Teran

I. INTRODUCTION

TTT Oscar D. Teran (“Teran”) fulfilled his dreams and graduated ||from an excellent law school in California. He borrowed a |jmodest amount of money to study for the Texas bar examination. 28 =- 1 =-

When things went poorly after that he was forced into Chapter 7 bankruptcy. His hopes for a fresh start were derailed when Navient Solutions, LLC, and Navient Credit Finance Corporation (together, “Navient”) decided to ignore Teran’s bankruptcy discharge and pursue him to collect that modest debt over the ensuing years. Teran paid a lot of the debt, while not obligated to. Finally, after more than a decade of effort, Teran gave up and fought back. Here is how that battle has played out and how Teran has vindicated his legal rights and those of thousands of people like him and how they may finally see justice and recovery in pursuit of their fresh start after Navient blocked them for so long. Before the court is a Motion for Class Certification (“Motion”) (Dkt. 67) filed by Teran on behalf of himself and all of those similarly situated.…