Like many Americans I have a large amount of student loan debt. Moreover, as hard as I have tried I have struggled to obtain employment that simply allows for a standard of living let alone enough pay student loan payments. The jobs are simply not available in my career field. In XX/XX/XXXX I filed for chapter XXXX bankruptcy. All of my private student loans went into default as a result and were charged off. In XX/XX/XXXX my bankruptcy was discharged and in XX/XX/XXXX I received phone calls and letters from Sunrise Credit Services. I advised them at the time I was just coming out of bankruptcy and had just started a new job and would mail in payments in an attempt to pay down my debt and hopefully settle. Starting in XX/XX/XXXX Sunrise received their first payment and XXXX subsequent payments for XXXX and XXXX. 
During the month of XXXX and XXXX I received letters and numerous phone calls. Each correspondence in my part, whether in writing or via phone, was typically responded to. On each occurrence I was advised that my payments were unacceptable and legal action would be sought. The only payment that would be accepted was for the debt in full. In XXXX and XX/XX/XXXX I sent in a letter requesting the amount of phone calls to cease. Sunrise would contact me multiple times in a day. On XXXX separate occasions I was contacted XXXX times in a XXXX minute period. Many times the person on the other end would disconnect during our phone conversation and after not receiving the response they were looking for would hang up and immediately call back. On many instances I would receive a phone call, a voice mail message would be left, and then immediately call back again and leave another message ; sometimes calling XXXX times within XXXX minutes. Their phone calls often times originate from numerous sources ; sometimes an XXXX number, sometimes a XXXX prefix, many times a VOIP number registered in XXXX or XXXX. I notified Sunrise that I perceived this as harassment and to please cease the amount of calls. Contact with Sunrise greatly slowed down. However, they proceeded to contact my ex-wife, who under our divorce agreement, is not responsible for and is to be held harmless for my student loan debt. Sunrise has been advised of this. Nonetheless, phone calls to her place of employment continue. My ex-wife has stated that calls to her work take place as many as XXXX times a day. Each phone call is perceived as threatening and demands immediate payment or she will be sued in an attempt to collect the full debt. I have made several attempts via phone and letters advising Sunrise Credit to contact me and only me. In XX/XX/XXXX I notified Sunrise, as well as my XXXX other student loan lenders, that I was laid off work on the last day of XXXX and anticipated that no later than XXXX I would be able to resume making payments. I also advised them that I would keep them up-to-date at least once a month as to my status. Once I attained regular employment I would be able to again resume payments. In XX/XX/XXXX I attained employment and notified Sunrise, along with all of my other creditors, that I would be able to resume payments on XX/XX/XXXX. On XXXX XXXX I received a letter from Sunrise Credit dated XXXX XXXX. It made the following statement : '' O.K., You have made it clear. You refuse to pay the money you rightfully owe XXXX XXXX XXXX. Now, we would like to make something clear to you. XXXX way of another, you may have to pay this debt '' XXXX XXXX XXXX must now determine how to proceed. They can opt to file a lawsuit against you. This may result in you being required to appear as a defendant in a court of law. Your opportunity to resolve this matter are quickly running out. '' The statement I have refused to pay is fictitious. I have sent in copies of my payments.