of 66 

what the savings would be for you. 

MR. GONZALEZ: So it would be $800 after you 

guys do the document preparation? 

DANIEL: Yeah. And I’ll have Susanne, when 

she gets back, go over that, how that -- how we can 

break that payment out for you (inaudible). 

MR. GONZALEZ: Yeah, right. So if I can’t 

afford that right now, can I pay after the loan has 

been modified? 

DANIEL: Yeah. So what we would do is we 

would process the (inaudible) to Mohela to put your 

loans in a state of forbearance so you’re not 

(inaudible). We would push the payment out for about 

30 days while the work is being done. We would look 

at your, you know, finances and see what --

MR. GONZALEZ: Hello? 

DANIEL: -- you know, can you hear me? 

MR. GONZALEZ: Oh, sorry. Yeah, it was 

cutting off a little. 

DANIEL: Hello? Yeah. No problem. No, we 

would see what payment plan would be the most 

beneficial for you, and, you know, for your income and 

then we would go from there. 

MR. GONZALEZ: Oh, okay. 

DANIEL: So if it didn’t make sense, of For The 

Record, Inc. (301) 870-8025 - www.ftrinc.net - (800) 921-5555 

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Case 4:18-cv-00806-SBA Document 33-2 Filed 03/02/18 Page 17 of 66 

course -- yeah, if it didn’t make sense financially, 

then of course, you know, there would be (inaudible) 

do it. What we would do is look at it and see if 

there is a financial benefit for you for the program. 

Based on a few of the little factors that I’m seeing, 

there should be a benefit to you in the program. 

MR. GONZALEZ: I hope so, I hope so, because 

I would like -- I would like that, you know, once I 

start -- if I can lower my monthly payment, so then 

would my payments go towards the loan? 

DANIEL: In these programs, what you’re 

looking for is not really to pay down the loan, the 

principal or the expense that’s accruing. What you’re 

looking for is what you would be eligible to 

(inaudible) through the Department of Education after 

you’ve made a series of qualified payments. 

MR. GONZALEZ: Mm-hmm. 

DANIEL: So what we would look at is, okay, 

over the shelf life of the loan, this is what you 

would pay, this is what you would be eligible 

(inaudible) after that term, and those are all things 

that Susanne can go over --

MR. GONZALEZ: Okay. 

DANIEL: -- on, you know, your personal 

financial figures. For The Record, Inc. 

www.ftrinc.net - (800) 921-5555 

(301) 870-8025 -

Gonzalez Attachment B - 16
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Case 4:18-cv-00806-SBA Document 33-2 Filed 03/02/18 Page 18 of 66 

MR. GONZALEZ: Right. And so then -- so 

then once it’s processed with you guys, would you guys 

own it? Would you guys own the loan? 

DANIEL: No, no. It stays with the loan 

servicer. All we’re doing is helping with the 

document preparation on a yearly basis. 

MR. GONZALEZ: Oh, got it, got it. I see, 

yeah. So, yeah, you know, like I’m trying to find 

out, you know, as much as I can right now before, you 

know, I sign up. But it sounds good, you know. I 

hope this can work out. 

DANIEL: Yeah. 

MR. GONZALEZ: But how long would it take 

for the process to --

DANIEL: This -- with Susanne, it’s maybe 

45 minutes of going through things. The process to 

get enrolled is about a three-month -- could be up to 

about a three-month process for our processing team 

to --

MR. GONZALEZ: Three-month process, you 

said? 

DANIEL: And I did have -- yeah, for 

everything to get approved. You know, that’s when the 

loans are going into forbearance. One other question 

I did have for you: Who’s your employer right now? For 

The Record, Inc. (301) 870-8025 - www.ftrinc.net - (800) 921-5555 

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Case 4:18-cv-00806-SBA Document 33-2 Filed 03/02/18 Page 19 of 66 

MR. GONZALEZ: Social Security 

Administration. 

DANIEL: Okay. So it’s a government agency? 

MR. GONZALEZ: Yeah, yep. 

DANIEL: Yeah. So there’s even more benefit 

for individuals that work in government agencies, 

public service --

MR. GONZALEZ: Oh, really? 

DANIEL: So I can have -- oh, yeah, much 

bigger benefits. I can have Susanne go over this with 

you as well. 

MR. GONZALEZ: That’s awesome, that’s 

awesome. I would like to -- hopefully that can work 

out. So would I need to contact the Department of Ed 

or what do I need to do? 

DANIEL: No. We do all of that on your 

behalf. 

MR. GONZALEZ: Oh, really? 

DANIEL: Yeah. It’s very similar to let’s 

say if you went to a tax consultant or H&R Block and 

you get paperwork, they processed everything and did 

all the paperwork for you, you would save a heck of a 

lot more money because that’s what they do (inaudible) 

or you doing it directly yourself. 

MR. GONZALEZ: Yeah. For The Record, Inc. 

(301) 870-8025 - www.ftrinc.net - (800) 921-5555 

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Case 4:18-cv-00806-SBA Document 33-2 Filed 03/02/18 Page 20 of 66 

DANIEL: So H&R Block does all the 

contacting with the IRS, they go through all the 

process, they do everything. 

MR. GONZALEZ: Mm-hmm. 

DANIEL: Very similar to what we (inaudible) 

for you and your loan servicer. 

MR. GONZALEZ: I see. So if you guys 

help -- if there’s extra benefits for government, do 

you guys have extra benefits for military? 

DANIEL: No. It’s not us that has the extra 

benefits. It’s the Department of Education. 

MR. GONZALEZ: Oh. 

DANIEL: And so military -- anything within 

public service, fire fighters, police officers, 

teachers of public schools, doctors or nurses at 

public hospitals or government affiliated agencies. 

MR. GONZALEZ: Oh, okay, yeah. I’m -- I 

know some of my buddies were talking about, you know, 

like doing this -- this type of program because 

they’re also kind of in the same boat that I am, you 

know, some military friends. So I’m trying to just 

find out, see what they’re talking about. But have 

you guys -- have you guys helped a lot of people like 

this? 

DANIEL: Yeah, quite a lot. For The Record, Inc. 

(301) 870-8025 - www.ftrinc.net - (800) 921-5555 

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Case 4:18-cv-00806-SBA Document 33-2 Filed 03/02/18 Page 21 of 66 

MR. GONZALEZ: How long have you guys been 

around? 

DANIEL: For about six years. 

MR. GONZALEZ: Oh, really? Yeah. All 

right. Yeah, this is good. I mean --

DANIEL: So, if you think, these programs 

have been around for about 10 years now. 

MR. GONZALEZ: Oh, you guys have been 10 

years? 

DANIEL: No, the programs through the 

Department of Education have been around for 10 years. 

MR. GONZALEZ: Oh, so there’s other -- other 

programs? 

DANIEL: The only -- yeah, yeah. 

MR. GONZALEZ: Hmm. Okay. Okay. All 

right. So if I sign up with you guys, how much would 

the monthly loan payment be? 

DANIEL: Let me -- it’s -- they’re incomebased, so let me get Susanne on the phone, get your 

income figures together, and then that way she can 

give you (inaudible). 

MR. GONZALEZ: Hello? 

DANIEL: Can you hear me? 

MR. GONZALEZ: Hi. Yeah, it keeps cutting 

off. For The Record, Inc. (301) 870-8025 -

www.ftrinc.net - (800) 921-5555 

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Case 4:18-cv-00806-SBA Document 33-2 Filed 03/02/18 Page 22 of 66 

DANIEL: Oh, sorry. I said I’ll get Susanne 

on the phone, because these are income-based programs, 

so she’ll have to get some figures from you so she can 

give you --

MR. GONZALEZ: Okay. 

DANIEL: Okay. Hold on one second, sir. 

MR. GONZALEZ: Yeah. 

(On-hold music.) 

SUSANNE: Hi, ? 

MR. GONZALEZ: Yes. 

SUSANNE: Okay. It’s Susanne. I’m back on 

the phone. Thank you. I just wanted to verify your 

phone number as . Is that a good phone 

number for you? 

