CRIMINAL REPORT ECMC DEBT COLLECTION HARASSMENT AND FRAUD

3230 Cruger Avenue # 6B Bronx, New York 10467 August 30, 2012

Eric Holder, US Attorney General, AskDOJ@usdoj.gov Criminal Division U.S. Department of Justice, 1 202 616 0762 950 Pennsylvania Avenue, NW Washington, DC 20530-0001 NYS Attorney General Schniederman Criminal Fraud Division Office of the Attorney General The Capitol Albany, NY 12224-0341 U.S. Department of Education FSA Ombudsman Group 830 First Street, N.E. Fourth Floor Washington, DC 20202-5144 Phone: 1-877-557-2575 Fax: 202-275-0549 Bureau of Consumer Protection Federal Trade Commission 600 Pennsylvania Avenue, NW Washington, DC 20580 (202) 326-2222 www.ftc.gov U.S. Department of Education c/o Education Credit Management Corp P.O Box 17708 St. Paul, MN 55101 RE: ECMC ( EDUCATIONAL CREDIT MANAGEMENT CORPORATION) UNSCRUPULOUS, HARASSING, AND CRIMINAL DEBT COLLECTION PRACTICES, CONDUCT HIGHLY OFFENSIVE TO A REASONABLE PERSON, ECMC ATTACHED 12 PAGES OF UNREGULATED FINANCIAL FRAUD, ECMC’S REPLICATED USE OF FALSE REPRESENTATIONS AND DECEPTIVE MEANS TO COLLECT A DEBT OR OBTAIN INFORMATION CONCERNING A CONSUMER, ECMC’S REPLICATED VIOLATIVE CONDUCT WHICH IS TO HARASS, OPPRESS, AND ABUSE ANY PERSON, ECMC’S CONTINUED FALSE AND MISLEADING REPRESENTATIONS IN THE ATTACHED SAME DAY MAILED 12 COMMUNICATIONS, FRAUD IN ECMC’S CHARACTER, AMOUNT AND LEGAL STATUS OF THE ALLEGED DEBT, ECMC’S DISCRIMINATORY AND RETALITORY TREATMENT, RELENTLESS HARASSMENT, ALLEGED DEBT NON VALIDATION, CRIIMINAL AND COERCED COLLECTION, ABSENCE OF A NECESSARY PARTY, REFUSAL TO PRODUCE A BINDING CONTRACT , REFUSAL TO 1

PRODUCE PROOF OF GUARANTAR STATUS, REFUSAL TO STATE AMOUNT ECMC PURRCHASED THE ALLEGED DEBT FOR, OBSTRUCTION OF FAIR CREDIT AND LENDING LAWS, OBSTRUCTION OF GENERAL BUSINESS LAW (GBL) 349, OBSTRUCTION OF THE FDCPA, ATTACHED REPITITIOUS DOCUMENTED FRAUDULENT AMOUNTS, ECMC’S FAIURE TO MEANINGFULLY CONVEY THE REQUIRED DISCLOSURES, MALICIOUS, CRIMINAL AND CONTINUOUS UNFAIR AND DECEPTIVE ACTS IN CONNECTION WITH THE COLLECTION OF AN ALLEGED DEBT.

Dear Criminal Investigators and Consumer Rights Specialists: I write this criminal report with respect to the attached 12 extortion letters with different amounts I received in one day from ECMC in retaliation to my debt dispute and validation request sent August 16, 2012.

The attached 12 ECMC extortion documents coupled with their fraud based privacy rights notice and their other attached extortion forms exemplify the below crimes. I seek an end to these criminal, threatening and harassing practices disguised as debt collection. I write this criminal report charging ECMC with the below crimes based on their attached financial fraud extortion letters.

New York Penal - Article 190 - § 190.65 Scheme to Defraud in the First Degree 175.05 - Falsifying Business Records In The Second Degree.

175.10 - Falsifying Business Records In The First Degree.

175.30 - Offering A False Instrument For Filing In The Second Degree.

175.35 - Offering A False Instrument For Filing In The First Degree.

175.45 - Issuing a False Financial Statement.

18 USC 1341 Frauds and Swindles.

18 USC 1512 Engaging In Misleading Conduct.

18 USC 1503 Intimidate Witnesses.

185.05 Fraud Involving A Security Interest; 190.40 190.42 190.45 190.50 190.55 190.60 190.65

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Criminal usury in the second degree.

Criminal usury in the first degree.

Possession of usurious loan records.

Unlawful collection practices.

Making a false statement of credit terms.

Scheme to defraud in the second degree.

Scheme to defraud in the first degree.

The attached unsigned ECMC letters with different extortion amounts on each letter, exemplify a bonafide and malicious scheme to defraud. Their conduct is criminal, harassing, unwarranted, and based on fraud. I seek an end to these crimes. Please see exhibit 12. I am resubmitting this debt dispute and validation demand. The alleged debt is based on fraud and cannot be validated Consequently, ECMC is criminally harassing me. I seek and end to such. Thank you.

Sincerely,

Miriam Snyder 2

EXHIBIT 1 I RECEIVED THIS WITH THE BELOW ECMC EXTORTION LETTERS ON AUGUST 23, 2012. THE LETTER IS BACK DATED

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EXHIBIT 2 I RECEIVED THIS ECMC EXTORTION LETTER ON AUGUST 23, 2012.

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EXHIBIT 3 I RECEIVED THIS ECMC EXTORTION LETTER ON AUGUST 23, 2012.

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EXHIBIT 4 I RECEIVED THIS ECMC EXTORTION LETTER ON AUGUST 23, 2012.

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EXHIBIT 5 I RECEIVED THIS ECMC EXTORTION LETTER ON AUGUST 23, 2012.

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EXHIBIT 6 I RECEIVED THIS ECMC EXTORTION LETTER ON AUGUST 23, 2012.

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EXHIBIT 7 I RECEIVED THIS ECMC EXTORTION LETTER ON AUGUST 23, 2012.

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EXHIBIT 8 I RECEIVED THIS ECMC EXTORTION LETTER ON AUGUST 23, 2012.

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EXHIBIT 9 I RECEIVED THIS ECMC EXTORTION LETTER ON AUGUST 23, 2012.

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EXHIBIT 10 I RECEIVED THIS ECMC EXTORTION LETTER ON AUGUST 23, 2012.

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EXHIBIT 11 I RECEIVED THIS ECMC EXTORTION LETTER ON AUGUST 23, 2012.

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EXHIBIT 12 RESUBMITTED DISPUTE LETTER AND DEMAND FOR VALIDATION AND AMOUNT ECMC BOUGHT THE ALLEGED DEBT FOR 3230 Cruger Avenue #6B Bronx, New York 10467 July 17 2012 ECMC 1 Imation Place Attention: Guarantor Services Building 2 Oakdale, MN 55128 1500 Valley River Drive, Ste 190 Eugene, Oregon 97401 800-780-7997

RE: ECMC ATTACHED UNDATED AND UNSIGNED NOTICE OF PRIVACY POLICY EDUCATIONAL CREDIT MANAGEMENT CORPORATION: VIOLATES FDCPA § 1692B IN OBTAINING LOCATION INFORMATION. THE DEBT COLLECTOR DID NOT IDENTIFY HIMSELF/HERSELF AND STATE HE/SHE IS CONFIRMING LOCATION INFORMATION, VIOLATION OF 1692E OF THE FDCPA WHCICH PROHIBITS “THE USE OF ANY FALSE REPRESENTATION OR DECEPTIVE MEANS TO COLLECT OR ATTEMPT TO COLLECT ANY DEBT OR TO OBTAIN INFORMATION CONCERNING A CONSUMER, ECMC’S, VIOLATIONS OF FDCPA 1692e FALSE, DECEPTIVE, MISLEADING STATEMENTS, ETC…

To ECMC Guarantor Debt Collectors: This letter is being sent to you in response to FDCPA violations documented in the attached ECMC unsigned and undated deceptive Notice of Privacy Policy debt collection letter.

