Consumer complaint received 2017-11-27 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TRANSWORLD SYSTEMS INC
State: CT

Complaint narrative:
In XX/XX/XXXX I had to hire an attorney to help me with a civil lawsuit for some very old private education loans because I was being sued for 8 separate private student loans originally taken out from XXXX XXXX between, XX/XX/XXXX and XX/XX/XXXX. 
My attorney worked on my case for over a year to prepare us for court, but though I knew I had never made ay payments and believed the loans to be too old to collect on, compounded with the fact that they had changed hands numerous times between the time I took the loans out from XXXX XXXX to the time the XXXX XXXX XXXX XXXX XXXX sued me, my lawyer decided I should settle with the collection agency and agree to pay the loans as well as the incredibly compounded interest. 
We never even went into a courtroom. No one ever produced any paperwork signifying they owned the loans, that the loans had not already been charged off by XXXX -- I had told my lawyer I had had to pay additional taxes one year because of charge off notifications. Decisions were made about my future and my children 's future in a little room where I was not invited in and I was handed a judgement in XX/XX/XXXX of graduating monthly payments to be made, seemingly, forever. 
I began making payments and by fall of XX/XX/XXXX, my payments were now going to yet another collection company by the name of XXXX XXXX XXXX. My bank denied the payments to XXXX XXXX XXXX at first because it was an unannounced and unfamiliar company seeking the funds from my account. I revised the payment methods with some hiccups due to their not being able to access the funds from my savings account -- where I was transferring part of my check from work every month to make the payments -- and eventually began making payments now to XXXX XXXX XXXX. I made payments to them from XX/XX/XXXX to XX/XX/XXXX at which point the payments were too much for me and thinking back to a closed-door conversation with a lawyer wherein he told me if it got to be too much I could declare a bankruptcy because the private student loans were now a in a judgment, I stopped making payments thinking that would be the route I would have to go in order to keep my head above water for my children and myself. 
In XX/XX/XXXX I met with a lawyer who told me I could not discharge the debt but since no one had been in touch about the payments to wait and see if they got in touch. As it happened, in XX/XX/XXXX a friend sent me the article in the XXXX about XXXX XXXX XXXX and the lawsuits against them because of lack of paperwork and trying to collect on loans that were too old. I sent that article to both my attorney from the lawsuit and to the attorney I had hoped would be able to help me discharge the judgement. 
I did not hear back from either one. 
On XX/XX/XXXX the offices of XXXX XXXX XXXX attempted to garnish my wages through the State of CT Superior Court in XXXX XXXX for this very same XXXX trust debt. I submitted a claim of exemption form with a description of the circumstances involved and attached on article outlining how XXXX and its affiliates are currently barred from collection actions due to the ongoing audit on their portfolio of XXXX, XXXX private student loans. 
I have subsequently been given a court date to provide evidence to support my claim that there was the possibility of illegality in the way in which I was sued for payment for outdated loans.

Company response to consumer: Closed with explanation