MR. GONZALEZ: Yep, that’s a good one. 

SUSANNE: Okay. And you’re in California, 

you said? 

MR. GONZALEZ: Yep. 

SUSANNE: Okay. So a benefits processor for 

Social Security Administration. Now, you’re single. 

MR. GONZALEZ: Yep. 

SUSANNE: I got that. And you work at least 

30 hours a week, is that correct? 

MR. GONZALEZ: Yes. 

SUSANNE: Okay. Now, to go over your income For 

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Case 4:18-cv-00806-SBA Document 33-2 Filed 03/02/18 Page 23 of 66 

here, we can confirm that through the financial 

student aid database. But there’s three ways I can 

apply your income, and going down the list the first 

one would be for you to read off your adjusted gross 

income to your most recently filed tax return is one 

way. 

MR. GONZALEZ: Mm-hmm. 

SUSANNE: The second way, if you’ve got 

access to a pay stub, we’ll do our best to estimate 

how much you get paid before taxes. Or, lastly, if 

you don’t have either, we can do our best to estimate 

your income and how much you get paid moving forward 

with the application process. Please understand that 

variations in the income once verified could affect 

the approved program payment. How would you like to 

apply your income? 

MR. GONZALEZ: Well, I don’t have the stub 

with me right now. 

SUSANNE: Mm-hmm. That’s okay. 

MR. GONZALEZ: And what was the other one, 

W-2? 

SUSANNE: Do you know how much you make an 

hour? 

MR. GONZALEZ: No. 

SUSANNE: How much do you make an hour? For The 

Record, Inc. (301) 870-8025 - www.ftrinc.net - (800) 921-5555 

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Case 4:18-cv-00806-SBA Document 33-2 Filed 03/02/18 Page 24 of 66 

MR. GONZALEZ: It’s not hourly. 

SUSANNE: Okay. Well, do you know your 

salary? 

MR. GONZALEZ: Yeah. I just get a salary, 

$50,000. 

SUSANNE: Okay. So if -- you’re $50,000 a 

year. 

MR. GONZALEZ: Yeah. 

SUSANNE: Do they take out of your check 

monthly for medical and dental? 

MR. GONZALEZ: Yes. 

SUSANNE: How much do they take out for 

medical and dental? 

MR. GONZALEZ: Too much. I don’t know. 

SUSANNE: Give me a figure here. 

MR. GONZALEZ: I can’t tell you -- I 

couldn’t tell you for sure. But, yeah, I mean, it’s 

just me. I don’t -- I don’t think I pay as much as, 

you know, like a family plan, whatever that would 

cost. 

SUSANNE: Mm-hmm. Okay. So you don’t know 

what your adjusted gross income would be? 

MR. GONZALEZ: No, not really. 

SUSANNE: Well, that would be the best way 

to go, unless you want me to calculate based on For The 

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Case 4:18-cv-00806-SBA Document 33-2 Filed 03/02/18 Page 25 of 66 

$50,000. 

MR. GONZALEZ: I mean, right now I think 

that would be -- that’s the only -- I don’t have a 

stub on me, so I would need to -- I would need to get 

that. 

SUSANNE: Okay. And you didn’t file your 

taxes yet to write off your adjusted gross income? 

MR. GONZALEZ: I’m a procrastinator. 

SUSANNE: Me, too. 

MR. GONZALEZ: Welcome to the club. 

SUSANNE: Right. I know, I’m still waiting. 

But I want you to know that moving forward with the 

application process, please understand that variations 

in the income once verified could affect the approved 

program payment. 

MR. GONZALEZ: Mm-hmm. 

SUSANNE: So if we’re going to utilize the 

$50,000, let’s move onto the next step here, which 

we’re going to talk about family size, . 

Before you give me an answer, I want to let you know 

that family size is maybe different from what you 

claim as dependents on your tax return. It is a 

figure that you provide for your application that 

basically covers the number of people that you support 

and who live with you. Again, not just dependents. For 

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Case 4:18-cv-00806-SBA Document 33-2 Filed 03/02/18 Page 26 of 66 

Here reads the federal definition: Family 

size includes you, your spouse, your children, 

including on-board children, who will be born during 

the year for which you state your family size if the 

children will receive a majority of their support from 

you now. It includes other people who live with you 

that receive the majority of their support from you 

and who will continue to receive the support from you 

for the year that you state. Your family size support 

includes money, gifts, loans, housing, food, clothes, 

car, medical, dental care and payment of college 

costs. 

A couple of things regarding family size is 

the higher your family size, the lower your payments, 

and the lower your family size, the higher your 

payment may be. That is because certain government 

loan programs take into account not just your income 

but the amount of people that you’re supporting. 

So, based on that, do you have any children 

that you provide the majority of support to? 

MR. GONZALEZ: No. 

SUSANNE: Okay. Aside from children, do you 

have any other people who live with you who you 

provide the majority of support to? 

MR. GONZALEZ: No. For The Record, Inc. (301) 

870-8025 - www.ftrinc.net - (800) 921-5555 

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Case 4:18-cv-00806-SBA Document 33-2 Filed 03/02/18 Page 27 of 66 

SUSANNE: Okay. So what would you like to 

state for your family size? 

MR. GONZALEZ: None. 

SUSANNE: You have to include yourself. So, 

as I noted, the higher your family size, the lower 

your payment is going to be. I’ll give you an idea of 

what the program would be. 

MR. GONZALEZ: Mm-hmm. 

SUSANNE: Because I want you to know that 

each year you’ll be asked to provide your family size, 

and it can change due to your circumstance. So I’m 

just going to give you a list here of payments based 

on your family size. 

MR. GONZALEZ: Okay. 

SUSANNE: So if your family size is one, 

there would be no benefit for you. Okay? If your 

family size was four, your monthly payment -- let’s 

see, wait, where am I here? Your monthly payment 

would be $276.81. If your family size was six, your 

monthly payment in a 10-year term would be $124.56. 

Now, I want to let you know that the figure 

you provide for your application, it is for this 

program and this program alone. 

MR. GONZALEZ: Uh-huh. 

SUSANNE: It has nothing to do with who you For 

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Case 4:18-cv-00806-SBA Document 33-2 Filed 03/02/18 Page 28 of 66 

claim on your taxes or anything to do with the IRS. 

It has nothing to do with Social Security numbers. 

MR. GONZALEZ: Mm-hmm. Okay. 

SUSANNE: It is a figure that is based on 

your interpretation of that federal definition. 

MR. GONZALEZ: I see, I see. So the higher 

-- the higher the family size, the more benefit? 

SUSANNE: Exactly, mm-hmm. 

MR. GONZALEZ: Okay. And you said it would 

be 10 years? 

SUSANNE: Correct, mm-hmm. 

MR. GONZALEZ: Okay. So that means that I 

would pay it off in 10 years? 

SUSANNE: Well, in order to be eligible to 

receive the discharge after 10 years, you have to work 

for a qualified company, whether it’s non-profit or a 

public entity like a public hospital, any federal, 

state, government-run facility. And you also must 

work at least 30 hours a week during the entire 

duration of that 10 years. 

MR. GONZALEZ: Mm-hmm. 

SUSANNE: Okay? To receive -- to be 

eligible for that discharge in 10 years. 

MR. GONZALEZ: What does that mean, the 

discharge? For The Record, Inc. (301) 870-8025 -

www.ftrinc.net - (800) 921-5555 

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SUSANNE: Well, that -- it’s federal law. 

It’s a federal program that allows you to receive a 

discharge -- that means forgiveness -- savings at the 

end of a term. So you’re either going to qualify for 

a 10-year-term or a 25-year term. 

MR. GONZALEZ: Oh, wow. So if I pay for 10 

years, the rest of my loan would be forgiven? 

SUSANNE: Correct. But we’re still at the 

family size spot before I give you that quote. So I 

need to know what would you like to state for your 

family size number? 

MR. GONZALEZ: I see. 

SUSANNE: You include yourself, mm-hmm. And 

let’s see down the road here, , if you were 

ever asked to name your -- the people -- the numbers. 