Foremost, the attached ECMC Notice of Privacy Policy letter clearly states that it is sent to safeguard non-public personal financial information, while the true intent is to deceptively and criminally attempt to defraud, extort and collect a non-owed and nonexistent ECMC debt. Please see the reference section showing the scandalous and greed based criminal debt collection practices of ECMC. Consequently the purpose of this letter is to notify ECMC of documented debt collection harassment practices and to demand a cease and desist of such. Above all, this letter is written pursuant to consumer protections rooted in the Fair Debt Collection Practices Act. 14

The attached unsigned and undated ECMC Notice of Privacy Policy letter violates Section 1692E of the FDCPA which prohibits the use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

The attached ECMC Notice of Privacy Policy letter is false, deceptive, and has misleading statements. ECMC’s attached letter epitomizes misleading representation as a means in connection with debt collection. The attached undated and unsigned ECMC letter clearly seeks to deceptively collect information concerning a possible consumer. The letter is misleading as it states that its primary purpose is to safeguard personal information when in reality ECMC is a documented vexatious and unscrupulous debt collection agency, seeking to extort monies for non-existent and non-binding accounts. Please see the reference section exemplifying ECMC’s history of such.

The attached ECMC undated and unsigned letter violates FDCPA § 1692b in obtaining location information. The debt collector did not identify himself/herself and state he/she is confirming location information.

Furthermore, the attached unsigned and undated ECMC letter obstructs § 1692G of the FDCPA, the first communication to a consumer from a debt collector must include a validation notice, i.e., notice that the debtor has 30 days to challenge the validity of the debt and I seek the binding contract between ECMC and the alleged, to the claimed debt.

Moreover, the attached ECMC unsigned and undated letter does not include the FDCPA Section 1692e( 11) “mini-Miranda” warning. ECMC’s initial form collection letter contains neither of these required notices and, thus, violates 5 1692e(ll) and g of the FDCPA. The attached ECMC undated and unsigned letter alleges that: RECENT FEDERAL LEGISLATION REQUIRES ECMC TO SEND THE ATTACHED NOTICE OF PRIVACY REGARDING ECMC’S PRIVACY POLICY. This false statement with no verification whatsoever is a clear violation of FDCPA § 1692 e(9) Represent documents as authorized, issued or approved by any court, official, or agency of the United States or state. There is no legislation authorizing ECMC’s deceptive and criminal Notice of Privacy Policy.

Additionally, the attached ECMC’s undated and unsigned letter states that: THE LAW ALSO, REQUIRES US TO PROVIDE YOU WITH A COPY OF THIS NOTICE EACH YEAR THAT YOU ARE OUR CUSTOMER. This statement in and of itself violates FDCPA § 1692 e(9) noted in the above paragraph. In addition, it is a criminal attempt to create an unconscionable customer contract between ECMC and the name on the ECMC letter when no contract or relationship exists. This is a desperate debt collector illegal tactic to create a 15

an alleged contractual relationship/agreement with a natural person and a debt collector.

For the record note, Miriam Snyder is not and never will be an ECMC customer or a cash cow.

This ECMC false customer statement obstructs FDCPA § 1692 f and exemplifies unfair and unconscionable means to collect or attempt to collect an alleged debt.

The last paragraph in the attached undated and unsigned ECMC Notice of Privacy Policy letter states that: YOU DO NOT NEED TO CALL OR DO ANYTHING AS A RESULT OF THIS NOTICE. IT IS MEANT TO INFORM YOU OF HOW ECMC SAFEGUARDS YOUR NON PUBLIC PERSONAL FINANCIAL INFORMATION. THIS NOTICE IS NOT AN ATTEMPT TO COLLECT A DEBT. The above noted ECMC deception is a clear obstruction of FDCPA § 1692 e(15) Documents do not require action by the consumer.

In summary, ECMC’s attached Notice of Privacy letter exemplifies a clear criminal scheme to defraud, combined with racketeering and corruption practices seeking to criminally extort monies based off of unconscionable and criminal contracting attempts. Additionally, this one letter violates over 12 sections of the FDCPA. Some of the obvious FDCPA violations include the below:  The attached ECMC undated and unsigned letter violates FDCPA § 1692b in obtaining location information. The debt collector did not identify himself/herself and state he/she is confirming location information.  The attached ECMC undated and unsigned letter violates FDCPA §1692e via simulating documents intended to appear as court documents where it states that: RECENT FEDERAL LEGISLATION REQUIRES ECMC TO SEND THE ATTACHED NOTICE OF PRIVACY REGARDING ECMC’S PRIVACY POLICY AND THE LAW ALSO, REQUIRES US TO PROVIDE YOU WITH A COPY OF THIS NOTICE EACH YEAR THAT YOU ARE OUR CUSTOMER  The attached ECMC undated and unsigned letter violates FDCPA § 1692 e(11) Communication fail to contain the mini-Miranda warning: "This is an attempt to collect a debt… communication is from a debt collector.”

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 The attached ECMC undated and unsigned letter violates FDCPA § 1692 e(10) Any false representation or deceptive means to collect a debt or obtain information about a consumer  The attached ECMC undated and unsigned letter violates FDCPA § 1692 f Any unfair or unconscionable means to collect or attempt to collect the alleged debt  The attached ECMC undated and unsigned letter violates FDCPA § 1692 d Any conduct the natural consequence of which is to harass, oppress, or abuse any person  The attached ECMC undated and unsigned letter violates FDCPA § 1692 e(15) Documents are not legal process forms or do not require action by the consumer  The attached ECMC undated and unsigned letter violates FDCPA § 1692 e(16) Debt collector operates or is employed by a consumer reporting agency  The attached ECMC undated and unsigned letter violates FDCPA § 1692 g Failure to send the consumer a 30-day validation notice within five days of the initial communication Deceptive Forms by Creditor  The attached ECMC undated and unsigned letter violates FDCPA § 1692 j Forms been designed, compiled and/or furnished to create the false belief that person other than creditor is collecting.  The attached ECMC undated and unsigned letter violates FDCPA § 1692 e(9) Represent documents as authorized, issued or approved by any court, official, or agency of the United States or state.

Please note that this letter shall additionally serve as a notice pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that ECMC’s criminal debt collection practices and non-existent claim is disputed and validation is required.

This is NOT a request for “verification” or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. This is a request for the legislation noted in the attached unsigned and undated ECMC Notice of Privacy letter.

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Additionally, the binding CONTRACT that validates ECMC customer allegation is needed as I know of known.

Additionally, ECMC needs to provide me with the following: 1. What the money you say I owe is for; 2. Explain and show me how you calculated what you say I owe; 3. Provide me with copies of any papers that show I agreed to pay ECMC what you say I owe; 4. Prove the Statute of Limitations has not expired on this account.

5. Show me that you are licensed to collect in my state.

6. Provide me with your license numbers and Registered Agent.

If ECMC contacts me again without validation, specifically competent evidence that I have any legal obligation to ECMC, I will sue ECMC for the above noted violations. Additionally, the ECMC defraud to scheme crimes in the unsigned and undated letter attached will be reported to criminal authorities that prosecute defraud to scheme, racketeering and extortion crimes. These criminal defraud to scheme and extort money not owed from innocent people under the disguise of debt collection guaranty practices will be stopped.

If ECMC has reported erroneous information to any of the major credit bureaus, based on the above noted fraud, action will be taken under both federal and state laws.

Due to this fact, if any negative mark is found on any of my credit reports by your company or any company that ECMC represents, I will not hesitate in bringing legal action against ECMC for the above noted crimes and violations, as well as the following: • Violation of the Fair Credit Reporting Act • Violation of the Fair Debt Collection Practices Act • Defamation of character for contacting any other person than myself regarding this alleged debt. 

Violation of the state statutes of limitations

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Violation of the state laws relating to credit 18

If your offices are able to provide proper proof of a validating, binding ECMC contract as requested in the preceding, I will require at least 30 days to investigate this information and during such time, all collection activity must cease and desist.

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Also during this validation period, if your offices fail to respond to this validation request within 30 days from the date of this certified mail letter, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion shall be sent to me immediately.

Please note that no telephone contact is to be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit.

All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to stop debt collection harassment and correct your records; any information obtained shall be used for that purpose.

Please note this is a demand to cease and desist all harassment and deceptive debt collection practices.

Please note that under § 1692k of the FDCPA, ECMC’s violation of the FDCPA renders it liable for statutory damages, costs and reasonable fees. Consequently, guide ECMC’s action cautiously as I am prepared to show a preponderance of evidence that ECMS’s violations are harassing, criminal, intentional, malicious, repetitious, and unscrupulous. The criminal creation of ECMC debts out of thin air must and will be stopped.

Sincerely,

Miriam Snyder

P.S. If ECMC takes my signature off of this letter and or any other one and attempts to use it to create/falsify a contract, all CONSPIRACTORS WILL BE INCARCERATED.

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REFERENCES Ripoff Report | Educational Credit Management Corporation ... www.ripoffreport.com/.../educational-credit-management-14c57.htm Dec 20, 2011 – Educational Credit Management Corporation ECMC sent ... Change your Facebook and Twitter privacy settings to only allow friends .... but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. Taxpayers Fund $454,000 Pay For Collector Chasing Student Loans http://www.bloomberg.com/news/2012-05-15/taxpayers-fund-454-000-pay-forcollector-chasing-student-loans.html

Rowe v. Educational Credit Management Corporation - Justia law.justia.com/cases/federal/district-courts/oregon/ordce/6.../89/ 06-1131-HO ORDER Plaintiff, Jeffrey Rowe, brings this action alleging violation of the Fair Debt Collection Practices Act (FDCPA), violation of the Oregon ...

OR http://caselaw.findlaw.com/us-9th-circuit/1391358.html

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POSTED AT: http://issuu.com/prayerwarriorsneeded/docs/ecmcfraudfinallee?mode=window&viewMode=singlePage

3230 Cruger Avenue # 6B Bronx, New York 10467 August 16, 2012 U.S. Department of Education FSA Ombudsman Group 830 First Street, N.E. Fourth Floor Washington, DC 20202-5144 Phone: 1-877-557-2575 Fax: 202-275-0549 Bureau of Consumer Protection Federal Trade Commission 600 Pennsylvania Avenue, NW Washington, DC 20580 (202) 326-2222 www.ftc.gov U.S. Department of Education c/o Education Credit Management Corp P.O Box 17708 St. Paul, MN 55101 Dear U.S. Department of Education Representatives: I write this letter documenting and disputing the extortion and harassment methods inflicted on me by Educational Credit Management Credit Corp, an alleged student loan debt collector. Foremost attached you will find two letters I have written them seeking an end to ECMC harassing and deceptive debt collection practices. I am not accustomed to people threatening to take money from me while no one signs a name to the threats or letters, while this agency is listed on the internet as a Rip Off agency, while this agency is advertised on the internet as a $454,000 profiteer at the expense of defrauding vulnerable populations. Please see exhibit 5.

I have no evidence of ECMC’s authority to collect money from me and seek such. I seek bonafide evidence that ECMC is the real party in interest in this student loan matter. I dispute the alleged debt amount. I dispute the authenticity of their attached promissory note. I believe ECMC is operating as a debt collection induce poverty scam office based on each of the deceptions cited in the attached letters dated July 17 and 25, 2012.

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Everything ECMC has done to me thus far is based on harassment, fraud, extortion coercion, and deception as cited in my attached two letters. I seek an investigation as to why they have contacted me in such a deceptive and maliciously threatening manner. I seek a reason for their refusal to date and sign their letters and identify themselves.

I seek a reason for their unconscionable contracting while they have not illustrated any proof of alleged guarantor status or authority to demand or collect money from me. I seek a reason for ECMC’s simulation of court documents/legislation. I seek a reason for the above and attached noted ECMC deception. If ECMC has lawful authority to collect and contract with me, why are there so many deceptive practices implemented as noted in my attached letters?

With respect to the alleged voided and defaulted judgment, I have no record of such and object to its authenticity. I would appreciate authentication of the judgment and if authenticated I seek papers needed to vacate such defaulted judgment based on the fact that I was not served.

In summary, I have been victimized too many times from income lynching, job mobbing, theft of money owed me, income blacklisting from suing a union and overall inflicted conspiracy against rights with intent to financially assassinate. Consequently I resent the malicious enjoinment of ECMC in this well documented financial assassination that will be stopped.

First of all, because income blacklisting is not stopped I have not worked for several years including the last 12 months. Consequently a threat of garnishment on a disputed debt is unreasonable, unwarranted, non- procedural and abusive. Because of the above noted unregulated crimes, coupled with not being allowed to work for several years, I became a traumatized crime victim and was forced to get Social Security as a means of survival. I lived several years with no income because of the prioritization of blacklisting, greed, revenge, and a documented conspiracy against rights.

I have a post graduate license in education administration and a Master of Science degree in TESOL. I am bilingual. I read, write and speak English and Spanish proficiently. I worked over 20 years steadfast with no breaks. After suing a union, I was income blacklisted. Please see the below link.

I have spent the last several years looking for business opportunities and jobs all day and night. I sent out over 3 million resumes. Please see the reference section. My areas of expertise were and are needed. I am criminally and covertly via criminal law department ordering, not being allowed to work despite having exemplary work ratings, accomplishments, and a steady work history up to suing a union and filing criminal reports on two chief criminal legal officers who used law departments and unions to target and job mob me. Please see the reference section and the below link: http://endorganizedcrime.files.wordpress.com/2012/02/56003334-notarized-tort-may-2011-nys-crimevictim-affidavit-may-20-1.pdf

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Because of the above unregulated and ongoing crimes I was traumatized and forced to Social Security.

My education was made criminally and maliciously useless. See the above link. I did everything in my power to earn income and was repeatedly and maliciously blacklisted and income lynched, despite filing multiple police and criminal reports.

Consequently, the law department enjoinment of ECMC to income lynch me without transparent authority or standing, deceptively, untimely, and with the disregard of my unemployment status for the last 12 months ,is not a surprise, but will not be tolerated.

I am a crime victim who is not being allowed to work. ECMC’s improper procedures to collect are harassing and deceptive. I seek an end to such. The threats of garnishment on survival funds are further traumatizing as I am a crime victim who has not received or had an income for more than a month.

I dispute the alleged debt in full. The ballooned amount is disputed, ECMC’s capacity to collect is disputed, the age of the debt is disputed and the authtencity of the alleged judgment and promissory note are disputed. The enjoinment of ECMC is disputed under the statute of frauds.

ECMC’s false and misleading representations of the alleged debt, threats, harassment, and deceptive practices inflicts undue hardship based on vexatious, malicious threats of extortion, and replicated fraud.

They have violated rules, regulations, etc pursuant to 47 USC Section 502. The have additionally obstructed all segments of Fair Debt Collection practices. They have pursued this matter with dirty hands. I seek the above noted information to prevent further trauma.

I seek the discharge of the debt based on the fact that I am not being allowed to use my education to earn any income. I seek non-garnishment of my crime victims compensation monies as a garnishment would serve to destroy me. I seek to be treated the way anyone reading this would want to be treated particularly after being victimized like I have as exemplified in the reference section.

I seek due process, a fair hearing, answers to the above questions, documents requested, validation, judgment and promissory note authentication, ECMC capacity and authority to collect documentation, judgment dismissal, amount validation, reason for over thirty thousand dollars in escalated fees, reason for loan forgiveness public teaching disregard, reason for over 12 month unemployment disregard, loan discharge/deferment and each and every consumer protection and rights enforcement based on law, and the above and attached documents. Five exhibits are attached. I seek the end to the fraud, deception and harassment. Thank you.

Sincerely,

Miriam Snyder

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EXHIBIT 1 REFERENCES: Summary of the workplace legal abuse, attempted murders, income lynching, racketeering, and scheme to defraud crimes and injuries inflicted on me.

1. NYS Courts, Judicial crimes: pages 39-53:

http://issuu.com/prayerwarriorsneeded/docs/56050639-full-notarized-finale-tort-may2011-nys-c?mode=window&viewMode=singlePage

2. Hempstead Public Schools, Settlement documenting Attempted Murder, Hate crimes, Statutory Tenure Violations, job mobbing, racketeering and corruption, US Black Codes Synder Name Crimes, Scheme to defraud, Unregulated Engagement in Conduct Likely to kill and Cause Serious Injury,Theft of over $670,000 Tenured income ,Pages 54-115: http://issuu.com/prayerwarriorsneeded/docs/56050639-full-notarized-finale-tort-may-2011-nysc?mode=window&viewMode=singlePage 3. Office of the State Attorney General, Under Elliot Spitzer, Scheme to Defraud, Unconscionable Contracting, Theft of $3,872.00 pages 118-121:

http://issuu.com/prayerwarriorsneeded/docs/56050639-full-notarized-finale-tort-may2011-nys-c?mode=window&viewMode=singlePage

4. Yonkers Public Schools: Hate crimes, Statutory Tenure Violations, job mobbing, racketeering and corruption, US Black Codes, Scheme to defraud, Theft of over $770,000 Tenured income, Unregulated Engagement in Conduct Likely to kill and Cause Serious Injury, Pages 122 to 144

http://issuu.com/prayerwarriorsneeded/docs/56050639-full-notarized-finale-tort-may2011-nys-c?mode=window&viewMode=singlePage YONKERS PUBLIC SCHOOLS EXEMPLARY EVALUATIONS PAGES 6-10 http://www.scribd.com/doc/32583060/Lippman-Law-Dept-Replicated-Theft-of-All-Forms-ofSupport-Wages-and-NYS-Statutory-Tenure-Obstructions-Unregulated-Attempted-Murder

5. PACE University, Aggravated Harassment, Hate Crimes, US Black Codes Synder Name, Theft of Income Earned, Job Mobbing, pages 146-150: http://issuu.com/prayerwarriorsneeded/docs/56050639-full-notarized-finale-tort-may-2011-nysc?mode=window&viewMode=singlePage

6. Frivolous and Malicious Police report and enjoinment: page 153: http://issuu.com/prayerwarriorsneeded/docs/56050639-full-notarized-finale-tort-may-2011-nysc?mode=window&viewMode=singlePage 7. Disablement of Public Protection Offices, TITLE 18 > PART I > CHAPTER 13 ยง 241. CONSPIRACY AGAINST RIGHTS, pages 151-152:

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http://issuu.com/prayerwarriorsneeded/docs/56050639-full-notarized-finale-tort-may-2011-nysc?mode=window&viewMode=singlePage 8. Borough of Manhattan Community College: Theft of Funds via Fraud based judgment Garnishment, US Black Codes Synder Name Crimes, Retaliatory Criminal Extermination of Income, Hate Crimes, Discrimination, Job Mobbing, Scheme to Defraud, Theft of Money Worked for over $30,000 stolen, pages 155 to 168: http://issuu.com/prayerwarriorsneeded/docs/56050639-full-notarized-finale-tort-may-2011-nysc?mode=window&viewMode=singlePage

9. New York City Board of Elections: Hate Crime Administration, Income Lynching, scheme to defraud, racism, theft of money worked for on a seasonal job, pages 164-169: :

http://issuu.com/prayerwarriorsneeded/docs/56050639-full-notarized-finale-tort-may2011-nys-c?mode=window&viewMode=singlePage 10. Lippman Law Dept Replicated Theft of All Forms of Support, Wages and NYS Statutory Tenure Obstructions, Unregulated Attempted Murder http://issuu.com/prayerwarriorsneeded/docs/june_2010_documented_theft_of_all_forms_of_support? mode=window&viewMode=singlePage OR http://endorganizedcrime.files.wordpress.com/2012/02/june-2010-documented-theft-of-all-formsof-support-wages-and-nys-statutory-tenure-obstructions.pdf 11. KILLERS LIPPMAN $ GRAY REPLICATED, UNREGULATED NYS STATUTORY TENURE OBSTRUCTIONS, CRIMINAL LAW DEPT USURPATIONS, JUDICIAL CASE FIXING, INDUCED POVERTY TO ADVANCE KILLINGS

http://issuu.com/prayerwarriorsneeded/docs/32405085-killers-lippman-gray-replicatedunregulat?mode=window&viewMode=singlePage OR http://endorganizedcrime.files.wordpress.com/2012/02/32405085-killers-lippman-grayreplicated-unregulated-nys-statutory-tenure-obstructions-criminal-law-dept-usurpationsjudicial-case-fixing-induced-povert1.pdf 12. FRIVOLOUS LAW SUITS CRIMNAL REPORT AFFIDAVIT W CERTIFIED RECEIPTS MARCH 16, 2010 http://www.scribd.com/doc/28443726/Criminal-Report-Jonathan-Lippman-Bond-Number-Oath-ofOffice-Court-Entrapment-Patterns-Treason-Defraud-USA-Certified-Receipts-and-Notarize OR http://endorganizedcrime.files.wordpress.com/2012/02/criminal-report-jonathan-lippman-bondnumber-oath-of-office-court-entrapment-patterns-treason-defraud-usa-certified-receipts-andnotarized-1.pdf 13. CRIMINAL REPORT W CERTIFIED RECEIPTS SNYDER’S MEMORANDUM OF LAW RE JUDICIAL CRIMES IN THE COURTS http://issuu.com/prayerwarriorsneeded/docs/28277070-memorandum-of-law-jonathan-lippmanholder?mode=window&viewMode=singlePage

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OR http://endorganizedcrime.files.wordpress.com/2012/02/28277070-memorandum-of-law-jonathanlippman-holder-in-due-course-raqueteer-and-corruption-enterprise-no-signature-court-papers-freeonline-reading-of-all-3.pdf

14. Elder Abuse & Warrant for Arrest Jonathan Lippman Holder In Due Course False Instruments Administration MARCH 10, 2010 http://issuu.com/prayerwarriorsneeded/docs/28183019-elder-abuse-warrant-for-arrest-jonathanl?mode=window&viewMode=singlePage OR http://endorganizedcrime.files.wordpress.com/2012/02/28183019-elder-abuse-warrant-for-arrestjonathan-lippman-holder-in-due-course-false-instruments-administration1.pdf

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THE CRIMINAL DISABLEMENT AND DELETION OF PUBLISHED CRIMINAL REPORTS THE BELOW LINKS HAVE BEEN RECENTLY DEVELOPED, BECAUSE MY DOCUMENTS ON SCRIB.COM HAVE BEEN CRIMINALLY DELETED.

CYBER TORTS http://endorganizedcrime.files.wordpress.com/2012/02/final-notice-of-claim-letter-scribd-ceo-mr-adlerupdated-february-15-2011.pdf ELDER ABUSE JANUARY 2012: THE BELOW PAGES WILL SHOW SEVERAL INCIDENTS OF INFLICTED HARASSMENT AND ELDER ABUSE ON MY ELDERLY MOTHER IN LESS THAN ONE MONTH http://endorganizedcrime.files.wordpress.com/2012/02/final-complte-mom-comprehensive-inflictedharassment-2012.pdf NOVEMBER 2011 NOTARIZED CRIMINAL REPORT WRONGFUL DEATH AND HOSPITAL KILLING OF MYRA SNYDER SCOTT http://issuu.com/prayerwarriorsneeded/docs/ns_notarized_wrongful_death_and_killing_of_myra_fi?mode=wind ow&viewMode=singlePage OR http://www.endorganizedcrimeuniverse.com/assets/download/NS_NOTARIZED_WRONGFUL_DEATH_AND_KI LLING_OF_MYRA_FINAL_NOVEMBER_28.pdf OR http://endorganizedcrime.files.wordpress.com/2012/02/ns-notarized-wrongful-death-and-killing-of-myrafinal-november-28.pdf DECEMBER 2011 NASSAU COUNTY POLICE CHIEF KRUMPTER CERTIFIED LETTER REQUEST FOR POLICE REPORT NUMBERS http://issuu.com/prayerwarriorsneeded/docs/nassau_county_police_chief_krumpter_certified_lett?mode=windo w&viewMode=singlePage OR http://endorganizedcrime.files.wordpress.com/2012/02/nassau-county-police-chief-krumpter-certifiedletter-request-for-police-report-numbers.pdf

December 2011: Nassau County Internal Affairs, Officers Obstruct Criminal Report Filing Procedures: Myra Snyder Scott Felonious/Suspicious Death

http://issuu.com/prayerwarriorsneeded/docs/ns_nassau_county_internal_affairs_officers_obstruc?mode=windo w&viewMode=singlePage APRIL 2011 CRIMINAL REPORT APPEALING FOR AN END TO 10 YEARS OF DOCUMENTED AND UNREGULATED ATTEMPTED MURDER PROGRAMMINGS VIA OBSTRUCTION OF THE RULE OF LAW, FINANCIAL RAPING'S, STATUTORY TENURE OBSTRUCTIONS AND EUGENIC PROGRAMMINGS http://endorganizedcrime.files.wordpress.com/2012/02/56003334-notarized-tort-may-2011-nys-crimevictim-affidavit-may-20-1.pdf

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OR http://issuu.com/prayerwarriorsneeded/docs/56003334-notarized-tort-may-2011-nys-crime-victim?mode=window&viewMode=singlePage NOTRZD CRIMINAL REPT W RECPTS ERIC CHU CRIMINAL DENTAL MICROCHIP INJECTION AND BOYDEN GRAY NAME ALIGNED TAINTED DRUGS: EUGENIC CONSPIRACY TO MURDER INITIATION PHASE 1: OBSTRUCTIVE AIRWAY PASSAGE METAL PLACED ON ROOF OF MOUTH TO INDUCE HOSPITALIZE, BUT GOD! http://issuu.com/prayerwarriorsneeded/docs/24519760-notrzd-criminal-rept-w-recpts-eric-chucr?mode=window&viewMode=singlePage JUNE 12 2010 NYS CRIME VICTIM PROTECTION APPLICATION FINAL COMPLETE W RECEIPTS http://www.endorganizedcrimeuniverse.com/assets/download/JUNE_12_2010_NYS_CRIME_VICTIM_PROTEC TION_APPLICATION_FINAL_COMPLETE_W_RECEIPTS.pdf OR http://endorganizedcrime.files.wordpress.com/2012/02/june-12-2010-nys-crime-victim-protectionapplication-final-complete-w-receipts.pdf

SERIALKILLERSBOYDENGRAYJONATHANLIPPM ONE OF BOYDEN GRAY’S DISGUISED KILLING PROJECTS FOR CHILDREN http://endorganizedcrime.files.wordpress.com/2012/02/serialkillersboydengrayjonathanlippm.pdf Gray-Lippman-Step-By-Step-Guide-Creating-Children-Assassins-Vaccine-Induced-Infectious-School-AgePopulations http://endorganizedcrime.files.wordpress.com/2012/02/29276061-gray-lippman-step-by-step-guidecreating-children-assassins-vaccine-induced-infectious-school-age-populations1.pdf VACCIINE EXEMPTION http://www.endorganizedcrimeuniverse.com/assets/download/17298929-Vaccine-Exemption-Memorandum-ofLaw-FREE-ONLINE-READING.pdf http://issuu.com/prayerwarriorsneeded/docs/threecriminalaffidavits?mode=window&viewMode=singlePage CERTIFIED-W-RECPTS-CRIMINAL-REPORT-FEDERAL-EDUCATION-GRANT-CRIME-RING-MASSKILLINGS-INFESTATIONS-SCHOOL-REFORM-DEFRAUD-THE-UNTITED-STATES-TREASON http://endorganizedcrime.files.wordpress.com/2012/02/29074990-certified-w-recpts-criminal-reportfederal-education-grant-crime-ring-mass-killings-infestations-school-reform-defraud-the-untited-statestreason1.pdf

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48068043-Regional-Killer-Boyden-Gray-Name-Aligned-Disguised-Killing-Electronic-Torture-of-My-22-YearOld-Nephew-Induced-Seizure-Medication (1) http://endorganizedcrime.files.wordpress.com/2012/02/48068043-regional-killer-boyden-gray-namealigned-disguised-killing-electronic-torture-of-my-22-year-old-nephew-induced-seizure-medication-1.pdf 32248374-No-Oath-of-Office-Jonathan-Lippman-Apartment-Terrorization-Pitting-Escalates-RevengeCriminal-Insanity-and-Apartment-Terrorization http://endorganizedcrime.files.wordpress.com/2012/02/32248374-no-oath-of-office-jonathan-lippmanapartment-terrorization-pitting-escalates-revenge-criminal-insanity-and-apartment-terrorization.pdf

