Thanks for the tax payer advocate info !
Yea I'm working on rectifying it now, I sent the creditor a debt validation request letter under the FRCPA.
That should raise some attention.
The creditor finally let me dispute it after fighting with their head office, but the hearing isn't set until September 27th, and I need those grants much sooner than 5 months from now, so I need to raise attention to the source of the apple.
