COLLECTION LAW FIRM, PATENAUDE AND FELIX A.P.C. ( " P & F '' ) ILLEGALLY GARNISHED WAGES ON A TIMED-BARRED, UNSECURED PRIVATE STUDENT LOAN. THIS DEBT, WHICH P & F OR XXXX ARE NOT THE ORIGINAL LENDER ( XXXX ) OR CREDITOR ( XXXX ). P & F AND XXXX THEREFORE MUST ADHERE TO CONSUMER FEDERAL CONSUMER PROTECTIONS OFFERED UNDER THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ). 

P & F HAVE VIOLATED SEVERAL FDCPA PROTECTIONS INCLUDING FAILING TO PROVIDE SUFFICIENT DEBT VALIDATION AS WAS REQUESTED ON SEVERAL OCCASIONS. RATHER THAN OPERATE WITHIN CONSUMER PROTECTION LAWS, P & F CONTINUED TO PROVIDE MISLEADING INFORMATION, DECEPTIVE INFORMATION TO EMPLOYERS AND OTHERS. 

ATTACHMENTS A-C ARE DOCUMENTATION THAT DIRECTLY SHOWS XXXX XXXX HAS NO LEGAL OBLIGATION TO PAY P & F WHATSOEVER. 

ATTACHMENT A IS THE " LENDERS COPY '' OF THE ORIGINAL LOAN APPLICATION/PROMISSORY NOTE SIGNATURE PAGE THAT WAS FAXED UPON APPROVAL OF THE PRIVATE STUDENT LOAN AROUND XXXX XXXX. 

NEXT, BY VIEWING ATTACHMENT B, WHICH IS A XXXX CREDIT REPORT FOR XXXX XXXX XXXX WHICH WAS REQUESTED ON OR AROUND XXXX/XXXX/XXXX. THIS ATTACHMENT CORROBORATES ATTACHMENT A. DOING SO BY PROVIDING THE DATE THE LOAN OPENED ( XXXX ) AS WELL AS PAYMENTS DEFERRED UNTIL XXXX/XXXX/XXXX. 

P & F HAS VIOLATED SEVERAL FDCPA PROTECTION PROVIDED TO CONSUMERS. NOT ONLY IS THEIR CONDUCT UNACCEPTABLE BUT IS IN DIRECT VIOLATION OF THESE PROTECTIONS. P & F MISREPRESENTED INFORMATION TO EMPLOYERS AS WELL AS COURTS IN ORDER TO SECURE WAGE GARNISHMENT. 

P & F HAVE NOT PROVIDED ANY CONTRACT AS PROOF OF XXXX XXXX 'S LEGAL OBLIGATION TO PAY P & F. THIS WAS REQUESTED BY XXXX XXXX 'S DEBT VALIDATION LETTER REQUEST AND BLATANTLY IGNORED SEVERAL TIMES. INSTEAD P & F CHOSE TO SIDE-STEP FEDERAL AND STATE LAWS AND VIOLATE FDCPA PROTECTIONS.