I was contacted by yet another collection agency, Central Research, Inc. regarding the alleged student loans. The previous collection agency disappeared after I sent debt validation request. Similarly, every other collection company that the Department of Education has assigned to this case during the over 4 year period of time has disappeared. The Department of Education is fully aware, that no loans exist, yet, they keep assigning collection agencies – just because they believe that they can.
The relatively standard letter that Central Research, Inc. sent me states the following:
Further, Central Research, Inc. also states what their fees are regarding this case.
This is all non-negotiable. I have no say in this. However, with this letter Central Research, Inc. is making an unconditional promise to provide financial services – and I intend to hold them accountable in this area.
So, if Central Research, Inc., like everybody else before them, will send me partial copies of financial aid applications without any proof that I ever actually received any of the alleged loans, they clearly are not providing verification of the alleged debt. That may qualify as false advertising, and may be illegal on other grounds as well.
Similarly, if Central Research, Inc., like every other collection agency before them, will simply disappear after I continue making debt validation requests, they demonstrate blatant lack of integrity.
Only if Central Research, Inc. has the courage to admit that no real documents exist that validate the monetary demands, only then do they demonstrate integrity.
So, it remains to be seen, if Central Research, Inc. is managed so, that this company’s operations are actually based on demonstrating integrity.
That will bring us to the main point of this case, which is that the problems that I have been experiencing are caused by Department of Education employees making internal records without the necessary validation, and then using these internal records as if the necessary validation actually existed.
To put it differently, Department of Education operates so that people there wish that something was true, and then act as if it actually were true, using the powers of the federal government in the process.
This has all been documented online for 4 years now. We have to put an end to such operating practices.
Johnny Dillard, CEO
Central Research, Inc.
506 Enterprise Dr. Suite 200
Lowell, AR 72745
Dear Mr. Dillard:
I am responding to your company’s letter dated 03/02/2016 and am requesting debt validation and not to be contacted by phone. Please note that this is an open letter that I may publish on StopExtortion.org and on other websites.
Please forward the enclosed latest invoice to your client, the Department of Education. The Department of Education has refused to pay for its usage of my labor in involuntary servitude conditions, but has not disputed the validity of this debt. Accordingly, I conclude that this debt is valid and will continue to invoice the Department of Education for as long, as the Department of Education continues to use my labor in involuntary servitude conditions.
I attended state owned Rhode Island College between 1990 and 1996 as an honors student. As far as I know, as a student I did not qualify for bank loans because I was in the U.S. on a temporary visa when I first attended college, and then on Green Card until graduation, without any credit history, co-signer or collateral. Further, initially I did not have any work experience and work history either. While I was a student my income was extremely low and did not support borrowing from a bank tens of thousands of dollars.
According to publicly accessible sources the in-state cost of tuition to attend the state owned Rhode Island College from 1990 to 1996 ranged from $1,703 to $2,838 a year. The Department of Education insists that I borrowed $46,354.00 as principal from Fleet National Bank. The amount of money that the Department of Education claims that I borrowed is several times higher than I possibly could have received as loans, even if I would have borrowed money. As a student, I did not live on campus. The Department of Education is unable to explain, how the $46,354.00 supposedly was used or where did it go. No relevant lending and borrowing related records exist that show that I actually borrowed this money and that I received it either directly, or indirectly, as tuition support.
I did receive Rhode Island College Honors Scholarship, Pell Grant and work-study financial aid that covered the cost of my attending Rhode Island College. The Department of Education does have information on this, but has knowingly forced me to work on this debt validation case for 4 (four) years against my will. Accordingly, I have been invoicing the Department of Education for the usage of my labor in involuntary servitude conditions.
I am thereby instructing your company’s representatives not to contact me by phone. Any communication with me must be handled by mail. Do not call me and do not contact any third parties such as my employer, neighbors, friends or family members.
Please note that failure to comply with the above may be a violation of State and Federal Fair Debt Collection Practices Acts and/or other statutes, and may also be grounds for civil action, regulatory sanction, and/or other action. Further, release, transfer, and/or disclosure of personal information such as phone number, address and/or other privileged, confidential, and/or private personal data may be a violation of Massachusetts debt collection laws and regulations, such as MGL c. 93, s. 49: Debt collection in an unfair, deceptive or unreasonable manner, 209 CMR 18: Conduct of the Business of Debt Collectors and Loan Services, and 940 CMR 7.00: Debt Collection Regulations (Current).
I dispute the validity of the debt in entirety and every portion of it. This is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and debt validation is requested.
Your client, the Department of Education, claims that it holds legally binding promissory notes. Your client is responsible for validating such claims and the corresponding monetary demands. In accordance with case law, (citing)
Please note that the above citation is applicable to the time period during which I attended college and the alleged loans were made. Accordingly, I request that your client furnishes copies of the following documents:
Based on the available information, qualifying Promissory Note documents in this case do not exist at all, and your client does not have even the original two-sided (duplex) financial aid Application and Promissory Note documents in its possession. Thus, based on the available information, your client has partial copies of irrelevant documents, created internal records and now claims ownership of an alleged debt.
Further, based on the available information, the “loan” records were created after I graduated from college, by picking approximately 80% of the amounts from the financial aid applications, without existence of the corresponding lending and borrowing transactions and the relevant documents. Such internal record creating does not create debt.
I have requested debt validation in this case since December of 2011. Your client has repeatedly failed to validate that (1) I received student loans and that any debt actually exists, and (2) that your client holds valid legally binding promissory note debt instruments, and (3) that your client is the legal owner of the alleged debt.
If your client is unable to validate the debt as requested above within 30 days of your receipt of this letter, you and your client must stop making any further monetary demands and state in writing that the Department of Education will not under any circumstances make any further demands regarding the specific previously claimed alleged debt, and will not authorize any individual, company, organization or institution to make any kinds of further demands regarding the specific previously claimed alleged debt.