Consumer complaint received 2022-01-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Tsarouhis Law Group, LLC
State: CT

Complaint narrative:
To the best of my recollection : XX/XX/XXXX - following a near fatal medical complication I was unable to work. I was forced to give up my career, apartment and life in XXXX and return to XXXX to live with my parents at first until I was cleared to return to work. I was on XXXX at the time and my loans were deferred. 
XX/XX/XXXX - cleared to return to work, took a job in XXXX, XXXX  and moved into an apartment there, began repayment of student loans when I was able to do so, but was not making nearly enough monthly to cover loans let alone cover loans and live. Paperwork was completed for all loan servicers regarding XXXX and financial status. 
Following move to XXXX and moderate financial stabilization I reengaged in repayment of all federal and private student loans ; however I did not recall ever having a student loan with XXXX and was not paying. 
XXXX was not the originator of the loan, in fact they were the XXXX company to " purchase '' the loan, which is from medical school. 
XXXX cleared to return to practice of Medicine and found position in CT XX/XX/XXXX moved to CT and about a year after move to CT started receiving mail, faxes and phone calls at the practice where I was working from representative of XXXX XXXX I Loans were placed on autopay but I had to mail a physical check to XXXX monthly. I never received any information, online support and got no balance information. I lived in house at XXXX XXXX XXXX from the time I arrived in CT until XX/XX/XXXX when I moved to XXXX. ALL other student loan service companies updated my address by me chaning it online, but that was unavailable at the time at of the move. XXXX claims to have sent letters, but they were still sending the information to my old address in XXXX. 
My next contact with XXXX was a fax to my old office ( where I no longer worked ) announcing that they had obtained a judgement agains me in PA court. I was assigned to XXXX law firm and " PA debt collectors '' to pay down the judgement. There was nothing I could do at the time. Originally, they attempted to collected {$1000.00} as month but I said I could not afford that. What was subsequently taken was {$500.00} for nearly XXXX years. I NEVER received a single piece of main, balance, statement, etc. from XXXX law firm despite multiple attempts and requests. I was entirely ignored until I did what I thought might be effect and ensured that they wouldn't be able to college the autopay. I was call less than XXXX hours later demanding payment in full, threatening to go back to court, and when I asked for the documents I ask for for year but received I was told no. I said I wouldn't pay a dime until I knew I wasn't paying too much/more than owed. I left multiple messages which went unreturned with XXXX law firm. I have never met a single person works in that firm. I emailed and faxed multiple times, in a similar fashion to their scare tactics. 
I told XXXX I wouldn't pay unless provided the information and never was provided that information until the XXXX of XX/XX/XXXX. The paperwork provided still has no balance information, is inconsistent with the monthly withdrawal terms and has the WRONG ADDRESS AGAIN which is either poorly kept records, or simply their tactic to use in court. ( copy can be provided ). 
I have no idea how to make a payment aside from the phone, where I chose not to do, but requested enveloped from the company and got non. 
I worked very hard to come back from a life threatening illness which cost me a prestigious position at a gigantic academic medical school/hospital in XXXX as well as my apartment and friends. I was able to purchase a house and have made great strides in 6 years. XXXX law firm is viciously preditory, disorganized and treats the individual they are assigned collect from. 
I received an email the next day with documentation of the judgement that was obtained without my knowledge but stands today and an excel spread sheet of every payment I made. I NEVER missed a monthly payment through the COVID pandemic. I was NEVER provided any information on how I should deal with financial hardships during the pandemic. I have XXXX large federal loan which was immediately placed on hold and remains on hold until XX/XX/XXXX. I am prepared to begin payment again when required. When the payment was missed due to insufficient funds in my checking account, partially because I figured it would be the only way to get someone from their office to return a call, which is was, I was never asked if I had been impacted by COVID. I was threatened to be taken back to court two days after missing one payment in 4 years, which a global pandemic was worsening and in fact, my position was eliminated and I will be unemployed as of XX/XX/XXXX unless I am hired elsewhere. XXXX, nor the individual who emailed later, inquired about such matters because they have a judgement that, quite honestly, they never would have gotten had I been in court and been able to explain my side of the situation ( illness, ways I had works hard on financial stability, XXXX illegal tactics of sending documents to inappropriate addresses )

Company response to consumer: Closed with explanation