When you explain to an addict, why his or her addiction related behavior is inappropriate, it is likely that the addict will not listen to you. Addict doesn’t listen to reason, especially when addiction related areas are involved. Addict follows whatever the addiction related needs dictate to him or her.
Outside intervention is often needed in order to modify addiction related behaviors.
The same seems to apply to the U.S. Department of Education handling student loan related debt validation. People there are addicted to the powers that have been granted to the Department of Education.
Below is a copy of a letter that’s related to my struggle with people at the U.S. Department of Education – people, who obviously do not care that their demands are unreasonable and unvalidated. They have the power to make demands, so, that’s what they do, even at the cost of using involuntary servitude in the process.
The Honorable Loretta Lynch
U.S. Department of Justice
950 Pennsylvania Avenue, NW
Washington, DC 20530-0001
Dear Attorney General Lynch,
I am seeking your help with ending a situation where I am being forced to work endlessly in involuntary servitude conditions.
The U.S. Department of Education has been demanding money from me for an alleged debt. Despite of my repeated requests, no validation has been offered, that any corresponding lending and borrowing transactions have actually taken place, and that I have ever received any of the alleged loans either directly or indirectly, as tuition support.
This case has been going on for over 3 years, remaining in the same debt validation status. No end in sight. The only progress that has been made, has been made because I have been working on this case.
In the U.S. there is no institution that resolves student loan related disputes in a completely impartial manner, taking equally into consideration the interests of both sides.
Thus, I am seeking your help with resolving this case.
Please note that I am not seeking any kind of debt relief. I am seeking relief from being forced to work endlessly and without compensation on a debt validation case that is intended to benefit the U.S. Department of Education financially and, under the circumstances, the U.S. Department of Education should handle completely impartially with its own resources, within a reasonable pre-determined period of time (for example, 3 months).
I have been documenting this case on the Internet. In accordance with the previous documentation, please note that this is an open letter that I will publish on the Internet, on StopExtortion.org so that it is accessible to the general public and to other institutions.
Further, please note that until this case is resolved, I need to keep records of the relevant correspondence. I am not able to record phone calls. Therefore, I can correspond in writing only, via regular mail.
I will explain below the current situation further.
I came to the U.S. in 1989 as a political refugee from the Soviet Union. I attended state owned Rhode Island College between 1990 and 1996 as an honors student. 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.
I received Rhode Island College Honors Scholarship, Pell Grant and work-study financial aid that covered the cost of my attending Rhode Island College.
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.
However, the Department of Education insists that I also borrowed $46,354.00 as principal from Fleet National Bank, to which the Department of Education later added interest and fees, so that at this point the Department of Education is demanding from me over $135,000.00.
The amount of money that the Department of Education claims that I borrowed is several times higher than I possibly could have received, 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.
I have been requesting debt validation from the Department of Education from December of 2011, when I received a student loan collection letter.
None of the demands have been validated. There is no validation that I ever received any of the alleged loans either directly, or indirectly, as tuition support. Similarly, there is no validation that any legally binding documents exist.
The over three years long dispute with the Department of Education has so far resulted in identifying the following:
The Department of Education representative does not state that I received student loans and that I must pay the Department of Education because I received student loans. Instead, the Department of Education representative states that I must pay them because I signed the financial aid applications, which the Department of Education also calls promissory notes. However, financial aid applications and promissory notes are different documents.
These less than a page long financial aid applications contain only one place for signature, and that is where I signed them.
Further, there are requirements set for legally binding promissory notes, and the financial aid applications that I signed do not qualify as legally binding promissory notes.
In addition, the bottom halves of the same less than a page long financial aid applications contain information that indicates, that the applications were processed for financial aid other than loans – and I did receive such financial aid.
When I started the debt validation process, I did not know any of this. It has taken me a lot of work and time to find out the relevant details and information. This entire process has been very difficult, causing me a lot of mental suffering.
Based on my case I have to conclude that the Department of Education employees purposefully want to maintain their stronghold, hoping to eventually force me into paying them anyway, because they have a never ending ability to make monetary demands that they do not have to actually validate. Thus, they knowingly cause endless suffering.
There is nothing accidental about this. Based on the available evidence, in this case the Department of Education employees cause this suffering purposefully and deliberately. This must be stopped.
First of all, I hope that we agree on the following: the U.S. Department of Justice even having to seriously consider whether or not this case qualifies as involuntary servitude shows, that there is something very wrong here. After all, the party that inflicts harm is another, well-known government institution, the U.S. Department of Education.
Harm is being inflicted, that much is absolutely certain. So, does this case qualify as involuntary servitude?
