Educational Credit Management Corp Delusion of Legitimacy Criminal Collections: Affidavit by PRAYER WARRIOR

APRIL 24, 2014 CRIMINAL REPORT AFFIDAVIT EDUCATIONAL CREDIT MANAGEMENT CORPORATION UNREGULATED FINANCIAL CRIMES, FALSE INSTRUMENT FILING, EGREGIOUS DEBT COLLECTION SCHEME TO DEFRAUD, CRIMINALLY INSANE AND EXPERT ILLUSION OF LEGALITY FINANCIAL CRIMES, THEFT OF MONEY NOT OWED OR DUED ECMC’S ONGOING AND CONTINUED CRIMINAL USE OF 24 YEAR OLD EXPIRED AND UNSEEN FALSE INSTRUMENT AND DELUSION OF LEGITIMACY STATEMENT FOR JUDGMENT WITH AN OVER 25 YEAR OLD MISSING SIGNATURE FORGED PROMISSORY NOTE

http://issuu.com/prayerwarriorsneeded/docs/ecmc_criminal_report_april_24__2014 3230 Cruger Avenue 6B Bronx NY 10467 April 24, 2014 United States Department of Justice Eric Holder, US Attorney General US Department of Justice 950 Pennsylvania Avenue, NW Civil Rights Division, Criminal Section Washington, DC 20530 AskDOJ@usdoj.gov United States Attorney's Office Southern District of New York Complex Frauds and Civil Rights Unit 86 Chambers Street, 3rd Floor New York, New York 10007 Fax: (212) 637-2750. William J. Bratton, NYC Police Department Commissioner http://www.nyc.gov/html/mail/html/mailnypd.html NYC Police Department One Police Plaza NY, NY 10038 Tax Exempt Organization Complaint IRS EO Classification: Fax to 214-413-5415, or Email to eoclass@irs.gov. Mail Code 4910DAL 1100 Commerce Street Dallas, TX 75242-1198 Internal Revenue Service STOP 31313 Fresno, CA 938888 Internal Revenue Whistleblower Office ICE 1973 N. Rulon White Blvd. M/S 4110 Ogden, UT 84404 1

US Department of Justice 950 Pennsylvania Avenue, NW Civil Rights Division, Section â&#x20AC;&#x201C; 1425 NYAV Washington, D.C. 20530 Fax: (202) 307-1197 education@usdoj.gov U.S. Department of Justice Civil Rights Division 950 Pennsylvania Avenue, N.W. Educational Opportunities Section, PHB Washington, D.C. 20530 mary.e.cahill@usdoj.gov Andrew Cuomo, NYS Governor, http://www.governor.ny.gov/contact/GovernorContactForm.php Fraud and Civil Rights Crimes State of New York, State Capitol Albany, NY 12224 NYC FBI, E-mail: ny1@ic.fbi.gov Fraud, Financial and Hate Crimes 26 Federal Plaza, 23rd Floor New York, NY 10278-0004 Phone: (212) 384-1000 AND Fax: (212) 384-4073 / 4074 Mr. Schneider, NYS Attorney General, nysattorneygeneral@public.govdelivery.com Fraud and Civil Rights Crimes Office of the Attorney General The Capitol Albany, NY 12224-0341 Bureau of Consumer Protection, COMPLAINT@FTC.GOV whistleblower@cfpb.gov. Federal Trade Commission 600 Pennsylvania Avenue, NW Washington, DC 20580 (202) 326-2222 FAXED AND EMAILED: https://democrats-oversight.house.gov/tipline Committee on Oversight and Government Reform, 2157 Rayburn House Office Building, Washington, DC 20515 Phone: (202) 225-5074 Fax: (202) 225-3974 US Congressman Schumer, senator@schumer.senate.gov 780 Third Avenue Suite 2301 New York, NY 10017 Phone: 212-486-4430 Fax: 212-486-7693 2

Congressman Eliot Engle, Congressman_Engel@housemail.house.gov 3655 Johnson Avenue Bronx, NY 10463 Phone (718) 796-9700 Fax: (718)796-5134 FAXED TO: 410 962 4910 Department of the Treasury Financial Management Service P.O. Box 1686 Birmingham, Alabama 35201-1686 Janice Hines President and CEO of ECMC Dave Hawn, President and CEO of ECMC Group Richard J. Boyle, Former ECMC CEO Educational Credit Management Corp 1 Imation Place, Bldg. 2 Oakdale, MN 55128-3422 NYC BAR COMMITTEE ON CIVIL RIGHTS SEBASTIAN RICCARDI, CHAIR 111 LIVINGSTON STREET 7TH FLOOR BROOKLYN, NEW YORK 11201 PHONE: (718) 422-2778 FAX: (212) 577-7999 SEBASTIAN.RICCARDI@GMAIL.COM NYC BAR COMMITTEE ON CIVIL RIGHTS MAIA LICHTENSTEIN, SECRETARY 1285 AVENUE OF THE AMERICAS NEW YORK, NEW YORK 10019-6064 PHONE: (212) 373-3974 FAX: (212) 757-3990 MLICHTENSTEIN@PAULWEISS.COM pbath@legal-aid.org sarah@nedap.org josh@nedap.org alexis@nedap.org joby@nedap.org monica@nedap.org

Dear Public Officials, Civil Rights Advocates, and ECMC Tax Exempt Debt Collectors: This additional criminal report and notice is being sent regarding Educational Credit Management Corporation (ECMC) and its above noted agents ongoing crimes and continued unregulated theft of money regarding their concocted, expired, induced poverty, modernized slavery, no nexus, no contract, nonexistent and alleged debt. Attached you will find another one of ECMC’s extortion and actually misleading, misrepresentation, deceit and unconscionable contracting letters dated March 13, 2014. In this letter the ECMC agents use the illusion of legality in attempting to coerce me to contract with them while they are criminally collecting on an expired, unenforceable, and invalid 24 year old unseen judgment. ECMC agents are criminally seizing my money and in exchange for a coerced signature the ECMC Agents will suspend payments. ECMC has again inflicted the below UNREGULATED, odious, pervasive and uncivilized crimes while seizing my money. Please see exhibits 1-27.  10 U.S. CODE § 333 – ECMC INTERFERENCE WITH STATE AND FEDERAL LAWS, SPECIFICALLY, INTERFERENCE WITH NEW YORK CODE, CIVIL PRACTICE & LAWS § 211 - ACTIONS TO BE COMMENCED WITHIN TWENTY YEARS AND UCC § 3-118. STATUTE OF LIMITATIONS, PROMISSORY NOTE AND JUDGMENT STATUTE OF LIMITATIONS. NYS Penal Law: Article 175 - NY Penal Law Article 175 – ECMC OFFENSES INVOLVING FALSE WRITTEN STATEMENTS    

175.10 – ECMC Falsifying business records in the first degree. See Exhibits 4-6, 8, 19-25. 175.25 - ECMC Tampering with public records in the first degree. See Exhibits 9-18. 175.35 - Offering a false instrument for filing in the first degree. See Exhibits 19-25. 175.45 - Issuing a false financial statement. See Exhibits 2, 4-6 and 19-25.

 Article 190 – ECMC OTHER FRAUDS  190.23 - ECMC False personation of Creditor, U.S. Department of Education, Tax Agency and a Guaranty Agency. See exhibits 4-8.  190.26 – ECMC Criminal impersonation in the first degree of Creditor, U.S. Department of Education, Tax Agency and Guaranty Agency in this matter, when all evidence shows criminal debt collector status, 4-8  190.42 – ECMC Criminal usury in the first degree, scheme or business of making or collecting  usurious loans and unlawful seizure of money under the illusion of legality  190.45 – ECMC Possession of usurious loan records, attached fraudulent affidavits, void and expired 24 year old Statement of Judgment, unseen actual judgment, over 25 year old missing and forged signature Promissory Note,  190.50 – ECMC Unlawful collection practices, seizure of money with fraudulent and expired alleged loan documents,  190.55 – ECMC Making a false statement of credit terms, ECMC attached extortion letters,  190.65 - Scheme to defraud in the first degree. Debt Collection deceit and seizure of money by false or fraudulent pretenses, representations or promises, and so obtains property from one or more of such persons; See: Sanctions Upheld against ECMC for Trying to Collect Repaid Student Loan, http://www.ncbrc.org/blog/2013/04/01/sanctions-upheld-against-ecmc-for-trying-tocollect-repaid-student-loan/, 4

 ECMC Criminal Possession of Stolen Property, ECMC criminal seizure fraudulent and unauthorized alleged loan documents and money not owed or due ECMC. See exhibit 5.  New York Laws: Penal: (185.00 - 185.15) Frauds on Creditors, ECMC impersonating creditors and collecting money on behalf of unknown creditors. See Exhibits 5-6.  185.05 – ECMC Fraud involving a security interest. ECMC impersonating creditors and collecting money on behalf of unknown creditors. See Exhibit 5. SEE ATTACHED ECMC EXHIBITS EXEMPLIFYING:         

ECMC Obstruction of justice under 18 U.S.C. Chapter 73, ECMC Conspiracy against rights under 18 U.S.C. §241 ECMC Extortion under 18 U.S.C. §872 . ECMC Engaging in monetary transactions derived from unlawful activity under 18 U.S.C. §1957 ECMC Mailing threatening communications under 18 U.S.C. §876 ECMC False writings and fraud under 18 U.S.C. §1018 ECMC Fraud under 18 U.S.C. §1341 ECMC Continuing financial crimes enterprise (RICO) under 18 U.S.C. §225 ECMC Breach of fiduciary duty in violation of 26 CFR 2635.101

