Consumer complaint received 2023-06-14 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lockhart, Morris & Montgomery Inc.
State: CA

Complaint narrative:
I am trying to clear up a debt. 
The collection company ( Lockheart Morris ) hasnt returned ANY of my phone calls, email, or has yet to respond IN ANY WAY. 

I am homeless, living in my truck, and I have a collection on my credit that is preventing me from getting into affordable housing. 
No one is communicating to me about this debt, and so I feel I am helpless in getting this item removed from my credit report. 

This is a Summary/the emails that describes the situation : Its now been over 6mo. since I emailed you, Lockheart & Morris ( XXXX ) seeking a solution in good faith to resolve my debt. 
Its been six months now since I emailed you my letter asking for forgiveness of my loan, or at least a compromise. I havent heard back a response of any kind since. 

During this period, I have yet to hear of any response from you or your collection agency as far as this matter is concerned. I have received no phone calls, no letters, no emails. Nothing. 
My credit remains damaged, preventing me from getting out of living in my truck, ( several years now ) and renting an apartment. I continue to have multiple offers from the low-income housing lists that I am on, but my one derogatory on my credit is preventing me from doing so.

I am currently living in my truck. Ive had multiple offers of housing, but Im repeatedly turned down due to this one derogatory on my credit.

My current situation is that Im unemployed, homeless, and collecting XXXX. Unemployment benefits, about $ XXXX. 

I would like to, and I am willing to work on a deal to get this debt resolved soon so that I can have this item removed from my credit report. 
Im willing to make a deal. 

**Im asking you to act in good faith by at least communicating with me. 

Please contact me soon. 
Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, Ca. 
XXXX On XX/XX/2022 at XXXX XXXX, XXXX XXXX wrote : Hello, Its been about six weeks since I e-mailed you a letter explaining my situation, my ability to pay. 
I am looking for a solution, or a compromise so that we can bring my account to a conclusion. 
Its been six weeks since I emailed you my letter asking for forgiveness of my loan, or at least a compromise. I havent heard back a response of any kind since. 
Hopefully we can communicate a little more efficiently in the future. 
It is my hope that you can offer a solution to my so that I can have some sort of closure. 
In waiting for some sort of response, I have again missed out on two more opportunities to get into an apartment because of my one derogatory on my credit report. 
Being homeless in my truck with winter approaching, it is a time issue now. Id like to get housing before it gets cold. 
I hope to hear from you regarding my account soon. 
Any response will be appreciated. 
Thank You, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation