Consumer complaint received 2017-06-02 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Delta Management Associates, Inc.
State: NJ

Complaint narrative:
I   XXXX   XXXX   file this complaint with the Consumer Financial Protection Bureau, as I have already proven that   XXXX   XXXX   is using another scam on a debt collection process that has already been beaten in federal court against  XXXX . The student loans were all procured well before  XXXX , and my student loans were privatized, not owned by the United States Department of Education, or guaranteed in any sort. Originally   XXXX   XXXX   were trying to establish an administrative garnishment, but that was shut down by the Department of Education. The collection attempt was by a Massachusetts debt collector named   XXXX   XXXX  . A second debt collector   XXXX   XXXX   XXXX   just closed another illegal collection process on behalf of   XXXX   XXXX   for attempting the same type of illegal collection procedures. A copy of that decision by   XXXX   XXXX   XXXX   is attached with an apology from said entity. I am 100 % accurate in my claim that the debts stated owed to   XXXX   XXXX   are not in any fashion connected to any federal agency, that being the U. S. Department of Education. The funds were procured by private entities, sold on the secondary market as part of a securitization, and thus must be collected as private claims through state court actions. The timeline to sue for these funds has long expired. Now   XXXX   XXXX    play a musical chair approach by seeing if another debt collector named Delta Management Associates , Inc., and they are trying to obtain an administrative garnishment. This is not only illegal, but this company did a hearing request where I would have to schedules a hearing to make my defense on this frivolous claim. This is a violation of the stringent collection guidelines within the state of New Jersey. Delta Management Associates, Inc. is not bonded or licensed to do business with any resident of the state of New Jersey. They are a deplorable operation that will attempt anything to collect on any debt, even debts that are no longer enforceable, such as my 20+ year old private student loans. There were several complaints against this company online, and in state courts nationally. An administrative garnishment can only be enforced to the benefit of the United States Department of Education. period.
I demand a complete rescission of the attached threat for administrative garnishment. The timeline for a legal collection process on private debts have long passed   XXXX   XXXX  . This false administrative collection process is what got   XXXX   fired by the United States Department of Education as a sanctioned debt collector, and   XXXX   XXXX   XXXX   had no authority from any federal agency to collect on behalf of the taxpayers of the United States, nor does Delta Management Associates , Inc . I have attached a copy of a class-action lawsuit settled with Delta Management Associates , Inc. in a federal court in  XXXX . Delta Management Associates , Inc. is not even legally bonded or licensed to do business in the state of New Jersey.
I DEMAND A CEASE & DESIST ON ALL FURTHER ILLEGAL ACTIONS BY DELTA MANAGEMENT ASSOCIATES, INC. - DELTA MANAGEMENT ASSOCIATES, INC. IS IN TRUE VIOLATION OF THE NEW JERSEY FAIR DEBT COLLECTION PRACTICES ACT 45:18-2 AND THE FEDERAL FAIR DEBT COLLECTION PRACTICES ACT.
CEASE & DESIST AND FILE THIS COMPLAINT WITH THE FEDERAL TRADE COMMISSION TO START A PROPER INVESTIGATION AGAINST DELTA MANAGEMENT ASSOCIATES , INC . ILLEGAL COLLECTION PRACTICES!!!
DELTA MANAGEMENT ASSOCIATES, INC. MUST PURGE MY FILE PERMANENTLY!!!
I WILL FILE A RESTRAINING ORDER AFTER ADVICE OF COUNSEL!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation