Creditwrench CEO

Debt collectors are America's most wanted criminals

2006-06-26T12:52:00.000-05:00

Debt collectors are America's most wanted criminals!

Here is why that is true. Debt collectors violate our counsumer protection laws millions of times daily. They just never stop violating even though they know it is illegal to do so. Those who violate the law are criminals, whether they are ever convicted of their crimes or not.

Tens of hundreds of people including law enforcement agencies must hunt them down daily for a wide variety of reasons. That easily makes debt collectors the most wanted criminals in America today.

In order to help those trying to find debt collectors I have put together a huge data base of America's most wanted criminals.

criminals

New Post/Thread Notification: CreditWrench

2005-08-23T08:43:00.001-05:00

Hello,

Creditwrench has just posted in the CreditWrench forum of CreditWrench under the title of Experian's hand gets slapped...yet again.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?threadid=767

Here is the message that has just been posted:
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Experian's hand gets slapped...yet again....

Experian Agrees to Pay $950,000 in FTC Settlement Over Credit Reports

August 17, 2005
Consumerinfo.com, Inc., doing business as Experian Consumer Direct, has
settled Federal Trade Commission charges that it deceptively marketed "free credit
reports" by not adequately disclosing that consumers automatically would be
signed up for a credit report monitoring service and charged $79.95 if they
didn't cancel within 30 days, in violation of federal law. The settlement requires
Consumerinfo to pay redress to deceived consumers, bars deceptive and
misleading claims about "free" offers, requires disclosure of terms and conditions of
any "free" offers, and requires the defendant to give up $950,000 in
ill-gotten gains.

According to the FTC complaint, the defendant drove consumers to their
www.freecreditreport.com and www.consumerinfo.com Web sites with radio, television,
e-mail and Internet ads that promised free credit reports and a bonus free
trials of a credit-monitoring service. Ads made claims such as:

FREE! FREE! FREE! Get Your FREE Credit Report Online in Seconds!!!!
Click here to get a FREE copy of your online Credit Report Instantly!
And that's not all. . . along with your INSTANT credit report, we'll give you
30 FREE days of the Credit Check Monitoring Service at no obligation.

Consumers were required to provide detailed personal information and a valid credit card account number to get their credit report. They were assured that, "Your card will not be charged during the free trial period. However, valid credit card information is required to establish your account."

According to the FTC's complaint, Consumerinfo's advertising and Web sites failed to explain adequately that after the free trial period for the credit monitoring service expired, consumers automatically would be charged a $79.95 annual membership, unless they notified the defendant within 30 days to cancel the service. Consumerinfo billed the credit cards that it had told consumers were "required only to establish your account," and, in some cases, automatically renewed memberships by re-billing consumers without notice. The FTC charged
that the defendant's failure to adequately disclose the automatic billing and to get consumers' consent to bill their accounts violated federal law.

The complaint also alleges that Consumerinfo misled consumers about their association with the annual free credit report program for which U.S. consumers are eligible by federal law. A federal law enacted in December 2003, gives consumers the right to get one free credit report every 12 months from each of the three national consumer reporting companies. This program began in western states on December 1, 2004, and will cover all U.S. consumers by September 1, 2005. Consumers can get their free reports by phone, mail, or at one authorized Web site, www.annualcreditreport.com. The FTC complaint alleges that onsumerinfo deceptively advertised and promoted its "free reports" at its "freecreditreport.com" Web site, without disclosing that it was not associated with the official annual free credit report program.

"Consumers paid the price for ordering free credit reports from
freecreditreport.com," said Lydia Parnes, Director of the FTC's Bureau of Consumer Protection. "It's unfair and deceptive to promise consumers something for free and then trick them into paying for products they didn't want in the first place."

"Consumers also need to be alert about impostor sites sites that misspell annualcreditreport.com or use sound alike names, but dont link to the authorized site. We are sending letters to operators of more than 130 impostor sites to inform them that we know they are out there and that attempts to mislead consumers are illegal," she said.

The settlement is designed to assure that the defendant's negative-option or "free" offers do not contain misrepresentations, and that they disclose all terms and conditions of the offers. The settlement establishes specific disclosure requirements in promotions for the defendant's "free credit report" offer.
Among other things, the defendant must clearly tell consumers that they will be charged unless they cancel within the trial period, and that the offer is not related to the free credit report program mandated by Congress.

The settlement requires redress for consumers who enrolled in Consumerinfo's credit monitoring program between 2000 and 2003, canceled the monitoring service and received a partial refund or filed a complaint about the charges for the service. Consumers who qualify for a refund should receive a notice from Consumerinfo by email or first class mail within the next few months. The FTC staff has released answers to frequently asked questions available at
www.ftc.gov/freereports to help Consumerinfo customers determine if theyre eligible for a refund. It also has established an information hotline for consumers to call for information on refunds. The phone number is (202) 326-3457.

In addition to the redress program, the settlement requires the defendant to pay $950,000 in ill-gotten gains to the Commission. The money may be used to provide consumer education.

The settlement also contains record-keeping and bookkeeping provisions to allow the FTC to monitor compliance with the order.

The FTC has published two consumer brochures: "Want a Free Annual Credit Report? The Only Official Website is annualcreditreport.com" warns consumers about imposter sites; "Your Access to Free Credit Reports," educates consumers about their right to a free copy of their credit reports, and discusses other consumer rights under the Fair Credit Reporting Act and the FACT Act. Both publications are available in English and Spanish at www.ftc.gov/freereports.
The Commission vote to authorize staff to file the complaint and stipulated final order was 3-0-1, with Chairman Deborah Platt Majoras recused. They were filed in the U.S. District Court for the Central District of California, in Santa Ana.

The complaint named Consumerinfo.com., Inc., doing business as Experian Consumer Direct, Qspace, Inc., and Iplace Inc. Consumerinfo.com is a wholly-owned subsidiary of Experian North America, which is also the parent company of Experian Information Services, one of the three national credit reporting companies.

This case was brought with the invaluable assistance of the office of
California Attorney General, Bill Lockyer. The agency also wishes to acknowledge the Electronic Privacy Information Center, which filed a complaint about Consumerinfo.com with the Commission, and the World Privacy Forum for reports it submitted to the agency on imposter sites.

NOTE: A stipulated final judgment and order is for settlement purposes only and does not constitute an admission by the defendant of a law violation. Stipulated final judgments have the force of law when signed by the judge. Copies of the complaint and consent agreement are available from the FTCs Web site at http://www.ftc.gov and also from the FTCs Consumer Response Center, Room 130, 600 Pennsylvania Avenue, N.W., Washington, D.C. 20580. The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot,
stop, and avoid them. To file a complaint in English or Spanish (bilingual counselors are available to take complaints), or to get free information on any of 150 consumer topics, call toll-free, 1-877-FTC-HELP (1-877-382-4357), or use the complaint form at http://www.ftc.gov. The FTC enters Internet, telemarketing, identity theft, and other fraud-related complaints into Consumer Sentinel, a
secure, online database available to hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.

Source: FTC Press Release
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New Post/Thread Notification: CHIT CHAT

2005-08-23T08:43:00.000-05:00

Hello,

Creditwrench has just posted in the CHIT CHAT forum of CreditWrench under the title of Something you didn't know or think about..

This thread is located at http://www.creditwrench.com/consumers/showthread.php?threadid=769

Here is the message that has just been posted:
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Wiretap the Internet? Not So Fast, Say Some (http://www.law.com/jsp/article.jsp?id=1124269510528)
The National Law Journal

The federal courts may soon face the first round in a battle over the Justice Department's demand that federal wiretapping requirements be extended to Internet services. The Center for Democracy & Technology, the Electronic Frontier Foundation and others are weighing whether to challenge an FCC requirement that VoIP services accommodate the taps in their designs and applications. Critics say the FCC decision is based on a flawed interpretation of a 1994 law.

That means that services such as Skype, Vonage and others have no technology in place to allow your calls on those services to be wiretapped. Safe communication with no possibility of government snoops being able to listen in on your every word.

And you can use voip in exactly the same way you do your local connection. Let's say you install Voip and disconnect your regular telephone service. You call up your fried acroxx town and tell him that you have a new phone number and it is xxx-xxxx so he dials the VOIP number just like he would any other number.

He never knows that it is a voip munber. The telephone solicitors can't get the number either. Google searches don't reveal your voip number either.

And you get all the bells and whistles the telephone company always charges big bucks for free. All the regular telephones and accessories work with voip the same way they did with the old services.

Sans government snoops.
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Winning against NAF and Arbitation

2005-08-23T08:41:00.000-05:00

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Seems that we are winning against NAF now on a fairly regular basis.

A phone call from a lady whom I shall call Katt seems to indicate that such may actually be the case. She was absolutely screaming her happiness over the fact that she had received a letter from NAF staying her arbitration case.

Katt is probably about the 4th or 5th such call I've received from students over the last couple of weeks and all saying pretty much the same. A few more and we might be able to claim that we have now found the key to winning against NAF and arbitration.

We have one student who is going into a court ordered mediation in a couple of days and of course we don't want to go for that either so I've told him what to say to get it back into regular court.

Court ordered mediation is a far different animal than is NAF and the like but that don't mean that the defendant has any greater chance there than they do before NAF.
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New Post/Thread Notification: Arbitration Forum

2005-08-23T08:40:00.000-05:00

IC 34-57-2
Chapter 2. Arbitration: Uniform Arbitration Act

IC 34-57-2-1
Written agreement to arbitrate; enforceability; exemptions from chapter
Sec. 1. (a) A written agreement to submit to arbitration is valid, and enforceable, an existing controversy or a controversy thereafter arising is valid and enforceable, except upon such grounds as exist at law or in equity for the revocation of any contract. If the parties to such an agreement stipulate in writing, the agreement may be enforced by designated third persons, who shall in such instances have the same rights as a party under this chapter. This chapter also applies to arbitration agreement between employers and employees or between their respective representatives (unless otherwise provided in the agreement).
(b) This chapter specifically exempts from its coverage all consumer leases, sales, and loan contracts, as these terms are defined in the Uniform Consumer Credit Code (IC 24-4.5).
As added by P.L.1-1998, SEC.53.

IC 34-57-2-2
Commencement of arbitration; procedure; tolling statute of limitations
Sec. 2. Arbitration shall be initiated by a written notice by either party, mailed by registered or certified mail, or delivered to the other party, briefly stating a claim, the grounds for the claim and the amount or amounts. Issues shall be joined by written notice of admissions or denials and any counterclaims or set-offs so mailed or delivered. The statutes of limitations ceases to run from the time of any notice of claim or counterclaim.
As added by P.L.1-1998, SEC.53.

IC 34-57-2-3
Order to commence arbitration; stay of arbitration proceedings; procedure
Sec. 3. (a) On application of a party showing an agreement described in section 1 of this chapter, and the opposing party's refusal to arbitrate, the court shall order the parties to proceed with arbitration. Ten (10) days notice in writing of the hearing of such application shall be served personally upon the party in default. If the opposing party denies the existence of the agreement to arbitrate, the court shall proceed summarily to the determination of the issue raised without further pleading and shall order arbitration if found for the moving party; otherwise, the application shall be denied.
(b) On application, the court may stay an arbitration proceeding commenced or threatened on a showing that there is no agreement to arbitrate. Ten (10) days notice in writing of the hearing of the application shall be served personally upon the party in default. Such an issue, when in substantial and bona fide dispute, shall be forthwith

summarily determined without further pleadings and the stay ordered if found for the moving party. If found for the opposing party, the court shall order the parties to proceed to arbitration.
(c) If an issue referable to arbitration under the alleged agreement is involved in an action or proceeding pending in a court having jurisdiction to hear applications under subsection (a), the application shall be made in that action or proceeding. Otherwise and subject to section 17 of this chapter, the application may be made in any court with jurisdiction.
(d) Any action or proceeding involving an issue subject to arbitration shall be stayed if an order for arbitration or an application for an order for arbitration has been made under this section (or IC 34-4-2-3 before its repeal), or, if the issue is severable, the stay may be with respect to the issue only. When the application is made in such an action or proceeding, the order for arbitration must include such a stay.
(e) An order for arbitration shall not be refused on the ground that the claim in issue lacks merit or bona fides or because any fault or grounds for the claim sought to be arbitrated have not been shown.
(f) If the court determines that there are other issues between the parties that are not subject to arbitration and that are the subject of a pending action or special proceeding between the parties and that a determination of such issues is likely to make the arbitration unnecessary, the court may delay its order to arbitrate until the determination of such other issues or until such earlier time as the court specifies.
(g) On application the court may stay an arbitration proceeding on a showing that the method of appointment of arbitrators is likely to or has resulted in the appointment of a majority of arbitrators who are partial or biased in some relevant respect. The court shall then appoint one (1) or more arbitrators as provided in section 4 of this chapter.
As added by P.L.1-1998, SEC.53.

IC 34-57-2-4
Appointment of arbitrators by agreement or by court
Sec. 4. If the arbitration agreement provides a method of appointment of arbitrators, this method shall be followed. In the absence of such an agreement, any method of appointment of arbitrators agreed upon by the parties to the contract shall be followed. When an arbitrator appointed fails or is unable to act, a successor shall be appointed in the same manner as the original appointment. If the method of appointment of arbitrators is not specified in the agreement and can not be agreed upon by the parties, or if agreed method fails or for any reason can not be followed, or if an arbitrator appointed fails or is unable to act and a successor has not been appointed within a reasonable time, the court on application of a party shall appoint one (1) or more arbitrators, who have all the powers of an arbitrator appointed according to the agreement.
As added by P.L.1-1998, SEC.53.

IC 34-57-2-5
Powers of arbitrators exercised by majority
Sec. 5. The powers of the arbitrators may be exercised by a majority unless otherwise provided by the agreement or by this chapter.
As added by P.L.1-1998, SEC.53.

IC 34-57-2-6
Hearings; time and place; notice; procedure
Sec. 6. Unless otherwise provided by the agreement:
(a) The arbitrators shall appoint a time and place for the hearing and cause notification to the parties to be served personally or by registered mail not less than thirty (30) days before the hearing. Appearance at the hearing waives such notice. The arbitrators may adjourn the hearing from time to time as necessary and, on request of a party and for good cause, or upon their own motion may postpone the hearing to a time not later than the date fixed by the agreement for making the award unless the parties consent to a later date. The arbitrators may hear and determine the controversy upon the evidence produced notwithstanding the failure of a party duly notified to appear. The court on application may direct the arbitrators to proceed promptly with the hearing and determination of the controversy. Any party may require that the hearing be recorded in a manner sufficient for appeal.
(b) The parties are entitled to be heard and to present any and all evidence material to the controversy regardless of its admissibility under judicial rules of evidence.
(c) The hearing shall be conducted by all the arbitrators but a majority may determine any question and render a final award. If, during the course of the hearing, an arbitrator for any reason ceases to act, the remaining neutral arbitrator or neutral arbitrators may continue with the hearing and determination of the controversy.
As added by P.L.1-1998, SEC.53.

IC 34-57-2-7
Right to representation by attorney
Sec. 7. A party is entitled to be represented by an attorney at any proceeding or hearing under this chapter. A waiver of the right to representation before the proceeding or hearing is ineffective.
As added by P.L.1-1998, SEC.53.
<> IC 34-57-2-8
Subpoenas for witnesses or documents; depositions; witness fees
Sec. 8. (a) The arbitrators may issue subpoenas for the attendance of witnesses and for the production of books, records, documents and other evidence, and have authority to administer oaths. In matters subject to arbitration between labor and management, neither party may subpoena or obtain an order for the production of the financial books, financial records, or documents pertaining to the income or financial condition of the other party. Subpoenas so issued shall be served, and upon application to the court by a party or the arbitrators, enforced, in manner provided by law for the service and enforcement of subpoenas in a civil action.
(b) On application of a party, the arbitrators may order the deposition of a witness to be taken for use as evidence, and not for discovery, if the witness can not be subpoenaed or is unable to attend the hearing. The deposition shall be taken in the manner prescribed by law for the taking of depositions in civil actions.
(c) All provisions of law compelling a person under subpoena to testify are applicable and enforceable upon application to the court.
(d) Fees for attendance as a witness are the same as for a witness in the superior court.
As added by P.L.1-1998, SEC.53.

IC 34-57-2-9
Award; form and copies
Sec. 9. (a) The award must be in writing and signed by the arbitrators concurring therein. It must include a determination of all the questions submitted to the arbitrators, the decision of which is necessary in order to determine the controversy. The arbitrators shall deliver a copy to each party personally or by registered mail, or as provided in the agreement.
(b) An award shall be made within the time fixed by the agreement or, if not fixed, or, if not agreed upon, within a reasonable time. The parties may extend the time in writing either before or after the expiration of the time. A party waives the objection that an award was not made within the time required unless the party notifies the arbitrators of his objection before service of a signed copy of the award on the party.
As added by P.L.1-1998, SEC.53.

IC 34-57-2-10
Modification or correction of award; procedure
Sec. 10. On written application of a party or, if an application to the court is pending under section 12, 13, or 14 of this chapter (or IC 34-4-2-12, IC 34-4-2-13, or IC 34-4-2-14 before their repeal), on submission to the arbitrators by the court under such conditions as the court may order, the arbitrators may modify or correct the award upon the grounds stated in section 14(a)(1) and 14(a)(3) of this chapter, or for the purpose of clarifying the award. The application shall be made within twenty (20) days after delivery of the award to the applicant. Written notice thereof shall be given forthwith to the opposing party, stating that the opposing party must serve his objections thereto, if any, within ten (10) days from the notice. The award so modified or corrected is subject to sections 12, 13, and 14 of this chapter.
As added by P.L.1-1998, SEC.53.

IC 34-57-2-11
Fees and expenses of arbitration

Sec. 11. The arbitrators' expenses and fees, together with other expenses, not including counsel fees, incurred in the conduct of the arbitration, shall be paid as provided in the award.
As added by P.L.1-1998, SEC.53.

IC 34-57-2-12
Confirmation of award by court
Sec. 12. Upon application of a party, but not before ninety (90) days after the mailing of a copy of the award to the parties, the court shall confirm an award, unless within the time limits hereinafter imposed grounds are urged for vacating or modifying or correcting the award, in which case the court shall proceed as provided in sections 13 and 14 of this chapter. Upon confirmation, the court shall enter a judgment consistent with the award and cause such entry to be docketed as if rendered in an action in the court.
As added by P.L.1-1998, SEC.53.
IC 34-57-2-13
Vacation of award by court; procedure
Sec. 13. (a) Upon application of a party, the court shall vacate an award where:
(1) the award was procured by corruption or fraud;
(2) there was evident partiality by an arbitrator appointed as a neutral or corruption in any of the arbitrators or misconduct prejudicing the rights of any party;
(3) the arbitrators exceeded their powers and the award can not be corrected without affecting the merits of the decision upon the controversy submitted;
(4) the arbitrators refused to postpone the hearing upon sufficient cause being shown therefor or refused to hear evidence material to the controversy or otherwise so conducted the hearing, contrary to the provisions of section 6 of this chapter, as to prejudice substantially the rights of a party; or
(5) there was no arbitration agreement and the issue was not adversely determined in proceedings under section 3 of this chapter (or IC 34-4-2-3 before its repeal), and the party did not participate in the arbitration hearing without raising the objection;
but the fact that the relief was such that it could not or would not be granted by a court of law or equity is not ground for vacating or refusing to confirm the award.
(b) An application under this section shall be made within ninety (90) days after the mailing of a copy of the award to the applicant, except that, if predicated upon corruption or fraud or other undue means, it shall be made within ninety (90) days after such grounds are known or should have been known.
(c) In vacating the award on grounds other than stated in subsection (a)(5), the court may order a rehearing before new arbitrators chosen as provided in the agreement, or in the absence thereof, by the court in accordance with section 4 of this chapter, or,

if the award is vacated on grounds set forth in subsection (a)(3) or (a)(4), the court may order a rehearing before the arbitrators who made the award or their successors appointed in accordance with section 4 of this chapter. The time within which the agreement requires the award to be made is applicable to the rehearing and commences from the date of the order.
(d) If the application to vacate is denied and no motion to modify or correct the award is pending, the court shall confirm the award.
As added by P.L.1-1998, SEC.53.

IC 34-57-2-14
Modification or correction of award by court; procedure
Sec. 14. (a) Upon application made within ninety (90) days after mailing of a copy of the award to the applicant, the court shall modify or correct the award where:
(1) there was an evident miscalculation of figures or an evident mistake in the description of any person, thing, or property referred to in the award;
(2) the arbitrators have awarded upon a matter not submitted to them and the award may be corrected without affecting the merits of the decision upon the issues submitted; or
(3) the award is imperfect in a matter of form, not affecting the merits of the controversy.
(b) If the application is granted, the court shall modify and correct the award so as to effect its intent and shall confirm the award as so modified and corrected. Otherwise, the court shall confirm the award as made.
(c) An application to modify or correct an award may be joined in the alternative with an application to vacate the award.
As added by P.L.1-1998, SEC.53.
IC 34-57-2-15
Entry of judgment or decree confirming, modifying, or correcting award; costs
Sec. 15. Upon the granting of an order confirming, modifying, or correcting an award, judgment, or decree shall be entered in conformity therewith and be enforced as any other judgment or decree. Costs of the application and of the proceedings subsequent thereto, and disbursements may be awarded by the court.
As added by P.L.1-1998, SEC.53.

IC 34-57-2-16
Applications to court
Sec. 16. Except as otherwise provided, an application to the court under this chapter shall be by motion and shall be heard in the manner and upon the notice provided by law or rule of court for the making and hearing of motions. Unless the parties have agreed otherwise, notice of an initial application for an order shall be served in the manner provided by law for the service of a summons in civil cases.

<hr align="left" size="2" width="100%">
As added by P.L.1-1998, SEC.53.
IC 34-57-2-17
"Court" defined; jurisdiction
Sec. 17. The term "court" means any circuit or superior court. The making of an agreement described in section 1 of this chapter providing for arbitration in <st1:State><st1:place>Indiana</st1:place></st1:State> confers jurisdiction on the court to enforce the agreement under and to enter judgment on an award thereunder.
As added by P.L.1-1998, SEC.53.

IC 34-57-2-18
Application; proper court
Sec. 18. An application, as provided for in section 3(a) of this chapter, shall be made to the court in the county where the adverse party resides or has a place of business or, if the adverse party has no residence or place of business in this state, to the court of any county. All subsequent applications shall be made to the court hearing the initial application unless the court otherwise directs.
As added by P.L.1-1998, SEC.53.
IC 34-57-2-19
Appeals authorized; procedure
Sec. 19. (a) An appeal may be taken from:
(1) an order denying an application to compel arbitration made under section 3 of this chapter (or IC 34-4-2-3 before its repeal);
(2) an order granting an application to stay arbitration made under section 3(b) of this chapter (or IC 34-4-2-3(b) before its repeal);
(3) an order confirming or denying confirmation of an award;
(4) an order modifying or correcting an award;
(5) an order vacating an award without directing a rehearing; or
(6) a judgment or decree entered pursuant to the provisions of this chapter (or IC 34-4-2 before its repeal).
(b) The appeal shall be taken in the manner and to the same extent as from orders or judgments in a civil action.
As added by P.L.1-1998, SEC.53.

IC 34-57-2-20
Applicability of chapter
Sec. 20. This chapter applies only to agreements made after <st1:date month="8" day="18" year="1969">August 18, 1969</st1:date>.
As added by P.L.1-1998, SEC.53.

IC 34-57-2-21
Construction of chapter
Sec. 21. This chapter shall be so construed as to effectuate its general purpose to make uniform the law of those states which enact similar arbitration statutes.
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New Post/Thread Notification: Credit repair discussions

2005-08-15T23:51:00.000-05:00

Hello,

Creditwrench has just posted in the Credit repair discussions forum of CreditWrench under the title of Foreclosed & Lates.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?threadid=761

Here is the message that has just been posted:
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What should I do about an account that is listed on my report as Foreclosed/120days past due? Do I have any leverage with that for a delete? What you probably need to be more worried about it the probability that they will sue you. The credit repair end of it isn't what's important. That can be taken care of more or less automatically. But if you aren't well prepared for the upcoming lawsuit then when it hits you will have some really bad problems and no realistic way to fight them off. You will then have to learn an awful lot in a very, very short period of time.
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2005-08-15T06:07:00.000-05:00

OK, Dr. Weatherly.
Having been a choirpractor for 33 years most assuredly does give you the right to use the title of "Dr." whereever you go. So does having a doctorate in any subject of study.

And so now I'll add just a bit to that education because it is not only you but lots more folks who don't know what a blog is.

Blogs have been around since about 1998 or so. The first of them was one known as blogger as it still is today altough it was bought out by Google about a year ago. That made blogs an instant hit with everybody. At first blogging was tremendously difficult since the coding was not at all standard and still isn't today. Then they added what is known as a wysiwyg editor. Wysiwyg simply translates into "What You See Is What You Get" meaning that as you type it is automatically converted into code just like it is here. Some such editors are extremely versitile and others are almost brain dead and have very limited capability.

Blogs are often described as being personal diaries because anyone can write about anything they want. There are untold millions of blogs on the internet today and while the majority of them are written by kids talking about school work or dating or parties they went too and just plain people in different lands talking about friends or family or life in their country or whatever. But since Google bought out Blogger
the major corporations are now getting into blogging big time. The first real use of Blogging by major corporations was probably the media during the recent invasion of Iraq.

If you followed the news back then as most of us did you were probably pretty quick to pick up on the fact that the coverage was done by what was called "embedded reporters" who were right there with the troops on the front lines. They had laptops and were connected to their newsrooms by satellite and we got to see what war was like first hand. It was almost as if we were there in person. Photos were done with digital cameras and so could be uploaded almost instantly.

Then big business began to get into the act and now all of the big players are into blogging one way or another. Sometimes it's done by some big executive and sometimes by some company employee. GM, Ford and most of the auto makers are into to it and that isn't even the tip of the iceberg. I started my blog several years ago but the coding was so hard to do that I didn't do any actual blogging until they came out with their new editor. That wss in the early part of 3003 if I remember right and I started doing something with mine in May of that year. Now I've got over 50 Blogs scattered all over the internet. They cover a wide range of topics. Just after blogger got easy to work with they also implemented what is known as RSS or Really Simple Syndication which is a language all of it's own. Then Google came out with what is known as API keys and together they actually feed the blog to the search engines and are used in what is known as aggregators. Now RSS is also being used in what is known as PODCASTING and VLOGS. Podcasting is audio broadcasting and VLOGS are blogs which have a lot of video on them.
Then they came along with the MP3 players such as the IPAQ by Apple and many more.

People are buying them by the millions because they can download music into their IPAQ and listen to music on the go. They can also plug them into their car stereos and listen to the music on their stereos. Now we have regular podcasting stations just like radio stations. Advertisers are picking up on that and they are putting out the music, commentaries and what have you interspersed with advertising just like you hear on regular AM or FM radio.

Blogs that deal with interesting subjects, have lots of fresh new content every day and lots of links are what the search engines are looking for and if your blog has good content and lots of links both coming and going then the search engine "spiders" will come crawling very frequently. If your blog talks about your high school football team or your latest drinking party or your latest and greatest date it will never make the search engines. Most of mine have lots of traffic and lots of content because I am always posting new articles and have lots of links.

Of course, most of those here probably have visited the j-accuse blog and some have visited my Creditwrench Blog but I also have one which deals with news coming out of the Oklahoma State Legislature. The media relations departments of the Oklahoma State House of Representatives and the Oklahoma State Senate constantly send me all their press releases and I post most of them to the blog at http://magnacartanews.blogspot.com so that gets a lot of activity.

I also have one at and the debt collectors really hate that one What I have to say about them on that blog isn't real complimentary to say the least. Probably about the most complimentary thing I have to say about debt collectors is that if they had a brain they might be a bit dangerous.

So go check out the blogs and see what they are all about. Then you may see why they are so important. What it might take a long time to figure out on your own is that in today's business world you must have a web site and you must hae a blog that talks about your business or you just might not be in business for all that much longer. It is just that simple and those business people who don't realize that are going to have an increasingly tough time staying in business as all their competition jump onto the bandwagon.

New Post/Thread Notification: Credit repair discussions

2005-08-14T08:24:00.000-05:00

Hello,

Creditwrench has just posted in the Credit repair discussions forum of CreditWrench under the title of 3 old late CC payments killing me. Help!.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?threadid=757

Here is the message that has just been posted:
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Me, angry?! nah, you all are doing us schmucks a great service. My wife is the one who made the late payment when she was not well, not me, but I am stuck with it..... I would not be the least bit surprised to learn that your wife probably could name one or more ways in which she is stuck with things you did or didn't do as well. Nothing new there.
Life's like that. (LOL)

Well, it dropped my credit score by 27 points, so since I need to refi now as my adjustable rate mortgage just went from 5.9 to 9%...major ouch..... Seems like a major out but there is a way to reduce that bite and that is to look at your score a year or two down the road and as soon as it increases refinance the house.

If you have not signed the mortgage yet then now is the time to look into the mortgage and be sure you don't get stuck with a non-judicial foreclosure type of mortgage, additional fees if you do refinance, pay off early and ect. Make sure you get disability insurance that will pay off the mortgage in the event you bounce off a speeding freight train, stub your toe while leaping tall buildings and end up splattered all over the pavement or some other mishap occurs so that you are disabled or meet an early and untimely demise.

See whether there are arbitration clauses in the contract or not. Make sure you understand the terms of the contract and if you can't understand the legalese in the contract then pay an attorney to check those things out for you.

Prepare yourself now for possible failure later on. You will be very glad that you did. Then when your score improves in a year or two you can refinance. at a much better rate.

If that one late charge is the only negative you have on your score then you might think about using the 3 bank trick to improve your score.
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New Post/Thread Notification: Credit repair discussions

2005-08-14T08:23:00.000-05:00

Hello,

DaveBis has just posted in the Credit repair discussions forum of CreditWrench under the title of 3 old late CC payments killing me. Help!.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?threadid=757

Here is the message that has just been posted:
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One one particular credit card I had 3.5 late payments consecutively about 3 year ago. Those REALLY killed my fico score.

I was having the Mrs do the bookkeeping, and she was not well and overmedicated...and she justt lost track....

The minimal payments were only around $75 per month, so it is not like I didn't have the $....

Right now my middle score is 589....CreditInform tells me that two credit cards which have average balances on them of 6K, both near the limit are hurting me...they say if I reduce them just below 50% of maximum balance, that it will raise my score around 20-30 points....but...I would love to get it just above 670, the better rate threshold for a home refinance.

At 589 FICO on a stated income no points loan, these people want 8.2% interest rates! They're insane!

The credit cards with the 3 late consecutive payments is Chase Manhattan....

I need some advice on how I can tackle that with form letters, plots and strategies.....wish I could just hire someone to deal with all this...but, here I am......

Thanks folks!
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New Post/Thread Notification: Credit repair discussions

2005-08-14T02:03:00.000-05:00

http://www.creditwrench.com/consumers/showthread.php?threadid=757
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At the risk of greatly angering you, yes, I do have a generic letter that should be used in all cases.

The letter should be the copy of the payment slip they sent you well in advance of the payment due date accompanied by a check of at least twice the amount of the minimum payment and should be religiously repeated every month. But then you already knew that, didn't you? (LOL)

The next best generic letter after the damage has already been done is to simply dispute the debt with the credit bureau claiming "never late" and hope that the credit card company will get tired of answering the same demand for verification and just ignore it and it will fall off.

Or the CRA will get tired of the same old demand for verification and refuse to let you keep on filing that complaint.

Truth is that you were late and the report is accurate, true and correct.
It won't mean much in a year or two so you may just have to wait until it quits getting reported.
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Credit repair discussions

2005-08-14T01:07:00.000-05:00

http://www.creditwrench.com/consumers/showthread.php?threadid=754
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The law is very clear on this matter. If they deleated it once and you have proof of that. They must send you a notice within five days if they re-inserted if not they are in violation of FCRA.. If they have done this several time each time is a seperate violation Answer: talk to them on that basis one time ask them where the notice is they are suppose to send when they re-insert within 5 days. If they do not cooperate Take'm to FED court and I assure you it will come off your report pretty damn quick.. Of course you have to know how to proceed and that is what Creditwrench teaches you!! Here's the law section of FCRA that applies: In green
§ 611. Procedure in case of disputed accuracy [15 U.S.C. § 1681i]

(a) Reinvestigations of disputed information.

(1) Reinvestigation required.

(A) In general. If the completeness or accuracy of any item of information contained in a consumer's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph (5), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer.

(B) Extension of period to reinvestigate. Except as provided in subparagraph (C), the 30-day period described in subparagraph (A) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation.

(C) Limitations on extension of period to reinvestigate. Subparagraph (B) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph (A), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information cannot be verified.

(2) Prompt notice of dispute to furnisher of information.

(A) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer in accordance with paragraph (1), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer. </DD><DD>(B) Provision of other information from consumer. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer after the period referred to in subparagraph (A) and before the end of the period referred to in paragraph (1)(A). </DD><DD>(3) Determination that dispute is frivolous or irrelevant. </DD></DL><DIR>(A) In general. Notwithstanding paragraph (1), a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.(B) Notice of determination. Upon making any determination in accordance with subparagraph (A) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.(C) Contents of notice. A notice under subparagraph (B) shall include (i) the reasons for the determination under subparagraph (A); and(ii) identification of any information required to investigate the disputed information, which may consist of a standardized form describing the general nature of such information. <DL><DD>(4) Consideration of consumer information. In conducting any reinvestigation under paragraph (1) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph (1)(A) with respect to such disputed information. </DD><DD>(5) Treatment of inaccurate or unverifiable information. </DD></DL>(A) In general. If, after any reinvestigation under paragraph (1) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or cannot be verified, the consumer reporting agency shall promptly delete that item of information from the consumer's file or modify that item of information, as appropriate, based on the results of the reinvestigation.(B) Requirements relating to reinsertion of previously deleted material. (i) Certification of accuracy of information. If any information is deleted from a consumer's file pursuant to subparagraph (A), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.(ii) Notice to consumer. If any information that has been deleted from a consumer's file pursuant to subparagraph (A) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.(iii) Additional information. As part of, or in addition to, the notice under clause (ii), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion (I) a statement that the disputed information has been reinserted;(II) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information; and(III) a notice that the consumer has the right to add a statement to the consumer's file disputing the accuracy or completeness of the disputed information.(C) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph (other than information that is reinserted in accordance with subparagraph (B)(i)).(D) Automated reinvestigation system. Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumer's file to other such consumer reporting agencies.</DIR><DL><DD>(6) Notice of results of reinvestigation. </DD></DL>(A) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.(B) Contents. As part of, or in addition to, the notice under subparagraph (A), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph (A) (i) a statement that the reinvestigation is completed;(ii) a consumer report that is based upon the consumer's file as that file is revised as a result of the reinvestigation;(iii) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available;(iv) a notice that the consumer has the right to add a statement to the consumer's file disputing the accuracy or completeness of the information; and(v) a notice that the consumer has the right to request under subsection (d) that the consumer reporting agency furnish notifications under that subsection.

I have been in an argument with Trans Union because I disputed a TL and they deleted it. They are the only CRA it was on and they sent me a corrected report when they deleted it. Then I pulled a report from True Credit and MYFICO and it was listed under Trans Union. I called TU and they assured me it was no longer reporting and I called back several times and ended up supposedly speaking with a manager and he told me it was definately not being reported anymore so I told him to send me a copy of my report so I could see for myself and Lo and Behold..... There it is! Got any ideas what I should do?
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Credit repair discussions

2005-08-12T19:44:00.000-05:00

This discussion is located here

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Yes, they often do want that information and it does pose some problems.

Here is how I recommend providing them with that info with the least amount of mailing costs and exposure risks involved.

Go to a copy shop and get a clean sheet of paper, maybe even out of the waste basket. Then fold it in half and crease it then fold it in half again. That will effectively divide the sheet into 4 parts without leaving any marks that will show up on the copier.

Next place your driver's license and SS card in the middle of the upper left hand quadrant as measured by the blank sheet you have doubled up. Use that as an actual backing. Since you will be putting the DL and SS card face down on the copier you can move them around a bit after they are under the paper.

Next set the copier for a 200% blowup and the lightest possible contrast.

Then shoot some copies so you have enough for future use too.

You will immediately see that the cards will be centered in the middle of the resultant 81/2 by 11 copies coming out of the machine.

The copies are easy to read and will save a sheet of paper in your mailing envelope.

Also go see your attorney and have him prepare a letter on his stationary stating where you live and how long you have lived there. Have him notarize it and then get some copies of that. Doing that eliminates the need for copies of all your utility bills, credit card statements and what have you that you might otherwise send them. No personal information is revealed using the letter from an attorney method. They want to argue about that let them call up your attorney and argue with him about that.

(LOL)
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New Post/Thread Notification: CreditWrench IRS TAX FORUM

2005-08-12T17:33:00.000-05:00

Hello,

Creditwrench has just posted in the CreditWrench IRS TAX FORUM forum of CreditWrench under the title of Subject: Larken Rose Trial - Day 3.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?threadid=752

Here is the message that has just been posted:
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Larken Rose Trial

Day 3

Wednesday, August 10, 2005

9:10 AM we started with a nearly full court room, with 38 supporters of Larkin,
9 IRS agents or court clerk and staff and 2 reporters present.

First thing was the testimony of Witness Donald Pearlman the Special Agent of
the IRS who investigated who in the middle (September) of 2000 had Larken's
case, which was previously under civil investigation and then another agent was
looking at it to see if there were any tax violations by Larken.