MAY 19, 2010 NOTARIZED CRIMINAL REPORT REGIONAL KILLER JONATHAN LIPPMAN ELDER ABUSE INFLICTIONS ON MY MOTHER AND HARRASSMENT REPLICATIONS TO SILENCE HIS CRIMINAL TRESPASS AS A NYS JUDGE, NO OATH OF OFFICE http://endorganizedcrime.files.wordpress.com/2012/02/may-2010-jonathan-lippman-elder-abuse-criminalscript-obstruct-elder-abuse-laws.pdf JONATHAN LIPPMAN YOUTH COURT PROFITEER PROJECT http://endorganizedcrime.files.wordpress.com/2012/02/32248374-no-oath-of-office-jonathan-lippmanapartment-terrorization-pitting-escalates-revenge-criminal-insanity-and-apartment-terrorization.pdf 29074990-CERTIFIED-W-RECPTS-CRIMINAL-REPORT-FEDERAL-EDUCATION-GRANT-CRIME-RINGMASS-KILLINGS-INFESTATIONS-SCHOOL-REFORM-DEFRAUD-THE-UNTITED-STATES-TREASON http://endorganizedcrime.files.wordpress.com/2012/02/29074990-certified-w-recpts-criminal-reportfederal-education-grant-crime-ring-mass-killings-infestations-school-reform-defraud-the-untited-statestreason.pdf 24519760-Notarized-Criminal-Report-w-Receipts-Dental-Inoculation-and-Deadly-Name-Aligned-TaintedDrugs-Rendered-November-2009 http://endorganizedcrime.files.wordpress.com/2012/02/24519760-notarized-criminal-report-w-receiptsdental-inoculation-and-deadly-name-aligned-tainted-drugs-rendered-november-2009.pdf http://issuu.com/prayerwarriorsneeded/docs/modified_medical_set_up_2012_eugenics_health_cente?mode=win dow&viewMode=singlePage OR http://prayerwarrior777.files.wordpress.com/2012/02/medical-set-up-2012-eugenics-health-center-setup.pdf http://prayerwarrior777.files.wordpress.com/2012/02/final-posted-modified-medical-set-up-2012eugenics-health-center-set-up.pdf http://endorganizedcrime.files.wordpress.com/2012/02/ns-notarized-wrongful-death-and-killing-of-myrafinal-november-28.pdf

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47444724-Regional-Killers-Jonathan-Lippman-and-Boyden-Gray-HRA-Enjoinment-in-Genocide-MassMurder-Stalking http://endorganizedcrime.files.wordpress.com/2012/02/47444724-regional-killers-jonathan-lippman-andboyden-gray-hra-enjoinment-in-genocide-mass-murder-stalking.pdf 46398442-Regional-Killer-and-Judge-Jonathan-Lippman-Assassination-Programming-Escalates-AffidavitHRA-January-2011 (1) http://endorganizedcrime.files.wordpress.com/2012/02/46398442-regional-killer-and-judge-jonathanlippman-assassination-programming-escalates-affidavit-hra-january-2011-1.pdf 45423840-Notarized-Killers-Jonathan-Lippman-Boyden-Gray-Assasination-Plans-Elder-Abuse-Class-DFelony-of-Stalking-Deadly-Conspiracy-Against-Rights-Crime-R (2) http://endorganizedcrime.files.wordpress.com/2012/02/45423840-notarized-killers-jonathan-lippmanboyden-gray-assasination-plans-elder-abuse-class-d-felony-of-stalking-deadly-conspiracy-against-rightscrime-r-2.pdf Criminal-Report-Jonathan-Lippman-Bond-Number-Oath-of-Office-Court-Entrapment-Patterns-TreasonDefraud-USA-Certified-Receipts-and-Notarized-1 http://endorganizedcrime.files.wordpress.com/2012/02/criminal-report-jonathan-lippman-bond-numberoath-of-office-court-entrapment-patterns-treason-defraud-usa-certified-receipts-and-notarized-11.pdf 45423840-Notarized-Killers-Jonathan-Lippman-Boyden-Gray-Assasination-Plans-Elder-Abuse-Class-DFelony-of-Stalking-Deadly-Conspiracy-Against-Rights-Crime-R (1) http://endorganizedcrime.files.wordpress.com/2012/02/45423840-notarized-killers-jonathan-lippmanboyden-gray-assasination-plans-elder-abuse-class-d-felony-of-stalking-deadly-conspiracy-against-rightscrime-r-11.pdf 45305297-Killer-and-Judge-Lippman-Synder-Name-Coded-Attempted-Murder-Crimes-Escalate-Via-NYCHRA http://endorganizedcrime.files.wordpress.com/2012/02/45305297-killer-and-judge-lippman-synder-namecoded-attempted-murder-crimes-escalate-via-nyc-hra.pdf 44288520-Notarized-Criminal-Rpt-Killers-Gray-and-Lippman-Use-of-HRA-Class-D-Felony-of-StalkingAttempted-Murder-Violence-and-Terrorizations-I http://endorganizedcrime.files.wordpress.com/2012/02/44288520-notarized-criminal-rpt-killers-gray-andlippman-use-of-hra-class-d-felony-of-stalking-attempted-murder-violence-and-terrorizations-i.pdf

EDUCATION CRIMES UPDATED PROFESSOR SNYDER COMMENDATIONS https://endorganizedcrime.files.wordpress.com/2012/03/updated-professor-snyder-commendations.pdf STATUTORY TENURE OBSTRUCTIONS 32405085-KILLERS-LIPPMAN-GRAY-REPLICATED-UNREGULATED-NYS-STATUTORY-TENUREOBSTRUCTIONS-CRIMINAL-LAW-DEPT-USURPATIONS-JUDICIAL-CASE-FIXING-INDUCED-POVERT[1]

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56414924-REGIONAL-KILLERS-BOYDEN-GRAY-AND-JONATHAN-LIPPMAN-CONTINUEDUNREGULATED-THEFT-OF-INCOME http://endorganizedcrime.files.wordpress.com/2012/02/56414924-regional-killers-boyden-gray-andjonathan-lippman-continued-unregulated-theft-of-income.pdf 54962520-Nys-Crime-Victims-Criminal-Justice-Agency-Reports http://endorganizedcrime.files.wordpress.com/2012/02/54962520-nys-crime-victims-criminal-justiceagency-reports.pdf PDFYONKERSANDHEMPSTEADLAWSUITOBSTRUC http://endorganizedcrime.files.wordpress.com/2012/02/pdfyonkersandhempsteadlawsuitobstruc.pdf

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REFERENCES EXHIBIT 1 PART 2 http://www.ludr.org/student_loan_fair_debt_collection_doc16.html

PRIVATE STUDENT LOAN GUARANTEE AGENCY IS SUBJECT TO THE FAIR DEBT COLLECTION PRACTICES ACT PRIVATE STUDENT LOAN GUARANTEE AGENCY IS SUBJECT TO THE FAIR DEBT COLLECTION PRACTICES ACT Many of the clients of LUDR are behind in their payments involving student loans. The U.S. Department of Education usually contracts with a third party to collect on these guaranteed student loans.

The U.S. Ninth Circuit Court of Appeals ruled in August 1996 that the third party collectors for the U.S. Department of Education are covered by the Fair Debt Collection Practices Act. The facts of the case are as follows: Brannan executed a promissory note for a loan under the former Guaranteed Student Loan (GSL) program. USA Funds, a private guarantee agency under contract with the U.S. Department of Education, guaranteed the loan.

The Department insured USA Funds. After the lender's assignee declared Brannan in default and filed a default claim with USA Funds, the Agency paid the loan and began collection efforts.

Brannan sued USA Funds, alleging violation of the Fair Debt Collection Practices Act by (1) threatening to cause her to lose her job, (2) communicating with third parties about the debt, and (3) refusing to communicate about the debt through her attorney. The trial court granted defendant summary judgment, holding that it was exempt from the FDCPA under ยง1692 (a)(6)(c) which exempts "any officer employee of the United States or any state to the extent that the collecting or attempting to collect any debt is in the performance of his official duties" The Ninth Circuit reversed. It rejected USA's argument that Congress did not intend for the FDCPA to apply to government student loan guarantee agencies. The ad proscribes abusive collection practices, by "any person who regularly collects or attempts to collect" debts. The Circuit Court noted that FDCPA does not provide an exemption for guaranty agencies that acquire a student loan after default in order to pursue its collection.

