Patenaude & Felix APC Student Loan Complaint

Patenaude & Felix APC Student loan department,

Non-federal student loan Dealing with my lender or servicer California

I called Patenaude & Felix - -, on - -, -, per your instruction. A certain lawyer answered, and said, just continue paying $150.00 and we will just continue receiving it. We did not reach an agreement to pay specific amount monthly, because they are requiring a monthly payment of more than $150.00. They are accusing me that when I called in - -, I offered them to pay $700.00 but I did not offer this amount because I can not afford it, I have - others students loans that I am paying every month. I am under a severe financial hardship and difficulties, I am just a job trainee, and married. An evidence of this financial hardship, is already known to Patenaude & Felix - -, because their claim for Salary garnishment submitted to my employer was dismissed by Levying Officer of - -, CA, in - -, - because I have a negative monthly balance of my salary over my expenses of ( $900.00 ). My urgent concern is this complain, Patenaude & Felix - - has filed a Memorandum of Cost worth, $4800.00. I learned about this Memo of cost yesterday, - -, -, it was delivered


- -, Unlimited Civil case. These documents are Civil case, Declaration of Venue, Summons, Complaint-Contract, Cause of Action, etc. I have seen documents only because I requested copies from Superior Court of - County, - - -, through the internet ; I paid for each copy, because I needed it to support for my Claim for Exemption for Wage garnishment. I would not have known this completed case filed by Patenaude, had my employer not shown me the claim for Wage garnishment, but - answered my prayer, the Levying Officer of - - dismissed it. We are paying this student loan that Patenaude & Felix - - filed a case, since year -, after the forbearance period of this student loan, our payment was paid to - - - - - -, it was included and combined into my other student loan, that is why my other student loan became overpaid for up to 2 years. I talked to - - -, who serviced this loan, disbursed in - -, -. I asked - why did they not informed me that they were not paying this - loan, because I have - separate/invidual private student loan with - - - - , - My payment is specifically instructed in each direct debit from - bank, so, I have all the copies of all my payment, since we religiously paid our loan, partially since -. Patenaude & Felix - office wording in their cases filed against me is in error. The have declared my default judgment to an amount of $52000.00. What should I do since, I have been paying this loan since year -, but - made an error by not recording it to the appropriate individual loan, and they did not inform me. - used - account number, so regardless of how many loan I have, only - account number is assigned. Please stop Patenaude from pursuing this case, because it is in error. - last recorded payment for this loan was in -/-/-. So, in -/-/-, - declared this loan as delinquent and eventually was released back to the guarantor, - - - - , -, in the amount of $47000.00. - - assigned this account to - Collection agency, and then to Patenaude & Felix - -. We have paid this student loan since year -, -, -, - & up to the present date. Also, the California laws stated that a debtor is given 270 days for non-payment, and 335 days for partial payment. Thank you.