This case is intended to benefit the U.S. Department of Education financially. Otherwise, this case would not exist.
There is no debt that the U.S. Department of Education is collecting money on. Instead, the information and the evidence that have been gathered overwhelmingly indicate that the U.S. Department of Education has been making monetary demands based on bad record keeping, which it tries to cover up. This relevant information and evidence have been gathered due to my work and efforts.
For over 3 years I have been forced to work on this U.S. Department of Education debt validation / bad record keeping cover-up case, without compensation, against my will. If I would not have worked on this case, I would be rendered into financial servitude, having to pay a debt that does not exist, and interest and penalties on top of nonexistent debt.
Thus, I have to work on this case, whether or not I want to do so, because the alternative is even worse.
Further, I do not have any security and safety in this case. Even though the Department of Education has not furnished requested validation that the alleged debt actually exists, based on their statements, they can force me to pay them, for example, through garnishing wages.
Based on the above, I conclude that I have been working, and continue to work, in involuntary servitude conditions.
For all practical purposes, in the U.S., other than courts, there is no independent institution that would handle such cases completely impartially and would also have the authority to advise the U.S. Department of Education, or to take corrective action, if wrongdoing by the U.S. Department of Education has occurred.
However, that does not mean that the U.S. Department of Education employees have the legal right to render individuals into involuntary servitude by using the special powers granted to them, as they have done in my case.
Below is additional information on this case background.
The Department of Education claimed, that it has my original promissory notes in its possession. Later it turned out that such documents simply do not exist.
Similarly, the Department of Education has stated that in 1997 Fleet Bank, a private lender, submitted insurance claims to a guaranty agency, and the guaranty agency made monetary payments to Fleet Bank.
However, the only records that the Department of Education is able to furnish as proof of these transactions are internal documents – for all practical purposes scratch papers – that any employee could have filled in at any point in time. If these transactions did actually occur, then why aren’t there any documents showing that Fleet Bank submitted claims, and that guaranty agency made payments to Fleet Bank? If these transactions actually took place, then why did the guaranty agency chose to retain for years irrelevant scratch paper, instead of records of actual transactions?
The Department of Education demands that I must prove that I did not receive bank loans – even though the demands have not been validated. Thus, I am asked to prove that I did not receive nonexistent loans.
Because of the special powers granted to the Department of Education, the Department of Education can go on and on with these circular demands.
The Department of Education operates under a business model, where it uses the powers granted to this institution and keeps making unvalidated demands and pressuring the former student to make payments on unvalidated debt, even though, based on the available information, the debt does not exist.
I graduated from college in 1996. In 2012 the Department of Education sent me what they claimed to be copies of my original Notice of Loan Guarantee and Disclosure Statements. However, it turned out that these statements were generated in 2012 by entering my current information into a computer system in 2012 – more than 15 years after I graduated from college.
Following the instructions that I received from Naomi Randolph, Special Assistant, Operations Services, Federal Student Aid, I submitted a FOIA request to the Department of Education first on 07/15/13. I received a response stating that I must sign a specific statement. I did so. Then I received yet another request to sign yet another statement, where I had to declare under penalty of perjury that the information that I have provided about this case is true to the best of my knowledge. I did sign that specific statement as well.
After my third FOIA request, I received the United States Department of Education FOIA REQUEST ACKNOWLEDGEMENT, which states that the date the request was received was August 20, 2013. The FOIA tracking number of my request is XX-XXXXX-XX
The Department of Education has not explained what legal right did the Department of Education have to refuse to process my FOIA request until I had singed a statement under penalty of perjury.
I did receive a response to my FOIA request. The response, dated 03/11/14, states that my FOIA request “was forwarded to the appropriate office within the Department to search for documents that may be responsive to my request,” and the Office of Business Operations in FSA was “unable to locate any records responsive to my request.”
However, previously the Department of Education has stated that it has information on my receipt of grants. Thus, the FOIA response is in conflict with the information that the Department of Education has previously provided.
Accordingly, on 05/19/14 I contacted Office of Government Information Services (OGIS), National Archives and Records Administration. I received a response, dated 12/12/14, and requested clarification in a letter dated 02/09/15.
Consequently I also received a response form the Department of Education FOIA Unit, dated 03/09/2014, even though the letter was actually sent to me in 2015. In that letter the Department of Education FOIA Unit representative claimed, that they sent me 386 pages of information that is responsive to my FOIA request. In reality, 84% or 324 pages out of the total of 386 pages of the material that I received, were copies of my letters to the U.S. Department of Education, requesting validation of the alleged debt. Further, this material contained duplicated copies of my letters – apparently, in an attempt to generate more volume of the “legitimate support material,” the U.S. Department of Education FOIA Unit sent me 2 copies of my debt validation request letters to the Department of Education.