Moreover, the court said, Department of Education regulations explicitly provide that GSL third party collectors and their collection activities-are subject to the Fair Debt Collection Practices Act.

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The Court said that the exemption referred to in the FDCPA applies "only to individual government officials or employees who collect debts as part of their official duties". In this case, the agency is a private, not for profit organization with a government contract. It is not a government agency and, thus is not exempt.

Prior to 1992, FFELP was typically referred to as the Guaranty Student Loan Program. Pelfrey, 71 F.Supp.2d at 1163 n. 1.

2. We note that in Brannan we appear to have misread this Notice by the Secretary. In support of our broad statement that guaranty agencies are covered by the FDCPA, we wrote, “The Secretary of Education has also explicitly stated that [guaranteed student loan] third party collectors and their collection activity ‘remain subject to the FDCPA.’ ” Brannan, 94 F.3d at 1262, citing Stafford Loan, 55 Fed.Reg. at 40,121. As the government points out in its brief to us, the Secretary's statement that collection activity “remain[s] subject to the FDCPA” is limited to activity of third party collectors working for guaranty agencies.

As far as I know, they have not appealed to the SCOTUS.

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EXHIBIT 2 ECMC REPLICATED FRAUD AND NO IDENTITY OR SIGNATURE LETTER

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ECMC REPLICATED FRAUD AND NO IDENTITY OR SIGNATURE LETTER

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EXHIBIT 3

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EXHIBIT 4 3230 Cruger Avenue #6B Bronx, New York 10467 July 25, 2012

Richard J. Boyle, CEO Education Credit Management Corp Attn: Alleged Federal Offset P.O. Box 1708 St. Paul, MN 55101 RE: SECOND NOTICE TO ECMC OF VIOLATIONS OF THE FAIR DEBT COLLECTIONS ACT, ECMC HARASSMENT, CRIMINAL THREATS OF GARNISHMENT WHILE THE DEBT IS DISPUTED AND WHILE NO ECMC CONTRACT OR VALIDATION HAS BEEN PRODUCED DESPITE REQUEST FOR VALIDATION AND DISPUTE ECMC ATTACHED UNDATED AND UNSIGNED NOTICE OF PRIVACY POLICY EDUCATIONAL CREDIT MANAGEMENT CORPORATION: VIOLATES FDCPA § 1692B IN OBTAINING LOCATION INFORMATION. THE DEBT COLLECTOR DID NOT IDENTIFY HIMSELF/HERSELF AND STATE HE/SHE IS CONFIRMING LOCATION INFORMATION, VIOLATION OF 1692E OF THE FDCPA WHICH PROHIBITS “THE USE OF ANY FALSE REPRESENTATION OR DECEPTIVE MEANS TO COLLECT OR ATTEMPT TO COLLECT ANY DEBT OR TO OBTAIN INFORMATION CONCERNING A CONSUMER, ECMC’S, VIOLATIONS OF FDCPA 1692e FALSE, DECEPTIVE, MISLEADING STATEMENTS, ETC..

Dear Richard J. Boyle ECMC CEO: I write this letter with respect to a letter dated July 25, 2012 and my attached letter dated July 17, 2012 regarding debt dispute, validation, and ECMC violations of the FDCP. I urge your office to follow the law and validate the debt accordingly because disregard of the FDCP will effectuate a law suit. I am resending my debt validation and dispute letter and demanding a cease and desist on the harassment in collecting this debt without validation.

Please note that the attached letter dated July 25, 2012 states that ECMC has previously sent notice to me and that the notices included information on the amount and type of debt, rights, and statement of the agency’s intent to collect the debt by reducing any federal payments made to me. THIS IS A LIE. I have no idea why ECMC is trying to extort money from me. This is why I demand and demanded validation, specifically the alleged binding contract between ECMC and me.

Please see my attached letter to ECMC dated July 17, 2012 documenting FDCP violations, disputing the nonexistent debt and demanding validation. Thank you.

Sincerely,

Miriam Snyder 41

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EXHIBIT

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3230 Cruger Avenue #6B Bronx, New York 10467 July 17 2012

ECMC 1 Imation Place Attention: Guarantor Services Building 2 Oakdale, MN 55128 1500 Valley River Drive, Ste 190 Eugene, Oregon 97401 800-780-7997 RE: ECMC ATTACHED UNDATED AND UNSIGNED NOTICE OF PRIVACY POLICY EDUCATIONAL CREDIT MANAGEMENT CORPORATION: VIOLATES FDCPA § 1692B IN OBTAINING LOCATION INFORMATION. THE DEBT COLLECTOR DID NOT IDENTIFY HIMSELF/HERSELF AND STATE HE/SHE IS CONFIRMING LOCATION INFORMATION, VIOLATION OF 1692E OF THE FDCPA WHCICH PROHIBITS “THE USE OF ANY FALSE REPRESENTATION OR DECEPTIVE MEANS TO COLLECT OR ATTEMPT TO COLLECT ANY DEBT OR TO OBTAIN INFORMATION CONCERNING A CONSUMER, ECMC’S, VIOLATIONS OF FDCPA 1692e FALSE, DECEPTIVE, MISLEADING STATEMENTS, ETC…

To ECMC Guarantor Debt Collectors: This letter is being sent to you in response to FDCPA violations documented in the attached ECMC unsigned and undated deceptive Notice of Privacy Policy debt collection letter.

Foremost, the attached ECMC Notice of Privacy Policy letter clearly states that it is sent to safeguard non-public personal financial information, while the true intent is to deceptively and criminally attempt to defraud, extort and collect a non-owed and nonexistent ECMC debt. Please see the reference section showing the scandalous and greed based criminal debt collection practices of ECMC. Consequently the purpose of this letter is to notify ECMC of documented debt collection harassment practices and to demand a cease and desist of such. Above all, this letter is written pursuant to consumer protections rooted in the Fair Debt Collection Practices Act.

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The attached unsigned and undated ECMC Notice of Privacy Policy letter violates Section 1692E of the FDCPA which prohibits the use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

The attached ECMC Notice of Privacy Policy letter is false, deceptive, and has misleading statements. ECMC’s attached letter epitomizes misleading representation as a means in connection with debt collection. The attached undated and unsigned ECMC letter clearly seeks to deceptively collect information concerning a possible consumer. The letter is misleading as it states that its primary purpose is to safeguard personal information when in reality ECMC is a documented vexatious and unscrupulous debt collection agency, seeking to extort monies for non-existent and non-binding accounts. Please see the reference section exemplifying ECMC’s history of such.

The attached ECMC undated and unsigned letter violates FDCPA § 1692b in obtaining location information. The debt collector did not identify himself/herself and state he/she is confirming location information.

Furthermore, the attached unsigned and undated ECMC letter obstructs § 1692G of the FDCPA, the first communication to a consumer from a debt collector must include a validation notice, i.e., notice that the debtor has 30 days to challenge the validity of the debt and I seek the binding contract between ECMC and the alleged, to the claimed debt.

Moreover, the attached ECMC unsigned and undated letter does not include the FDCPA Section 1692e( 11) “mini-Miranda” warning. ECMC’s initial form collection letter contains neither of these required notices and, thus, violates 5 1692e(ll) and g of the FDCPA. The attached ECMC undated and unsigned letter alleges that: RECENT FEDERAL LEGISLATION REQUIRES ECMC TO SEND THE ATTACHED NOTICE OF PRIVACY REGARDING ECMC’S PRIVACY POLICY. This false statement with no verification whatsoever is a clear violation of FDCPA § 1692 e(9) Represent documents as authorized, issued or approved by any court, official, or agency of the United States or state. There is no legislation authorizing ECMC’s deceptive and criminal Notice of Privacy Policy.

