In 2009 XXXX and XXXX " represented '' XXXX whom had purchased a debt from XXXX XXXX whome purchased from XXXX Bank, and the representative prior to us meeting with the judge coherced me to sign a settlement form by stating whom did I think the judge would believe me or her an attorney and besides since I was going through a divorce at that time most likely I would file bankruptcy and as head of household no one could ever come after me. NO ONE EVER VALIDATED ANY DEBT AMOUNT. Then I recently had Rosen and Pollock try to garnish my wages stating I owed XXXX ( per a XXXX XXXX ) Then when called on this to complete a payoff a XXXX informed me that I neglected my debt I had a contract with them, she mentioned that she was an attorney, an attorney representative and also XXXX that is no longer around. The problem all along with this was that the XXXX XXXX institute did not honor their contract and by breaching that contract I should not pay for a XXXX for which I can not use. I get the run around with lasik and any credit to be offered has to be through them and routed accordingly. I dont have a problem paying what is fair and just but not the almost XXXX XXXX stated I owed because I had not paid my bills.