ECMC’s continuous egregious violations of consumer protection and civil rights laws must be stopped. They have violated several sections of the: Fair Debt Collection Practices Act (FDCPA) 15 U.S.C. § 1692 et seq, violations of the 1st, 4th,, 5th,7th, 9th and 14th Constitutional Amendments, Deprivation of Constitutional Rights and Privileges, 42 U. S . C. § 1983, Conspiracy to Depriving Persons of Equal Protection of the Laws, 42 U. S. C. § 1985, violations of NYS Unified Commercial Codes, Infliction of Emotional Distress, Negligence, Invasion of Privacy, willful, malicious, retaliatory, discriminatory, abusive and outrageous actions against citizens and the disabled, as well as for violations of the New York General Business Laws section §349, et seq. Miriam Snyder disputes the unfounded and expired claim by ECMC that she owes any money to ECMC debt collectors because ECMC has no right by law to enforce the expired, invalid, unenforceable, unseen alleged judgment and missing signature Promissory Note ECMC sent her. ECMC does not have any right or authentic tangible documents to enforce anything. ECMC is criminally stealing my money. Moreover, ECMC has made allegations of a 24 year old default judgment and has not produced such judgment. Moreover, Miriam Snyder was not served any summons and complaint regarding ECMC’s concocted, alleged and nonexistent debt. This lack of service of process, lack of jurisdiction, non-served lawsuit collection enforcement is unconstitutional and criminal per each crime noted above. ECMC is criminally filing false instruments in violation to the above noted laws and have enforced an unseen void judgment that is over 24 years old and that has a history of sewer service. Hyatt, Hyatt and Landau are the debt collectors who sold the alleged debt to ECMC. They initiated the ECMC current theft of money scam. Hyatt, Hyatt and Landau, like ECMC have an egregious history of criminal debt collection practices embedded in criminally obtaining default judgments by fraud, misrepresentation, illegality and lack of proper service. 5

I was never served this over 24 year old law suit. Hyatt, Hyatt and Landau were sued for their lack of proper service crimes by Ann Pfau, the NYS Chief Administrative Judge in the below link. I was never compensated for their crimes and ECMC is continuing and unjustly enriching off of Hyatt, Hyatt and Landau debt collection scheme to defraud and false instrument filing crimes. Their crimes have not been stopped. ECMC is currently furthering their crimes without regulation. ECMC is currently stealing my money based on these crimes the NYS judiciary was supposed to stop via the below noted law suit. This is an appeal for criminal intervention in stopping ECMC from stealing my money and assaulting me financially based on this already prosecuted and documented lack of service debt collection fraud. http://endorganizedcrimeuniverse.com/assets/download/HAYT__HAYT_AND_LANDAU_PFAU_NYS_ LAW_SUIT_AGAINST_DEBT_COLLECTORS_SEWER_SERVICE.pdf Above all, ECMC cannot legally enforce anything while their false pretense default judgment is unseen and void. This judgment scam was put in place in 1989. The non-service of the law suit makes the alleged default judgment void. The over 25 year old status makes their fictional judgment expired, unenforceable, uncorrectable, uncollectable and invalid. The statute of limitation under NY Law and the UCC makes the ECMC illusion of legality judgment unenforceable, invalid, and uncollectible pursuant to:  New York Code, Civil Practice & Laws § 211 - Actions to be commenced within twenty years. § 3118. STATUTE OF LIMITATIONS.  The text of UCC 3-118 is pasted below: 

ECMC’s unseen and alleged judgment is void, the UCC statute of limitations makes the alleged loan uncorrectable, unenforceable, uncollectible and invalid.

 (a) Except as provided in subsection (e), an action to enforce the obligation of a party to pay a note payable at a definite time must be commenced within six years after the due date or dates stated in the note or, if a due date is accelerated, within six years after the accelerated due date.  (b) Except as provided in subsection (d) or (e), if demand for payment is made to the maker of a note payable on demand, an action to enforce the obligation of a party to pay the note must be commenced within six years after the demand. If no demand for payment is made to the maker, an action to enforce the note is barred if neither principal nor interest on the note has been paid for a continuous period of 10 years.  (c) Except as provided in subsection (d), an action to enforce the obligation of a party to an unaccepted draft to pay the draft must be commenced within three years after dishonor of the draft or 10 years after the date of the draft, whichever period expires first.  (e) An action to enforce the obligation of a party to a certificate of deposit to pay the instrument must be commenced within six years after demand for payment is made to the maker, but if the instrument states a due date and the maker is not required to pay before that date, the six-year period begins when a demand for payment is in effect and the due date has passed.  (f) An action to enforce the obligation of a party to pay an accepted draft, other than a certified check, must be commenced (i) within six years after the due date or dates stated in the draft or acceptance if the obligation of the acceptor is payable at a definite time, or (ii) within six years after the date of the acceptance if the obligation of the acceptor is payable on demand. 6

 (g) Unless governed by other law regarding claims for indemnity or contribution, an action (i) for conversion of an instrument, for money had and received, or like action based on conversion, (ii) for breach of warranty, or (iii) to enforce an obligation, duty, or right arising under this Article and not governed by this section must be commenced within three years after the [cause of action] accrues. I seek criminal and civil enforcement to stop this documented theft of my money based on ECMC’s willful enforcement of multifaceted fraud and disregard of commercial laws. ECMC cannot move forward in seizing any money without respecting the above laws. If ECMC proceeds in seizing my money without a 7th Amendment trial, ECMC Agents will be violating their oaths as fiduciary officers by failing to preserve the 7th Amendment civil rights of a United States citizen. Therefore, this letter is being sent to the above noted ECMC Agents to give the Agents proper notice that the Agents are about to commit additional civil rights crimes by not guaranteeing a 7th Amendment trial before seizing the Property Holder's property. As the Agents know, any Fiduciary Officer who seizes and/or liens with full knowledge and intent of the crimes is subject to ten (10) years mandatory prison time and a $10,000 fine. If the ECMC Agents continue to violate Miriam Snyder’s unalienable rights as protected by the Constitution, she will use this letter to prove that the ECMC Agents were fully informed of said violations and that the above noted ECMC Agents voluntarily, willfully and knowingly chose to commit said crimes against Miriam Snyder. With respect to the attached ECMC letter dated, March 13, 2014, allegations are made regarding a defaulted loan guaranteed by ECMC. Please note the record carefully, I have never had any loan, money, and or credit with ECMC. I adamantly dispute, denounce and object to any allegations of defaulted loans guaranteed by ECMC. None exist. I do not know ECMC, have never had any business association with ECMC, and for these reasons the below noted criminal report was written summarizing the many crimes ECMC has inflicted on me based on their unregulated debt collection deception and prey on the induced poor, greed and theft and disrespect for other people’s money, not owed or due ECMC. Please see exhibit 3, the US Department of Education letter clearly stating that the alleged loan is nonexistent and was never with the U.S. Department of Education. Yet, ECMC’s March 13, 2014 letter states that ECMC has a responsibility to ensure the federal government that their concocted loan is repaid. This double dipping repaid phenomenon is in conflict with the attached US Department of Education letter and further supports the fact that ECMC is not a guaranty agency on behalf of the U.S Department of Education in this matter. Further, exhibit 3 shows the theft in exhibit 5. I seek an end to this criminal seizure and the return of my money. ECMC purchased the alleged debt from Hyatt, Hyatt and Landau debt collectors. ECMC bought the alleged junk debt from a debt collector and buying junk debt from a fellow debt collector does not warrant ECMC Guaranty status in this matter. The Guaranty agency for NYS is New York State Higher Education Services Corporation. This Guaranty agency sold the alleged improperly served default junk debt to Hyatt, Hyatt and Landau. Accordingly, in this matter ECMC is not a creditor, is not a guaranty agency, and is a “debt collector” as defined by the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. Section. 1692a. As such, the deceptive, deceitful, and malicious debt collection practices and criminal collection must stop. Please see: § 803. Definitions 15 USC 1692a: 7

(4) The term "creditor" means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. (5) The term "debt" means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. ECMC purchased an alleged default debt from a documented sewer service debt collector, named Hyatt, Hyatt and Landau. Hyatt, Hyat, and Landau are known egregious debt collectors with a history of defrauding consumers via non service of summons and complaints and criminally obtaining default judgments. Please see them here: http://endorganizedcrimeuniverse.com/assets/download/HAYT__HAYT_AND_LANDAU_PFAU_NYS_ LAW_SUIT_AGAINST_DEBT_COLLECTORS_SEWER_SERVICE.pdf ECMC bought the alleged default debt with no knowledge whatsoever of the legitimacy or underlying facts of that debt. ECMC had and has, no information whatever regarding the validity of the alleged debt it alleges was due and owing. ECMC has now, and at the time of the ECMC agents criminal seizure of my money had no information whatever regarding the validity of the debt it alleges was due and owing. Defendants willful refusal to produce the requested standing and validation documents required under law exemplifies ECMCâ&#x20AC;&#x2122;s repetitious obstructions and violations of the Commissioner of the Department of Consumer Affairs, Section 20-104 (b) of Chapter 1, and Sections 20-493 (a) and 20-493.2 (b) of Chapter 2, Title 20 of the Administrative Code of the City of New York, and refusal to meet the requirements of Section 1043 of the New York City Charter. Pursuant to the Commissioner of the Department of Consumer Affairs, Section 20-104 (b) of Chapter 1, and Sections 20-493 (a) and 20-493.2 (b) of Chapter 2, Title 20 of the Administrative Code of the City of New York, and Section 1043 of the New York City Charter the ECMC agents were supposed to state each fact regarding the alleged default. ECMC has failed to allege any facts showing that it is the true party in interest of the debt in question or whether it has legal capacity to collect. ECMC has failed to allege any facts regarding how the debt was incurred, when any payments were made, and in what amounts, or any information regarding the composition of the alleged debt. Additionally, ECMC collected with the false claim that it was the actual creditor and indicating that some agent of ECMC had personal knowledge of the alleged debt, even though the ECMC alleged debt has no valid ECMC assignment. ECMC has failed to attach a copy of their alleged EXPIRED actual judgment despite being requested and required to produce such based on FDCPA1692g (4) which states: a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; 8