Additionally, the attached ECMC’s undated and unsigned letter states that: THE LAW ALSO, REQUIRES US TO PROVIDE YOU WITH A COPY OF THIS NOTICE EACH YEAR THAT YOU ARE OUR CUSTOMER. This statement in and of itself violates FDCPA § 1692 e(9) noted in the above paragraph. In addition, it is a criminal attempt to create an unconscionable customer contract between ECMC and the name on the ECMC letter when no contract or relationship exists. This is a desperate debt collector illegal tactic to create a an alleged contractual relationship/agreement with a natural person and a debt collector.

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For the record note, Miriam Snyder is not and never will be an ECMC customer or a cash cow.

This ECMC false customer statement obstructs FDCPA § 1692 f and exemplifies unfair and unconscionable means to collect or attempt to collect an alleged debt.

The last paragraph in the attached undated and unsigned ECMC Notice of Privacy Policy letter states that: YOU DO NOT NEED TO CALL OR DO ANYTHING AS A RESULT OF THIS NOTICE. IT IS MEANT TO INFORM YOU OF HOW ECMC SAFEGUARDS YOUR NON PUBLIC PERSONAL FINANCIAL INFORMATION. THIS NOTICE IS NOT AN ATTEMPT TO COLLECT A DEBT. The above noted ECMC deception is a clear obstruction of FDCPA § 1692 e(15) Documents do not require action by the consumer.

In summary, ECMC’s attached Notice of Privacy letter exemplifies a clear criminal scheme to defraud, combined with racketeering and corruption practices seeking to criminally extort monies based off of unconscionable and criminal contracting attempts. Additionally, this one letter violates over 12 sections of the FDCPA. Some of the obvious FDCPA violations include the below:  The attached ECMC undated and unsigned letter violates FDCPA § 1692b in obtaining location information. The debt collector did not identify himself/herself and state he/she is confirming location information.  The attached ECMC undated and unsigned letter violates FDCPA §1692e via simulating documents intended to appear as court documents where it states that: RECENT FEDERAL LEGISLATION REQUIRES ECMC TO SEND THE ATTACHED NOTICE OF PRIVACY REGARDING ECMC’S PRIVACY POLICY AND THE LAW ALSO, REQUIRES US TO PROVIDE YOU WITH A COPY OF THIS NOTICE EACH YEAR THAT YOU ARE OUR CUSTOMER  The attached ECMC undated and unsigned letter violates FDCPA § 1692 e(11) Communication fail to contain the mini-Miranda warning: "This is an attempt to collect a debt… communication is from a debt collector.”

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 The attached ECMC undated and unsigned letter violates FDCPA § 1692 e(10) Any false representation or deceptive means to collect a debt or obtain information about a consumer  The attached ECMC undated and unsigned letter violates FDCPA § 1692 f Any unfair or unconscionable means to collect or attempt to collect the alleged debt  The attached ECMC undated and unsigned letter violates FDCPA § 1692 d Any conduct the natural consequence of which is to harass, oppress, or abuse any person  The attached ECMC undated and unsigned letter violates FDCPA § 1692 e(15) Documents are not legal process forms or do not require action by the consumer  The attached ECMC undated and unsigned letter violates FDCPA § 1692 e(16) Debt collector operates or is employed by a consumer reporting agency  The attached ECMC undated and unsigned letter violates FDCPA § 1692 g Failure to send the consumer a 30-day validation notice within five days of the initial communication Deceptive Forms by Creditor  The attached ECMC undated and unsigned letter violates FDCPA § 1692 j Forms been designed, compiled and/or furnished to create the false belief that person other than creditor is collecting.  The attached ECMC undated and unsigned letter violates FDCPA § 1692 e(9) Represent documents as authorized, issued or approved by any court, official, or agency of the United States or state.

Please note that this letter shall additionally serve as a notice pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that ECMC’s criminal debt collection practices and non-existent claim is disputed and validation is required.

This is NOT a request for “verification” or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. This is a request for the legislation noted in the attached unsigned and undated ECMC Notice of Privacy letter.

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Additionally, the binding CONTRACT that validates ECMC customer allegation is needed as I know of known.

Additionally, ECMC needs to provide me with the following: 7. What the money you say I owe is for; 8. Explain and show me how you calculated what you say I owe; 9. Provide me with copies of any papers that show I agreed to pay ECMC what you say I owe; 10.

Prove the Statute of Limitations has not expired on this account.

11.

Show me that you are licensed to collect in my state.

12.

Provide me with your license numbers and Registered Agent.

If ECMC contacts me again without validation, specifically competent evidence that I have any legal obligation to ECMC, I will sue ECMC for the above noted violations. Additionally, the ECMC defraud to scheme crimes in the unsigned and undated letter attached will be reported to criminal authorities that prosecute defraud to scheme, racketeering and extortion crimes. These criminal defraud to scheme and extort money not owed from innocent people under the disguise of debt collection guaranty practices will be stopped.

If ECMC has reported erroneous information to any of the major credit bureaus, based on the above noted fraud, action will be taken under both federal and state laws.

Due to this fact, if any negative mark is found on any of my credit reports by your company or any company that ECMC represents, I will not hesitate in bringing legal action against ECMC for the above noted crimes and violations, as well as the following: • Violation of the Fair Credit Reporting Act • Violation of the Fair Debt Collection Practices Act • Defamation of character for contacting any other person than myself regarding this alleged debt. 

Violation of the state statutes of limitations



Violation of the state laws relating to credit 48

If your offices are able to provide proper proof of a validating, binding ECMC contract as requested in the preceding, I will require at least 30 days to investigate this information and during such time, all collection activity must cease and desist.

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Also during this validation period, if your offices fail to respond to this validation request within 30 days from the date of this certified mail letter, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion shall be sent to me immediately.

Please note that no telephone contact is to be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit.

All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to stop debt collection harassment and correct your records; any information obtained shall be used for that purpose.

Please note this is a demand to cease and desist all harassment and deceptive debt collection practices.

Please note that under § 1692k of the FDCPA, ECMC’s violation of the FDCPA renders it liable for statutory damages, costs and reasonable fees. Consequently, guide ECMC’s action cautiously as I am prepared to show a preponderance of evidence that ECMS’s violations are harassing, criminal, intentional, malicious, repetitious, and unscrupulous. The criminal creation of ECMC debts out of thin air must and will be stopped.

Sincerely,

Miriam Snyder

P.S. If ECMC takes my signature off of this letter and or any other one and attempts to use it to create/falsify a contract, all CONSPIRACTORS WILL BE INCARCERATED.

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REFERENCES Ripoff Report | Educational Credit Management Corporation ... www.ripoffreport.com/.../educational-credit-management-14c57.htm Dec 20, 2011 – Educational Credit Management Corporation ECMC sent ... Change your Facebook and Twitter privacy settings to only allow friends .... but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. Taxpayers Fund $454,000 Pay For Collector Chasing Student Loans http://www.bloomberg.com/news/2012-05-15/taxpayers-fund-454-000-pay-forcollector-chasing-student-loans.html

Rowe v. Educational Credit Management Corporation - Justia law.justia.com/cases/federal/district-courts/oregon/ordce/6.../89/ 06-1131-HO ORDER Plaintiff, Jeffrey Rowe, brings this action alleging violation of the Fair Debt Collection Practices Act (FDCPA), violation of the Oregon ...

OR http://caselaw.findlaw.com/us-9th-circuit/1391358.html

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Exhibit 1

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