Let’s put a name to the numbers, okay, because I don’t 

ask you that today. 

MR. GONZALEZ: Uh-huh. 

SUSANNE: It’s not -- it has nothing to do 

with Socials. You’d be asked for their name, date of 

birth, and their relationship to you. 

MR. GONZALEZ: Okay. 

SUSANNE: Does that make sense? 

MR. GONZALEZ: Yep. 

SUSANNE: Okay. For The Record, Inc. (301) 

870-8025 - www.ftrinc.net - (800) 921-5555 

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Case 4:18-cv-00806-SBA Document 33-2 Filed 03/02/18 Page 30 of 66 

MR. GONZALEZ: I see. 

SUSANNE: So, like I said, if you see the 

family size of six, your monthly payment would be 

$124.56. So that’s why I want to know what would you 

like to state for your family size? 

MR. GONZALEZ: I see. So let me see. Sorry 

to keep asking a whole bunch of questions. I’m just 

trying to find out, you know, like as much as I can. 

Because this sounds really good, because right now, 

like I said, I’m paying about $300 and I can barely 

afford that. 

SUSANNE: Right. 

MR. GONZALEZ: Yeah. 

SUSANNE: Exactly. 

MR. GONZALEZ: In my --

SUSANNE: These are federal programs 

designed to help people in your situation. 

MR. GONZALEZ: That’s great. So if I have 

more family, would it -- would the payment be lower? 

SUSANNE: It would go -- yes. If your 

(inaudible) yes. 

MR. GONZALEZ: Yeah. 

SUSANNE: If you state a family size of 

seven, with $50,000, your monthly payment would be at 

its lowest at $119 in that 10-year. Mm-hmm. For The 

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Case 4:18-cv-00806-SBA Document 33-2 Filed 03/02/18 Page 31 of 66 

MR. GONZALEZ: And that would be the lowest 

it can go? 

SUSANNE: Yes. 

MR. GONZALEZ: Oh, okay, I see. So if I say 

I have -- my family size is six --

SUSANNE: Mm-hmm. 

MR. GONZALEZ: -- and would I pay the $124 

to you guys or to somebody else? 

SUSANNE: Well, let’s see, hold on here. 

Family size of six, that would make a monthly payment 

of -- hold on here. It would be $124.56. So do you 

want me to prepare that quote based on a family size 

of six so I can give you all the dynamics and explain 

at it as I’m going along? If you want me to do that, 

I’ll --

MR. GONZALEZ: Well --

SUSANNE: Because right now if you owe 

$30,000, what are you paying every month? 

MR. GONZALEZ: About $300. 

SUSANNE: You’re paying $300. How many 

years are you paying $300 for? 

MR. GONZALEZ: Shoot, I don’t know. Too 

many. 

SUSANNE: Fifteen? 

MR. GONZALEZ: I -- how many years have I -- For 

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SUSANNE: See, I don’t know. I haven’t even 

looked at your loan information. 

MR. GONZALEZ: No, no. 

SUSANNE: I’m guesstimating based on -- uhhuh. Because you’re going to end up spending about 

$54,000 to the loan servicer. They are a debt 

collector, . They make their money off the 

interest they charge you. They almost charge dollar 

for dollar on what you borrow. That’s what they 

charge. That’s their fee as a debt collector. 

MR. GONZALEZ: Uh-huh. 

SUSANNE: They’re not even regulated. The 

federal program is extremely regulated. You can 

either pay $54,000 or you can pay half of the $30,000 

and be eligible to receive almost $40,000 in 

savings --

MR. GONZALEZ: Yeah. 

SUSANNE: -- at the end of your term. So I 

plan to lay the foundation hee and see what your 

family size is. I’m stuck right here. I can’t give 

you an actual quote. I’m giving you what-ifs at this 

point. 

MR. GONZALEZ: No, that’s good. 

SUSANNE: I need the -- okay. 

MR. GONZALEZ: All right. So if my family For 

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size is six, for example --

SUSANNE: Okay, okay. So hang tight here. 

I just sent your file to the underwriter. Hold on. 

Do you have a pen and paper handy? 

MR. GONZALEZ: Yeah, let me get one. 

SUSANNE: Okay, perfect. 

MR. GONZALEZ: And -- yeah. So I think a 

lot of what I’m paying now is, like, interest. Like 

you said, the $30,000 turns into --

SUSANNE: Exactly. 

MR. GONZALEZ: -- so much more. 

SUSANNE: Right? Yeah, you’re pretty much 

paying the interest, a lot of the interest off first. 

That’s exactly what’s happening right now, mm-hmm. 

MR. GONZALEZ: And with you guys, what would 

the interest be? 

SUSANNE: There is no interest in a federal 

program. 

MR. GONZALEZ: Really? Huh. 

SUSANNE: Okay? Mm-hmm. 

MR. GONZALEZ: Wow. Okay. 

SUSANNE: So the goal is to pay very little 

into what you borrowed through the government program. 

So you can have the maximum amount forgiven. And the 

way the government looks at it when they designed this For 

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program is because you’re going to spend money out in 

the economy. So it’s like a win-win for the economy 

at this point. 

These loan servicers as debt collectors, not 

being regulated, you know. Are they collecting all 

this money from a lot of people? Of course they are. 

Are people going into default because they can’t 

afford these high interest rate repayment programs to 

the debt collector? Of course they are. And it’s not 

okay. 

MR. GONZALEZ: Mm-hmm. 

SUSANNE: And so these federal programs have 

been around for nine years. 

MR. GONZALEZ: Yeah, I didn’t know about 

that. 

SUSANNE: Exactly. And they’re not going to 

tell you because they lose money with these programs. 

So of course they’re not. 

MR. GONZALEZ: Yeah. So --

SUSANNE: Yeah --

MR. GONZALEZ: I think I asked you. So if 

I’m going to pay the $124 --

SUSANNE: Okay. So let me give you the 

quote. Do you have a pen handy? 

MR. GONZALEZ: Yeah. For The Record, Inc. 

(301) 870-8025 - www.ftrinc.net - (800) 921-5555 

Gonzalez Attachment B - 33
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Case 4:18-cv-00806-SBA Document 33-2 Filed 03/02/18 Page 35 of 66 

SUSANNE: Okay. Okay, I got your numbers 

back from the Department of Education system. So 

based on the information you provided regarding your 

stated income and family size, the system came back 

with the following programs you may qualify for. What 

I want you to do is write down some of the numbers and 

I’ll go over them with you, and then I’ll explain 

about how the programs work and what’s involved. 

So I want you to write down my direct line, 

first of all. 

MR. GONZALEZ: All right. 

SUSANNE: It’s 916-526-0884. Okay? 

MR. GONZALEZ: All right. 

SUSANNE: And I’ll draw a line right down 

the center of your paper. The top left, I want you to 

write down “current.” 

MR. GONZALEZ: Okay. 

SUSANNE: And on the top right, I want you 

write down program. Okay? 

MR. GONZALEZ: Okay. 

SUSANNE: So on the top left, under the 

current side, I want you to write down $300 times 12. 

And underneath that, your yearly annual outflow is 

$3,600. So write that down. 

MR. GONZALEZ: Yearly outflow? 

Inc. (301) 870-8025 - www.ftrinc.net - (800) 921-5555 

For The Record, 

Gonzalez Attachment B - 34
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Case 4:18-cv-00806-SBA Document 33-2 Filed 03/02/18 Page 36 of 66 

SUSANNE: Annual outflow, mm-hmm, yearly. 

It’s $3,600. So your estimate amount left to pay back 

with principal and interest looks like $54,000. So 

write that down. 

MR. GONZALEZ: That’s what I’m going to pay? 

SUSANNE: Correct. 

MR. GONZALEZ: Geez. It’s almost doubled. 

SUSANNE: Right. Right? 

MR. GONZALEZ: Yeah. 

SUSANNE: And that’s the loan servicer’s fee 

for collecting the payment of your federal student 

loan. 

MR. GONZALEZ: Ahhh. 

SUSANNE: Now, go over to the right-hand 

side of your paper. We’re going to talk about the 

benefits available to you in the federal program. In 

30 days, which would be April 13th, your first four 

payments are $332. So write that down, 332. Okay? 

On the fifth month, your payment drops down to $99. 

Okay? In a 10-year term. 

MR. GONZALEZ: On the fifth month. 

SUSANNE: Okay. On the fifth month, that’s 

right. 

MR. GONZALEZ: For 10 years. 

SUSANNE: Okay. I want to -- mm-hmm. For The 

Record, Inc. (301) 870-8025 - www.ftrinc.net - (800) 921-5555 

Gonzalez Attachment B - 35
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Case 4:18-cv-00806-SBA Document 33-2 Filed 03/02/18 Page 37 of 66 

Ninety-nine dollars. So I want you to know in 30 to 

90 days, , you will receive a bill for the new 

IBR payment directly from the servicer. Once the IBR 

is approved and the administrative forbearance is 

lifted, you are responsible to make that payment. 

Now, it looks to me like your income-based 

repayment amount is $25.56. You’re responsible to 

make that payment directly to the new loan servicer in 

the federal program. So that’s where the total of 

$124.56 comes from. Okay? 

Your yearly annual program payment -- write 

this down --

MR. GONZALEZ: Okay. 

SUSANNE: -- is $1,494.72, which will save 

you a little over $2,100 every year in the program. 

MR. GONZALEZ: Oh, for sure. 

SUSANNE: Okay? 

MR. GONZALEZ: Nice. 

SUSANNE: Okay. Your approximate total 

program payment -- write this down --

MR. GONZALEZ: Mm-hmm. 

SUSANNE: -- $14,947.20. 

MR. GONZALEZ: Fourteen nine forty 

seven --

SUSANNE: Now, based upon the -- $14,947.27. 

For The Record, Inc. (301) 870-8025 - www.ftrinc.net - (800) 921-5555 

Gonzalez Attachment B - 36
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Case 4:18-cv-00806-SBA Document 33-2 Filed 03/02/18 Page 38 of 66 

Now, based upon the information you provided after you 

make 120 qualified payments, under the Department of 

Education program -- write down your potential 

savings. 

MR. GONZALEZ: Okay. 

SUSANNE: That amount is $39,052. Okay? 

Now, if you’re in an IBR program, you must recertify 

your income and family size each year. That can 

change your monthly payment. So there’s no way of 

actually knowing what you will be required to pay in, 

say, five years since you could get a substantial 

raise or take a job that pays much less. And based on 

the nature of your current employer, we will submit 

your file for a public service loan forgiveness 

program. 

There are a few rules to keep in mind. 

There first is that this program, which is a 10-year 

program, requires that you continue working for a 

qualified company, publicly funded or non-profit. You 

can change companies, but it would need to be another 

qualified company. 

The program also requires that you work an 

average of 30 hours a week over the year. If either 

of those requirements change for your situation or 

your employer fails to otherwise meet the federal For The 

Record, Inc. (301) 870-8025 - www.ftrinc.net - (800) 921-5555 

Gonzalez Attachment B - 37
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Case 4:18-cv-00806-SBA Document 33-2 Filed 03/02/18 Page 39 of 66 

requirements of the public service loan forgiveness 

program, your monthly payment “will remain unchanged, 

but your loan repayment term could increase up to 25 

years.” Does that make sense? 

MR. GONZALEZ: Not really. 

SUSANNE: What doesn’t make sense? 

MR. GONZALEZ: So if I’m going to pay and 

after 10 years I might not qualify for the 

forgiveness? 

SUSANNE: Sir, this is federal law. It’s 

not our program. It’s the government’s program. 

MR. GONZALEZ: Uh-huh. 

SUSANNE: You may be eligible for loan 

forgiveness. And I’m sure once you do your part, you 

know, the other one falls into place. 

MR. GONZALEZ: Oh, so you’re telling me that 

that’s a possibility, but I should qualify? 

SUSANNE: It’s law. I don’t make the rules. 

We just follow them, in essence, okay? We just follow 

the federal rules and regulation and guidelines. We 

don’t make this law --

MR. GONZALEZ: Yeah. 

SUSANNE: -- here at Ameritech Financial. 

Mm-hmm. 

MR. GONZALEZ: So if I’m going to pay 120 For 

The Record, Inc. (301) 870-8025 - www.ftrinc.net - (800) 921-5555 

Gonzalez Attachment B - 38
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Case 4:18-cv-00806-SBA Document 33-2 Filed 03/02/18 Page 40 of 66 

payments, that’s -- that’s 10 years, right? 

SUSANNE: That’s a 10-year term, that’s 

correct, mm-hmm. 

MR. GONZALEZ: So at that point, I could be 

eligible for the forgiveness? 

SUSANNE: That’s where we’re going to --

right. So as a document preparation company, that’s 

where we’re here to help you. When that time comes 

where we’re going to be able to prepare that paperwork 

on your behalf so that you do receive that. So our 

goal here, --

MR. GONZALEZ: Mm-hmm. 

SUSANNE: -- we’re here to guarantee your 

success in the program, as well as save you all that 

money. 

MR. GONZALEZ: Yeah, that’s what I want, 

too. 

SUSANNE: That’s our goal. 

MR. GONZALEZ: Yep. And so I guess I’m 

still kind of confused about who I’m going to pay, 

because you guys -- you told me that you guys are not 

the lender. Right? 

SUSANNE: Well, no, no. We don’t refinance. 

No, we’re a document preparation company. 

MR. GONZALEZ: Yeah. For The Record, Inc. 

(301) 870-8025 - www.ftrinc.net - (800) 921-5555 

Gonzalez Attachment B - 39
 

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Case 4:18-cv-00806-SBA Document 33-2 Filed 03/02/18 Page 41 of 66 

SUSANNE: For the first four months, okay, 

in that $332 a month --

MR. GONZALEZ: Mm-hmm. 

SUSANNE: -- that goes to us, okay? There 

is an $800 doc prep fee that’s included in the first 

four months of $332. Now, there’s -- in that $332 is 

a $225 doc prep fee, the $99 membership fee and an $8 

escrow fee. 

Just to let you know, we use a dedicated 

escrow account with Reliant Account Management. 

, we have to provide proof that we have 

completed the work before those funds are even 

released to us. 

So on the fifth month, $99 is your 

membership fee. That comes to us as well, okay? 

MR. GONZALEZ: Mm-hmm. 

SUSANNE: What you’re paying off on your 

loan is $25.56. 

MR. GONZALEZ: Yep. 

SUSANNE: That goes to the loan servicer. 

You will get that in the bill within 30 to 90 days. 

Okay? 

MR. GONZALEZ: Yep. 

SUSANNE: That is your amount that you’re 

getting in the federal program. That’s required of For 

The Record, Inc. (301) 870-8025 - www.ftrinc.net - (800) 921-5555 

Gonzalez Attachment B - 40
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Case 4:18-cv-00806-SBA Document 33-2 Filed 03/02/18 Page 42 of 66 

you based on your income and your family size, mm-hmm. 

MR. GONZALEZ: Yep. You said that 25 is for 

IBR. 

SUSANNE: Income-based repayment, correct. 

MR. GONZALEZ: Yeah, yep. And that’s going 

to go to the --

SUSANNE: The new loan service. You’ll get 

a new loan servicer in the mail. You’ll know who that 

is. 

MR. GONZALEZ: Okay. 

SUSANNE: I don’t make that decision. The 

Department of Education does, mm-hmm. 

MR. GONZALEZ: Got it. And then that would 

be different from the escrow account, too, right? 

SUSANNE: Excuse me? 

MR. GONZALEZ: You said -- that would be 

different from the escrow account. 

SUSANNE: That’s right, that’s right. 

MR. GONZALEZ: Okay. And what is that --

what is that for? What’s an escrow account for? 

SUSANNE: That is -- we have to provide 

proof that we’ve done the work before those funds are 

released to us. That’s what that escrow account is 

for. Okay? 