The law says a copy of the judgment will be sent, not a STATEMENT FOR JUDGMENT. The ECMC agents are using an unseen and expired alleged judgment while COMMITING FALSE INSTRUMENT FILING CRIMES AND STEALING MONEY and violating NYS and Federal consumer protection laws while not showing any ownership or nexus. The ECMC agents have failed to attach a copy of a contract showing any liability and or nexus to Miriam Snyder, although they falsely alleged that they did so. The ECMC agents have used fraudulent alleged loan documents drafted in a manner, and with an intent, to deceive the court, tax entities, the US Department of Education and Miriam Snyder into believing that ECMC had information sufficient to support an enforceable default judgment, whereas in fact they do not, but have an expired, VOIDED STATEMENT FOR JUDGMENT designed to deceive and defraud all. The ECMC agents’ violations of state and federal consumer protection, disclosure, and statute of limitation laws are on-going, extensive and intentional, and exhibits an evil motive of reckless indifference to the rights of Miriam Snyder, as well as to consumers generally. ECMC’s theft of money, threats to continue such and overall actions constitute a pattern and practice of unlawful and oppressive misconduct, which is deliberately misleading the courts, tax laws, and Miriam Snyder regarding the validity and enforceability of their alleged claims. Furthermore, ECMC has failed to understand that under New York law, the ECMC agents acting as debt collectors, bear the burden of proof in legal actions. In order to prevail, the debt collector must submit admissible evidence demonstrating that the alleged debtor actually owes the debt in the precise amount claimed. See, e.g., Citibank v. Martin, 807 N.Y.S.2d 284 (Civ. Ct. N.Y. County 2005). ECMC has not proved anything and has tried to push the burden of proof on Miriam Snyder. It is my firm belief that ECMC is using my personal information criminally and without my consent or authorization and because of such the below noted and linked criminal report was written. JUNK DEBT BUYER ECMC CRIMINAL STUDENT LOAN SCHEME TO DEFRAUD, CONSPIRACY AGAINST RIGHTS AND JUDICIAL IMPOSTURE ORGANIZED FRAUD TO SUBTERFUGE NO STANDING, NO JURISDICTION AND NO REAL PARTY OF INTEREST CRIMINAL COMPLAINT POSTED AT: http://issuu.com/prayerwarriorsneeded/docs/final_published_notarized_ecmc_crim ECMC does not have the legal rights alleged in their unconscionable contracting letter dated March 13, 2014. Under well settled consumer law concepts, only a party with an ownership interest in the note can enforce. In this case, ECMC’s simple holding of an expired, forged and missing signature Promissory Note does not confer standing to enforce its terms, particularly while enforcing such with a voluminous amount of fraud court documents that rendered an unseen judgment and an expired VOID STATEMNT OF JUDGMENT. To this end and for the record, note that Miriam Snyder does not consent to any transference of rights to her detriment, any securitizations, fictional administration and or intangible obligation creations under UCC Article 8 fictitious eNote usage under the disguise of securitizations. Be it furthered understood, that Miriam Snyder does not waive any rights to the statute of law cancelling and voiding this over 24 year old invalid, uncollectible, unenforceable and expired ECMC concocted claim via the illusion of legality STATEMENT FOR JUDGMENT and unseen judgment.

Miriam Snyder adamantly disallows, objects to, and will report and publicize all of ECMC’s Standard Operating Procedures in regards to the conveyance of a securitized student loan, specifically the conversion of an expired tangible loan instrument into an intangible electronic “eNote” Form, which is typical in the criminal world of unauthorized Electronic Securitization. Miriam Snyder will not be further victimized by this documented scheme to defraud embedded in ECMC’s creation of an illusion of legality while not having proper or valid holdership, authority, rights, or alleged loan papers to their criminally expert intangible obligation creations. If the instruments were valid, ECMC would need proof of actual ownership and they cannot produce or create such because ECMC is a third party stranger in this matter. Because of such, the ECMC agents have inflicted the many levels of confusion to disguise fraud. ECMC’s multifaceted fraud is the reason why ECMC cannot and will not sign any of their extortion letters to me. ECMC agents know they are operating and administering a criminally expert Ponzi scheme to defraud. Should I be forced to file suit to stop these crimes, than this letter shall serve to document ECMC’’s willfulness and intent to continue invoking this illusion of legality extortion manifestation and scheme to defraud to subterfuge ECMC’s lack of proof of actual ownership. This is an additional appeal for the above noted authorities to stop these ECMC odious, malicious, and unwarranted induced poverty scheme to defraud ECMC crimes based on the fact that the statute of limitations have expired and thus the alleged default judgment and missing signature promissory note is unenforceable, uncorrectable, invalid, and void on the documents face and based on the above cited statute of limitations law. I seek restitution including the return of the $ 1,800.00 dollars ECMC has stolen from me, as well as the liberty and peace I am entitled to when the ECMC Agents are arrested. To this end, in good faith, to spare judicial resources at this time, I am again publicly asking the above noted ECMC agents to stop the criminal seizure of my money and provide within five (5) calendar days from the date of this letter the below-requested information and any additional information or documents ECMC thinks establishes ECMC’s right to collect or to carry out the criminal seizures using the unseen, expired, unenforceable and fraud judgment. ECMC’s compliance with this request will not require much time or effort if, in fact, ECMC has such rights and it verified same before collecting. Respond only to the parts of the request that apply to ECMC. Please let me know which parts ECMC claims do not apply to ECMC. Failure to eliminate any particular level of involvement will be viewed as ECMC’s admission of claiming more than one hat regarding the alleged loan and not having provided a complete and meaningful response. If the ECMC agent has a document that is responsive to this request, please provide a copy of the entire document, including exhibits. A summary abstract or comment about a document is not acceptable and will not be treated as genuine evidence supporting whatever position ECMC claims regarding the alleged loan. Silence or an incomplete response will be understood as ECMC’s admission that the seizure of Miriam Snyder’s money is criminal and improperly issued and that ECMC has no right to enforce the alleged, expired and concocted claims pursuant to the Uniform Commercial Code (the UCC) Section 3 as adopted by New York State. Therefore there is no right to seize my money. ECMC’s lack of proof of actual ownership, coupled with the expired statute of limitations, unauthorized securitization, renders the ECMC theft of my money criminal with intent to defraud. The questions for the ECMC agents include: 10

1. If you are an attorney or ECMC Agent representing ECMC’s claims of the alleged debt, please identify yourself with name, address, phone number, and a description of services you provide in relationship to the alleged loan. 2. Please explain and identify the circumstances by which ECMC obtained the alleged right to collect on this claim and when. Identify the person or entity from whom ECMC purchased the alleged loan and identify when such occurred. Please provide the name and address of the alleged “Original Creditor". 3. Please explain why ECMC should not respect the UCC statute of limitation laws cited above with respect to the attached 25 year old missing signature Promissory Note and the 24 year old alleged and unseen judgment. 4. Identify each of the ECMC employees who has collected on and attempted to collect on the alleged loan and describe what actions were taken by each such employee to collect, or attempt to collect. 5. If you maintain that no insurance, claim settlement, or warranty payments have been sought or received that involve directly or indirectly, the alleged loan, please state so in an affidavit under oath executed by one of ECMC’s officers. 6. Please provide a complete history of each transfer of the physical Promissory Note and each sale, transfer, exchange or assignment of the alleged loan, in full or part, from its creation to the current time, including but not limited to the name, address. and phone number of each transferor and each transferee in that chain. 7. Further, for each transfer or transaction please provide any resulting assignment or conveyance instrument, the contract(s) or agreement(s) involved with the respective transfer or transaction, as made by the parties to each respective transfer or transaction. Please identify the source or sources of ECMC’s information regarding that chain of activity regarding the alleged loan. 8. Please provide a copy of each email, fax, letter or other communication ECMC agents sent to or received from any person or company regarding the alleged loan since its inception. 9. Does ECMC claim the right to enforce the allege loan pursuant to the Uniform Commercial Code of NYS? If so, what part of the UCC? 10. Please provide the contract, agreement, or document by which ECMC is engaged to provide services for that company respecting the alleged loan. If more than one contract or agreement is involved, please provide complete copies of each. 11. Does ECMC hold any economic interest in the alleged loan? Please explain and provide each and all documents that ECMC asserts create an economic interest in the alleged loan. 12. Please provide a copy of the alleged ACTUAL JUDGMENT by which declared a default under the alleged loan and instructed ECMC to commence collection actions regarding same. 13. Please explain what type of endorsement ECMC sent to Miriam Snyder regarding the Promissory Note. Please explain what rights ECMC believe it has with respect to the endorsement noted above. 11