The rest of the material was copies of computer screen snapshots and other internal records that apparently were generated after I graduated from college. I did not receive any of the requested information that would demonstrate, that the alleged lending and borrowing transactions actually took place, and that I received any of the alleged loans either directly or indirectly, as tuition support.
On 05/04/2015 I responded, requesting information on work-study financial aid. For some reason, the Department of Education FOIA Unit has not sent me information in the latter area.
At the time of writing this letter to you, I am waiting for the relevant information from the Department of Education FOIA Unit.
In June of 2014 I found out that the Department of Education had reported the unvalidated, non-existent student loans to Experian credit bureau, as if these were actual loans in collection.
To put things into perspective, I started requesting debt validation in December of 2011 after I had received a student loan collection letter. At the time of my writing this letter, this debt validation dispute is ongoing, with no end in sight. Department of Education’s reporting of the fictional loans to a credit bureau started in 06/2012 and ended in 08/2013.
At the time when the Department of Education chose to report these fictional records as actual loans to a credit bureau, it must have been clear to the Department of Education, that there are no documents showing that I ever received any of these alleged loans either directly or indirectly, as tuition support. Similarly, it must have been clear to the Department of Education, that there are no actual promissory notes or contracts involved here.
Because the loans do not exist, the Department of Education is not collecting any monthly revenue on them either.
Thus, I have to conclude that the reason that the Department of Education chose to report these fictional records as actual loans to a credit bureau was bullying. People at the Department of Education wanted to show how powerful they are and what I can do to me.
These fraudulently reported records prevented me from obtaining credit, from renting an apartment, and from seeking employment. Thus, these actions caused me harm.
On 06/23/14 I contacted the Department of Education and requested removal of these records. The Department of Education responded, refusing to remove the fraudulently reported records.
On 03/16/15 I contacted Experian North America credit bureau, which removed these records from my credit report.
I have requested that the Department of Education validates that (1) I received the alleged student loans and that the relevant debt exists, and (2) that the Department of Education holds relevant valid legally binding promissory note debt instruments, and (3) that the Department of Education is the legal owner of the relevant alleged debt.
Throughout the over three years long debt validation dispute, the Department of Education has failed in all three areas.
The Department of Education is not exempt from debt validation, and the Department of Education does not have the legal right to force a past student loan applicant to make payments on an unvalidated debt.
Accordingly, I request that the Department of Education ceases and desists making any further monetary demands and states in writing that the Department of Education will not under any circumstances take any actions and will not make any further demands regarding the specific previously claimed alleged debt, and will not authorize any individual, company, organization or institution to take any actions or to make any kinds of further demands regarding the specific previously claimed alleged debt.
People at the Department of Education are using involuntary servitude for the financial benefit of the Department of Education – just because they can. Further, people at the Department of Education are trying to redefine, at their convenience, what constitutes debt and debt obligations, what are legally binding promissory notes, and what are legally binding contracts.
This is plain wrong.
In accordance with case law, (citing)
The above citation is applicable to the time period when the alleged loans were made.
Accordingly, when the Department of Education becomes the holder of the promissory notes, it is not the original lender, nor the school involved, but the Department of Education that has to answer for actions related to originating and collecting the debt, as well as other potentially fraudulent aspects of an individual student loan cases.
In this case, legally binding promissory notes and debt either exist, or they do not exist.
If the Department of Education maintains a claim that it is the legal owner of legally binding promissory notes, I expect the Department of Education to furnish copies of the original legally binding promissory notes that are in accordance with Uniform Commercial Code (UCC) requirements for legally binding promissory notes. In that case, the Department of Education is also in the shoes of the lender. As lender, I expect the Department of Education to furnish proof, that the lending and borrowing transactions actually occurred and the corresponding debt obligations actually exist.
If the legally binding promissory notes do not exist, and there is no conclusive proof that the lending and borrowing transactions occurred, I expect the Department of Education to issue a statement clearly stating that it will end the unvalidated monetary demands.
Until then, I have to contact an ever increasing number of institutions and individuals, and during the next election cycle attempt to get national attention to the Department of Education’s operating practices, hoping that the next administration will follow more prudent policies. Thus, we have an everlasting dispute. Whom does that benefit?
I do believe, that it is in everybody’s interest to find a solution to this dispute. Accordingly, I hope that your involvement can help to move this dispute in the direction of finding a conclusion to it.