Consumer complaint received 2022-05-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Law Offices of Robert A. Schuerger Co., LPA (NV)

Please note : The original debt in question was not a student loan, it is not protected in any way from being discharged in bankruptcy. It was a fully dischargeable debt, and was discharged successfully in California Bankruptcy court in XXXX.The companies pursuing this debt illegally are doing so knowingly, while being in possession of the court order not to collect. They have been contacted in writing many times, I have retained these records, and these crimes have been on-going for nearly three years. The date of the original debt in question was XXXX I am reporting this creditor for multiple accounts of Fair Debt Collection Practices violations and intentional credit reporting fraud. 

I have discussed this matter at length with my attorney XXXX XXXX, and he has advised me that based on my record keeping over the years, communicating only in writing for the duration, and the repeat offences of the original creditor to collect a non-collectable debt in violation of court order/multiple accounts of fraud perpetrated by XXXX and its Agents ; I have a strong case to pursue them for damages related to legal fees and duress in Federal Court XXXX 

This complaint is primarily against the XXXX XXXX XXXX XXXX in XXXX, Florida. This institution has repeatedly, knowingly, falsified the record of a debt account that was XXXX  in XXXX XXXX  Bankruptcy XXXX years ago ; in order to keep re-submitting it to credit bureaus after they were ordered by the bureaus to delete it permanently. 

The fraudulent actions : XXXX has already been ordered by California Bankruptcy XXXX XXXX XXXX XXXX, and the major credit bureaus where they reported it, that this is not a valid debt. What XXXX has done, is they intentionally deceive the credit reporting agencies by repeatedly selling the debt to a new Collector each time they are ordered to delete the altered debt, so the name of the 'Creditor ' changes when being reported. Also, they then fraudulently alter the date of the debt so that it appears much more recent than what it actually was. Both of these actions, temporarily, succeed in defrauding the credit reporting agencies into reporting it as a different debt than they have already been ordered to delete. Then, when my credit score fraudulently plummets due to a false collection account on my report, I have to then file a written dispute to get it removed. This fraud and harassment has been on-going for nearly three years. 

My situation : not only are these offences being committed to an innocent citizen with a clean record, but it also happens that I am the Caretaker and Spouse to a 100 % ( permanent and total ) XXXX veteran. The damage that is being done includes negatively affecting the health of my XXXX XXXX Spouse by raising his XXXX XXXX and worsening his XXXX XXXX. Additionally, the time I have to waste pursuing justice and remedy regarding these offences also takes a significant amount of time and energy away from me that should be invested in caring for my XXXX Spouse and small child. I have had to pay for childcare multiple times in order to have the opportunity to focus on gathering documentation and pursuing remedies in this matter. 

My attempts at resolution : originally, I made the mistake of thinking that an institution of higher learning would possess the business ethics to correct their grievous error of violating a court order and attempting to collect a discharged debt if I simply contacted them and pointed out their wrong doing while providing all the official documentation to validate my claim. Sadly, this organization has proven itself to be exceptionally unscrupulous and insistent on continuing to violate my civil rights and break the law while fully knowing the harassment and fraud they are committing. The President of XXXX, whom I have attempted to contact many times, refused to ever even respond. I also included many other XXXX offices ( and the attorney representing them ) in an attempt to reach a Representative with enough ethics and sense to look honestly and intelligently at the situation and urge those in power at XXXX to stop their abusive actions. That never happened. When I did not get a response, I filed a complaint with the XXXX XXXX XXXX and provided documentation to evidence my claims. The business, also refused to respond to the XXXX  when they reached out to mediate. I also attempted to contact their attorney in writing multiple times and never received a response. My husband filed a XXXX complaint on my behalf against the attorney and they finally responded with false statements claiming the debt had the protections of a student loan when it absolutely does not, and they neglected to address the issue of their falsifying the debt account on behalf of XXXX and submitting it fraudulently to my credit report under their name in an intentional effort to deceive the credit reports into reporting an account already ordered to be permanently deleted. Finally I did receive a response from a Representative at XXXX, well after I won my dispute against them with the credit reporting agency and they were forced to remove the falsified debt account yet again. Unfortunately, rather than admit the wrongs committed against me and issue an apology along with a promise to never commit them again ; this Representative essentially said they 'temporarily ' withdrew the account from collections while they 'think about " what their future efforts to collect are going to be. This is not nearly an expectable resolution. 

Please also note : That the court order to discharge has been sent to XXXX and its Agents many times recently, and historically in an attempt to resolve this issue. They absolutely have no claim of ignorance in the crimes they have committed against me. Particularly in falsifying a debt account in an intentional effort to deceive a credit bureau into reporting an account already ordered to be permanently deleted. 

The origin of this debt : The original debt in question occurred from a violation of XXXX XXXX XXXX XXXX  's drop/add policy. I was registered for a course, that I dropped during the drop/add period for a full refund. I never logged into the course or attended it in any way. Sadly, XXXX saw fit to turn it into an erroneous debt and harass me like criminals over it for the past six years. Their actions towards me in this matter have been an absolute disgrace.