14. ECMC’s letter dated March 13, 2014 refers to federal regulations, the federal government, ensurance of payments, and repaying on alleged loans while the attached exhibit __ letter from the United States Department of Education FOIA response letter states no loans were ever with the federal government. Please explain who and what federal entities the ECMC letter references. 15. Please provide a complete accounting of the amount alleged due under the Promissory Note from its inception to the current time, including every credit and debit. Please account for each and any insurance proceeds, claim settlement, or warranty payments made regarding the expired Promissory Note. 16. Is ECMC the current owner, assignee, holder, holder in due course, and/or entitlement holder of the alleged debt? If YES, please explain, provide and return true, correct, complete and not misleading copies of proofs and/or documentary or evidentiary records, sworn by wet-ink signature signed under the penalty of perjury that the foregoing copies are true, correct, and not misleading. 17. Does ECMC have and hold in their possession any verifiable original agreement, instrument or contract between Miriam Snyder and ECMC, that ECMC will verify under oath, affirmation or deposition under the penalties of perjury? If YES above, ECMC is to provide and return true, correct, complete and not misleading copies of the original agreement, instrument or contract and verify under oath, affirmation, deposition, under penalty of perjury that ECMC has first-hand, personal knowledge of the original agreement, instrument or contract or state why ECMC cannot, or will not produce the same. 18. Please detail how many tax deductions and/or tax-write offs have been made by ECMC, the original creditor or other debt collectors regarding this alleged 25 year old account. 19. Please state whether you have a copy of any contract that contains Miriam Snyder’s signature on it. If your answer is “no,” state whether you have a copy of ANY document that contains Miriam Snyder’s signature and, if so, identify each such document. 20. Did ECMC ever make any agreement to lend money or provide credit to Miriam Snyder? If the answer is yes, state: a) The date of the agreement; b) The place in which the agreement was made; c) The terms of the agreement; d) Identify all documents, notes and records which relate any terms of the agreement; e) Identify all persons present at the time the agreement was made. 21. As of the date ECMC made demands for payment to Miriam Snyder, how much of the amount ECMC demanded was principal and how much was interest, and explain the basis of ECMC’s calculations by making specific reference to the documents on which the calculations are based. 22. Define the role between the NYS Guaranty agency, NYS Higher Education Services Corporation and ECMC. Does ECMC get alleged guaranty powers from buying the alleged debt form Hyatt, Hyat and Landau, debt collectors, who bought the alleged debt from the NYS Guaranty agency? Please explain how?

Please have the ECMC Officer answering the above questions declare under the pains and penalties of perjury under the laws of the United States of America that he/she has personal knowledge and belief that the statements made herein are true, correct, and not misleading. Samples of ECMC’s complex corporation fraud, deceit, misrepresentation, unconscionable contracting and illusions of legality are exemplified in the ECMC letter dated March 13, 2014. In this letter ECMC states it is representing the Federal government while the attached federal government Education Department FOIA letter dated April 2014 clearly states no loan for Miriam Snyder exists with the Federal government. Additional complex fraud is exemplified in this ECMC letter extorting my signature in exchange to suspending ECMC’s criminal seizure of my money. This is called criminal unconscionable contracting. This ECMC letter is a mockery of justice. ECMC has stolen my identity information without my consent, attached such to bogus organized court fraud debt creation documents, and thereafter the ECMC agents inflicted the illusion of legality by pretending to be willing to investigate their very own identity theft crimes if I cooperate with their coerced signature scheme to defraud. This ECMC letter is in direct conflict with the U.S. Department of Education letter dated April 10, 2014 attached as exhibit 3. The U.S. Education letter clearly isolates itself from all ECMC loan interference allegations and associations. This ECMC letter implies that the only resolution to permanently stop ECMC’s grand larceny crimes is via the victim seeking judicial intervention. ECMC will not take Miriam Snyder to court because they know they have an invalid, unenforceable and uncorrectable Statement of Judgment using the illusion of legality. Furthermore, ECMC cannot prove ownership of any, holder or BOSS status. Consequently, in order to shift the evidentiary requirements/ the burden of proof to the Plaintiff, ECMC’s letter willfully invites Miriam Snyder to be Plaintiff to seek judicial intervention to stop ECMC’s crimes. ECMC’s criminal ploy in the attached ECMC letter dated March 13, 2014 is to criminally coerce Miriam Snyder to seek judicial intervention under the disguise of stopping ECMC’s criminal money seizure crimes. But, in reality ECMC’s court or judgment coercion is for no other purpose but for shifting ECMC’s current burden of proof of ownership and claim, to the Plaintiff, coupled with their pattern and practice of using and misleading the judiciary, as well as to invoke their internet documented legal bullying and abuse to silence their theft of consumer monies not owed them and tax evasions embedded in ECMC’s Tax evasion hardship form. See Exhibit 7. This ECMC homemade tax hardship form is used to criminally convert ECMC’s tax liability to the alleged Borrower (donor/issuer). In this ECMC tax scheme ECMC’s obligation to pay the taxes due on the transferor, sets up the alleged Borrower (donor/issuer) to pay ECMC’s taxes on the skip transfer tax and income tax on ECMC’s off balance sheet transaction. ECMC’s fraudulent hardship form is designed for the illusion of hardship relief when in fact it is an ECMC tax write off form coercing the signature of the victim for ECMC tax evasions. There is no other reason this ECMC Statement of Financial Status is aligned with and Identified as ECMC’s Tax Off Set Hardship. A consumer hardship has nothing to do with ECMC’s taxes. But, this form is criminally used to deceive and coerce the signature of the victim so ECMC can get the insurance money for the ECMC concocted nonexistent debt and the tax write off.

ECMC has criminally used my name to securitize a forged Promissory Note. I do not consent and or authorize such. ECMC has criminally used my name for its tax evasion Hardship form scam. I do not consent or authorize to such. I do not consent to ECMC using my name for any transactions. I do not authorize or consent to ECMC criminally usurping power it does not have over any of my business affairs. I do not have any contract with ECMC and I never authorized any transfer, siege, and or fraud regarding ECMC’s input in this matter. ECMC has never loaned, credited, guaranteed, and or gave me any money. I do not owe ECMC anything and I have never agreed to their interference in any of my business affairs. I do not consent to any use of my name on any intangible instrument. I do not consent to ECMC’s forged signature on any alleged Promissory Note in my name. I do not consent to any alleged ECMC enforceability rights as I never contracted with ECMC. I Miriam Snyder invoke UCC 3-306 a counterclaim against ECMC and any other shyster deceitfully using my name, to steal money from me, fraudulently billing me of such, and financially injuring me. I do not consent to any unconscionable contracting where my authority and or money was criminally usurped for the gain of any entity associated with ECMC, or any other party, over me. Based on ECMC’s criminal deceit, misrepresentations, use of a statute of limitation expired non-served over 25 year old summons and complaint, which effectuated an unseen judgment and an illusion of legality STATEMENT FOR JUDGMENT that was used to steal, coupled with ECMC’s attached in the exhibits multifaceted organized fraud court documents and filing of false instruments in public offices to seize money not due or owed, it is my firm contention that ECMC agents warrant restraining and criminal investigations on behalf public safety. Please see my criminal report and Demand for Sanctions against Educational Credit Management Corporation dated March 2014 regarding ECMC’s unregulated, ongoing and continuous civil rights, complex fraud, and theft of money crimes posted at: http://issuu.com/prayerwarriorsneeded/docs/final_published_notarized_ecmc_crim ECMC’s interference with state and federal laws to steal money not owed or due them exemplifies COINTELPRO practices. As such, a criminal civil rights investigation, as well as a complex fraud investigation is needed to arrest, incarcerate, and bind ECMC embezzlement, tax evasion, grand larceny, and the host of other crimes summarized in exhibit 1. ECMC is operating as a terroristic entity attempting to devour and destroy innocent people who have no contract or association with ECMC. Based on much research, Educational Credit Management Corporation has used, deceived, and coerced much of the judiciary to disregard their financial injury crimes, at the expense of the non-enforcement of consumer protection laws. Consequently, an administrative remedy to stop these ECMC 10 US Code § 333 - Interference with State and Federal law crimes is urgently and immediately needed. On behalf of public safety, I most graciously thank the public Officials who will do their jobs in stopping these ECMC counterfeit, tangible and intangible unauthorized transfers, embedded in asset backed student loan security crimes, at the expense of an unregulated Ponzi scheme, illusion of legality, corporation, ECMC. In closing, please note that ECMC has no valid lien and there is no public record regarding ECMC’s nonexistent debt that is being used to steal my money. Please see exhibits 26-27. Miriam Snyder did a valid lien check and there was no record of ECMC’s illusion of legality debt or lien.