MR. GONZALEZ: What does that mean? Like, For 

The Record, Inc. (301) 870-8025 - www.ftrinc.net - (800) 921-5555 

Gonzalez Attachment B - 41
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Case 4:18-cv-00806-SBA Document 33-2 Filed 03/02/18 Page 43 of 66 

what --

SUSANNE: So we’re going to -- that means 

the money -- for the first four months, you’re at 

$332. 

MR. GONZALEZ: Mm-hmm. 

SUSANNE: All that money goes into an escrow 

account, okay? 

MR. GONZALEZ: Mm-hmm. 

SUSANNE: We’re going to start working on 

your file. We don’t ask -- there’s no up-front fees 

here. We start working on your file right away. 

MR. GONZALEZ: Mm-hmm. 

SUSANNE: Okay. Even though we haven’t 

received a penny, we’re going to start working on your 

file. 

MR. GONZALEZ: Yeah. 

SUSANNE: Okay? To get you enrolled in the 

federal program. 

MR. GONZALEZ: Okay. And with the escrow, 

is that the same company as you guys or is that 

another company? 

SUSANNE: It’s Reliant Account Management. 

It’s an escrow account. Reliant Account Management is 

a different company. 

MR. GONZALEZ: Oh, it’s a different company. For 

The Record, Inc. (301) 870-8025 - www.ftrinc.net - (800) 921-5555 

Gonzalez Attachment B - 42
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Case 4:18-cv-00806-SBA Document 33-2 Filed 03/02/18 Page 44 of 66 

SUSANNE: They’re the ones that will hold --

yes, mm-hmm. 

MR. GONZALEZ: They’re just going to hold 

the money in escrow. 

SUSANNE: Correct. 

MR. GONZALEZ: Okay. And then once -- after 

-- after I go through the program, you said then I’ll 

find out who is going to service the loan. But you 

don’t know who. 

SUSANNE: I don’t know who, no. 

MR. GONZALEZ: So -- okay. That’s kind of 

confusing. 

SUSANNE: What is confusing? 

MR. GONZALEZ: So right now I’m paying a 

company, right now, but if I go through you guys I 

would not pay you, I would pay somebody else, but you 

can’t tell me who. 

SUSANNE: Wait, now you’re confusing me. 

MR. GONZALEZ: We’re both confused. 

SUSANNE: Okay. I know right now you’re 

paying your loan servicer. 

MR. GONZALEZ: Yeah. 

SUSANNE: Okay. Three hundred -- that’s all 

I know, okay? 

MR. GONZALEZ: Mm-hmm. For The Record, Inc. 

(301) 870-8025 - www.ftrinc.net - (800) 921-5555 

Gonzalez Attachment B - 43
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Case 4:18-cv-00806-SBA Document 33-2 Filed 03/02/18 Page 45 of 66 

SUSANNE: In the program, your first four 

payments -- your first payment doesn’t start for 30 

days. That would be April 13th. For the first four 

months, you’ll pay money into an escrow account. $332 

for the first four months, okay? 

MR. GONZALEZ: To Reliant. 

SUSANNE: Right, mm-hmm. It will be 

automatically drafted. You’ll see it on your 

statement as a draft from Reliant -- Reliant Account 

Management. 

On the fifth month, what would draft from 

your account would be $99. 

MR. GONZALEZ: Mm-hmm. 

SUSANNE: Okay, a month for 10 years. Now, 

in 30 to 90 days, you’ll get a letter, it’s in the 

form of a bill, with the new loan servicer --

MR. GONZALEZ: Mm-hmm. 

SUSANNE: -- in the amount of $25.56. Okay? 

That new loan servicer is who you will pay -- make 

your payments to, not your current $300 to your 

current loan servicer. I don’t know who the loan 

servicer will be because I don’t make that final 

determination. The Department of Education does. 

Okay? 

MR. GONZALEZ: Got it. For The Record, Inc. 

(301) 870-8025 - www.ftrinc.net - (800) 921-5555 

Gonzalez Attachment B - 44
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Case 4:18-cv-00806-SBA Document 33-2 Filed 03/02/18 Page 46 of 66 

SUSANNE: So -- yeah, like the underwriter 

was saying, I walked up when he was on the phone with 

you, but it could take up to three months for all of 

this to get active. 

MR. GONZALEZ: Yeah. 

SUSANNE: So we’re going to manage your file 

with your most current loan servicer because we will 

prepare paperwork on your behalf, paperwork they’re 

forced to accept because we know what paperwork to 

provide as we enroll you in a federal program. 

MR. GONZALEZ: Yeah. 

SUSANNE: Okay? I’m like your triage nurse, 

Inc. (301) 870-8025 - www.ftrinc.net - (800) 921-5555 

For The Record, 

Gonzalez Attachment B - 45

. I’m here to gather your information, answer 

your questions, because we don’t -- you know, we don’t

want you to have any questions unanswered. 

MR. GONZALEZ: Oh, yeah. 

SUSANNE: We’re here to navigate you through

successfully. 

MR. GONZALEZ: You’re doing a great --

you’re doing a great job, and sorry for asking a whole

bunch of questions, but, you know --

SUSANNE: That’s okay, that’s okay. 

MR. GONZALEZ: Yeah. You know, I’m just --

I’m trying to find out because we’re dealing with 

money here, so it’s kind of a big deal. 
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SUSANNE: But am I saving you money? 

MR. GONZALEZ: Oh, yeah, definitely, because 

right now I’m paying $300, and if I’m going to pay --

SUSANNE: Exactly. 

MR. GONZALEZ: So the way I understand it, 

it’s going to be $99 every month, and then I’m going 

to pay $25.56. So it’s going to like two payments 

every month? 

SUSANNE: Correct, that’s right, mm-hmm. 

MR. GONZALEZ: Uh-huh. And the $99 is going 

to Reliant? 

SUSANNE: No. 

MR. GONZALEZ: Oh. 

SUSANNE: Ninety-nine will start coming to 

us. Once you finish paying -- making those four 

payments of $332, on the fifth month, Ameritech 

Financial will draft that $99, or actually it will 

come out of American Financial Benefits Center. 

MR. GONZALEZ: Oh, yeah. 

SUSANNE: And I’ll explain all that in the 

federal forms, mm-hmm. 

MR. GONZALEZ: That’s who I thought I was 

calling. 

SUSANNE: But, yes, that does come to us. 

MR. GONZALEZ: So you guys are the same For The 

Record, Inc. (301) 870-8025 - www.ftrinc.net - (800) 921-5555 

Gonzalez Attachment B - 46
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Case 4:18-cv-00806-SBA Document 33-2 Filed 03/02/18 Page 48 of 66 

company? 

SUSANNE: Excuse me? 

MR. GONZALEZ: American Financial Benefits, 

you guys are the same company? 

SUSANNE: Ameritech -- yeah, we’re Ameritech 

Financial is the name of the company I work for, yes, 

mm-hmm. 

MR. GONZALEZ: But then the payments are 

going to American Financial Benefits. 

SUSANNE: American Financial Benefits Center 

Program. 

MR. GONZALEZ: Yep. Okay. All right. So 

let me -- I’m trying to visualize -- I’m writing down 

everything like you said and I’m visualizing it. I’m 

a visual person. 

SUSANNE: That’s okay. 

MR. GONZALEZ: So $332 for four months --

SUSANNE: Mm-hmm. 

MR. GONZALEZ: -- that’s going to start on 

April. 

SUSANNE: Thirteenth, yes. 

MR. GONZALEZ: April 13. Then after that, 

I’ll pay $99 to American Financial Benefits Center. 

Right? 

SUSANNE: Benefits Center, mm-hmm, correct. For 

The Record, Inc. (301) 870-8025 - www.ftrinc.net - (800) 921-5555 

Gonzalez Attachment B - 47
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Case 4:18-cv-00806-SBA Document 33-2 Filed 03/02/18 Page 49 of 66 

MR. GONZALEZ: Okay. And at the same time, 

every month I’ll pay $25.56 to Reliant. 

SUSANNE: No. That will come from the 

Department of Education in the form of a bill --

MR. GONZALEZ: Oh, right. 

SUSANNE: -- with the new loan servicer. 

MR. GONZALEZ: Got it, yeah, yeah. There’s 

my note. 

SUSANNE: Once the IBR is approved, mm-hmm, 

and the administrative forbearance is lifted, you are 

responsible to make that payment directly to the loan 

servicer. And it will be at the discretion of the 

Department of Education. 

MR. GONZALEZ: Mm-hmm. Got it, yeah. Yeah, 

I just got a little confused with my notes because 

I’m, like, trying to write down everything. And 

what’s -- what’s -- how come you and American 

Financial Benefits Center, how is that connected? 

SUSANNE: It’s a benefits program that we 

provide as you’re enrolling in the program. 

MR. GONZALEZ: So it’s the same company? 

SUSANNE: I don’t know. Let me get 

somebody. Hold on. 

(On-hold music.) 

SUSANNE: Hi, ? For The Record, Inc. 

(301) 870-8025 - www.ftrinc.net - (800) 921-5555 

Gonzalez Attachment B - 48
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Case 4:18-cv-00806-SBA Document 33-2 Filed 03/02/18 Page 50 of 66 

MR. GONZALEZ: Yeah. 

SUSANNE: Okay. So American Financial 

Benefits Center program is a subsidiary of Ameritech 

Financial. We’re one and the same. 

MR. GONZALEZ: Oh, got it. Yeah, got it. 

Cool. So $99 is going to go to your subsidiary. 

SUSANNE: Mm-hmm. 

MR. GONZALEZ: Twenty-five fifty-six to the 

new loan servicer. 

SUSANNE: Mm-hmm. 

MR. GONZALEZ: After month five. 

SUSANNE: Right, on month five. 

MR. GONZALEZ: Yeah. And before that I’ll 

pay the $332 to the escrow. 

SUSANNE: Right. 

MR. GONZALEZ: And then after 10 years is 

when I can qualify for the --

SUSANNE: You’ll be eligible to receive the 

discharge, correct. 

MR. GONZALEZ: Eligible discharge. All 

right. Hmmm. This sounds good. Do you guys get a 

lot of, like, these results? Do you think this would 

work out for me? I mean, in your opinion. 

SUSANNE: Of course it will. I’ve been here 

for a little over a year and a half. I’ve enrolled For 

The Record, Inc. (301) 870-8025 - www.ftrinc.net - (800) 921-5555 

Gonzalez Attachment B - 49
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over 550 consumers. 

MR. GONZALEZ: Really? 

SUSANNE: I have. Yes, I have. 

MR. GONZALEZ: In one year. 

SUSANNE: The company’s been around for five 

years. 

MR. GONZALEZ: Yeah. 

SUSANNE: So we’re not going anywhere, yeah. 

I don’t plan on going anywhere. 

MR. GONZALEZ: Wow, wow. So --

SUSANNE: You could enroll and call me in a 

week, two weeks, a month, and I will answer my phone. 

If I don’t, I’m going to call you back. 

MR. GONZALEZ: That’s good because, you 

know, like -- I hope that, you know, this could work 

out, and if -- I’m kind of worried about --

SUSANNE: Absolutely. 

MR. GONZALEZ: -- you know, that it sounds 

too good to be true. 

SUSANNE: I get that a lot, but it’s -- it’s 

law. I could raise the price on here if you want. 

MR. GONZALEZ: Yeah, you’ll take my money. 

SUSANNE: If that makes you feel any better. 

But --

MR. GONZALEZ: No way. I’m trying to save For 

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Case 4:18-cv-00806-SBA Document 33-2 Filed 03/02/18 Page 52 of 66 

money. 

SUSANNE: No, I can’t -- I can’t do that. I 

can’t do that because it is -- you get what you get, 

yeah. 

MR. GONZALEZ: Yeah. 

SUSANNE: And these are the figures that 

came up. I don’t make it. They come through the 

system here. 

MR. GONZALEZ: Uh-huh. 

SUSANNE: So it’s all based on your income, 

your family size, mm-hmm. 

MR. GONZALEZ: Right. 

SUSANNE: Yes, mm-hmm. 

MR. GONZALEZ: And --

SUSANNE: So what would you like to do 

today? 

MR. GONZALEZ: So today --

SUSANNE: Go ahead, ask me your question. 

MR. GONZALEZ: You said today there’s no 

costs. I would pay the $800 --

SUSANNE: No, there is not. 

MR. GONZALEZ: -- after you guys process the 

paperwork. 

SUSANNE: Well, the $800 is part of the $332 

for the first four months. Okay? That’s already For The 

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Case 4:18-cv-00806-SBA Document 33-2 Filed 03/02/18 Page 53 of 66 

wrapped up in that. 

MR. GONZALEZ: Oh, okay. 

SUSANNE: It’s just a figure that’s taken 

out of the $332. So I just have to disclose the fact 

that there’s an $800 doc prep fee. 

MR. GONZALEZ: Yeah. 

SUSANNE: But that’s included in the quote I 

gave you. For the first four months, it’s $332. 

Nothing more, nothing less. 

MR. GONZALEZ: Mm-hmm. 

SUSANNE: On the fifth month, poof, it’s --

what would be drafted would be $99. And then you’ll 

get your letter with your IBR payment of $25.56 

drafted. You know, you’ll be able to make that 

payment. So --

MR. GONZALEZ: Mm-hmm. 

SUSANNE: -- that’s all of it. 

MR. GONZALEZ: What happens if I can’t make 

a payment or a loan? Like --

SUSANNE: Then you want to give us -- you 

want to give us a call, like, within three days 

beforehand. 

MR. GONZALEZ: Mm-hmm. So, like, right now 

I have the money taken automatically every month on --

I think like on the 20-something, somewhere like late For 

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Case 4:18-cv-00806-SBA Document 33-2 Filed 03/02/18 Page 54 of 66 

in the month. 

SUSANNE: You do? 

MR. GONZALEZ: Yeah. 

SUSANNE: Mm-hmm. 

MR. GONZALEZ: So if I can --

SUSANNE: Wouldn’t you want to enroll before 

that payment came out? One would think. If you have 

it automatically taken out, you know, we can enroll 

you today. And my suggestion -- this is what I would 

do -- would be to remove my bank information from your 

loan servicer and also call your bank as a back-up. I 

would do that personally. 

MR. GONZALEZ: Mm-hmm. 

SUSANNE: I’m not telling you what to do. 

I’m just saying that’s what I would do. 

MR. GONZALEZ: Yeah. 

SUSANNE: Is call my bank and let them know 

to stop payment on that because you’ve gone another 

avenue. And, see, it’s not anything disruptive 

because you’re entering into a federal program, also. 

The way they make -- they generate their payments, if 

they have your payment information, it’s all 

electronic. So it’s not like a human person is 

actually making that payment. It’s electronically 

generated. So you want to double your security, peace For 

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Case 4:18-cv-00806-SBA Document 33-2 Filed 03/02/18 Page 55 of 66 

of mind that it’s not going to be electronically 

withdrawn from your current loan servicer. 

MR. GONZALEZ: Oh, really? 

SUSANNE: Do you see what I’m saying? 

MR. GONZALEZ: So --

SUSANNE: Right. If your bank information 

is in there, I would go in -- you need to -- I can’t 

do that for you, but you would have to go in there. 

MR. GONZALEZ: Yeah, yeah. No, I -- I’ve 

done it before where, you know, like I couldn’t make a 

payment and I’d do a stop payment. 

SUSANNE: Mm-hmm. 

MR. GONZALEZ: So --

SUSANNE: Yeah. 

MR. GONZALEZ: So that’s my question now --

SUSANNE: You would have to stop it, 

definitely, and remove your payment, mm-hmm. 

MR. GONZALEZ: Right. So if I -- if in the 

future, after I do the program with you guys and I 

can’t make a payment, I can just call you directly? 

SUSANNE: Correct. Not me, but -- if you 

call me directly, you can, but what I’m going to do is 

send you to our customer service department. They 

will help you with that situation. I’m like your 

triage nurse, , somebody -- your first point of For 

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Gonzalez Attachment B - 54
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Case 4:18-cv-00806-SBA Document 33-2 Filed 03/02/18 Page 56 of 66 

contact here to answer all your questions. I won’t 

have access to do anything with your file. I won’t 

see your file except for your name, phone number, 

e-mail, and very limited information can I view. So 

it’s taken -- you know, that capacity is gone. So I 

would have to transfer you to customer service. 

MR. GONZALEZ: Yeah. Another thing: So if 

I -- as I’m paying the -- each month I’m paying, like, 

$124 --

SUSANNE: Mm-hmm. 

MR. GONZALEZ: -- and after 10 years, I’m 

still going to -- I’m going to pay like $14,000, I 

think you said. 

SUSANNE: Okay. So it looks like your 

approximate total program payment is $14,947. 

MR. GONZALEZ: Mm-hmm. 

SUSANNE: Okay? 

MR. GONZALEZ: Okay. 

SUSANNE: And you’re saving almost 40 grand. 

MR. GONZALEZ: Yes. So that 40 grand is 

what’s going to -- my -- is when I’m going to be 

eligible for discharge? 

SUSANNE: Right. Whatever is left over --

MR. GONZALEZ: Yes. 

SUSANNE: -- is going to be your discharge, For 

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Case 4:18-cv-00806-SBA Document 33-2 Filed 03/02/18 Page 57 of 66 

mm-hmm. 

MR. GONZALEZ: But what I’m paying during 

those 10 years, that’s going towards the loan 

directly. 

SUSANNE: Right. It will go -- right. 

You’ll be paying a different loan servicer. 

MR. GONZALEZ: Mm-hmm. 

SUSANNE: Mm-hmm. And it will go towards 

what -- mm-hmm. 

MR. GONZALEZ: Go ahead, I’m sorry. 

SUSANNE: Oh, yeah, you’ll be paying -- the 

goal is not to pay off your federal student loan. 

It’s to pay very little so you can have the maximum 

amount forgiven. 

MR. GONZALEZ: Oh, yeah, I get it. No, I 

know. But -- so that money that I’m going to be 

paying every month, that’s going to go towards the 

loan, even though I’m not going to pay the whole 

thing. 

SUSANNE: Right. 

MR. GONZALEZ: Got it. 

SUSANNE: The 25.56, mm-hmm. 

MR. GONZALEZ: Twenty-five fifty-six to the 

new loan servicer, which you can’t tell me who right 

now. Ninety-nine dollars to American or Ameritech. For 

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Gonzalez Attachment B - 56
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Case 4:18-cv-00806-SBA Document 33-2 Filed 03/02/18 Page 58 of 66 

SUSANNE: Ameritech, mm-hmm. 

MR. GONZALEZ: Ameritech. Geez, okay. And 

you said the $800, that I don’t have to pay, like, one 

lump fee. It’s spread out four months. 

SUSANNE: No. It’s broken up into four 

months, mm-hmm. 

MR. GONZALEZ: Okay. Wow. This sounds too 

good to be true. 

SUSANNE: Stop it. I get that, but a lot of 

times people don’t stop with that comment. You know, 

they’re wanting to enroll because it is real. It’s a 

federal program --

MR. GONZALEZ: Yeah. 

SUSANNE: -- that’s available to you. Mmhmm. And it’s some people that don’t. Because I’ve 

been here for so long, I get calls from people I spoke 

with a year ago and, yeah, they’re ready. Either 

they’ve gone into default and they can’t -- I can’t 

enroll them and they’re really upset, or they’re 

jumping on the bandwagon because it’s a federal 

program that’s available to them and it might take 

them a little longer to ingest, you know. But I’m 

here. I’m not going anywhere. 

MR. GONZALEZ: Yeah. 

SUSANNE: What would you like to do today? For 

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Case 4:18-cv-00806-SBA Document 33-2 Filed 03/02/18 Page 59 of 66 

Mm-hmm. 

MR. GONZALEZ: So what -- would I need to 

enroll? What would you need, like, my loan 

information and all that? 

SUSANNE: Okay. Well, you -- yeah. You and 

I are going to go through the application process 

together. We do everything live right here, right 

now, by filling out federal forms. Once I get the 100 

mark -- 100 percent completion mark, I then start the 

delivering of three e-mails. One of them will be all 

your federal forms, which for compliance purposes I 

have to read every single page and go over it with 

you. You’ll be signing electronically, which 

automatically appears on your file. 

MR. GONZALEZ: Hello? 

SUSANNE: At that point, once we’re done, I 

send you to our verification department. They, and 

only they, can complete your program enrollment by 

going over all the information you -- I’ve input as 

accurate, because you’ll be answering yes, correct, 

yes -- hopefully all yeses. Otherwise, they’re going 

to send you back to me to make it right, and we’ll 

have to resign the federal forms. And you’ll be on 

your way. 

So, normally, I’m done by now. Normally, it For 

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Case 4:18-cv-00806-SBA Document 33-2 Filed 03/02/18 Page 60 of 66 

takes an hour from start to finish. 

MR. GONZALEZ: Yeah. 

SUSANNE: It depends on if you have the 

information handy or not. 

MR. GONZALEZ: Yeah. I don’t know if I 

have all the info right now, but could I give you my 

e-mail and we can start sending some of that? 

SUSANNE: Well, let’s see. What’s your 

e-mail address, 

MR. GONZALEZ: 

SUSANNE: Mm-hmm. 

MR. GONZALEZ: -- --

SUSANNE: 

MR. GONZALEZ

--

: Yeah --

SUSANNE: -- , uh-huh. 

MR. GONZALEZ: 

SUSANNE: At -- oh, . So 

at what? 

MR. GONZALEZ: At Gmail. 

SUSANNE: Okay. All right. So just to let 

you know what we ask for, instead of going back and 

forth like that. 

MR. GONZALEZ: Mm-hmm. 

SUSANNE: I’ll ask for you to verify your 

Social, your date of birth, your driver’s license For The 

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? 

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Gonzalez Attachment B - 59
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Case 4:18-cv-00806-SBA Document 33-2 Filed 03/02/18 Page 61 of 66 

number with the state it was issued. Do you want to 

start with that? Do you want to start filling it out? 

MR. GONZALEZ: Well, if -- could you e-mail 

me that info and then I’ll start filling it out? 

Because I know it’s been over an hour and, yeah, I 

also want to -- I also need to get back to work. 

SUSANNE: So when do you want to -- when --

when would you like to set up another time frame to go 

over -- to start completing this? 

MR. GONZALEZ: Oh, I’ll be out for lunch in 

a -- like, maybe two hours. 

SUSANNE: So 1:00, is that a good time 

frame? 

MR. GONZALEZ: Let’s see, it’s 11:00 

already. Wow, it’s late. 

SUSANNE: So -- uh-huh. We spent an hour on 

the phone. 

MR. GONZALEZ: Wow. We’re good friends now. 

SUSANNE: Right? So is today do you want, 

or tomorrow? Whenever is convenient for you. 

MR. GONZALEZ: Yeah. Well, if you could email me, I’ll start looking at it and then -- and then 

I can call you back. 

SUSANNE: Okay. So what is -- it’s a 

lengthy process. Like I said, Social, date of birth, For 

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Case 4:18-cv-00806-SBA Document 33-2 Filed 03/02/18 Page 62 of 66 

driver’s license, your employer, the address, what you 

might -- I mean, I know you’ve probably -- I don’t 

need to ask you that. But we’re going to ask for two 

references with an address and phone number. They can 

be anybody you want. 

MR. GONZALEZ: Okay. 

SUSANNE: They just can’t live with you or 

live with each other. I do ask for bank information, 

account, and routing number. 

MR. GONZALEZ: Okay. 

SUSANNE: And then you and I are going to go 

over your budget, mm-hmm. I don’t ask for statements 

or anything like that. Your last recollection is 

fine. What I will send you is a federal form, which 

acknowledges that I’ll be able to review and verify 

your federal student loans on the National Student 

Loan Database. So I’m sending this out to you right 

now. 

MR. GONZALEZ: Okay, great. And --

SUSANNE: Okay, mm-hmm. 

MR. GONZALEZ: And I’m going to try and get 

all that information for you, that one that you just 

asked, so that I have it ready when we talk. 

SUSANNE: Okay. 

MR. GONZALEZ: And then I’ll look for your For 

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Case 4:18-cv-00806-SBA Document 33-2 Filed 03/02/18 Page 63 of 66 

e-mail. 

SUSANNE: Okay, perfect. So you want me to 

-- okay, okay. Hang tight here. I’m sending it right 

now, this one federal form. Okay. It looks like it’s 

sent. So definitely -- you want me to call you back 

at 1:00, you said? 

MR. GONZALEZ: Well, are you in later 

because I’m going to try and get all that information 

you want. 

SUSANNE: I am. 

MR. GONZALEZ: And I think I might just call 

you from home. 

SUSANNE: Okay. I’m -- what time would that 

be? 

MR. GONZALEZ: This evening, like around 

5:00. 

SUSANNE: Okay. If I’m not here, because I 

usually leave at 4:00 --

MR. GONZALEZ: Oh. 

SUSANNE: I don’t usually stay until 5:00, 

mm-hmm. So I’m here until 4:00. But -- hold on here. 

MR. GONZALEZ: Are you also on west coast 

time? 

SUSANNE: I am. I’m in California over here 

in El Dorado Hills, right in between Sacramento and For 

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Gonzalez Attachment B - 62
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Case 4:18-cv-00806-SBA Document 33-2 Filed 03/02/18 Page 64 of 66 

Lake Tahoe. 

MR. GONZALEZ: Oh, no way. 

SUSANNE: That’s where I’m stationed. Yeah. 

MR. GONZALEZ: Cool. I’m in L.A. We’re not 

too far. And now we’re buddies. 

SUSANNE: Oh, no. Okay. So what -- what 

I’ll do is I know I can’t stay until 5:00. That I 

can’t do. 

MR. GONZALEZ: That’s fine. 

SUSANNE: But maybe I can have my manager 

give you a call. I could see if he can at 5:00. 

MR. GONZALEZ: Okay. 

SUSANNE: I can’t guarantee that he will, 

mm-hmm. 

MR. GONZALEZ: All right. 

SUSANNE: I’ll ask him and see what he says. 

If not, what’s a better time frame? 

MR. GONZALEZ: I mean, if you’re in 

tomorrow, too, I can call you around the same time I 

did this morning. 

SUSANNE: Sounds wonderful. I’ll be here. 

MR. GONZALEZ: Okay, great. 

SUSANNE: Okay. All right, . Thank 

you. We’ll talk to you soon. 

MR. GONZALEZ: Thanks, Susan. Take care. For 

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Gonzalez Attachment B - 63
 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

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Case 4:18-cv-00806-SBA Document 33-2 Filed 03/02/18 Page 65 of 66 

SUSANNE: You, too. Bye-bye. 

MR. GONZALEZ: Bye. 

(The call was concluded.) 

MR. GONZALEZ: This concludes the taping 

session. 

(The recording was concluded.) 

For The Record, Inc. (301) 870-8025 - www.ftrinc.net -

(800) 921-5555 

Gonzalez Attachment B - 64
 

 

 

 

 

 

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Case 4:18-cv-00806-SBA Document 33-2 Filed 03/02/18 Page 66 of 66 

CERTIFICATE OF TRANSCRIPTIONIST 

I, George Quade, do hereby certify that the 

foregoing proceedings and/or conversations were 

transcribed by me via CD, videotape, audiotape or 

digital recording, and reduced to typewriting under my 

supervision; that I had no role in the recording of 

this material; and that it has been transcribed to the 

best of my ability given the quality and clarity of 

the recording media. 

I further certify that I am neither counsel 

for, related to, nor employed by any of the parties to 

the action in which these proceedings were 

transcribed; and further, that I am not a relative or 

employee of any attorney or counsel employed by the 

parties hereto, nor financially or otherwise 

interested in the outcome of the action. 

DATE: 4/27/2017 

GEORGE QUADE, CERT 

For The Record, Inc. (301) 870-8025 - www.ftrinc.net -

(800) 921-5555 

Gonzalez Attachment B - 65
Case 4:18-cv-00806-SBA Document 33-3 Filed 03/02/18 Page 1 of 2 

Gonzalez Attachment C 
 

 

 

M Gmail 

 

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ilwi_.,.., .,..,i:i.-_.__,., _ _,,__., ___ ,- ~..,jt.-..~Lt.i~J.~---,..~-u..~­ ,__,._'Ii~ .... ._,._._ 1111,,...,....,.-,,.,.u...ll1i.i111"-••~ .,._.._p...-.--. .. iliil,-M .. ..._..-,_,.,~ ·r1,a 

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"~-........... .....,.~,__1!!!111•9Wf•-.. ~:i-i.- ,.,,.. ... ,.._. ...... ...-.-

---------- -

Case 4:18-cv-00806-SBA Document 33-3 Filed 03/02/18 Page 2 of 2 

< > 

Please sign AmeriTech Financial NSLDS Access Permission 

Suzanne Heffner <echosign@echosign.com> 

Reply-To: Suzanne Heffner <suzanne.heffner@ameritechfinancial.com> 

To: 

Gonzalez Attachment C - 1

Tue, Mar 14, 2017 at 10:57 AM 

AdobeSign 

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Financial NSLDS Access Permission. 

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1 of 1 3/14/2017 11:45 AM 
Case 4:18-cv-00806-SBA Document 33-4 Filed 03/02/18 Page 1 of 2 

Gonzalez Attachment D 
Student Loan Data System Access Permission 

Purpose: For AmeriTech Financial to Access My Student Loan Information from Government Databases 

Reason: To Obtain Accurate Information Relating to My Student Loans For Application Purposes 

What I Need to Do: As the Debtor who is responsible for these loans, you need to create an online User 

Name and Password. The U.S. Department of Education recommends that you keep your User Name and 

Password secure to prevent any fraudulent use. The purposes of the User Name and Password is to permit 

you access to various government websites and allow you to sign electronically on any applications. There 

are other purposes as well, so please keep your information secure. 

Why We Request Your User Name and Password: With your permission and instruction, we need to 

carry out the application services that you have requested ofus. We will keep your User Name and Password 

secure, and we will never share it with third parties. We need this information to complete our contracted 

services, including gathering the relevant, pending loan information pertaining to you, and completing the 

applications that you qualify for. While the government does not encourage such sharing because they want 

to prevent fraud and abuse, with your consent and instruction we are permitted to review and assist you 

with the services you have requested ofus. We will never use this information to sign or submit applications 

for you- you must do that on your own. 

Authorization: As part of the federal student loan assistance application process, it will be most efficient 

for AmeriTech Financial to access your student loan information within the Student Loan Data System 

("Data System") located online at http://www.nslds.ed.gov. 

The Data System contains a complete list of your federal education loans, along with current estimated 

balances and servicer details - information that is required to complete your application(s). 

By opting in to the AmeriTech Financial Document Preparation and Service Agreement, we request that 

you allow AmeriTech Financial and its agents to access your profile and all the data contained within 

that profile. In order to allow this access, you will need to provide your FSA ID and password. 

Please note that all information that AmeriTech Financial obtains from the Student Loan Data System will 

be used expressly for the purposes of confirming information, assisting in the completion and submission 

of applications, and, if purchased, annual monitoring and validation of your account. 

Acknowledgment 

I have read, understood, and agree to the above statements regarding access to my Data System profile. I 

understand that any information received or accessed will be used solely for the purposes as stated above. 

By signing below, I agree to allow AmeriTech Financial and its agent's access the Student Loan Data 

System and my personal profile as explained above. 

Client Signature: __________________ _ Date: ---- -----

Case 4:18-cv-00806-SBA Document 33-4 Filed 03/02/18 Page 2 of 2 

Gonzalez Attachment D - 1