REFERENCES POSTED AT: http://www.endorganizedcrimeuniverse.com/page11.html MARCH 2014 JUNK DEBT BUYER ECMC CRIMINAL STUDENT LOAN SCHEME TO DEFRAUD, CONSPIRACY AGAINST RIGHTS AND JUDICIAL IMPOSTURE ORGANIZED FRAUD TO SUBTERFUGE NO JURISDICTION, NO STANDING, NO CONTRACT AND 25 YEAR OLD EXPIRED UNSEEN JUDGMENT CRIMINAL COMPLAINT http://issuu.com/prayerwarriorsneeded/docs/final_published_notarized_ecmc_crim Debt Deception: How Debt Buyers Abuse the Legal System to Prey on Lower-Income New Yorkers Debt-Buyer Lawsuits and Inaccurate Data Student Loan Debt Deception Brief Understanding Junk Debt Buyer Lawsuits HYAT, HYAT AND LANDAU SUED FOR FALSE AFFIDAVITS OF SERVICE/NO SERVICE LAWSUITS RENDERS INFINITE SCHEME TO DEFRAUD UNSEEN JUDGMENT NYS Sewer Service Lawsuit against Debt Collectors OR http://endorganizedcrimeuniverse.com/assets/download/HAYT__HAYT_AND_LANDAU_PFAU_NYS_ LAW_SUIT_AGAINST_DEBT_COLLECTORS_SEWER_SERVICE.pdf ABROGATING THE HOLDER IN DUE COURSE DOCTRINE ECMC ONGOING CONSPIRACIES AND OFFENSES GRAND LARCENY CRIMES AGAINST MIRIAM SNYDER 2013-1-2014 SOME NOT ALL https://drive.google.com/file/d/0B4GxpI4lqliscUxETDNyZmtGM1E/edit?usp=sharing ECMC SHEME TO DEFRAUD CRIMES 2012 SOME NOT ALL https://drive.google.com/file/d/0B4GxpI4lqlisS1dzVDhjNl9OVnM/edit?usp=sharing Doug Lederman, “‘Deceptive Practices’ in Loan Industry,” Inside Higher Ed, March 16, 2007. http://tinyurl.com/DROMLederman. Student Loans and Student Loan Asset-Backed Securities: A Primer http://www.nera.com/extImage/PUB_ARS_Student_Loan_0609.pdf Securities Fraud: http://www.securities-fraud.com/Asset-Backed_Securities.html Alan Collinge, Student Loan Scam: The Most Oppressive Debt in U.S. History—and How We Can Fight Back (Boston: Beacon Press, 2009).

Rick Ungar, “How Our Largest Corporations Made $170 Billion During Great Recession and Paid No Taxes,” Forbes, June 1, 2011. http://tinyurl.com/DROMUngar. Student-Loan Securities Stay Hot http://online.wsj.com/news/articles/SB10001424127887323293704578334542910674174 Ripoff Report | Educational Credit Management Corporation ... www.ripoffreport.com/.../educational-credit-management-14c57.htm Dec 20, 2011 – Educational Credit Management Corporation ECMC sent Taxpayers Fund $454,000 Pay For Collector Chasing Student Loans http://www.bloomberg.com/news/2012-05-15/taxpayers-fund-454-000-pay-for-collector-chasing-studentloans.html Rowe v. Educational Credit Management Corporation - Justia law.justia.com/cases/federal/district-courts/oregon/ordce/6.../89/ 06-1131-HO ORDER Plaintiff, Jeffrey Rowe, brings this action alleging violation of the Fair Debt Collection Practices Act (FDCPA), violation of the Oregon ... Executives at Debt Collection Agency Admit Roles in $10 Million Client, Lender, and Investor Fraud Scheme http://www.fbi.gov/newhaven/press-releases/2012/executives-at-debt-collection-agency-admit-roles-in-10million-client-lender-and-investor-fraud-scheme-1

ECMC CRIMINAL REPORT NOVEMBER 2012 ECMC’S UNREGULATED EXTORTION, DECEIT, AND MISREPRESENTATIONS EFFECTUATING THEFT OF INCOME IN VIOLATION OF STATUTES AND REGULATIONS GOVERNING OFFSETS AND USING OMBUDSMEN ON A PAYROLL TO PERPETUATE THE FRAUD VIA DISREGARDING THE US DEPARTMENT OF EDUCATION REQUEST FOR HEARING, VALIDATION,DEFERRMENT, FORBEARANCE, AND FINANCIAL DISCLOSRE FORMS AND THEREAFTER HAVING OMBUDSMEN ZITUR SEND ERRONEOUS FORMS AND MALICIOUS LETTERS ADVANCING THE THEFT OF INCOME, ECMC’S UNREGULATED AND CRIMINAL 185.05 FRAUD INVOLVING A SECURITY INTEREST; 190.40 - CRIMINAL USURY IN THE SECOND DEGREE., 190.42 - CRIMINAL USURY IN THE FIRST DEGREE, 190.45 POSSESSION OF USURIOUS LOAN RECORDS. 190.50 - UNLAWFUL COLLECTION PRACTICES, ECMC’S REFUSAL TO VALIDATE THE ALLEGED DEBT, REFUSAL TO PRODUCE AN AUTHENTIC JUDGMENT, AFFIDAVIT, MOTION, SUMMONS, SERVICE PAPERS, STANDING PAPERS, AND OR ANY VALID CONNECTING CONTRACT, http://issuu.com/prayerwarriorsneeded/docs/ecmc_student_loan_fraud_november_20_2012_finalee?mod e=window&viewMode=singlePage THE FRAUD JUDGMENT IS ON PAGE 44-45 AND THE FORGED PROMISSORY NOTE ON PAGES 22- 30 AND 37-49, STOP STUDENT LOAN SECURITIZATION FRAUD AND CRIMINAL DEBT SLAVE CREATION http://issuu.com/prayerwarriorsneeded/docs/student_loan_affidavit_with_exhibits_sep_20_2012?mode=window&v iewMode=singlePage

ECMC THEFT OF MONEY OCTOBER 24, 2012 http://issuu.com/prayerwarriorsneeded/docs/faxed_student_loan_ecmc_denial_of_taking_money?mode= window&viewMode=singlePage ECMC CRIMINAL COMPLAINT SEPTEMBER 20, 2012 http://issuu.com/prayerwarriorsneeded/docs/student_loan_affidavit_with_exhibits_sep_20_2012?mode= window&viewMode=singlePage ECMC CRIMINAL COMPLAINT AUGUST 30, 2012 http://issuu.com/prayerwarriorsneeded/docs/fourth_letter_ecmc_enjoinment_income_lynching_terr?mod e=window&viewMode=singlePage ECMC CRIMINAL COMPLAINT AUGUST 16, 2012 http://issuu.com/prayerwarriorsneeded/docs/ecmcfraudfinallee?mode=window&viewMode=singlePage ECMC VALIDTION AND CONTRACT REQUEST July 25, 2012 Page 42 http://issuu.com/prayerwarriorsneeded/docs/fourth_letter_ecmc_enjoinment_income_lynching_terr?mod e=window&viewMode=singlePage ECMC VALIDATION REQUEST July 17 2012 Page 14 http://issuu.com/prayerwarriorsneeded/docs/fourth_letter_ecmc_enjoinment_income_lynching_terr?mod e=window&viewMode=singlePage PLEASE SEE THE COMPREHENSIVE AFFIDAVIT FILED WITH THE US DEPARTMENT OF EDUCATION DOCUMENTING ECMC CRIMINAL ACTIVITIES AND DOCUMENTS. THE US DEPARTMENT OF EDUCATION LAW DEPARTMENT WAS SUPPOSED TO STOP ECMC AND ORDER THE LOWER LEVELS NOT TO PARTAKE IN FURTHER ENFORCING THIS NON ENFORCEABLE ALLEGED DEBT BASED ON ECMC’S DEFRAUD DOCUMENTS. INSTEAD THE OPPOSITE OCCURRED. I WAS GARNISHED AS PART OF TOP DOWN ORGANIZED CRIME WHILE I DID EVERYTHING HUMANELY POSSIBLE TO STOP THESE CRIMES. PLEASE SEE: http://issuu.com/prayerwarriorsneeded/docs/student_loan_affidavit_with_exhibits_sep_20_2012?mode= window&viewMode=singlePage

EXHIBIT 1

EDUCATIONAL CREDIT MANAGEMENT CORPORATION SUPPLEMENTAL CRIMES INFLICTED ON MIRIAM SNYDER IN THIS MATTER The ECMC Criminal Conspirators have committed U.S. CODE TITLE 10, INTERFERENCE WITH STATE AND FEDERAL LAWS by stealing people’s money nationwide in contravention to the contract clause in the United States Constitution, Article I, Section 10, and Clause 1 AND IN CONTRAVENTION TO STATE AND FEDERAL STATUE OF LIMITATION LAWS. The ECMC Criminal Conspirators have committed 18 USC 1960, 1901, 1905, 1911, 1952, 1956, 1957, 1961, 1962, 1963, 1964 (RICO) CIVIL RICO- CONTINUOS CRIMINAL ENTERPRISE ACT (CCE) by participating and making a host of money off of this well documented court clerk judicial imposture default STATEMENT OF JUDGMENT creation scam led by the Chief judicial imposture disregard of this court clerk judicial imposture loophole. The ECMC Criminal Conspirators have committed 18 USC 241 CONSPIRACY AGAINST RIGHTS OF SOVEREIGN, FREE, GOD CREATED, SPIRIT AND SOUL BEINGS, by willfully participating in a well-documented court clerk judicial imposture scheme to defraud to create UNENFORCEABLE default judgments with organized fraud illusions of judicial force to steal American consumer’s money and property. The ECMC Criminal Conspirators have committed 18 U.S.C. SEC. 2381 TREASON AGAINST THE AMERICAN PEOPLE BY LEVYING WAR AGAINST THEIR CONSTITUTION OR AIDING ITS ENEMIES, by stealing people’s money nationwide in contravention to the contract clause in the United States Constitution, Article I, Section 10, Clause 1. The ECMC Criminal Conspirators have committed 18 USC SEC 2384 SEDITION/SEDITIOUS CONSPIRACY BY CONSPIRING TO OVERTHROW THE CONSTITUTIONAL GOVERNMENT OR DELAY THE EXECUTION OF LAWS OF THE UNITED STATES OF AMERICA, by enjoining Social Security in ECMC’s scheme to defraud and steal money crimes, in violation to the contract clause in the United States Constitution, Article I, Section 10, Clause 1. The ECMC Criminal Conspirators have committed 18 USC 3130----3730 money laundering by laundering money out of government offices like Social Security and doing so with no valid authority but with the sole force of organized fraud. 19

The ECMC Criminal Conspirators have committed 18 USC 1512 ENGAGING IN MISLEADING CONDUCT by repetitiously sending ECMC letters with no signature, using an organized fraud STATEMENT OF JUDGMENT to steal, coupled with a host of other organized fraud fictional court records. The ECMC Criminal Conspirators have committed 18 USC 1503 INTIMIDATE WITNESSES in retaliation to Miriam Snyder seeking FDCPA validation, ECMC stole her money under the disguise of garnishment, in violation to US Department of Education hearing and hardship provisions. The ECMC Criminal Conspirators have committed IMPEDING DUE EXERCISE OF RIGHTS BY ATTEMPTING TO PREVENT, OBSTRUCT, IMPEDE, AND INTERFERE WITH SAME, (18 USC SEC 1509) , by criminally seizing Miriam Snyder’s money with no lawful authority or contract and in violation to due process protections. The ECMC Criminal Conspirators have committed 18 U.S.C. SEC. 1962 RACKETEERING BY CONDUCTING AN ONGOING ENTERPRISE OF BRIBERY, EXTORTION, OR THREATS OF SAME, by stealing Miriam Snyder’s money with no lawful authority or contract. The ECMC Criminal Conspirators have committed 18 USC SEC 371 CONSPIRACY TO OFFEND AND DEFRAUD THE UNITED STATES by stealing low income, disabled, and elderly people’s money via Social Security funds while having no lawful contract, written reason, certification, or cause. The ECMC Criminal Conspirators have committed 18 USC 35 -- Imparting or conveying false information in government records and offices to steal money and are currently doing so. The ECMC Criminal Conspirators have committed 18 U.S. Code § 2511 - Interception and disclosure of wire, oral, or electronic communications prohibited and are currently doing so via stealing money on electronic cards and providing no direct ECMC receipt. The ECMC Criminal Conspirators have committed U.S.C. Title 18, See, 2071 and 2073 (falsifying records) and further; uttering and possessing false obligations and counterfeit securities based upon the falsified records of U.S.C. Title l8, Sec. 471, 472, 473, and/or 513. The ECMC Criminal Conspirators have committed corrupt business practices to make and possess false records and claim of obligation, not substantiated by truthful facts in violation of the Federal Racketeer Influences and Corrupt Organization (RICO), U.S.C. 20

Title 18 Sec. 1961 et. Seq. and are currently doing so as exemplified in the above complaint. The ECMC Criminal Conspirators are using the U.S. Mail to present such fraud and false instruments amounting to Mail Fraud, criminal conduct falling under Title 18 U.S.C. Sec. 1341 – Frauds and Swindles. The ECMC Criminal Conspirators have committed sending mail with false and fictitious names, a criminal conduct falling under Title 18 U.S.C. Sec. 1842 - Fictitious Names. The ECMC Criminal Conspirators have committed 18 U.S. Code § 249 - HATE CRIME ACTS by targeting people of color, women, victims of crime, low income people, disabled and the elderly and deliberately inducing unwarranted serious stress by stealing their survival money and obstructing constitutional protections to due process. The ECMC Criminal Conspirators have committed 18 U.S. Code § 2332a - USE OF WEAPONS OF MASS DESTRUCTION by using judicial imposture fictional STATEMENT FOR JUDGMENT and other fictional court documents as vicious weapons that steal, devour and kill innocent people. The theft is a terroristic act particularly when it is done in contravention to the Constitutional protection laws of the land. The ECMC Criminal Conspirators have committed 18 U.S. Code § 2339C PROHIBITIONS AGAINST THE FINANCING OF TERRORISM by directly or indirectly, unlawfully and willfully collecting funds with the intention that such funds be used, or with the knowledge that such funds are to be used, in full or in part, in order to carry out— acts intended to cause death or serious bodily injury to a civilian, when the purpose of such act, by its nature or context, is to intimidate a population. The ECMC Criminal Conspirators, specifically, Janice Hines and Richard Boyle have committed 18 U.S. Code § 241 - CONSPIRACY AGAINST RIGHTS by conspiring to injure, oppress, threaten, and intimidate Miriam Snyder by criminally seizing her money in violation of the 4th , 9th , and 14th Constitutional Amendments . They stole her money and deliberately denied her and retaliated against her for exercising her free speech rights to mandate validation and authentication of the criminal student loan fraud documents. They obstructed her free exercise and enjoyment of rights and privileges secured by the Constitution or laws of the United States, and because of her having so exercised the same.

EXHIBIT 2 ECMC’S MULTIFACTED ILLUSIONS OF LEGALITY, UNCONSCIONABLE CONTRACTING, CRIMINAL COERCING, PATTERNED AND PRACTICED UNSIGNED, EXTORTION LETTER IMPERSONATING WORKING ON BEHALF OF THE US DEPARTMENT OF EDUCATION/FEDERAL GOVERNMENT MARCH 2013 (2 PAGES)

EXHIBIT 3 U.S. DEPARTMENT OF EDUCATION FOIA RESPONSE DOCUMENTING NO STUDENT LOAN IN THE FEDERAL GOVERNMENT’S DATA BASE (2PAGES)

EXHIBIT 4 ECMC CRIMINAL DECEIT, ILLUSION OF LEGALITY, AND FALSE IMPERSONATION AS THE NYS GUARANTY AGENCY WHILE THE NYS GUARANTY AGENCY ALIGNED WITH THE US EDUCATION DEPARTMENT IS NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION, ECMC WILLFULL AND DELIBERATE FRAUD

EXHIBIT 5 ECMC CRIMINAL THEFT OF MONEY AND CRIMINAL ILLUSION OF LEGALITY, ECMC FALSE IMPERSONATION AS CREDITOR AND FALSE INSTRUMENT FILING TO STEAL MONEY

EXHIBIT 6 ECMC CRIMINAL THIRD PARTY ENJOINMENT, DECEIT AND CRIMINAL ILLUSION OF LEGALITY, FASLE IMPERSONATION AS CREDITOR

EXHIBIT 7 ECMC CRIMINAL ILLUSION OF LEGALITY: ECMC FALSE IMPERSONATION OF THE IRS TAX OFFSET AGENCY HOMEMADE STATEMENT OF FINANCIAL STATUS AND ECMC TAX OFFSET HARDSHIP (EVASION) ECMC CRIMINAL VICTIM SIGNATURE COERCION AND ENJOINMENT UNDER THE DISGUISE OF HARDSHIP BUT IN REALITY UNDER ECMC PREMEDITATED TAX WRITE OFF AND EVASION FRAUD

EXHIBIT 8 ECMC CRIMINALLY INSANE ILLUSIONS OF LEGALITY: DECEPTIVE PRACTICES AND IMPERSONATION OF THE US DEPARTMENT OF EDUCATION TO STEAL MONEY NOT OWED ECMC. THIS IS A DECEITFUL LETTER FROM ECMC IMPERSONATING THE U.S. DEPARTMENT OF EDUCATION.

DECEPTIVE PRACTICES THIS LETTER FROM ECMC IS USING THE U.S. DEPARTMENT OF EDUCATION LOGOS TO DECEIVE AND STEAL.

EXHIBIT 9 ECMC’S DEFRAUD THE UNITED STATES ORGANIZED FRAUD ILLUSION OF LEGALITY 24 YEAR OLD EXPIRED STATEMENT FOR JUDGMENT SCAM THAT STEALS A VOID ILLUSION OF JUDGMENT WHICH STOLE AND IS STEALING MY MONEY A COMPLETE NULLITY AND WITHOUT LEGAL EFFECT, LUBBEN V. SELECTIVE SERVICE SYSTEM LOCAL BD. NO. 27, 453 F.2D 645, 14 A.L.R. FED. 298 (C.A. 1 MASS. (1972)

1. Lack of subject matter jurisdiction (CPLR § 3211(a)( 2. Failure to state a cause of action (CPLR § 3211(a)(7)); and 3. Failure to join a necessary party (CPLR § 3211(a)(10)). 31

EXHIBIT 10 ECMC’S CRIMINAL ILLUSION OF A DEFAULT JUDGMENT CREATION SCAM  190.23 - FALSE PERSONATION. PATRICIA L. MCCARTHY THE COURT CLERK IMPERSONATING A JUDGE BY SIGNING THIS ORGANIZED FRAUD FALSE STATEMENT FOR JUDGMENT AND CRIMINALLY DOING SO WITHOUT ANY EVIDENTIARY PROOF.

PATRICIA L. MCCARTHY COURT CLERK AND JUDICIAL IMPERSONATOR      

190.23 - False personation. 190.25 - Criminal impersonation in the second degree. 190.26 - Criminal impersonation in the first degree. 190.40 - Criminal usury in the second degree. 190.42 - Criminal usury in the first degree. 190.45 – Creation/Possession of usurious loan records. 32

EXHIBIT 11 THIS IS THE ECMC CONSPIRATORS NON SERVED AND NON CERTIFIED SUMMONS A DUE PROCESS VIOLATION AND THE LACK OF CERTIFICATION IS FRAUD ON THE COURTS AND A VIOLATION OF NYS COURT RULES. ECMC IS CURRENTLY STEALING MONEY BASED ON THIS NON SERVED FRAUD. 4. Lack of subject matter jurisdiction (CPLR ยง 3211(a)( 5. Failure to state a cause of action (CPLR ยง 3211(a)(7)); and 6. Failure to join a necessary party (CPLR ยง 3211(a)(10)).

EXHIBIT 12 22 NYCRR ยง 130 -1.1-A REQUIRES THAT "BY SIGNING A PAPER, AN ATTORNEY OR PARTY CERTIFIES THAT, TO THE BEST OF THAT PERSON'S KNOWLEDGE, INFORMATION AND BELIEF, FORMED AFTER AN INQUIRY REASONABLE UNDER THE CIRCUMSTANCE ) THE PRESENTATION OF THE PAPER OR THE CONTENTIONS THEREIN ARE NOT FRIVOLOUS AS DEFINED IN SUBSECTION 130-1.1(C)." 22 NYCRR ยง 130 -1.1(C)

EXHIBIT 13 THIS IS ECMC’S 25 YEAR OLD CRIMINALLY CONSPIRED AND ENJOINED FALSE AND LEGALLY INADEQUATE AFFIDAVIT, A VIOLATION OF CPLR SECTIONS 3212, 3215, AND 4518 BUSINESS RECORDS. ADDITIONALLY, THEIR CONSPIRATORIAL AFFIDAVITS OBSTRUCT THE EVIDENCE PROTECTIONS IN: FEDERAL RULES OF CIVIL PROCEDURE 56C AND FEDERAL RULES OF EVIDENCE RULE 106, 601, 602, 603, 803B5, AND THE AUTHENTICATION RULES IN FED.R.EVID. 901(A). NO PERSONAL KNOWLEDGE PURE ORGANIZED FRAUD

A. 18 U.S.C. §1030: (a)(4): Falsification of computer records B. 18 U.S.C. §872: Extortion under the color of law C. 18 U.S.C. §1341: Fraud

EXHIBIT 14 ECMC’S ONGOING AND CONTINUOUS USE OF OVER 25 YEAR OLD EXPIRED ORGANIZED FRAUD CONSPIRACY AGAINST RIGHTS NON EXISTENT LOAN DOCUMENTS A. 18 U.S.C. §1030: (a)(4): Falsification of computer records B. 18 U.S.C. §872: Extortion under the color of law C. 18 U.S.C. §1341: Fraud

EXHIBIT 15 ECMC’S OVER 24 YEAR OLD HYAT, HYAT AND LANDAU PATTERNED AND PRACTICED FALSIFIED AFFIDAVIT OF SERVICE ORGANIZED FRAUD COMPLIMENTING ECMC’S ONGOING AND CONTINUOUS CRIMES http://endorganizedcrimeuniverse.com/assets/download/HAYT__HAYT_AND_LANDAU_PFAU_NYS_ LAW_SUIT_AGAINST_DEBT_COLLECTORS_SEWER_SERVICE.pdf

EXHIBIT 16 ECMC’S ONGOING AND CONTINUOUS USE OF EXPIRED OVER 25 YEAR OLD HYATT, HYATT AND LANDAU PATTERNED AND PRACTICED FALSIFIED AFFIDAVIT OF SERVICE ORGANIZED FRAUD CRIMES http://endorganizedcrimeuniverse.com/assets/download/HAYT__HAYT_AND_LANDAU_PFAU_NYS_ LAW_SUIT_AGAINST_DEBT_COLLECTORS_SEWER_SERVICE.pdf A. 18 U.S.C. §1030: (A)(4): FALSIFICATION OF COMPUTER RECORDS

EXHIBIT 17 ECMCâ&#x20AC;&#x2122;S ONGOING AND CONTINUOUS CRIMINAL USE OF EXPIRED, FALSIFIED, UNAUTHORIZED AND UNKNOWN NON EXISTENT LOAN CREATION FALSE INSTRUMENTS The details changed from time to time, some of the conspirators may not know each other, or the part played by others, but a member need not know all the details of the plan and operation, the conspirator must however, know the purpose of the conspiracy and agree to become a party to a plan to effectuate that purpose. Please see: Craig v. U.S. 81 F2d 816.

EXHIBIT 18 ECMCâ&#x20AC;&#x2122;S ONGOING AND CONTINUOUS CRIMINAL USE OF OUTDATED OVER 25 YEARS OLD ORGANIZED FRAUD COURT DOCUMENTS TO STEAL MONEY COURT RECEIPT FOR THE COURT OF THE CLERK JUDICIAL IMPOSTURE FILES. PLEASE NOTE THE FILES WERE CERTIFIED ON THE BACK OF THE PAGE BECAUSE THIS IS PRIORITIZED ORGANIZED FRAUD FROM THE COURTS

This ECMC ongoing student loan conspiracy against rights and the theft of money crime scams were designed so ECMC or any other debt collector or lawyer could drop in, when the defraud judgment creation lawyers dropped out. The details changed from time to time, some of the conspirators may not know each other, or the part played by others, but a member need not know all the details of the plan and operation, the conspirator must however, know the purpose of the conspiracy and agree to become a party to a plan to effectuate that purpose. Please see: Craig v. U.S. 81 F2d 816.

EXHIBIT 19

170.00 Forgery; definitions

ECMC’S ILLUSION OF LEGALITY, OVER 25 YEAR OLD, EXPIRED, FORGED AND MISSING SIGNATURE of terms. PROMISSORY NOTE CRIMINALLY USED AS ECMC’S GET RICH SECURITY INTEREST AGAINST THE NAME HOLDER’S AUTHORIZATION AND CONSENT 170.05 Forgery in the third I AFFIRM UNDER PENALTY OF PERJURY THAT, MIRIM SNYDER DID NOT SIGN, AUTHORIZE OR CONSENT TO THE BELOW PROMISSORY NOTE FORGED ENDORSEMENT degree. BELOW IS NOT MIRIAM SNYDER’S ENDORSEMENT THE BELOW IS CRIMINAL FORGERY AND COLLUSION BETWEEN ECMC BOYLE AND VOLPE170.10 DESPERATE Forgery in the SECURITIZATION SCHEME TO DEFRAUD second degree.

Article 175 OFFENSES INVOLVING FALSE WRITTEN

170.15 Forgery in the first degree.

STATEMENTS 175.00 - Definitions of terms. 175.05 - Falsifying business records in the

170.20 Criminal possession of a forged instrument in the

second degree. 175.10 - Falsifying business records in the first degree. 175.15 -

third degree.

170.25 Criminal possession of a forged instrument in the

Falsifying business records; defense. 175.20 - Tampering with public records in

second degree

"Complete written

the second degree. 175.25 - Tampering with public records in the first degree.

instrument" means one which purports to be a

175.30 - Offering a false instrument for filing in the second degree. 175.35 -

genuine written

Offering a false instrument for filing in the first degree. 175.40 - Issuing a

essential feature

instrument fully drawn with respect to every

thereof.

endorsement,

false certificate. 175.45 - Issuing a false financial statement.

attestation, acknowledgment or

ROBO-STAMPED JOHN other VOLPE

Criminal usury in the second degree. 190.42 - Criminal usury in the first degree. 190.45 Possession of usurious

similar signature or

Article 190 statement is deemed OTHER FRAUDS both a complete written

loan records. 190.50 Unlawful collection NO NOTARY – REQUIRED FOR LEGAL ENDORSEMENT practices. 190.55 NO DATE OF ENDORSEMENT Making a false NO CORPORATE SEAL

statement of credit ROBO-STAMPED FORGED, UNAUTHORIZED SIGNATURE terms. 190.60 Scheme to defraud in the second degree. 190.65 - Scheme to defraud in the first degree. New York Laws: Penal : (185.00 - 185.15) Frauds On Creditors

190.23 - False personation. 190.25 instrument in itself and Criminal impersonation a part of the main in the second degree. 190.26 - Criminal instrument in which it is impersonation in the first degree contained or to which it attaches.

EXHIBIT 20 ECMC’S CRIMINAL USE OF EXPIRED, NON SERVED, DEFAULT JUDGMENT ILLUSION CREATIONS, PATTERN AND PRATCTICE OF HAYT, HAYT AND LANDAU DOCUMENTED IMPROPER SERVICE SCAM http://endorganizedcrimeuniverse.com/assets/download/HAYT__HAYT_AND_LANDAU_PFAU_NYS_ LAW_SUIT_AGAINST_DEBT_COLLECTORS_SEWER_SERVICE.pdf

I 2009-8236

EXHIBIT 21 ECMC’S ONGOING CONSPIRATOR’S IMPROPER SERVICE CRIMINALS HAYT, HAYT AND LANDAU ORGANIZED FRAUD DOCUMENTED

EXHIBIT 22 ECMC’S OVER 25 YEAR OLD EXPIRED AND FORGED PROMISSORY NOTE CURRENTLY USED TO STEAL MONEY 170.00 Forgery; definitions of terms. 170.05 Forgery in the third degree. 170.10 Forgery in the second degree. 170.15 Forgery in the first degree. 170.20 Criminal possession of a forged instrument in the third degree. 170.25 Criminal possession of a forged instrument in the second degree "Complete written instrument" means one which purports to be a genuine written instrument fully drawn with respect to every essential feature thereof. An endorsement, attestation, acknowledgment or other FORGED PROMISSORY NOTE NO NOTARY – REQUIRED FOR LEGAL ENDORSEMENT NO DATE OF ENDORSEMENT NO CORPORATE SEAL ROBO-STAMPED FORGED, UNAUTHORIZED SIGNATURE

185.05 Fraud Involving A Security Interest; 190.40 - Criminal usury in the second degree. 190.42 - Criminal usury in the first degree. 190.45 - Possession of usurious loan records. 190.50 - Unlawful collection practices. 190.55 - Making a false statement of credit terms. 190.60 - Scheme to defraud in the second degree. 190.65 - Scheme to defraud in the first degree.

EXHIBIT 23 (2 PAGES) ECMC’S FORGED PROMISSORY NOTE OVER 25 YEAR OLD EXPIRED AND FORGED PROMISSORY NOTE THAT ECMC CRIMINALLY USED TO CURRENTLY STEAL MONEY 170.00 Forgery; definitions of terms. 170.05 Forgery in the third degree. 170.10 Forgery in the second degree. 170.15 Forgery in the first degree. 170.20 Criminal possession of a forged instrument in the third degree. 170.25 Criminal possession of a forged instrument in the second degree "Complete written instrument" means one which purports to be a genuine written instrument fully drawn with respect to every essential feature thereof. An endorsement, attestation, acknowledgment or other

FORGED PROMISSORY NOTE NO NOTARY – REQUIRED FOR LEGAL ENDORSEMENT NO DATE OF ENDORSEMENT NO CORPORATE SEAL ROBO-STAMPED- FORGED, UNAUTHORIZED SIGNATURE

EXHIBIT 24 ECMC’S ILLUSION OF LEGALITY CRIMES ECMC’S USE OF OVER 25 YEARS OLD EXPIRED FALSE PRETENSE LOAN DOCUMENTS ZERO BALANCE WHILE ECMC STEALS OVER $300 DOLLARS A MONTH ECMC’S UNSIGNED 2013 EXTORTION LETTER (4 PAGES) USING THE ABOVE FRAUD

ECMC FRAUD BASED ALLEGED BILLS W DIFFERENT AMOUNTS

ECMC’S ILLUSION OF LEGALITY PATTERNED AND PRACTICED ECMC UNSIGNED EXTORTION LETTERS EFFECTUATING THEFT OF MONEY USING FALSE PRETENSE AND EXPIRED LOAN DOCUMENTS HARASSMENT, FRAUD AND CRIMINAL EXPERT EXTORTION (PAGE 2 OF 4)

ECMC’S ILLUSION OF LEGALITY ECMC’S BUSINESS RECORDS WHILE STEALING OVER THREE HUNDRED DOLLARS A MONTH

ECMC’S ILLUSION OF LEGALITY PATTERNED AND PRACTICED CRIMINAL EXPERT EXTORTION PAGE 4 OF 4)

EXHIBIT 25 ECMC’S ILLUSION OF LEGALITY ECMC’S OUT OF COUNTRY CANADIAN DEBT COLLECTOR ENJOINMENT IN FRAUD, HARASSMENT AND ECMC’S THEFT OF MONEY CRIMES

EXHIBIT 26 ECMC HAS NO VALID LIEN OR JUDGMENT FILED IN PUBLIC RECORDS. ECMC HAS AN ILLUSION OF LEGALITY CLAIM.

EXHIBIT 27 ECMC HAS NO VALID LIEN OR JUDGMENT FILED IN PUBLIC RECORDS. ECMC HAS AN ILLUSION OF LEGALITY CLAIM. THIS IS THE REQUEST TO EXHIBIT 26.

MIRIAM SNYDER’S APRIL 24, 2014 CERTIFICATE OF MAILING FOR THE CRIMINAL COMPLAINT AFFIDAVIT AGAINST EDUCATIONAL CREDIT MANAGEMENT CORPORATION I, Miriam Snyder, hereby certify that a true and correct copy of the foregoing Criminal Complaint Affidavit against ECMC with 27 exhibits were mailed, faxed, and emailed according to the below method and to the specific parties listed below on the 24th day of April, 2014 to the following addresses: United States Department of Justice Eric Holder, US Attorney General US Department of Justice 950 Pennsylvania Avenue, NW Civil Rights Division Criminal Section – PHB Washington, DC 20530 AskDOJ@usdoj.gov

US POSTAL MAIL 4/24/2014

United States Attorney's Office Southern District of New York Complex Frauds and Chief, Civil Rights Unit 86 Chambers Street, 3rd Floor New York, New York 10007 Fax: (212) 637-2750.

US POSTAL MAIL 4/24/2014

William J. Bratton, NYC Police Department Commissioner http://www.nyc.gov/html/mail/html/mailnypd.html NYC Police Department US POSTAL MAIL 4/24/2014 One Police Plaza NY, NY 10038 Tax Exempt Organization Complaint US POSTAL MAIL 4/24/2014\ Fax to 214-413-5415, or Email to eoclass@irs.gov.

IRS EO Classification Mail Code 4910DAL 1100 Commerce Street Dallas, TX 75242-1198 Internal Revenue Service STOP 31313 Fresno, CA 938888

US POSTAL MAIL 4/24/2014

Internal Revenue Whistleblower Office ICE 1973 N. Rulon White Blvd. M/S 4110 Ogden, UT 84404

US POSTAL MAIL 4/24/2014

US Department of Justice 950 Pennsylvania Avenue, NW Civil Rights Division, Section â&#x20AC;&#x201C; 1425 NYAV Washington, D.C. 20530 Fax: (202) 307-1197 education@usdoj.gov

FAX 4/24/2014

U.S. Department of Justice Civil Rights Division 950 Pennsylvania Avenue, N.W. Educational Opportunities Section, PHB Washington, D.C. 20530 mary.e.cahill@usdoj.gov

EMAIL 4/24/14

Andrew Cuomo, NYS Governor, http://www.governor.ny.gov/contact/GovernorContactForm.php Fraud and Civil Rights Crimes EMAIL 4/24/14 State of New York, State Capitol Albany, NY 12224 NYC FBI, E-mail: ny1@ic.fbi.gov FAX 4/24/14 Fraud, Financial and Hate Crimes 26 Federal Plaza, 23rd Floor New York, NY 10278-0004 Phone: (212) 384-1000 AND Fax: (212) 384-4073 / 4074 Mr. Schneider, NYS Attorney General, nysattorneygeneral@public.govdelivery.com Fraud and Civil Rights Crimes Office of the Attorney General US POSTAL MAIL 4/24/2014 The Capitol Albany, NY 12224-0341 Bureau of Consumer Protection, COMPLAINT@FTC.GOV whistleblower@cfpb.gov. Federal Trade Commission 600 Pennsylvania Avenue, NW Washington, DC 20580 (202) 326-2222

EMAIL 4/24/14

https://democrats-oversight.house.gov/tipline Committee on Oversight and Government Reform, 2157 Rayburn House Office Building, Washington, DC 20515 Phone: (202) 225-5074 Fax: (202) 225-3974

FAXED AND EMAILED 4/24/14

US Congressman Schumer, senator@schumer.senate.gov 780 Third Avenue Suite 2301 New York, NY 10017 Phone: 212-486-4430 Fax: 212-486-7693

FAX 4/24/ 14

Congressman Eliot Engle, Congressman_Engel@housemail.house.gov FAX 4/24/14 3655 Johnson Avenue Bronx, NY 10463 Phone (718) 796-9700 Fax: (718)796-5134

FAXED TO: 410 962 4910 Department of the Treasury Financial Management Service P.O. Box 1686 Birmingham, Alabama 35201-1686

FAX 4/24/14

Janice Hines President and CEO of ECMC Dave Hawn, President and CEO of ECMC Group Richard J. Boyle, Former ECMC CEO Education Credit Management Corp P.O Box 1708 St. Paul, MN 55101

US POSTAL MAIL 4/24/2014

NYC BAR COMMITTEE ON CIVIL RIGHTS SEBASTIAN RICCARDI, CHAIR 111 LIVINGSTON STREET 7TH FLOOR BROOKLYN, NEW YORK 11201 PHONE: (718) 422-2778 FAX: (212) 577-7999 SEBASTIAN.RICCARDI@GMAIL.COM

EMAIL 4/24/14

NYC BAR COMMITTEE ON CIVIL RIGHTS MAIA LICHTENSTEIN, SECRETARY 1285 AVENUE OF THE AMERICAS NEW YORK, NEW YORK 10019-6064 PHONE: (212) 373-3974 FAX: (212) 757-3990 MLICHTENSTEIN@PAULWEISS.COM

EMAIL 4/24/14

pbath@legal-aid.org sarah@nedap.org josh@nedap.org alexis@nedap.org joby@nedap.org

monica@nedap.org Respectfully, _______________________ Miriam Snyder, 3230 Cruger Avenue 6B Bronx, NY 10467 866-244-9823 MIRISNI@AOL.COM