He [Witness Donald Pearlman] felt that a search warrant was needed due to the
fact that key evidence might be destroyed, if it hadn't already been done, as
items of income and expense and, as a result, two (2) search warrants were
issued, for his home and Dr. Clayton in Texas.

At Larken's place many items were seized, such as: large number of financial
documents, issues related to tax law and documents, e-mails, hard copy
documents, audio and video recordings. The vast majorities of computer
evidence were copied off of his computers, rather than physically taking them
away.

As a result, he contacted a number of banks and that of the payers of income to
Larken, so that they could establish his income, by original documents. He
requested checks and other documents from Chase Bank. One of the checks is an
over $2,300 check issued to the IRS which on the memo says "abolish the IRS."

With the Raid, they found a letter from a U.S. Senator to another individual
that states that the 861 argument is false. Another document was from another
U.S. Senator, to another individual that essentially states that, the 861
argument, is incorrect. Another document was from a U.S. Senator of Larken's,
which has an answer of the Congressional Research Service, which states that
861 of the code does NOT exempt the income of U.S. Citizens.

Another letter is from anther U.S. Senator that stated that the 861 argument is
false. A constituent of Senator Tom Daschle, says the same thing. A letter
from IRS to another individual states the proper application of the 861
document and another example that notice was given to Larken about the error of
his argument.

Another letter was by Congressman Porter Goss [now the head of the CIA, Ed.]
stating that the 861 argument is false. Another one is from Carl Levin of
Michigan to another one, stating the same. Another was from Senator Kate
Hutchinson to Dr. Tom Clayton, stating that Section 61 makes ALL income
taxable.

Another document is a letter from Congressman Jeff Blame of Arizona to anther
individual that contains a brochure called "The Truth About Frivolous Tax
Arguments". This document specifically states that Section 861 of the code is
a "frivolous argument" and is only to make sure that NO one is double taxed in
U.S. and a foreign country.

Now the Government went over the E-mails that they got from his computer:

An E-mail between Dr. Clayton and Larken. Larken in this e-mail states that he
is "obsessed" with the IRS, since they take such a large amount of his taxes
from him. In another e-mail he states that he started his battle after his
living budget became very tight.

In another e-mail of Larken to Dr. Clayton states that for many people it is
hard to believe that their own government has become a bunch of extortionists'
fraud. In another e-mail between these two, Larken states that, "nothing can
give anyone the power to rule me." In some e-mails Larken used profanities to
describe the IRS or Government.

In another e-mail he calls the IRS an extortionist organization and, "the only
check against the IRS is a million people with guns, standing up to the IRS"
next e-mail stated that he will not stop until the IRS is buried in the history
books. In next e-mail Larken says: "It is time for trial by fire" "IRS agents",
"I will use any dirty trick, scheme or lie that I could make up."

At the raid, Larken said many things to him at the time of the raid. Larken
said that he was able to pay off his home mortgage early by "good budgeting and
not getting robbed." To this agent, that meant not paying income taxes.

Larken said that he got letters from the IRS that his 861 argument is wrong and
he did not feel that they are binding. He said that he would not change his
mind if a jury or judge said that he was wrong. The judge did NOT allow the
tape of this agent and Larken to be played to the jury

Cross examination by Larken started at 10:15 AM.

Agent found nothing deceptive by Larken besides NOT reporting his income and
admitted receipt of compensation for services. Larken interfered with the
administration of the tax laws by operating his web sites. Larken called IRS
agent criminals and providing guidance for people to not file income taxes.

Larken had asked his web site followers to ask their Congressmen and Senators
about the 861 issue and to send those responses to him.

At 10:55 AM, we took a break and resumed at 11:12 AM. The IRS seized over
10,000 e-mails on the raid. Agent Pearlman reviewed hundreds of the e-mails.
Various IRS agents for content reviewed over 1,000 of these e-mails.

Larken had Agent Pearlman go over and/or read the other parts of these e-mails,
to put the quotation from these e-mail IN CONTEXT by reading additional parts
of these mails. Of course, Pearlman was evasive in his answers and would not
easily answer the simple "Yes" or "No" answers that Larken asked him.

At 12 noon, Special Agent Pearlman's testimony is over. A former IRS agent told
us Agent Pearlman was ONLY testifying in a way they were trained to do and that
he came across as though he learned his training well. When it was to his
advantage, he expressed himself with good memory and completeness. When it was
to his disadvantage, he would hedge and ask questions and be evasive. It was
annoying to hear his testimony.

At 12:22 PM, the next witness, Maureen MacDormett, who is an IRS Revenue Agent
took the stand. She examined some of the documents that were seized in the
raid of Larken Rose's home. She was a summary witness. A summary Witness's
job is to add up all the evidence that the government has produced (Pay stubs,
1099, checks, bank records, witness testimony) to add it all up and figure out
how much income the person (in this case, Larken) made, in during the years in
question.

It is difficult to listen to this because it is all evidence that Larken has
admitted to and this witness's testimony is so repetitive of admitted evidence
that just drags on and on unnecessarily. An example is asking her for a
definition of the "medical transcription business" when this was done with a
prior witness, Art Thompson. Also asking for the methodology of arriving at the
income was repeated. This tends to make slow go even slower!

At 2:15 PM, we returned from lunch and Judge Baylson gave a discourse to the
jury about the Bell case letting them know this case was NOT directly relevant
to Larken's willfulness to file case.

Larken's defense begins with his standby counsel Larry Becraft, questioning the
first witness, Larken Rose. Starting with general background questions. More
supporters of Larken have come since this morning. The number of his present
supporters is now up to 56 people, with 9 IRS agents present and two reporters.
The courtroom is almost full now.

Why did he not file? He had never seen the law before. Starting sometime in
1997 he began looking at and researching the law and became convinced it was a
mistake and would be wrong to sign and file a return.

During the years through 1996 they filed and paid income taxes.

In 1997 he first began hearing different views about the income tax. He looked
into many and found out they were NOT valid. How did he look into them? On
the internet he was able to look up the law and found the flaws in them. In
1997 they were both working long hours and made about $40,000 and taking
$10,000 of that for taxes. This motivated him to look into this.

In middle of 1997 he looked at the IRS Code and regulations and the 861 issue on
Federal Government's web site, after he read an article by Thurston Bell. After
reading the current IRS codes and regulations, eventually he got interested in
the roots of the law and its history. Larken felt that by understanding the
seed, hopefully he would better understand the tree.

Then he went to the actual law libraries (not online) so that he could find the
old tax laws. He wanted to confirm or refute the accuracy of Thurston Bell's
Article. The indexes of the Code lead him to Section 861 about the sources of
income.

#1: The first regulations he read was that of 1939 about the "Meaning of
Income."

#2: Then he looked at the regulation on "exclusions to income." These two (2)
regulations helped him develop the belief that there IS income that is excluded
because of the Constitutional limitations on government power.

Exhibit #3: Next he read the 1924 Income Tax Regulation (Article 71) which also
stated that there is "some income" that is excluded from taxation due to the
fundamental law. Then he looked at the Black's law dictionary for a term that
says:

". . .when law apply to a specific issue, it necessarily excludes others not
mentioned."

Then in the 1917 Gould decision, he understood that government can NOT tax you
beyond what the law allows and if there is any doubt, it MUST be ruled in favor
of the citizen.

#7: Exhibit says that "not only Congress has the power to tax, but the power to
regulate commerce," which means Congress can tax foreign commerce.

#11: An IRS regulation came across it in Bell's article in 1997.

#12 ??? ??? ??? ??? ??? ??? ??? ???
??? ??? ???

Section 1 and 61 regulations and index tell you to go to Section 861 for a
determination of what is taxable or not.

#17: 1040 Income Tax Form says that we must report our foreign source income,
but does NOT mention domestic source income.

The first report on his research, written in 1998, was only twelve (12) pages
long and by 2000 had grown to sixty (60) pages. He met Dr. Thomas Calyton in
2000 and Thomas Clayton told him that they should have their own web site
www.taxableincome.net (http://www.taxableincome.net/) .

Judge ruled that tomorrow Larken can show at least five (5) minutes of his
video, WITHOUT sound, but not at the same moment that he is talking about it.
We finished today at 4:30 PM.

Yours in truth, freedom and justice,

Peymon, Ross, Harry and Ken</pre>
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New Post/Thread Notification: Credit repair discussions

2005-08-11T08:34:00.000-05:00

Hello,

Creditwrench has just posted in the Credit repair discussions forum of CreditWrench under the title of Validation of Debt.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?threadid=750

Here is the message that has just been posted:
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Is there a special (or good) way to word the letter to the debtor (or does one send it to the Credit Bureau) when one is attempting to validate a debt ?
You seem to be really confused on stuff. First of all the debtor does not normally send a letter to the debtor. You are the debtor. There are very rare instances when you might want to do that.

Credit Bureaus do not ever validate the debt. They only verify the listing they have and that is a much lower standard than is validation.
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New Post/Thread Notification: Credit repair discussions

2005-08-11T01:15:00.001-05:00

Hello,

Creditwrench has just posted in the Credit repair discussions forum of CreditWrench under the title of Validation of Debt.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?threadid=750

Here is the message that has just been posted:
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When one asks for validation of debt what you are saying is "Hey, wait a minute, I'm not sure this debt is mine and I want you to prove it." Pitfalls? Personally I can't think of any. Maybe the Wrench will know of some.
Well, I think I have to disagree with you just a wee bit on that statement.
You are not wrong in what you said but I think it goes a whole lot furthr than that.

Not only are you saying that you want them to prove it is your debt but also to provide all the informaton that you will need to avail yourself of your right to dispute the debt or any portion thereof.

Anything less than that would obviously be a denial of your right to dipute the debt or any portion thereof.

That's the way I see it.
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New Post/Thread Notification: Credit repair discussions

2005-08-11T01:15:00.000-05:00

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That is an excellent question. Your formal education in understanding just what that means should begin here: http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm You can scroll down to section 809, but you really should familiarize yourself with the entire Act.

When one asks for validation of debt what you are saying is "Hey, wait a minute, I'm not sure this debt is mine and I want you to prove it." Pitfalls? Personally I can't think of any. Maybe the Wrench will know of some.
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New Post/Thread Notification: CreditWrench

2005-08-10T21:20:00.000-05:00

Hello,

Creditwrench has just posted in the CreditWrench forum of CreditWrench under the title of A case against Capitol One.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?threadid=749

Here is the message that has just been posted:
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<hr noshade="noshade"> <center>California Anti-SLAPP Project

</center> <hr noshade="noshade"> <center>Yu et al. v. Signet Bank/Virginia et al.

Cite as: 103 Cal.App.4th 298, 126 Cal.Rptr.2d 516

WILLIAM YU et al., Plaintiffs and Respondents
v.
SIGNET BANK/VIRGINIA et al., Defendants and Appellants

WILLIAM YU et al., Plaintiffs and Appellants
v.
SIGNET BANK/VIRGINIA et al., Defendants and Respondents

Court of Appeal, First District, Division 4

A094519, A095102

Filed October 30, 2002

(Appeal from Alameda County Superior Court, H-184674-8, Honorable Barbara J. Miller, J.)

</center>
COUNSEL:

For Defendants/Appellants (A094519): Morrison & Foerster, James F. McCabe, Gregory P. Dresser, James R. McGuire.

For Plaintiffs/Respondents: The Sturdevant Law Firm, James C. Sturdevant, Mark T. Johnson, Law Office of William E. Kennedy, William E. Kennedy.

For Plaintiffs/Appellants (A095102): The Sturdevant Law Firm, James C. Sturdevant, Law Office of William E. Kennedy, William E. Kennedy.

For Defendants/Respondents: Morrison & Foerster, James F. McCabe, Gregory P. Dresser, James R. McGuire.

OPINION:

In Yu v. Signet Bank/Virginia (1999) 69 Cal.App.4th 1377 (Yu I), we reversed a summary judgment entered for defendants Signet Bank/Virginia and Capital One Bank (collectively Banks) on causes of action in the second amended complaint of plaintiffs William and Darlene Yu for abuse of process, and unlawful and unfair business practice (Bus. & Prof. Code, § 17200). In the present appeal by the Yus (A095102), we reverse the judgment entered for Banks on these causes of action after their demurrer to the third amended complaint was sustained without leave to amend. In Banks' appeal (A094519), we affirm the order denying their motion to strike the action under the anti-SLAPP (strategic lawsuit against public participation) statute (Code Civ. Proc., § 425.16; hereafter § 425.16).

<center>I. BACKGROUND</center> A. Our Prior Decision

As described in Yu I, this lawsuit seeks to redress an improper debt collection practice of Virginia banks against California residents. The Yus accepted a credit card from Signet in 1989, used it to make purchases, and defaulted on repayments. Signet sued them on the debt in Virginia in 1994, obtained a default judgment, and served a "garnishment summons" on a Virginia office of William Yu's employer, with directions that it be forwarded to his place of employment in California. Mr. Yu's wages were garnished from November 1994 to May 1995 to satisfy the judgment. The Yus had no contact with Virginia other than their credit card with Signet.

The Yus filed this class action suit against Signet and its successor, Capital One, alleging that Banks' "long-arm program" of pursuing collection actions in Virginia against California credit card holders constituted "distant forum abuse," the practice of collecting consumer obligations by suing debtors in distant locations to deprive them of the opportunity to defend themselves. (Yu I, supra, 69 Cal.App.4th at p. 1389, citing Chen, Due Process as Consumer Protection: State Remedies for Distant Forum Abuse (1986) 20 Akron L.Rev. 9, 10-13.) Distant forum abuse is "unconscionable" (Barquis v. Merchants Collection Assn. (1972) 7 Cal.3d 94, 107, 101 Cal. Rptr. 745, 496 P.2d 817) and "insidious" (Chen, supra, 20 Akron L. Rev. at p. 15) conduct employing "an ostensibly legitimate legal process to deprive consumers of basic opportunities which should be afforded all litigants" (ibid). "Misuse of the courts in this manner contributes to an undermining of confidence in the judiciary by reinforcing the unfortunate image of courts as 'distant' entities, available only to wealthy or large interests," and leads consumers "to conclude that the legal system is merely a 'rubber stamp' for the improper practices utilized by predatory agencies." (Barquis v. Merchants Collection Assn., supra, at p. 108.) Thus, "courts have a strong interest in ensuring that [such] abuses of the legal process by collection agencies are not perpetuated." (Ibid.)

The Yus asserted causes of action for violations of due process and of California debt collection statutes, for intentional and negligent infliction of emotional distress, and for abuse of process and unlawful business practice. Judgment was entered for Banks after their motion for summary judgment was granted. In Yu I, we reversed the judgment on the abuse of process and unlawful business practice claims, concluding that there were triable issues as to those claims under our Supreme Court's decision in the Barquis case.

To quote from our opinion in Yu I, Barquis v. Merchants Collection Assn., supra, 7 Cal.3d at p. 98, "held that a creditor who files consumer debt collection actions in an improper venue, knowing that the venue is improper, for the purpose of impairing the debtors' ability to defend themselves, is guilty of 'a gross "abuse of process"' and an '"unlawful . . . business practice"' within the meaning of what is now Business and Professions Code section 17200. In support of this conclusion, the court observed that the venue rules for relatively small claims stemmed from 'recognition of the serious potential for harassment that arises if a plaintiff, in a small monetary action, commences his action in a distant forum. . . . Defendants in such cases will often be financially unable to expend the money to travel to a distant forum, or to hire an attorney to do so, even simply to move for a change of venue. Without the protection of [the venue statute], a plaintiff, aware of these practical limitations, could exploit the situation by filing all such actions in distant counties where a defendant could not afford either to defend or to move for change of venue, and could thereby unfairly obtain default judgments or favorable settlements in such actions.' (7 Cal.3d at p. 118.) [P] The practice of 'distant forum abuse' [citation] alleged in [the Yus'] case is even worse than the one condemned in Barquis, because the practice there involved suits in the wrong venue within California, whereas the practice here involves suits in the wrong jurisdiction -- the even more distant forum of another state." (Yu I, supra, 69 Cal.App.4th at p. 1389.)

We held that the Yus' claims and supporting evidence "raised triable issues of fact concerning knowledge and intent [under Barquis's standards] which cannot be resolved on a motion for summary judgment." (Yu I, supra, 69 Cal.App.4th at p. 1390.) We concluded that the Virginia courts did not have personal jurisdiction over the Yus, and reasoned, in view of a 1990 Georgia decision against Signet on the same issue and facts, that Banks could be found to have been aware of this problem with their "long-arm program" before they used the program against the Yus. (Yu I, supra, at pp. 1384-1388, 1390, citing Signet Bank/Virginia v. Tillis (1990) 196 Ga.App. 433, 396 S.E.2d 54.) Further evidence of culpable knowledge and intent included Banks' exemption of "people in the limelight, celebrities, attorneys" from the long-arm program. (Yu I at pp. 1382, 1390.) A Capital One officer had testified that suing out-of-state attorneys was viewed as a "bad business decision," and that celebrities were exempted because "'we didn't want to expose the company to any press because we hadn't done everything we needed to do.'" (Id. at p. 1382.) This evidence, which has been likened to "wearing a sign that says, 'Sue me' " (Jaworski, Subprime Lending Under Siege In The Courts -- A Summary Of Illustrative Cases (2001) 55 Consumer Fin. L.Q.Rep. 70, 72 [commenting on Yu I]), along with evidence that Banks "obtained assembly-line default judgments as a regular business practice" through their long-arm program (Chen, supra, 20 Akron L. Rev. at p. 15 [describing the "ideal scenario" for a creditor practicing distant forum abuse]; Yu I, supra, at pp. 1382, 1390 [ninety percent of Banks' long-arm suits resulted in default judgments]), precluded entry of summary judgment for Banks consistent with the decision in Barquis.

We rejected Banks' contention that Barquis was distinguishable because the Yus' default was obtained in compliance with Virginia law. (Yu I, supra, 69 Cal.App.4th at pp. 1390-1391 [noting that no Virginia appellate court had ever purported to authorize "long-arm" jurisdiction over out-of-state consumers for debt collection purposes].) We also rejected Banks' various arguments as to why Barquis could not be applied to their conduct. The summary judgment was based largely on the theory that Virginia courts had personal jurisdiction over the Yus, and we explained why that theory was incorrect. We pointed out the Yus' lack of minimum contacts with Virginia, and rejected Banks' claim that we could not properly inquire into the Virginia court's jurisdiction. (Id. at pp. 1384-1388.) We also rejected Banks' related arguments that, notwithstanding Barquis: (1) no abuse of process could be found because California cannot regulate out-of-state conduct that was lawful where it occurred; (2) principles of sovereignty and comity precluded imposition of liability based on a sister state judgment; and (3) inquiry into the validity of the Virginia judgment could not be used to award any relief apart from refusal to enforce the judgment. (Id. at pp. 1391-1393.) We ultimately concluded "that Barquis's holding can be applied to [Banks'] conduct, even though the distant [forum] abuse occurred in another state and involved the procuring of a foreign judgment." (Id. at p. 1394.)

[b]B. Subsequent Proceedings

When the case returned to the trial court after Banks' petitions to the California Supreme Court for review and to the United States Supreme Court for certiorari were denied, Banks moved for judgment on the pleadings. Banks argued that Barquis was wrongly decided insofar as it would subject them to liability for abuse of process, and that their conduct was privileged, under the litigation privilege (Civ. Code, § 47, subd. (b)(2)) and the First Amendment. Capital One argued separately that the Yus had no claim against it for abuse of process because it was not involved in obtaining the Virginia default judgment and garnishment summons against the Yus. The Yus opposed the motion on the ground, among others, that Banks' arguments were barred by our decision in Yu I under the doctrine of the law of the case. The court granted the motion, with leave to amend to allege facts showing that: (1) the Yus "had no contacts with Virginia beyond acceptance of the credit card solicitation"; and (2) Banks executed on the default judgment "without a good faith belief that there existed any additional bases for personal jurisdiction beyond the acceptance of the credit card solicitation."

The Yus filed a third amended complaint that added allegations pertaining to Virginia jurisdiction as required by the court's order. They also added an allegation acknowledging that Ms. Yu had accepted a secured credit card from Signet in addition to the unsecured credit card that became the subject of the collection action. They deleted allegations relating to the causes of action on which summary judgment for Banks had been granted. They left unchanged the allegations of abuse of process and unfair business practice.

Banks then filed a demurrer to the third amended complaint, reasserting the same arguments they had advanced in their motion for judgment on the pleadings. Capital One demurred separately to the cause of action for abuse of process, making the same argument it had raised in the motion for judgment on the pleadings. Banks also filed a special motion to strike the third amended complaint under the anti-SLAPP law. The court sustained Banks' demurrer without leave to amend, and denied the anti-SLAPP motion as well as the Capital One demurrer as moot.

The court determined that the Yus could not state a cause of action for abuse of process or, alternatively, that Banks' conduct was immunized by the litigation privilege, and explained its reasoning in a statement of decision. Since it was "obvious" that "it is not wrongful to litigate an action absent personal jurisdiction," the court concluded that there was no abuse of process, and "absent sufficient allegations of misuse of process, actions in pursuing and executing upon the underlying judgment appeared to be exactly the type of acts protected by the litigation privilege." The court found that dismissal of the abuse of process claim disposed of the unfair business practice claim. The court acknowledged that Yu I set forth the "law of the case" and that Yu I had cited the Barquis decision "for the general proposition that bringing suit in a distant forum could constitute tortious conduct." However, the court thought that Barquis was distinguishable and that Barquis was in any event "limited to its facts."

<center>[b]II. YUS' APPEAL (A095102)</center> A. Law of the Case

The Yus contend that they have stated viable abuse of process and unlawful business practice causes of action under the Barquis decision, and that the trial court's conclusions to the contrary violated the law of the case established in Yu I.

Under the law of the case doctrine, "'the decision of an appellate court, stating a rule of law necessary to the decision of the case, conclusively establishes that rule and makes it determinative of the rights of the same parties in any subsequent retrial or appeal in the same case.'" (Nally v. Grace Community Church (1988) 47 Cal.3d 278, 301, 253 Cal. Rptr. 97, 763 P.2d 948.) The doctrine applies to decisions of intermediate appellate courts as well as courts of last resort. (People v. Shuey (1975) 13 Cal.3d 835, 841, 120 Cal. Rptr. 83, 533 P.2d 211.) The doctrine promotes finality by preventing relitigation of issues previously decided. (George Arakelian Farms, Inc. v. Agricultural Labor Relations Bd. (1989) 49 Cal.3d 1279, 1291; Searle v. Allstate Life Ins. Co. (1985) 38 Cal.3d 425, 434, 212 Cal. Rptr. 466, 696 P.2d 1308; see also People v. Stanley (1995) 10 Cal.4th 764, 786, 897 P.2d 481). The doctrine does not apply to points of law that might have been determined, but were not decided in the prior appeal. (Nally v. Grace Community Church, supra, 47 Cal.3d at p. 302.) However, the doctrine does extend to questions that were implicitly determined because they were essential to the prior decision. (Estate of Horman (1971) 5 Cal.3d 62, 73, 95 Cal. Rptr. 433, 485 P.2d 785; 9 Witkin, Cal. Procedure (4th ed. 1997) Appeal, § 913, pp. 948-950 and authorities cited.) The doctrine is one of procedure rather than jurisdiction, and can be disregarded in exceptional circumstances. (Searle v. Allstate Life Ins. Co., supra, at p. 435.) "The principal ground for making an exception to the doctrine of law of the case is an intervening or contemporaneous change in the law." (Clemente v. State of California (1985) 40 Cal.3d 202, 212, 219 Cal. Rptr. 445, 707 P.2d 818.) The doctrine can also be disregarded to avoid an unjust decision. (People v. Shuey, supra, 13 Cal.3d at p. 846.) For the "unjust decision" exception to apply, "there must at least be demonstrated a manifest misapplication of existing principles resulting in substantial injustice." (Ibid.)

In Yu I, we held that Barquis was not distinguishable from the Yus' case and that, under Barquis's standards, there were triable issues as to Banks' knowledge and intent that precluded summary judgment against the Yus on their abuse of process claim. (Yu I, supra, 69 Cal.App.4th at pp. 1389, 1390.) We thereby necessarily determined that the Yus had stated a cause of action for abuse of process, and that Barquis remained good law. Under the principles set forth in the preceding paragraph, those explicit and implicit conclusions of law established the law of the case, and could be reexamined only as required to account for changes in the law after Yu I, or to avoid an injustice. Since neither of those exceptions to the law of the case doctrine is applicable, the trial court's decision is untenable.

The trial court cited Donohue v. State of California (1986) 178 Cal. App. 3d 795, 224 Cal. Rptr. 57, to justify its departure from Yu I. The Donohue decision did not involve the law of the case doctrine; it simply noted that denial of a summary judgment motion did not necessarily preclude a later judgment on the pleadings. (Id. at pp. 801-802.) Failure to state a cause of action is an issue that can generally be raised at any time (5 Witkin, Cal. Procedure (4th ed. 1997) Pleading, §§ 911, 954, pp. 370-371, 410-411), but that ability may be circumscribed by the law of the case. Once an appellate court has determined a point of law in the action, arguments inconsistent with that determination cannot be entertained unless an exception to the law of the case doctrine is applicable.

Banks' arguments in support of their demurrer are inconsistent with our opinion in Yu I because they rest on the proposition that Barquis was wrongly decided. Banks maintain that Barquis was mistaken insofar as it indicated that the filing of a complaint could be an abuse of process. Alternatively, Banks contend that their collection action was absolutely privileged under the litigation privilege or the First Amendment; if either of these privileges applies, then no form of distant forum abuse would be actionable, not even the intrastate variety addressed in Barquis. Since Yu I necessarily concluded that Barquis remains good law, these new arguments were contrary to the law of the case. [FN 1]

<dl> <dd> [FN 1] There is authority that only the United States Supreme Court can establish the law of the case on federal constitutional and statutory issues. (9 Witkin, Cal. Procedure, supra, Appeal, § 896, p. 931.) This proposition is based entirely on the following passage in Atchison etc. Ry. Co. v. Railroad Com. (1930) 209 Cal. 460, 472, 288 P. 775: "The doctrine of the 'law of the case' applies only to the decisions of the highest court on the particular issue under consideration. Where this issue involves the construction of the Constitution or statutes of the United States, the highest court is the Supreme Court of the United States, and, hence, the doctrine of the 'law of the case' does not apply to a decision of the state Supreme Court." This portion of the Atchison opinion has not been followed in any subsequent case, and has been effectively overruled in subsequent decisions. The idea that only the "highest court" can create law of the case cannot be squared with the precedents indicating that the doctrine applies to decisions of intermediate appellate courts (e.g., Searle v. Allstate Life Ins. Co., supra, 38 Cal.3d at p. 434; People v. Shuey, supra, 13 Cal.3d at p. 841), and it is apparent under People v. Stanley, supra, 10 Cal.4th 764, that our decisions can establish law of the case as to federal questions, even those of constitutional dimension (id. at pp. 786-790 [Court of Appeal's determination of Fourth Amendment issues was law of the case]). In Atchison, our Supreme Court departed from an earlier decision in the case because the United States Supreme Court had announced a new rule in the interim; Atchison thus falls within the exception to the law of the case doctrine for subsequent changes in the law. </dd> </dl> Banks' new arguments are not based on developments in the law after Yu I. The abuse of process and litigation privilege arguments are grounded on Oren Royal Oaks Venture v. Greenberg, Bernhard, Weiss & Karma, Inc. (1986) 42 Cal.3d 1157, 232 Cal. Rptr. 567, 728 P.2d 1202, Silberg v. Anderson (1990) 50 Cal.3d 205, 266 Cal. Rptr. 638, 786 P.2d 365, Pacific Gas & Elec. Co. v. Bear Stearns & Co. (1990) 50 Cal.3d 1118, 270 Cal. Rptr. 1, 791 P.2d 587, and Rubin v. Green (1993) 4 Cal.4th 1187, 847 P.2d 1044, a series of precedents which according to Banks has so "eroded" Barquis that Barquis must now be "disregarded." Banks' First Amendment claim is likewise predicated on various pre-Yu I precedents. Accordingly, the new arguments do not fall within the subsequent-developments exception to the law of the case doctrine. The "unjust decision" exception to the doctrine is also inapplicable. To address Banks' new arguments at length would defeat the doctrine's principal purpose (Searle v. Allstate Life Ins. Co., supra, 38 Cal.3d at p. 435 [promotion of judicial economy]), but we would observe that none of the new cases Banks now cite are directly on point. The new cases do not involve distant forum abuse, and do not establish that it was a "manifest misapplication of existing principles" to recognize a cause of action for that abuse in Yu I. (People v. Shuey, supra, 13 Cal.3d at p. 846.) Banks contend that the filing of a lawsuit cannot be an abuse of process, but Barquis is a recognized exception to that general rule. (Com. to BAJI No. 7.71 (9th ed. 2002) p. 269.) The Barquis court explained why distant forum abuse "amounts to a tortious abuse of process" (Barquis v. Merchants Collection Ass'n., supra, 7 Cal.3d at pp. 103-104), noting the "broad reach" of this tort, which had "evolved as a 'catch-all' category to cover improper uses of the judicial machinery" that do not constitute malicious prosecution (id. at p. 104, fn. 4). Nor are we persuaded by any of Banks' authorities, which do not remotely consider the question, that creditors have a First Amendment right or other privilege to commit distant forum abuse.

Banks observe that the law of the case doctrine does not extend to issues that might have been, but were not, raised in a prior appeal -- an oblique acknowledgement that the new arguments could have been asserted in Yu I. However, the issue -- whether the Yus have a cause of action for abuse of process under Barquis -- is the same as before; Banks have simply refined their arguments as to that issue. In Yu I we were told that Barquis could not be applied because the distant forum abuse in this case involved a foreign judgment and conduct in another state; now we are told that Barquis cannot be applied because, for various reasons, it is a dead letter even in California.

Banks maintain that they are free to advance the new arguments because we did not previously address them in Yu I, but if that were true, then Banks could raise their arguments in piecemeal fashion and endlessly relitigate Barquis's applicability. After asserting in a first appeal that Barquis's application would violate principles of sister-state sovereignty, Banks could assert in a second appeal that Barquis's application would be precluded by the litigation privilege, and assert in a third appeal that Barquis's application would be inconsistent with the First Amendment, and so on. "Fortunately, fundamental rules of appellate review are specifically designed to preclude the possibility of this type of multiple litigation of the same issue." (People v. Shuey, supra, 13 Cal.3d at p. 841 [discussing the law of the case doctrine].) Litigants are not free to continually reinvent their position on legal issues that have been resolved against them by an appellate court. "It would be absurd that a party who has chosen not to argue a point on a first appeal should stand better as regards the law of the case than one who had argued and lost." (Fogel v. Chestnutt (2d Cir. 1981) 668 F.2d 100, 109.)

Banks suggest that they may raise their new arguments because our unqualified partial reversal in Yu I -- as opposed to a partial reversal with directions--left the case "at large" for further proceedings, including any challenge to the legal sufficiency of the Yus' remaining claims. However, the law of the case doctrine applies following a general remand. (Note, Law of the Case (1953) 5 Stan. L.Rev. 751, 755.)

Therefore, we reiterate what we decided in Yu I: the Yus have a cause of action under Barquis for abuse of process based on Banks' practice of distant forum abuse. Since the dismissal of the unfair business practice claim as well as the abuse of process claim was based on the trial court's conclusion to the contrary, the judgment as to both causes of action must be reversed.

B. Capital One's Demurrer

Capital One contends that the judgment in its favor can be sustained on the alternative theory advanced in its separate demurrer: that although it participated in the long-arm program as Signet's successor, it was not involved in any abuse of process against the Yus. Since this argument does not depend on Barquis's invalidity, and it was not explicitly or implicitly addressed in Yu I, it is not barred by the law of the case. The argument is nevertheless unsupported by the record. According to the third amended complaint, Mr. Yu's wages were garnished from November 1994 to May 1995, and Capital One took over the long-arm program from Signet in November 1994. The complaint thus effectively alleges that Capital One took and received all, or substantially all, of the recovery generated by the collection action. Consequently, Capital One was not entitled to judgment on the ground that it did not participate in the abuse of process against the Yus.

<center>III. BANKS' APPEAL (A094519)</center> A. Preliminary Issues

Banks contend that the trial court erred in denying, as moot, their motion to strike the third amended complaint under the anti-SLAPP law when it sustained their demurrer to that complaint without leave to amend. Banks argue that the sustaining of the demurrer did not obviate the motion to strike because they would have been entitled to attorney's fees and costs if the motion succeeded. (§ 425.16, subd. (c); see Pfeiffer Venice Properties v. Bernard (2002) 101 Cal.App.4th 211, 218-219; Liu v. Moore (1999) 69 Cal.App.4th 745, 748.) Entirely apart from that argument, the motion to strike is not moot in view of our reversal of the ruling on the demurrer. Thus, the rationale for denial of the motion is no longer viable.

Banks request that we rule on the motion, rather than returning it to the trial court to determine in the first instance. The Yus do not object to this request, and the parties' positions on the motion have been fully briefed herein. Having been asked to rule by the party who would tend to benefit from further delay, we will address the anti-SLAPP issues to expedite the ultimate resolution of the case.

The Yus' threshold argument against the anti-SLAPP motion is that it should be denied as untimely. The statute provides that the motion "may be filed within 60 days of the service of the complaint or, in the court's discretion, at any later time upon terms it deems proper" (§ 425.16, subd. (f)), and states that the word "'complaint' includes 'cross-complaint' and 'petition'" (§ 425.16, subd. (h)). Banks' motion was filed years after the case commenced, but within 60 days of service of the third amended complaint. The Yus contend that the term "complaint" in the statute does not include an amended complaint, and thus that the motion could not be filed, without leave of the court, more than 60 days after service of the original complaint.

In support of this construction, the Yus cite history of the 1997 legislation that amended section 425.16 by, among other things, adding subdivision (h) indicating that "complaint" includes "cross-complaint" and "petition." (Stats. 1997, ch. 271, § 1, No. 4 Deering's Adv. Legis. Service, p. 1289.) The bill as originally introduced had provided for the addition of the following italicized language to subdivision (f) stating that an anti-SLAPP motion "may be filed within 60 days of the service of the complaint or any amended or supplemental complaint or, in the court's discretion, at any later time upon terms it deems proper." (Sen. Bill. No. 12.96 (1997 Reg. Sess.) Feb. 28, 1997.) The italicized language was not included in the bill as enacted. (Stats. 1997, ch. 271, § 1, No. 4 Deering's Adv. Legis. Service, p. 1289.) The Yus submit that deletion of this language demonstrates that the term "complaint" should not be construed to include "amended complaint." (See, e.g., Rich v. State Board of Optometry (1965) 235 Cal. App. 2d 591, 607, 45 Cal. Rptr. 512.) They further contend, pointing to the late stage in the case at which Banks' motion was filed, that allowance of an anti-SLAPP motion as a matter of right following service of an amended complaint would be inconsistent with "the statutory design 'to prevent SLAPPs by ending them early.'" (Equilon Enterprises v. Consumer Cause, Inc. (2002) 29 Cal.4th 53, 65.)

The Yus' position is contrary to the reported cases that have considered the issue. Globetrotter Software v. Elan Computer Group (N.D.Cal. 1999) 63 F. Supp. 2d 1127, 1129, concluded, in view of the statutory admonition that the anti-SLAPP law be broadly construed (§ 425.16, subd. (a)), that the 60-day period for filing the motion runs from service of the most recent amended complaint, rather than the original complaint. Lam v. Ngo (2001) 91 Cal.App.4th 832, 840-842, reached the same conclusion, pointing out among other things that if the statute were construed as the Yus urge, a plaintiff might attempt to circumvent the anti-SLAPP law by waiting until an amended complaint to assert its SLAPP allegations. (See also DuPont Merck Pharmaceutical Co. v. Superior Court (2000) 78 Cal.App.4th 562, 565.)

In addition to the persuasive considerations cited in these cases, we note that the record herein points up another problem with the Yus' interpretation. It appears that the original complaint in this case was never served; a first amended complaint was filed shortly after the original one, and it was evidently the first to be served. In this situation, it is unclear under the Yus' construction when Banks would have been entitled as a matter of right to file their motion.

As for the legislative history cited by the Yus, since there are other statutes in the Code of Civil Procedure where the term "complaint" implicitly encompasses "amended complaint" (e.g., Code Civ. Proc., §§ 422.10, 430.10, 431.30, 435, 438), the Legislature may have decided that it would have been superfluous to refer to amended complaints in section 425.16, subdivisions (f) or (h). That reference might also have been regarded as unnecessary in view of the bill's other provision directing that the anti-SLAPP statute be broadly construed. (Stats. 1997, ch. 271, § 1, No. 4 Deering's Adv. Legis. Service, p. 1288.) Thus, we are unable to read as much into the bill's amendment as the Yus advocate, and will adhere to the precedents on the timeliness issue.

Admittedly, this is not a case where an anti-SLAPP motion was promptly made to counter SLAPP allegations first added to an amended pleading. Banks could have filed their motion at the outset of the case and, like the arguments in their demurrer to the third amended complaint, their anti-SLAPP theory seems to have been an afterthought. Banks' opportunity to belatedly raise that theory arose as a matter of right only because the Yus were required to file a third amended complaint, which deleted many more allegations than it added, and added nothing that implicated the anti-SLAPP law. We nevertheless conclude, for the reasons set forth above, that Banks' motion was timely because it was filed within 60 days of service of the third amended complaint.

<center> <hr noshade="noshade"> <center>California Anti-SLAPP Project

</center> <hr noshade="noshade"> <center>Yu et al. v. Signet Bank/Virginia et al. (concluded)

</center>
B. Merits of the Motion

(1) The Two-Pronged Test

Section 425.16, subdivision (b)(1) provides that "[a] cause of action against a person arising from any act of that person in furtherance of the person's right of petition or free speech under the United States or California Constitution in connection with a public issue shall be subject to a special motion to strike, unless the court determines that the plaintiff has established that there is a probability that the plaintiff will prevail on the claim." Section 425.16, subdivision (e) sets forth four categories of "acts in furtherance of a person's right of petition or free speech," including: "(1) any written or oral statement or writing made before a legislative, executive, or judicial proceeding, or any other official proceeding authorized by law; (2) any written or oral statement or writing made in connection with an issue under consideration or review by a legislative, executive or judicial body, or any other official proceeding authorized by law . . . ."

Ruling on an anti-SLAPP motion is "a two-step process. First, the court decides whether the defendant has made a threshold showing that the challenged cause of action is one arising from protected activity. The moving defendant's burden is to demonstrate that the act or acts of which the plaintiff complains were taken 'in furtherance of the [defendant]'s right of petition or free speech under the United States or California Constitution in connection with a public issue,' as defined in the statute. (§ 425.16, subd. (b)(1).) If the court finds such a showing has been made, it then determines whether the plaintiff has demonstrated a probability of prevailing on the claim. Under section 425.16, subdivision (b)(2), the trial court in making these determinations considers 'the pleadings, and supporting and opposing affidavits stating the facts upon which the liability or defense is based.'" (Equilon Enterprises v. Consumer Cause, Inc., supra, 29 Cal.4th at p. 67.)

(2) Arising From Protected Activity

The Yus contend that their case does not arise from protected activity because Banks cannot show that the action was brought with the intent to chill their exercise of constitutional speech or petition rights. However, our Supreme Court has recently ruled in Equilon Enterprises v. Consumer Cause, Inc., supra, 29 Cal.4th at pp. 57, 59, that there is no such "intent-to-chill proof requirement." To satisfy the "arising from" test, it need only be "demonstrated that the defendant's conduct by which plaintiff claims to have been injured falls within one of the four categories described in [section 425.16,] subdivision (e)." (Id. at p. 66.) "'From that fact the court may [effectively] presume the purpose of the action was to chill the defendant's exercise of First Amendment rights.'" (Id. at p. 61.)

"The statutory phrase 'cause of action . . . arising from' means simply that the defendant's act underlying the plaintiff's cause of action must itself have been an act in furtherance of the right of petition or free speech. [Citations.] In the anti-SLAPP context, the critical point is whether the plaintiff's cause of action itself was based on an act in furtherance of the defendant's right of petition or free speech. [Citations.] 'A defendant meets this burden by demonstrating that the act underlying the plaintiff's cause fits one of the categories spelled out in section 425.16, subdivision (e).'" (City of Cotati v. Cashman (2002) 29 Cal.4th 69, 78.)

It is ironic that a lawsuit challenging distant forum abuse -- a practice calculated to prevent the Yus' "public participation" in the collection action against them -- should itself meet the threshold definition of a SLAPP suit, but that is the result under the anti-SLAPP statute. Since the Yus' case is based entirely on the collection action Banks filed against them, we conclude that it satisfies the "arising from" standard. "It is well established that filing a lawsuit is an exercise of a party's constitutional right of petition." (Chavez v. Mendoza (2001) 94 Cal.App.4th 1083, 1087.) "A claim for relief filed in . . . court indisputably is a 'statement or writing made before a . . . judicial proceeding' [under] (§ 425.16, subd. (e)(1))." (Navellier v. Sletten (2002) 29 Cal.4th 82, 90.)

This conclusion does not imply that the distant forum abuse alleged by the Yus was a valid exercise of Banks' constitutional rights. The lawfulness of the defendant's petitioning activity is generally not at issue in the "arising from" prong of the anti-SLAPP inquiry; [FN 2] that question is ordinarily addressed in the second, "minimal merit" prong of the inquiry relative to the plaintiff's probability of success on the merits. "'The Legislature did not intend that in order to invoke the special motion to strike the defendant must first establish her actions are constitutionally protected under the First Amendment as a matter of law.'" (Navellier v. Sletten, supra, 29 Cal.4th at pp. 94-95.) "That the Legislature expressed a concern in the statute's preamble with lawsuits that chill valid exercise of First Amendment rights does not mean that a court may read a separate proof-of-validity requirement into the operative sections of the statute. [Citations.] Rather, any 'claimed illegitimacy of the defendant's acts is an issue which the plaintiff must raise and support in the context of the discharge of the plaintiff's [secondary] burden to provide a prima facie showing of the merits of the plaintiff's case.'" (Id. at p. 94.)

<dl> <dd> [FN 2] It is not argued that the illegality of Banks' petitioning activity has been effectively conceded, or conclusively established by the evidence. (See Governor Gray Davis Committee v. American Taxpayers Alliance (2002) 102 Cal. App. 4th 449, 459; Paul for Council v. Hanyecz (2001) 85 Cal.App.4th 1356, 1367, disapproved on another point in Equilon Enterprises v. Consumer Cause, Inc., supra, 29 Cal.4th at p. 68, fn. 5.) </dd> </dl>
(3) Probability Of Success

(a) Standards To Be Applied

"In order to establish a probability of prevailing on the claim (§ 425.16, subd. (b)(1), a plaintiff responding to an anti-SLAPP motion must '"state[] and substantiate[] a legally sufficient claim."' [Citations.] Put another way, the plaintiff 'must demonstrate that the complaint is both legally sufficient and supported by a sufficient prima facie showing of facts to sustain a favorable judgment if the evidence submitted by the plaintiff is credited.' [Citations.] In deciding the question of potential merit, the trial court considers the pleadings and evidentiary submission of both the plaintiff and the defendant (§ 425.16, subd. (b)(2); though the court does not weigh the credibility or comparative probative strength of competing evidence, it should grant the motion if, as a matter of law, the defendant's evidence supporting the motion defeats the plaintiff's attempt to establish evidentiary support for the claim." (Wilson v. Parker, Covert & Chidester (2002) 28 Cal.4th 811, 821.) Thus, a plaintiff's burden as to the second prong of the anti-SLAPP test is akin to that of a party opposing a motion for summary judgment. (Kyle v. Carmon (1999) 71 Cal.App.4th 901, 907-908.) The causes of action need only be shown to have "minimal merit." (Navellier v. Sletten, supra, 29 Cal.4th at p. 89.)

(b) Conclusion

In Yu I, we held that Banks were not entitled to summary judgment on the Yus' abuse of process and unfair business practice claims. Here, we likewise conclude that these claims have sufficient potential merit to withstand Banks' anti-SLAPP motion.

Banks' principal arguments in their anti-SLAPP motion are the same as those in their demurrer: that the Yus have no cause of action for abuse of process under post-Barquis precedents, or that, notwithstanding Barquis, distant forum abuse is protected by the First Amendment or the litigation privilege. Our previous discussion of the law of the case has disposed of these arguments. Our prior discussion has also disposed of Capital One's contention, advanced in the anti-SLAPP motion as well as Capital One's separate demurrer, that it cannot be held liable because it was not involved in any abuse of process against the Yus.

(d) Jurisdiction

Banks argue that the Yus have no viable claims because they cannot demonstrate that Virginia lacked personal jurisdiction over them. In Yu I, we concluded that the Yus' case hinged on the fact that they were not subject to personal jurisdiction in the Virginia court where their default judgment was taken. (Yu I, supra, 69 Cal.App.4th at pp. 1384-1385.) We explained why such jurisdiction was lacking on the record presented in Yu I, where it appeared that the Yus had no contact with Virginia other than one Signet credit card. (Id. at pp. 1386-1388.) It has since been confirmed that the Yus had a second Signet credit card, a secured card that required them to maintain a bank account in Virginia. Banks contend that this second credit card and related bank account distinguish the situation considered in Yu I, and provide the minimum contacts required to subject the Yus to personal jurisdiction in Virginia.

Assuming that Yu I is no longer the law of the case on the jurisdictional issue in view of these new facts (Nollan v. California Coastal Com. (1986) 177 Cal. App. 3d 719, 724-725, 223 Cal. Rptr. 28, rev'd. on other grounds in Nollan v. California Coastal Com'n (1987) 483 U.S. 825, 97 L. Ed. 2d 677, 107 S. Ct. 3141 [doctrine is inapplicable if record is changed in any substantial respect]), the new facts nevertheless do not alter our prior conclusion that Virginia had no personal jurisdiction over the Yus. Although the Yus had two Signet credit cards instead of one, as well as a bank account in Virginia as required for the secured card, they still cannot be deemed to have "'"purposefully directed" [their] activities at residents of the forum'" . . . "'"such that they should reasonably [have] anticipated being haled into court there."'" (Yu I, supra, at p. 1387, quoting Burger King Corp. v. Rudzewicz (1985) 471 U.S. 462, 472, 474, 85 L. Ed. 2d 528, 105 S. Ct. 2174.)

To conclude that the consumer transactions between the Yus and Signet made the Yus amenable to personal jurisdiction in Virginia would be inconsistent with the United States Supreme Court's decision in the Burger King case. As noted in Yu I, Burger King "'emphasized that jurisdiction may not be grounded on a contract . . . whose application would render litigation "so gravely difficult and inconvenient that [a party] will for all practical purposes be deprived of his day in court.". . . Jurisdictional rules may not be employed against small consumers so as to "cripple their defense.". . . Just as the Due Process Clause allows flexibility in ensuring that commercial actors are not effectively "judgment proof" for the consequences of obligations they voluntarily assume in other States, . . . so too does it prevent rules that would unfairly enable them to obtain default judgments against unwitting customers. . . . [The] court must not be "'blind'" to what "'all others can see and understand.'". . . .'" (Yu I, supra, 69 Cal.App.4th at p. 1388, quoting Burger King Corp. v. Rudzewicz, supra, 471 U.S. at p. 486.)

Accordingly, we reiterate our holding in Yu I, taking into account the new facts, as follows: "[The Yus] are plainly in the class of 'unwitting customers' the Burger King court sought to protect. They had no relationship with Virginia other than [through] their credit cards, and it was fundamentally unfair to expect them to travel thousands of miles to litigate matters concerning their account." (Yu I, supra, 69 Cal.App.4th at p. 1388.) We may presume that Banks had recourse against the Yus' Virginia bank account, but that does not mean the Yus were subject to personal jurisdiction in that state. (See 2 Witkin, Cal. Procedure (4th ed. 1996) Jurisdiction, § 237, pp. 798-799 [describing quasi in rem actions].) The jurisdictional issue, even given the new facts, is not a close one.

Banks submit that a contrary conclusion is required under the Virginia Supreme Court's recent decision in Glumina Bank D.D. v. D.C. Diamond Corp. (Va. 2000) 259 Va. 312, 527 S.E.2d 775, where a foreign bank was held subject to personal jurisdiction in Virginia under a provision of the state's long-arm statute for "'causes of action for action arising from the person's . . . contracting to supply services or things in this Commonwealth'" (id. at p. 777). This authority is inapposite because the Yus did not contract to supply any goods or services in Virginia, and the jurisdictional issue is a matter of federal due process, not Virginia law, in any event.

(e) Damages

Banks contend that the Yus cannot prove that they suffered any damages as a result of Banks' conduct. This argument does not apply to the unfair business practice claim (Cel-Tech Communications, Inc. v. Los Angeles Cellular Telephone Co. (1999) 20 Cal.4th 163, 170, 973 P.2d 527 [damages are not recoverable on that cause of action]), and does not defeat the cause of action for abuse of process.

Banks maintain, based on the following deposition testimony of Mrs. Yu, that the Yus have admitted that they owed all amounts collected from them in the Virginia action: "Q. And to this day, as you sit here in your deposition, do you have any feeling that you paid money to Signet that you and your husband didn't owe on a legitimate credit card debt? [P] [Yus' counsel]: Objection, calls for a legal conclusion. [P] A. We will pay them, but they took it from us forcefully. They just took any amount they wanted. [P] Q. I understand that you and your husband don't like the way that the money was taken from you. But what I'm asking is whether you think that Signet was not owed the money that you paid them. [P] [Yus' counsel]: Objection, vague and ambiguous. [P] A. Yes, we will pay them because we owe them the money. [P] Q. And what I'm asking you is that -- you have paid them money through the garnishing of your husband's wages; correct? [P] A. Correct. [P] Q. And what I'm asking is whether that money that you paid was owed to Signet. [P] [Yus' counsel]: Objection, calls for a legal conclusion. [P] A. Correct. [P] Q. It was owed to Signet. [P] [Yus' counsel]: Same objection. [P] A. Yes."

For a number of reasons, this testimony cannot be taken as a conclusive admission that the Yus suffered no compensatory damages. First, there is no suggestion that Mrs. Yu was given any breakdown of the amount Banks collected; she was simply being asked whether she disputed the debt. According to other evidence in the record, $3,944.95 was garnished from Mr. Yu's wages. This figure is itemized as follows in the "garnishment summons" that was served on Mr. Yu's employer: $2,191.38 judgment principal; $1,672.57 interest; $48 judgment costs; and $33 garnishment costs. Even if the principal and interest specified in the summons were indisputably owed, additional "judgment" and "garnishment" costs associated with the abusive process, and disputed under the Yus' theory of the case, were also collected. It thus appears that the Yus suffered at least some small amount of economic damages.

Second, in addition to their economic damages, the Yus can seek damages for emotional distress. "Emotional distress is also an accepted item of damage that may be recovered in actions for abuse of process." (Thing v. La Chusa (1989) 48 Cal.3d 644, 649, 257 Cal. Rptr. 865, 771 P.2d 814.) Banks contend that we decided in Yu I that the Yus cannot recover emotional distress damages because we affirmed the judgment for Banks on the Yus' causes of action for intentional and negligent infliction of emotional distress. In Yu I, we held that Banks' conduct was not sufficiently "outrageous" to support a cause of action for intentional infliction of emotional distress (Yu I, supra, 69 Cal.App.4th at pp. 1397-1398), and that the Yus had no cause of action for negligent infliction of emotional distress because they had suffered no physical injuries (id. at p. 1397).

These holdings are not, as Banks would have it, law of the case prohibiting the Yus from recovery of emotional distress damages for abuse of process. As explained above, a point does not become the law of the case unless it was actually or implicitly decided in a prior appeal. (People v. Shuey, supra, 13 Cal.3d at p. 842; Estate of Horman, supra, 5 Cal.3d at p. 73.) Since damages for abuse of process were not at issue in Yu I, nothing in that opinion can be taken to suggest, contrary to established law, that those damages may not include recovery for emotional distress. (Thing v. La Chusa, supra, 48 Cal.3d at p. 649.) The lack of physical injury and the absence of outrageous conduct noted in Yu I do not bear on the abuse of process claim because neither factor is an element of that cause of action. (See BAJI No. 7.70 (9th ed. 2002).) That Banks' acts were not so extremely uncivilized as to support a claim that they were undertaken for the specific purpose of distressing the Yus (see Yu I, supra, 69 Cal.App.4th at p. 1398) does not mean the Yus cannot recover for distress they suffered as a byproduct of the abuse of process.

Third, the Yus' actual damages will entitle them to punitive damages if their allegations of malice or oppression are credited. (Civ. Code, § 3294, subd. (a); Kizer v. County of San Mateo (1991) 53 Cal.3d 139, 147, 279 Cal. Rptr. 318, 806 P.2d 1353 [actual damages are a prerequisite for award of punitive damages]; e.g., Coy v. Advance Automatic Sales Co. (1964) 228 Cal. App. 2d 313, 315, 39 Cal. Rptr. 476, disapproved on another point in White Lighting Co. v. Wolfson (1968) 68 Cal.2d 336, 350, fn. 8, 66 Cal. Rptr. 697, 438 P.2d 345.) "The award of . . . exemplary damages for abuse of process is well supported." (Clark Equipment Co. v. Wheat (1979) 92 Cal. App. 3d 503, 528, 154 Cal. Rptr. 874; e.g., Templeton Feed & Grain v. Ralston Purina Co. (1968) 69 Cal.2d 461, 471-472, 72 Cal. Rptr. 344, 446 P.2d 152; see also Yu I, supra, 69 Cal.App.4th at p. 1392.)

Thus, Banks have not established that the Yus cannot recover any damages.

(f) Unclean Hands

Banks maintain that any recovery by the Yus is precluded by the equitable defense of unclean hands. "The [unclean hands] doctrine demands that a plaintiff act fairly in the matter for which he seeks a remedy. He must come into court with clean hands, and keep them clean, or he will be denied relief, regardless of the merits of his claim." (Kendall-Jackson Winery, Ltd. v. Superior Court (1999) 76 Cal.App.4th 970, 978.) The defense can be asserted against an abuse of process claim (see id. at pp. 978, 986 [defense applies in legal as well as equitable actions; defense applied to cause of action for malicious prosecution]), and we will assume without deciding that the defense can be advanced in a motion to strike an unlawful business practice claim (but see Cortez v. Purolator Air Filtration Products Co. (2000) 23 Cal.4th 163, 179, 999 P.2d 706 ["equitable defenses may not be asserted to wholly defeat a UCL [§ 17200] claim"]). However, Banks have identified no facts sufficient to raise the defense in this case.

The Yus' alleged misconduct is what Banks call their "cavalier attitude" toward repaying their debt to Signet. In Banks' view, this attitude was reflected in Mr. Yu's deposition, where he testified that all he could remember about a letter he received from Signet was that it was "just [a] regular collection letter stating how much you owe them, which account number, blah blah, and who to call, the 800 number on the bottom." He also said that when he received a packet of documents from Signet about garnishing his wages, he thought Signet might be "bluffing," and took a "wait-and-see attitude" as to "whether it's really going to happen or not." He added, "I don't know if they are legal documents are not. I have no idea. It comes all the way from Virginia and I've never seen a Court of Virginia paper before. That's the reason why I thought these are phony stamps on it they send to--maybe I thought it was a collection tactic that they use to maybe scare people off." In addition to this testimony, there is evidence that the Yus received no communication from Signet for four years after their account was declared delinquent, and thought their debt had been paid.

If the culpability of the Yus' behavior and attitude toward their obligation were relevant, there would be enough room for dispute to preclude the granting of a motion to strike on that issue. (See Mattco Forge, Inc. v. Arthur Young & Co. (1992) 5 Cal.App.4th 392, 407-408 [unclean hands defense generally raises questions of fact that cannot be resolved on a motion for summary judgment].) In our view, however, the circumstances under which a debt is incurred are irrelevant to a claim based on collection of the debt through distant forum abuse. "The misconduct that brings the unclean hands doctrine into play must relate directly to the cause at issue. Past improper conduct or prior misconduct that only indirectly affects the problem before the court does not suffice." (Kendall-Jackson Winery, Ltd. v. Superior Court, supra, 76 Cal.App.4th at p. 979.) The problems associated with distant forum abuse -- impairing individuals' rights to defend collection suits, and undermining of confidence in the judiciary (Barquis v. Merchants Collection Assn., supra, 7 Cal.3d at pp. 104, 108) -- have nothing to do with why a debt is owed.

Moreover, the unclean hands doctrine is one that "protects the court's, rather than the opposing party's, interests." (Kendall-Jackson Winery, Ltd. v. Superior Court, supra, 76 Cal.App.4th at p. 978.) The courts' strong interest in deterring distant forum abuse (Barquis v. Merchants Collection Assn., supra, 7 Cal.3d at p. 108) requires that the unclean hands defense be narrowly applied in a suit to redress that abuse. (See 11 Witkin, Summary of Cal. Law (9th ed. 1990) Equity, § 13 ["clean hands defense will not be recognized when to do so would be harmful to the public interest"]; compare Kendall-Jackson Winery, Ltd. v. Superior Court, supra, at p. 986 [public policy favors broad application of defense in malicious prosecution actions].) We therefore reject Banks' attempt to shift the focus of the case away from it actions and intent onto "the general morals of the parties." (Id. at p. 979.)

<center>IV. DISPOSITIONS</center> The judgment for Banks is reversed (A095102), and the order denying Banks' motion to strike under the anti-SLAPP statute is affirmed (AO94519). The Yus' request for attorney's fees and costs in connection with the motion to strike (§ 425.16, subd. (c) [motion frivolous or designed solely for delay]) is denied, but they shall recover their costs on both appeals (Cal. Rules of Court, rule 26(a)(1), (c)).

Kay, P.J.

We concur:

Reardon, J.
Sepulveda, J.

</center>
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New Post/Thread Notification: CreditWrench

2005-08-10T09:38:00.000-05:00

Hello,

Creditwrench has just posted in the CreditWrench forum of CreditWrench under the title of I'm sick and trouble with creditors...Please Help!!!.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?threadid=746

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I'm getting some reports from people claiming that they have used 15 U.S.C. 1692(i) 811 (A)(2) which is the jurisdictional section of FDCPA to help defeat demand for ARB and claiming that in the event NAF accepts the arbitration demand and continues with it they will be in violation of FDCPA because of jurisdictional mandates of FDCPA.

That just might be a viable argument. Whether it is or not (legally speaking) if it scares them into getting off your back then so much the better. All we can do is try different things and see what seems to work the best.
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New Post/Thread Notification: CreditWrench

2005-08-09T22:15:00.000-05:00

Hello,

genuwine84 has just posted in the CreditWrench forum of CreditWrench under the title of I'm sick and trouble with creditors...Please Help!!!.

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I would suggest that you read through some of the post in the arbitration forum. There are some good discussions there. Maybe you can pick up something that will give you some ideas. I recently received an arbitration claim form Mann Bracken and responded with a letter rejecting arbitration and stating that I never agreed to arbitrate. Unless you always read the fine print I am sure you weren't aware of the arbitration clause, if in fact one exsisted. Make them prove that they had an agreement to arbitrate. Have you ever asked for validation of the debt? After I sent my reply to NAF and Mann Bracken they requested a stay of the arbitration. The letter I wrote is in the student lounge if you are a student. If you are not a student send me a private message and I will give you a copy of the letter. Each case is different so it may not work the same way for you. But you may be able to get some ideas. Also read the arbitration rules you may be able to pick something up from there. In the end if they win a judgement they will be able to seize your bank account. Even if the source of money is exempt form garnishment they will do it anyway just because they can. I went to a similiar situation earlier this year and it took 2 months for me to free my account. So if they win a judgement I would take the money out of the bank.
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New Post/Thread Notification: Credit repair discussions

2005-08-09T13:19:00.000-05:00

Hello,

Creditwrench has just posted in the Credit repair discussions forum of CreditWrench under the title of What do I do?.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?threadid=745

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Here's the deal...I recently pulled my credit to see all of my accounts and such and to check on things. Well, there were 3 collection accounts which I have never seen. I called one place, and got it taken care of. They are going to completly delete it off of my credit report and I have documentation of that. Another place I called said that they would have no problem deleting it off of my credit to the original creditor asked them to do so. So I talked to them...and they said they made payment arrangements with my mother and admitted to never talking to me. Can I do anything about this? I have to call their collections department within the facility to talk with them...what should I say? And, I think the last one will be much of the same.

Thanks for any of your help!
Sounds to me like you need to deal with the original creditors and that is what you seem to indicate that you are doing. It also seems that you are saying that these were never your debts in the first place but rather they belonged to your mother. If they continue to try to hang your mother's debts on you then you may have to sue them to get them off.
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New Post/Thread Notification: CreditWrench

2005-08-09T11:08:00.000-05:00

Hello,

Creditwrench has just posted in the CreditWrench forum of CreditWrench under the title of NSF Bad Checks.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?threadid=741

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Hello Everyone,

1) During 2001 and 2002 i had a few bad checks that i had written. And recently i graduated from college and ready to pay them off. Is there a way to increase my credit score by paying them off or do i need to something special so that they can delete the negative items and increase my score. As a normal rule, paying them off isn't going to increase your credit score by enough to make any difference unless the amounts are very large. The older the reports get the less impact they will have on your score anyway.

2) does capital one have the right to charge me interest even after they have charged off the account and how is the best possible way to deal with them

Thanks
Yes, they do have the right to charge interest even after charge off. There probably isn't any "best possible" way to deal with any creditor once it has gone into charge off unless you can reach an agreement with them to pay in full in return for the re-instatement of your credit privileges.
That can be done sometimes but probably not with Cap One. You never know until you try.

If Cap One won't work with you in return for payment in full then the next best possible way is to wait until it goes to collections (depending on what state you live in) and then deal with the collector using creditwrench methods. The chances are at least reasonably good that you may be able to get by without a lawsuit at all or that in the event you do get sued it will happen so far into the future that the statute of limitations will run out on them and you can use a SOL defense which will win every time.

Those are about the best answers I can give you at this time and given the amount of information you have supplied.
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New Post/Thread Notification: Credit repair discussions

2005-08-09T01:07:00.000-05:00

Hello,

mikejm has just posted in the Credit repair discussions forum of CreditWrench under the title of Repossession Question.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?threadid=744

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Depending on what state you are in there are some stringint consumer laws on repos. You need to check them out through your state consumer site. Florida laws are very tough on this.
Things such as where and when the car was sold who the car was sold to and for how much. You see generally they wholesale your car and then hit you with all costs plus the differance you owed on the car sooo you need to contact FMCC with a demand for this info and they need to provide it to you if not they maybe in violation of your state laws also you need to check the fair market value of the car when it was sold and see if they got that amout for it if not you may have cause for action,, as far as the CRA goes you can try but do not be suprised if the answer comes back as cofirmend.
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New Post/Thread Notification: CreditWrench

2005-08-08T00:20:00.000-05:00

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nitinko has just posted in the CreditWrench forum of CreditWrench under the title of NSF Bad Checks.

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Hello Everyone,

I am new to this forum. I have a couple of questions to ask you all? If you can help me out it would be a great help.

1) During 2001 and 2002 i had a few bad checks that i had written. And recently i graduated from college and ready to pay them off. Is there a way to increase my credit score by paying them off or do i need to something special so that they can delete the negative items and increase my score.

2) does capital one have the right to charge me interest even after they have charged off the account and how is the best possible way to deal with them

Thanks

Nitin
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New Post/Thread Notification: CreditWrench

2005-08-07T16:34:00.000-05:00

Hello,

Creditwrench has just posted in the CreditWrench forum of CreditWrench under the title of What can I do next with this #@%CA?.

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Debt collectors using different tactics BY CHRISTIE CAMPBELL, Staff writer

chriscam@observer-reporter.com

The woman sounded worried. She'd been trying to get in touch with my neighbor for some time now and hadn't been able to get through.

Would I mind contacting that neighbor and giving her the caller's telephone number?

My initial reaction was to be helpful, especially since the woman was calling from Buffalo, N.Y.

But then I began feeling that something wasn't right, especially since that return telephone number included a seven digit reference number.

It was probably a call from a collection agency.

According to the Bureau of Consumer Affairs in Harrisburg,Pa the call I received Friday morning may or may not have been illegal, but either way the bureau will provide a complaint form for those who receive such calls.

Calling neighbors to track down debtors is one of the latest tactics used by some collection agencies.

"More credit and debt collection companies are using illegal, aggressive tactics," said Barbara Petito, deputy press secretary for the state attorney general office. While contacting a third party is not prohibited, contacting a debtor at work is illegal.

The majority of debt collection agencies are following the law, but there are some that Petito refers to as "rogue agencies" using deceptive business practices. For example, she said they may try to create a false sense or urgency or an emergency just so the person makes contact.

In this case, "Mary Jo" made it sound as though her repeated telephone calls had gone unanswered. She never crossed the line in calling it an emergency. And, she clearly stated she was not making a telemarketing call.

Petito's office has received an increasing number of complaints about collection agencies, but she noted it could be related to the higher numbers of people deeply in debt. There are many who have overextended credit card debt, sometimes due to a medical emergency, a lost job, divorce or death in the family.

"As consumers become more aware of their rights, they are aware that some of the treatments they're receiving are illegal," she gave as another reason for the increasing number of complaints.

In brief,collection agencies cannot:

Contact you at unusual times or places

Contact you before 8 a.m. or after 9 p.m.

Contact you at work

Contact you when the debt collector is aware you are represented by an attorney.

They may contact third parties to ascertain your location; however, they may not reveal to third parties that you owe a debt.

Debt collectors may not harass you or third parties in connection with collecting debt. They are prohibited from using threats of violence, obscene language or repeated telephone calls.

<>For additional information, call the attorney general's office at 800-441-2555 or visit the Pennsylvania attorney general's office at www.attorneygeneral.gov.

(http://www.attorneygeneral.gov./)
The Attorney General's office in your state can be of great help but you must also be aware that they are only empowered to act in cases where the interests of the state are in question for the most part.

What you really need to do is to learn what your rights are under the law and learn how to use them against the debt collectors who break the law.

That is what Creditwrench teaches you.
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New Post/Thread Notification: CreditWrench

2005-08-07T16:23:00.000-05:00

Hello,

mikejm has just posted in the CreditWrench forum of CreditWrench under the title of What can I do next with this #@%CA?.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?threadid=739

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From what I have read sounds like you need to become a wrench student..Also looks like they have many violations of the DCPA against them. You need to learn how to apply those violations so that they come out the losers and not you..
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New Post/Thread Notification: CreditWrench

2005-08-07T07:23:00.000-05:00

Hello,

TexansFan has just posted in the CreditWrench forum of CreditWrench under the title of What can I do next with this #@%CA?.

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I've been trading letters with Continental Central Credit Inc. out in California and I'm finally po'd enough to just say see ya in court. Any opinions on the process from here will be greatly appreciated! Our story so far:
5/1/05 Paid an annual maintenance fee late. It was late and I paid in full principle plus all late fees and interest on the 04/05 statement the OC sent me.
05/29/05 Received 1st letter from CCC dated 5/25. Stated they rec'd payment and disputed my "attempt to fully discharge the above referrenced debt". They are demanding interest and collection fees. Included copy of CA civil code Sec 1526(A). With mini miranda.
6/2/05 I sent DV CMRRR to the CA. They rec'd on 6/6/05.
6/9/05 Rec'd another collection letter from CA dated 6/6/05. Basically, we have been assigned this debt by OC so pay it. If you ignore this notice we might sue and get all these extra fees. With MM. Lists Principle $0, Int $x.xx, Court cost $0, Atty fees $0,Coll fees $xxx.xx, Total $xxx.xx. Is this validation?
7/22/05 Rec'd another collection notice from CA dated 7/18/05. No letter, just a card in an envelope. Same $$ breakdown as before with MM.
7/25/05 Sent letter disputing again and saying they have not validated the debt (included copy of my prev. letter and RR) CMRRR. The Rec'd 7/28/05.
8/6/05 Rec'd another notice dated 8/2/05. 5 DAY FINAL NOTICEYour silence will compel us to follow clients instructions.CONTACT US IMMEDIATELY. With MM same $$ breakdown.

I have also been in contact with the OC by letter, faxes, and phone. They refuse to send me a statement and say I must go through the CA to get any info. After I pay the CA and bring my account "current" the OC says they might send a statement.

Sorry to be long winded. What would the learned members suggest next?
Thanks for all help.

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New Post/Thread Notification: Credit repair discussions

2005-08-07T07:22:00.000-05:00

Hello,

chasestinks has just posted in the Credit repair discussions forum of CreditWrench under the title of Chase Visa extorted thousands out of my pocket!.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?threadid=740

Here is the message that has just been posted:
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Having been a satisfied customer with Bank One since 1987 with a reasonable 7.6% APR on a $25,000 limit platinum visa card, my story begins...

Before the days of modern computer wizardry, there was a little piece of paper most people generally would keep in their wallet or pocketbook commonly known as the check. I now digress.

In earlier years, you have always heard stories of your parents or their parents in communities or neighbourhoods that routinely paid their tab on a weekly basis at local grocery stores, hardware stores, pharmacys, general supply stores and so on. Those days are over.

In the good old days local merchants would most likely understand if in hard times you were a day late and a dollar short. Just to have your business, store owners would bend over backwards to please you the customer. Lost to antiquity.

Times have changed, and so has the way we do business. Credit card companies will extend credit to virtually anyone, regardless of household income, no credit, low credit score or bankruptcy. It simply does not matter, as long as they can get their hands into your pockets, and once they do, they never take them out. I now regress...

Like most computer age savvy people, we are jubilant over the fact we can pay all of our bills on time with just a few clicks of our mouse. The only problem is, the credit card lenders that once waited literally days for a personal check to clear by conventional means, demand nearly impossible deadlines to receive their payment.

Here is how Chase Visa extorted thousands out of my pocket. With a low APR, I consolidated my entire credit card debt load to my Bank One card. Bank One was then purchased by Chase. I was seventeen years without a delinquent payment to Bank One the original lender. One month and ONE late payment later, I was hit with a $35.00 late fee and a ridiculous APR hike of 9.9%, to increase my now "new" APR with Chase to 26.9%. This is insane!

In my humble opinion, Chase Bank, is in violation of the RICO act should be investigated by the Federal Government for racketeering. I paid Chase Bank the old fashion way, I wrote them a check for $20,058.26 and closed forever my dealings with Chase Bank, and recommend everyone else do the same.

http://www.chasestinks.com (http://www.chasestinks.com/)
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New Post/Thread Notification: CreditWrench

2005-08-06T20:17:00.002-05:00

Hello,

ICU812 has just posted in the CreditWrench forum of CreditWrench under the title of Ohio SOl.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?threadid=738

Here is the message that has just been posted:
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I would tend to agree with Bill for the same reasons he mentioned, although I'm not an attorney either. You may have to ask a local attorney in your state to get it straight. You could try and locate one here: http://www.naca.net/ Just click on Find A Lawyer, then choose your state and finally under Area choose Debt-Medical Expenses.
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New Post/Thread Notification: CreditWrench

2005-08-06T20:17:00.001-05:00

Hello,

ecir80 has just posted in the CreditWrench forum of CreditWrench under the title of Ohio SOl.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?threadid=738

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Thanks for the info, I will follow up on it, but what about them calling and sending me her medical info? did the violate anything? and is it illegal to record them when they call your house without telling them? or is a written log good enough? thanks again for the quick help, Brian.
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New Post/Thread Notification: CreditWrench

2005-08-06T20:17:00.000-05:00

Hello,

ICU812 has just posted in the CreditWrench forum of CreditWrench under the title of Ohio SOl.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?threadid=738

Here is the message that has just been posted:
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Look here: http://consumers.creditwrench.com/showthread.php?t=523
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New Post/Thread Notification: CreditWrench

2005-08-06T12:36:00.000-05:00

Hello,

Creditwrench has just posted in the CreditWrench forum of CreditWrench under the title of Ohio SOl.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?threadid=738

Here is the message that has just been posted:
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I'm not an attorney so I can't give you any legal intrepretations of what Ohio law says but most states have only two different ways that SOL in debt situations is applied. It is usually stated that written contracts have one SOL that is longer than are "open ended" contracts or debts.

The only thing I can point out is that medical or hospital type debts could be construed to be either open ended or contractual and I can't tell you which one would apply. The reason I can't is because when you go to a hospital you are normally required to sign a separate agreement each time you go.

When you go to a doctor's office you usually sign such a thing only once. If I were faced with the problem I think I would do all that I could to claim that it was an open ended contract because once the agreement is signed they can just keep on addind as the need arises. Contracts usually refere to large purchases such as vehicle purchases, real estate contracts and that kind of thing.

So, in my personal (non-professional) opinion, it must be an open ended contract because it is not dealing with the purchase of any real tangible property such as a vehicle, a piece of machinery, a vacuum cleaner or real estate.
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New Post/Thread Notification: CreditWrench

2005-08-05T16:40:00.000-05:00

Hello,

mikejm has just posted in the CreditWrench forum of CreditWrench under the title of First victory with the wrench.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?threadid=735

Here is the message that has just been posted:
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Congrats I know how you feel.. The CRA will do nothing on the inquiry except to tell you to dipute it with the OC or the CA in this case..Another wrench tactic is needed send them the letter telling them to remove or else I will move forward on the DCPA violations..

I received a letter in the mail today from Genesis Financial Solutions after sending first payday letter last week. This is what the letter states:

Re: Smart Energy Account Number Blah Blah Blah

Dear Mr. Genuwine84:

This letter is in response to your recent inquiry regarding the aboved referenced account.

Please be advised that Genesis Financial Solutions, Inc cancelled the account in February 2005. In addition, we requested the credit reporting agencies remove any information reported by us regarding the account from your credit profile. Until the credit reporting agencies have updated their files, you may use this letter as confirmation of our action.

If you have additional questions, please contact our Customer Relations Department at 1-888-615-8762, Monday through Friday, 8:00 am to 5:00 pm, Pacific Time. Any representative will be able to assist you.

Sincerely,
Customer Relations

THIS COMMUNICATION IS FROM A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILLL BE USED FOR THAT PURPOSE.

I started this process back in December but dropped the ball on sending the 1st payday letter until last week. Apparently the issue was already resolved after the second letter. The only issue that still remain is the inquiry on my credit report. Hopefully I wont have to sue the credit bureaus to have that removed. I guess the next step would be to dispute the inquiry by sending a copy of this letter to the bureaus. The debt was only for $81 so I did not see them trying to file a suit over that. Additionally, I had several violation of FDCPA on them.
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New Post/Thread Notification: CHIT CHAT

2005-08-04T22:23:00.000-05:00

Hello,

Creditwrench has just posted in the CHIT CHAT forum of CreditWrench under the title of Jurisdictionary is a real winner..

This thread is located at http://www.creditwrench.com/consumers/showthread.php?threadid=733

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<div class="moz-text-html" lang="x-western"> <div><img alt="" src="about:blank" align="bottom" border="0" hspace="0" /> Jurisdictionary ®</div> <div align="center"><a name="_Toc29733906">How to Win</a> </div> <div align="center"> </div> <div align="left"> <div align="left"></div> <div align="left"> <div> <div></div> <div> <div> If you want to win your lawsuit, the first thing to do is understand it is a law-suit ... not a creative writing contest.

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</div> <div> You wouldn't sit down to a game of poker and bid 3 no-trump or turn one card over and say, "Hit me!" Those tactics work well for bridge or blackjack, but they don't work at all in a game of poker ... because the rules are different.

</div> <div> Why then do so many people go to court ignoring the rules of procedure, the rules of evidence, and the rules of causes of action that win lawsuits?

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</div> <div> If you haven't come to see the common-sense of the rules of evidence and know how to recognize hearsay, for example, you cannot win.

</div> <div> If you ignore the rules of procedure, write 30-page pleadings, file motions without setting them for hearing, and fail to exercise your powerful right to discover evidence from the other side and from non-parties like the phone company or an expert witness, you might as well give up now.

</div> <div> Jurisdictionary gives you these 3 essential keys ... power you need to control crooked lawyers and corrupt judges.</div> <div> </div> <div>1. The rules of causes of action.</div> <div>2. The rules of evidence.</div> <div>3. The rules of procedure.

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New Post/Thread Notification: CreditWrench

2005-08-04T22:22:00.000-05:00

Hello,

genuwine84 has just posted in the CreditWrench forum of CreditWrench under the title of First victory with the wrench.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?threadid=735

Here is the message that has just been posted:
***************
I received a letter in the mail today from Genesis Financial Solutions after sending first payday letter last week. This is what the letter states:

Re: Smart Energy Account Number Blah Blah Blah

Dear Mr. Genuwine84:

This letter is in response to your recent inquiry regarding the aboved referenced account.

Please be advised that Genesis Financial Solutions, Inc cancelled the account in February 2005. In addition, we requested the credit reporting agencies remove any information reported by us regarding the account from your credit profile. Until the credit reporting agencies have updated their files, you may use this letter as confirmation of our action.

If you have additional questions, please contact our Customer Relations Department at 1-888-615-8762, Monday through Friday, 8:00 am to 5:00 pm, Pacific Time. Any representative will be able to assist you.

Sincerely,
Customer Relations

THIS COMMUNICATION IS FROM A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILLL BE USED FOR THAT PURPOSE.

I started this process back in December but dropped the ball on sending the 1st payday letter until last week. Apparently the issue was already resolved after the second letter. The only issue that still remain is the inquiry on my credit report. Hopefully I wont have to sue the credit bureaus to have that removed. I guess the next step would be to dispute the inquiry by sending a copy of this letter to the bureaus. The debt was only for $81 so I did not see them trying to file a suit over that. Additionally, I had several violation of FDCPA on them.
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New Post/Thread Notification: CreditWrench

2005-08-04T12:43:00.002-05:00

Hello,

Creditwrench has just posted in the CreditWrench forum of CreditWrench under the title of Served with a Summons today.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?threadid=734

Here is the message that has just been posted:
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Guess I thought if they didn't prove the debt by showing the signed contract I had a chance......I see now the only way to protect myself is if they break the law of procedure somehow and I can use that as a defense.

Think I'm screwed on this one............I have several debts out there like this one from a failed business in November of 2002. I have made it this far up till now thinking the Okla SOL on credit card debts was 3 years, but in reality its 5 from speaking to several lawyers.

Thought if I could make it till Nov of this year I would qualify for SOL defense, also with the new bankruptcy law going into affect on Oct 17th I may have to make the choice of fileing Chapter 7 which I have worked hard to avoid.

Any thougts, Bill ?
Any thoughts? Yes. First of all, if you are/were a business entity, have a corporation or an LLC or something like that then bankruptcy is for you. First of all people really need to understand bankruptcy and it's real intentions. It is not to help "Average Joe" beat his creditors although that is exactly the way it has been used for so long that everybody thinks that's what its for. That has now become its "true" purpose and that is probably one of the reasons the law has been changed.

What I think Congress has really intended to convey is the idea that maybe we ought to get back to what bankruptcy was really intended for and quit abusing the system. They didn't come out and actually say that but it does seem to me that is at least in the thinking.

Bankruptcy was never intended to be used as it is today. Bankruptcy was originally intended to be the corporate equivalent of probate court for the natural person. Corporations are unnatural persons. Without bankruptcy there would be no way to settle the estate of the unnatural person that "died". Probate court does that for the natural person who died.

It also provided a way for the unnatural person which was still very much alive to gain the protection of the courts while it paid off it's debts and restructured itself. All it had to do was prove that it had enough assets and strengths to pay it's debts and work itself back to solvency to gain the protection of the courts while it did so.

So lawyers soon figured out that if unnatural persons could get that protection then why shouldn't natural persons also have the right to get that protection from the courts and the game has been on ever since and of course at the price of great enrichment for the lawyers and at the expense of the unnatural person(s).

Now they have finally complained to Congress so much that Congress decided to try to level the playing field and make Average Joe pay up instead of escaping scott free. So now if Average Joe wants to escape paying his bills he is going to have to find other ways to get the job done.

Can he do that? Of course he can but it isn't going to be easy. Bankruptcy was a romp in the park. All you had to do was pay some lawyer and you were off the hook for the most part. Now you hare going to have to do your homework which should have been the case all all along.

What are you going to have to do? Learn the law and learn how to use it. Simple as that.

It means learn the causes of action, learn the rules of procedure, learn the rules of evidence and learn the FDCPA. Do that and you can win most of the time.
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New Post/Thread Notification: CreditWrench

2005-08-04T12:43:00.001-05:00

Hello,

Creditwrench has just posted in the CreditWrench forum of CreditWrench under the title of Served with a Summons today.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?threadid=734

Here is the message that has just been posted:
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I live in Tulsa and law firm is located in (Love, Beal & Nixon) Oklahoma City. I'm not sure about any violations thast they have committed.

I just get phone calls, letters (not CRR) just mailed by ordinary postage. I have only talked with them once after numerous calls, denied knowing what they were talking about and ask them for validation of the debt.

They mailed a copy of a credit card statement as "verification" two weeks and now (yesterday) I recieved a summons. Then you are going to have to answer that summons and if at all possible come up with a valid reason to countersue them. Don't worry about the fact they didn't send their letters (CRR) as there is no requirement whatever that they do that. You have to do it but they never do. Ordinary postage is plenty good enough for them.

You have been posting here for quite a while and have been coming up with some good posts so I'm very surprised you didn't realize that. I'm also very surprised by some of the other things you are coming off with.

Be that as it may, you are obviously going to need some serious help and although I do know some lawyers and other people over there in Tulsa like Vern Holland, Frank Taucher, Greg Phillips and others and they are mostly interested in tax matters or child custody and support matters. Father's rights and stuff like that. They were mostly members of Dan Meador's group and they used to meet regularly at Hardesty Library but of course when Dan died that sort of put an end to that group and nobody seems to have picked up since then.

I don't know of anybody in Tulsa whom you might contact for help with your kind of problems. It is also too late for the Creditwrench program to help you any so if you want me to help we have to get into a much deeper level than that.

Coming up with a proper answer to the court is pretty simple but it is what has to come after that which gets involved.

You can give me a call if you want to get into it.
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New Post/Thread Notification: CreditWrench

2005-08-04T12:43:00.000-05:00

Hello,

Creditwrench has just posted in the CreditWrench forum of CreditWrench under the title of Served with a Summons today.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?threadid=734

Here is the message that has just been posted:
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I have 4 credit cards in total, three of them had the business name on them and one was in my name, of course the one in my name is the one the law firm has.

I have never heard that if its a business card it would make any difference, do we need to talk ? There is way to much info to type to evaluate if I need to go ahead and file or use your methods.
Yes it does make a difference if it is a business card. But there are several variables in that too. First of all they quite often bring suit on a personal level even though it is a business card. If they do that then FDCPA and other consumer laws can be brought into play but if they bring it as a business debt then you are into commercial law unless you can prove that it was used only for personal purposes. (See Skenk vs Transworld Systems). Do we need to talK? You have to decide that.

As you know, I'm not a lawyer and I don't claim to be able to pull rabbits out of magic hats so you have about 3 choices.

1. Take the easy way out and go file bankruptcy.
2. Learn how to fight. Learn that FDCPA violations are not a defense to a lawsuit but can be used in countersuits to get the same thing done.
3. Sit back, ignore the summons, ignore the garnishment proceding and wait for the inevitable disaster.

Well, got your phone call a minute or so ago so we will take it from there.
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New Post/Thread Notification: CreditWrench

2005-08-04T12:42:00.000-05:00

Hello,

Creditwrench has just posted in the CreditWrench forum of CreditWrench under the title of Served with a Summons today.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?threadid=734

Here is the message that has just been posted:
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Your correct about the other procedures, other than just disputing. If they can't validate the debt (signature on the original contract) and only verify the debt (copy of statement) and the original address of the original creditor will this be enough to win a judgement ?
Seems to me that you are making some statements there that just won't hold up. (signature on the original contract) has absolutely nothing to do with validation of a debt. Your next phrase, (copy of statement) does not "verify a debt" is also totally incorrect. Put together they are very misleading. To a newbie it would probably seem that you really know what you are talking about and putting out information that they really like to hear. Just imagine!

If they don't have a copy of a contract with my signature on it and they don't have a copy of a statement they can't get a judgment against me and of course that is total hogwash.

People need to understand that in most courts the mere fact of a plaintiff's attorney filing a lawsuit against "Average Joe" is more than enough to establish the presumption that "Average Joe" has unjustly enriched himself at Poor Plaintiff's expense and that is a wrong which the Honorable Judge Belch is dooty bound to remedy at all costs. Judge Belch don't really care whether Poor Plaintiff has any evidence or not. Judge Belch don't really care whether Poor Plaintiff has any contract or not. After all, Poor Plaintiff is usually a nationally known bank or collection agency and everybody knows they don't lie, don't accuse people falsely and do great public services.

So Average Joe is at a huge disadvantage at the outset because the court has a mindset against the bum. And that is not to say that Judge Belch is crooked, dishonest, corrupt or anything else.

If Average Joe wants to win he is going to have to do some pretty fancy hoop jumping unless he can prove beyond a shadow of a doubt that he already paid the debt or is not the person Poor Plaintiff thinks he is. Frivolous arguments such as you suggest are not normally going to win the day in court.

Average Joe is going to have to know his rules of civil procedure, know the causes of action, and understand the difference between a competent witness or proper affidavit and heresay. He is going to have to understand how to prepare a proper answer to the court and find the defects in Poor Plaintiff's arguments and even that isn't likely to be enough to beat Poor Plainiff in court before Judge Belch for the simple reason that Judge Belch don't want to waste a lot of time listening to Katz & Katz (http://www.freep.com/news/locoak/katz3e_20050803.htm) and Average Joe blowing hot air back and forth bickering over the finer points of law.

So the only real hope Average Joe has is to prove to Judge Belch that Poor Plaintiff and Katz & Katz (http://www.freep.com/news/locoak/katz3e_20050803.htm) have wronged him woefully, broke the law and denied him his rights under the law as well as having harassed him unmercifully and are now before the court guilty as sin while trying to collect a totally unreasonable amount of money and at usurious rates of interest.

Average Joe simply isn't going to get that done by hollering about their not verifying the debt. It takes a lot more than that to win.
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New Post/Thread Notification: CreditWrench

2005-08-04T12:41:00.000-05:00

Hello,

ICU812 has just posted in the CreditWrench forum of CreditWrench under the title of Served with a Summons today.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?threadid=734

New Post/Thread Notification: ASK AN ATTORNEY

2005-08-02T13:23:00.001-05:00

Hello,

steggie has just posted in the ASK AN ATTORNEY forum of CreditWrench under the title of Liens against a House.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?threadid=727

Here is the message that has just been posted:
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We recently purchased a new home from a builder in Florida. After the closing we received a notice of dues from a Homeowners Association, which we never knew existed. The builder did not reveal this nor was it brought up at the closing. We would not have bought the house had we known we had to join a HOA. We filed a claim with the Title Co. which they declined. The HOA now threatenes to place a lien against the house which is "homesteaded" and owned along with my wife's mother. We have a undivided half interest as joint tenants with right of survivorship. Under these circumstances, can the HOA really place the threatened lien against our home? Thanks for your anticipated reply, we are seniors (one 88yrs.old) and this really has us very upset.
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New Post/Thread Notification: Credit repair discussions

2005-08-02T13:23:00.000-05:00

Hello,

Creditwrench has just posted in the Credit repair discussions forum of CreditWrench under the title of Bankruptcy (Ch7).

This thread is located at http://www.creditwrench.com/consumers/showthread.php?threadid=728

Here is the message that has just been posted:
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I (&wife) were recently discharged from Ch7 and when I just received my credit reports (copies of all 3 from annualcreditreport.com and all 3 from a paid service) I noticed there were differences between the free reports and the paid for reports. Question 1) Do I need to correct the errors on the "paid" ones as well as the "free ones" (even though they are from the same bureaus?) Yes! The paid one will probably be much more relevant and that is the one you should work with. I'm also wondering whether or not you should complain about the differences to the FTC? Maybe they need to look into that.
Problem #2: The reason we declared Bankruptcy was due to a $ 9000. civil court judgement which we could not pay. On the credit reports it states (for other accounts listed on the bankruptcy "schedule" "Debt included in or discharged through Bankruptcy Ch7,) YET for the Judgement, it does not say ANYTHING. Question 2) Do I need to get this corrected to show that this was also discharged? Thanks all for your anticipated reply.
Both are public records and the only way to get rid of it is to attack it as a void judgment (or at least try to) and if you can get it vacated then it will have to come off. Since it was discharged in bankruptcy you might not be able to get that done. I really don't know about that because all I know about bankruptcy is that it really, really *****.

It could be that if you get it vacated that might also affect your bankruptcy somehow. I just don't know about that.

Best advice I can give others is never file bankruptcy and this new law set to go into effect ought to help people see that it is a real bummer.
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New Post/Thread Notification: Credit repair discussions

2005-08-02T13:22:00.001-05:00

Hello,

braindonor has just posted in the Credit repair discussions forum of CreditWrench under the title of CapitalOne charge-off to new account.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?threadid=70

Here is the message that has just been posted:
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I'm amazed to hear of all these clever tactics the sharks are using. Some people will fall for it--but not the well informed http://consumers.creditwrench.com/images/smilies/wink.gif Thanks! I'm braindonor and I am the owner of the Cap1 s u c k s message forum (http://www.tinyurl.com/9o7yp) and I just came over to see what is happening on Bill's forum here.

Bill has been teaching me a lot about how to make a forum work and how to publicize it. He is also helping the guy over at the Chase Bank s u c k s forum (http://www.tinyurl.com/8wxqw)

Bill really seems to get the job done when it comes to helping people with all sorts of problems. But I did have to figure out how to get around his message filters by using tinyurl.com to mask the url or my links here would not work. I'm sure he really won't mind my doing that.

I hope those of you who are having or have had problems with cap1 will come over and post on my message forum too.
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New Post/Thread Notification: Bankruptcy forum

2005-08-02T13:22:00.000-05:00

Hello,

Creditwrench has just posted in the Bankruptcy forum forum of CreditWrench under the title of Strange Question-Strange Circumstances.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?threadid=729

Here is the message that has just been posted:
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Does anyone know the answer to this one? Background info.: I was recently discharged from Ch7 but, the trustee still wants me to either pay $ 5000. within one year for a car that is registered to me in FL (but, has a lien on it and in which I have no equity) OR I need to turn over the car immediately per court orders. Question: Rather than me giving up a car which does not belong to me (my mother loaned me the 5G to buy it, for her use, she's 88 & I'm the chauffeur) can I tell the court I want to CANCEL the bankruptcy (even though it has been finalized) . After all, had I known they were going to take the car at the getgo, I would not have filed. I thought the car was "safe" because of the lien and since I had no equity in it.
I don't know anything about BK to start off with but it seems to me that you should have registered the car in your mother's name instead of your name. Of course, hindsight don't help you now.

I'd say you need to talk to your bk attorney about this and maybe also the lender and tell them what is going on so they can step in if possible. Seems to me they would have something to say about all of this, and especially so if it might mean that you would have to file bk on them too.
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Michael Schlosser is very ill and prayer confrence call tonight

2005-08-01T13:08:00.000-05:00

Michael Schlosser is very ill and needs prayer for both Michael and Cynthia
There will a conference call tonight Monday August1 from 6 to 9 P.M.
Pacific time

This call will be devoted to Michael and Cynthia
1-212-990-8000 pin is 5454#

Carol Davis
760-367-7718

New Post/Thread Notification: CreditWrench

2005-08-01T09:58:00.000-05:00

Hello,

mikejm has just posted in the CreditWrench forum of CreditWrench under the title of Judgement against me.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?threadid=726

Here is the message that has just been posted:
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Most likely and late and interrest fees as well and court costs.
Keep in mind most Judgements 98% are void upon their face and could be vacated.

I have a credit card Judgement against me. I owe the money and really don't want to go to court so going to arrange some payment option. My question is the judgement online shows 1653.00 as what the judgement was. The law firm is saying I own 1793. I just want to know if Lawyer feels are on top of the judgement?
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New Post/Thread Notification: Credit repair discussions

2005-07-31T21:44:00.000-05:00

Hello,

tommy_1812 has just posted in the Credit repair discussions forum of CreditWrench under the title of Rentreporters.com reports rent or not? I am skeptical.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?threadid=494

Here is the message that has just been posted:
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I was told that they are reporting to Innovis (the soon to be big 4 CRA in the near future). I haven't acquired a copy of my innovis report yet, as I am against giving them my signature. They have a copy of my Drivers License, which has my signature. They refused me my report because I didn't give them a signature on a piece of paper. I am looking into violations for failure to provide me my credit report on request.

Otherwise, if I ever did obtain my credit report and found that rent reporters was reporting to innovis then I would be less leery of this company rentreporters.com. If I find that it isn't on my innovis report, then I will assume that it is a scam. It's been 9 months now since I signed up for this service. I did, however, see that they updated my rent profile for May and June 2005. Nothing for July yet. They mentioned my Landlord by name in an email sent to me updating me about my account. I never gave them my landlords name, so this is a little bit of faith that I hold.

I have heard of legitimate companies that do report rent, BUT the landlord has to sign up for the service. Then the landlord has to send the company verification of rent payments. Here is the link: http://www.nail-usa.com/rent_monitoring.htm

The only difference is the landlord has to sign up instead of the consumer. Rent reporters might not be allowed to report because they don't check the credentials of the landlord. If you rent, and this is what I might be doing soon, is talking to my landlord about this rent service at nail-usa.com
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New Post/Thread Notification: CHIT CHAT

2005-07-28T21:59:00.001-05:00

Hello,

Creditwrench has just posted in the CHIT CHAT forum of CreditWrench under the title of Salvadore, Salvadore Wherefore art thou?.

This thread is located at Click here to view the entire thread

Here is the message that has just been posted:
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Salvadore, Salvadore Wherefore art thou?

Salvadore in Spanish means "Saviour" and there are untold numbers of Hispanics named Salvadore. Italian also has a similiar name but it is usually Salvatori or something similiar to that. I got this call from some dude who claimed to be Salvadore but once I asked him for his last name he just hung up then I had to trace him back to Capital Management in Buffalo, New York. Then called them up to see if I could find my "saviour" (LOL) and needless to say they didn't know of any Salvadore who worked thete. Maybe that's why he hung up on me. He probably hadn't dreamed up a last name to go along with the first name he most likely also dreamed up. Did he (they) violate the law? You bet they did. Big time.

I got some phone numbers for them. They are:
716-871-9050
716-873-3032
They are listed as being at either (or both) 2201 Niagra St. and 2211 Niagra Street.

When I called them back a second time and asked for their addrss they gave me a big run around wanting to know account numbers I don't have and my social which i am not about to give out to some scumbag debt collector.

Hee is the call. Actually it is two of them pasted together from two different recorders. Both of them are the Sony P-28 recorders so the file size stays small.

The recording is a bit funny
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New Post/Thread Notification: CHIT CHAT

2005-07-28T21:59:00.000-05:00

Hello,

ICU812 has just posted in the CHIT CHAT forum of CreditWrench under the title of Salvadore, Salvadore Wherefore art thou?.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?threadid=724

Here is the message that has just been posted:
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Try this Bill:

<ADDRESS>Capital Management Services</ADDRESS><ADDRESS>726 Exchange St #700</ADDRESS><ADDRESS>Buffalo, New York 14210</ADDRESS><ADDRESS>Phone: (716) 871-9050</ADDRESS><ADDRESS>Fax: (716) 566-2107</ADDRESS><ADDRESS>Web Address: www.cms-collect.com (http://www.cms-collect.com/)</ADDRESS>
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New Post/Thread Notification: CreditWrench

2005-07-26T22:24:00.000-05:00

Hello,

mikejm has just posted in the CreditWrench forum of CreditWrench under the title of I have proof that I paid! What do I do now?.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?threadid=720

Here is the message that has just been posted:
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Well again dealing with FedEx is handled in the same manner get them to stop the CA and you will pay that simple make sure you get their commitment in writing saying they will do this,,, if they send you a new bill and you pay and have all the reciepts I would think that would be proof..

Well, maybe I should call Fedex customer service and see if I can pay them directly rather than paying the CA. Does the CA really own my debt or will they just give Fedex the money I pay them? I'd rather pay Fedex but then I'd have to make sure that they get the CA called off. What do you all think?
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New Post/Thread Notification: ASK AN ATTORNEY

2005-07-26T08:27:00.000-05:00

Hello,

mikejm has just posted in the ASK AN ATTORNEY forum of CreditWrench under the title of Validation of Debt.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?threadid=700

Here is the message that has just been posted:
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No problem!!
However there are very few practicing attorneys who know these laws and the stratigies needed to win.. I know Bill will support my statement on this..

I have been in court ProSe' FED and local level and beat attorneys so have a pretty good knowledge in these matters(and still learning)..Bill has seen the documents..

Bill has supported me in these things and I have learned to win from him.. So be assured that we would not mislead you with our answers. And as most cases turn out you have a confidentiality clause in the settlement that says you will not mention the firm or attorney you beat.. I was told by the last one "we must have this as we do not want anything winding up in the papers such as" and I quote "Beach bum prose' beats attorney"
I can sum this up very simply when someone does not follw the letter of the law and is brought to task makes no difference civilian or attorney when your right,, your right and that is part of winning..
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Re: New Post/Thread Notification: CreditWrench

2005-07-26T08:26:00.000-05:00

On 7/25/05, CreditWrench Forums <ceo@creditwrench.com> wrote:
>
> Hello,
>
> ecir80 has just posted in the CreditWrench forum of CreditWrench under the title of Please help.
>
> This thread is located at http://www.creditwrench.com/consumers/showthread.php?threadid=721
>
> Here is the message that has just been posted:
> ***************
> Thanks alot for your help, I will do some research on this and keep the board updated on my progress, hopefully I can get these people off my back and off my credit report, so I can get back on track, you are doing a great thing for people who probally would get screwed if not for your help, I saw some people getting sued on our county public records online from the hospital my bill is from that are from the early 1980's for under a couple hundred bucks, hopefully with your help I wont be one of thos people thanks alot again, Brian.
> ***************
>

--
www.creditwrench.com
creditwrench.blogspot.com
consumers.creditwrench.com

New Post/Thread Notification: CreditWrench

2005-07-26T08:25:00.000-05:00

Hello,

mikejm has just posted in the CreditWrench forum of CreditWrench under the title of I have proof that I paid! What do I do now?.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?threadid=720

Here is the message that has just been posted:
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These guys are buzzards but you will not know until you try if they refuse to work with you go then to validation and proceed from there hoping to catch them on DCPA violations and then takem' to court. Of course this will cost them and you a lot more then $20.00 in time alone..
However I had a very similure situation with Airbourne during their transition to DHL took me 6 plus months to fix and I had paid the bill in full and was able to prove it. had paid with debit card and the bank records we readily available,,anyway it maybe worth a call to FedEx and talking to them they DO have the power to call the CA off..I delt with DHL and even then it got sent to a CA (after DHL told me not to worry they were fixing it) and I told them the CA to go ahead and sue me for the $45.00 in fact I begged them to sue me for the amount which had risen to $150.00 as I could not wait to get them in court show the judge I paid this 6+ months ago get the case dropped and turn around and sue them and DHL for filing a frivolus lawsuit and naming DHL as co-defendant..could not get them to do it though they somehow got religion.... I again called DHL told them the story and said I would name them in the suit..the problem has gone away and no reprecusions.
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New Post/Thread Notification: ASK AN ATTORNEY

2005-07-25T22:26:00.001-05:00

Hello,

Creditwrench has just posted in the ASK AN ATTORNEY forum of CreditWrench under the title of Validation of Debt.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?threadid=700

Here is the message that has just been posted:
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I know Bill will support my statement on this..Absolutely!

And as most cases turn out you have a confidentiality clause in the settlement that says you will not mention the firm or attorney you beat.. I have a real problem with those kinds of clauses. My feeling on that issue is very strong.

Here it is. The lawyer and his cronies had no problem with trashing the defendant, his money and his credit files. They were very willing to do all of that and more and with no qualms whatever. They were willing to do all of that and more if need be no matter that they were breaking the law and were thereby very elegible to be called scofflaws and worse. So why do they think they have any right to keep their unscrupulous and illegal acts swept under the carpet?

Their demeanor is little more than pure and simple arrogance and they need to pay the price just like any other common criminal.

Maybe I might have to change my mind someday in order to get a settlement done and over with but it sure isn't going to be willingly. I'd fight them over a clause like that in a heartbeat.

I was told by the last one "we must have this as we do not want anything winding up in the papers such as" and I quote "Beach bum prose' beats attorney"

Too bad, so sad. If they can't stand the heat then let them get out of the kitchen. That's the way I feel about it.

I can sum this up very simply when someone does not follw the letter of the law and is brought to task makes no difference civilian or attorney when your right,, your right and that is part of winning..
And the right to crow about it is also a part of what makes winning worthwhile.

I've just caught a debt collector in the very act of unauthorized practice of law and an attorney aiding and abetting them. All I need now is some case Oklahoma case law to back me up and/or the judge to agree with me and I've got them nailed to the proverbial cross and I durn well plan to set the proverbial fire under it if I can.

Will I be able to do that?

Right now your guess is as good as mine.
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New Post/Thread Notification: CreditWrench

2005-07-25T22:26:00.000-05:00

Hello,

ecir80 has just posted in the CreditWrench forum of CreditWrench under the title of Please help.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?threadid=721

Here is the message that has just been posted:
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Thanks alot for your help, I will do some research on this and keep the board updated on my progress, hopefully I can get these people off my back and off my credit report, so I can get back on track, you are doing a great thing for people who probally would get screwed if not for your help, I saw some people getting sued on our county public records online from the hospital my bill is from that are from the early 1980's for under a couple hundred bucks, hopefully with your help I wont be one of thos people thanks alot again, Brian.
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New Post/Thread Notification: CreditWrench

2005-07-25T12:27:00.000-05:00

Hello,

Creditwrench has just posted in the CreditWrench forum of CreditWrench under the title of Please help.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?threadid=721

Here is the message that has just been posted:
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Dear Creditwrench, I have tried to find the SOL for Ohio and all I can find is some websites that say written 15, oral 6, injury 2, damage 2, open accounts just have a - mark, a long time ago i was researching it and thought I came across a website that said it was 4 on open accounts, how can I be 100% sure what the SOL is in Ohio? and is a hospital bill considered an open account or one of the others? sorry for all the questions but this thing really has me a nervous wreck, thanks for your help, Brian.
As always, you need to go to the annotated statutes in your state. The short cut to that is to go to your state statutes on line and look up Statute of Limitations. Easy way is go to Google and type in OHIO STATUTE OF LIMITATIONS and go for what comes up. You should always take an official state government or court website and not somebody else's website.

In your specific situation I would imagine that the SOL would be 4 years but once again, you have to get your info direct from the source which is the Ohio state statutes.

When it gets down to the wire and they have you by the throat then you may need to actually go to the law library nearest you and actually read the annotated statutes. Look for the notes in the back of the book. That tells you what the real scoop is most of the time.

There are always two sets of law books. One is the state statutes and the other is the statutes annotated. You always want to consult the annotated statutes.

One thing I haven't harped on much is the aspect of using only the annotated statutes and using your local law libraries. Go get familiar with them. Get to know the librarians and seek their help and assistance. They are usually extremely knowledgeable and willing to help you find what you need.

Your law library is definitely one of your best friends in time of need. Go there and learn to use it.
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New Post/Thread Notification: CreditWrench

2005-07-25T11:20:00.001-05:00

Hello,

Creditwrench has just posted in the CreditWrench forum of CreditWrench under the title of Please help.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?threadid=721

Here is the message that has just been posted:
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Dear Creditwrench, I have a problem I live in Ohio and I have a Hospital Bill from 1999 in the amount of $3,200 that a local collection agency has, they seem like they are going to sue me because of the phone call I got from them the other day, so I looked at our public records online here in the county I live in and that hospital is sueing alot of people for old bills and small ones and I fear I am next, I know you charge for this information as you should, but I am in a very bad spot right now and could never come up with money even on payments, I have run across the worst luck recently and it does not seem to be getting any better, and if this agency takes me to court it will kill me, I would greatly aprreciate anything you or the people on your board could help me with, the last thing in the world i need is to be sued by these vultures, they dont care a single father trying to raise 2 daughters cant pay a $3,200 bill, and to make things worse last week the same day they called I was on my way to work my car blew the head gasket and now im without a car or anyone to ask for a ride, when it rains it pours i guess, but if you or anyone else on the board can help please respond, I would be forever greatfull, thanks, Brian.
It seems to me that if they do file suit you might want to look at the statute of limitations defense. That is very simple to do so if it applies to you then you would not have to do all the complicated stuff that has to be done to win a more "normal" credit card type case.

If the SOL fits your situation then your answer might be nothing more than a simple motion to dismiss for failure to state a claim upon which relief can be granted.

If that is true then you would not need to worry about all the rest of the arguments, admissions, affidavits and "junk" that has to go into winning a more complicated situation.
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New Post/Thread Notification: ASK AN ATTORNEY

2005-07-25T11:20:00.000-05:00

Hello,

Creditwrench has just posted in the ASK AN ATTORNEY forum of CreditWrench under the title of Validation of Debt.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?threadid=700

Here is the message that has just been posted:
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I apologize humbly if you feel that you have been misled. Was not my intention, nor I'm sure Mikes either. The information you received was accurate, that I can assure you. I dunno, but maybe sometimes I'm a little too eager to help others.
Let's not get too upset with each other around here.

Our attorneys automatically get a heads up on every message posted here. At least WestCoast Litigators does and any other practicing attorney can get the same notifications by email when messages are posted in this forum as well by simply asking me to set it up for them. Then they can answer or not as they have time and see fit to do so.

If one or another of our attorneys don't answer withing a day or two then I do hope other knowledgeable members will jump in and do the best they can as they have just done. No problems there.

On the other hand, the poster's question was placed in the forum on Sunday so that may be why he didn't get a real prompt answer from one of our attorneys.

But what is important here is that nobody feels "chastised" because they posted an answer. It might help if those of us who are not attorneys and answer here post a little disclaimer along with their message in this forum.

That never hurts anyway.

I'm not an attorney type of thing. I've seen some fairly funny ones in various forums and a little humor never hurts either.
LOL
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New Post/Thread Notification: ASK AN ATTORNEY

2005-07-25T09:39:00.000-05:00

Hello,

ICU812 has just posted in the ASK AN ATTORNEY forum of CreditWrench under the title of Validation of Debt.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?threadid=700

Here is the message that has just been posted:
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Well you are getting the idea.. However this part of the site is for the response of Attorneys only..Which I am not and I do not think ICU is either.. Rather then get Bill upset about this please move your questions to the open forum..

You will get basically vague anwers there as well...The answers you seek and the way to solve this is with-in the Creditwrench family,, If you want to stop these guys cold and it looks like you may have actionable violations think about becoming a student.. What you learn as a student is something you will carry for life and no one will want to mess with you after you have had some experience in handling these things..
I was thinking the exact same thing Mike and no, I am not an attorney.

Raidix, you have a choice of fighting them pro se or hiring an attorney or just rolling over and paying them. The CA wants you to make the last choice. If you file suit on them they have to hire an attorney to defend themselves. They don't want it to get that far, because of the expense. It could cost them $1000.00 just to reach a settlement. To file suit on you would probably cost more than that in litigation fees. And they would have to prove their case. So they do the next best thing, which they already have - they ruin your credit report, hoping you'll come crawling.
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New Post/Thread Notification: ASK AN ATTORNEY

2005-07-25T01:15:00.000-05:00

Hello,

Raidix has just posted in the ASK AN ATTORNEY forum of CreditWrench under the title of Validation of Debt.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?threadid=700

Here is the message that has just been posted:
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Write to the CRA's and ask them. Be polite, tell them you have disputed it with the CA and that you are wondering why it is not listed as in dispute. Request that they validate and ask for the name of who they contacted, address, phone number. Tell them to take the additional time if necessary. I believe it's 30 days +15. They should correct it or say it's ok as is. If it's the latter, I suspect it's proof that the CA didn't report it to the CRA as in dispute. That's a violation. The denial for the construction account is additional damages. $How$ much you will have to determine.Just to clarify if I understand your statement:

1) I write to CRA's requesting that they validate debt and provide me with method they used to validate debt.

2) If they indicate that the C/A responds to their requestion for validation with ANY communication re: this alleged debt OTHER than directions to the CRA's to remove the debt from collections, this is PROOF that it was not initially reported by the C/A as disputed and is, in fact, ANOTHER violation of FDCPA, since the C/A was obligated to validate debt to me PRIOR to reporting to CRA's, and is obligated by Section 809 (b) to cease collection of the debt until verification is mailed to the consumer by the debt collector?

Is this what you are saying?

Thanks AGAIN!
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New Post/Thread Notification: ASK AN ATTORNEY

2005-07-25T01:14:00.000-05:00

Hello,

Creditwrench has just posted in the ASK AN ATTORNEY forum of CreditWrench under the title of Validation of Debt.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?threadid=700

Here is the message that has just been posted:
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<center>http://www.creditwrench.greatnow.com/creditwrenchlogo.png (../)

../xml.gif (http://creditwrench.blogspot.com/atom.xml)

</center>
Well, I'm not about to get upset with him for asking the opinion of one of our resident attorneys. After all, that is what this forum is for. If our resident attorneys feel that there is some reason his post should not be here then in most cases I leave that decision to them. This is their forum and they can pretty well react, answer or not answer as they see fit.

Be that as it may, there are some strategies that attorneys simply won't use or can't use that are successful. I'm currently working on one here in Oklahoma trying to get a collection agency nailed for unauthorized practice of law and their attorney nailed for aiding and abetting them. I'd have no problem getting that job done in many states because I have a lot of case law covering this particular situation. In California, Florida, Texas and Michigan these birds would be dead meat legally speaking. In Oklahoma I can at least attempt to get the attorney nailed because he can't aid another in the unlawful practice of law here but the problem is going to be to find some Oklahoma or even 10th circuit case law to nail the debt collector with. Haven't had any luck with that yet. I may just have to have the student file the counter suit and see what happens when the judge rules on it.

I really don't like that option either because of course I don't know how the judge will rule if he don't have local case law to go by. The only hope I have is that I happen to know that the judge is a fair fellow and leans over backwards to do all he can to give pro se litigants the benefit of the doubt. I've seen him spend an unusual amount of time explaining to pro se litigants what it is that they have done wrong or have not done what they should have done. Then he recommends that they get a lawyer. Only problem with that is that in every case the pro se has consulted with counsel or the plaintiff's attorney has screwed it up badly enough to scare any pro se off of attorneys.

I've got another case that is pretty badly mishandled by the plaintiff's attorney too and I'm really afraid of that one because I also know the judge in that case and that judge is a real purple people eater.
LOL

I've already told the pro se he could count on losing the case no matter what he pleads or how he goes about it. The judge is so bad that I honestly believe that although I hope I turn out to be wrong, of course.

The only thing the pro se can do in that case is to be sure he has his grounds for appeal built in and I don't think that is going to be the least bit hard to do because the plaintiff's attorney has bungled the case so badly that getting an appeal going should be no problem at all.

</center>
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New Post/Thread Notification: CreditWrench

2005-07-24T23:04:00.000-05:00

Hello,

Creditwrench has just posted in the CreditWrench forum of CreditWrench under the title of I have proof that I paid! What do I do now?.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?threadid=720

Here is the message that has just been posted:
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I've gotten a collection notice from OSI Collection Services, Inc. about a claim that I owe Fedex some money (about $30). Now I've only used Fedex once and it was for sending a letter priority overnight. The notice has the tracking number and I found the Airbill and the receipt showing that I paid for this. What's the best way to proceed? I already have proof that I paid this so should I still just go for validation of debt when I can send them copies of the proof that I don't owe anything?
I'd probably do both at the same time. You are apparently within the time limitations (30 days) so I'd demand validation and send copies of the proof that you don't owe them anything.

Send them certified mail, of course. If they keep on bugging you after that let us know and I'll clue you in on what to do next.
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New Post/Thread Notification: ASK AN ATTORNEY

2005-07-24T18:49:00.000-05:00

Hello,

ICU812 has just posted in the ASK AN ATTORNEY forum of CreditWrench under the title of Validation of Debt.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?threadid=700

Here is the message that has just been posted:
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Since last I wrote, the following events have occured:

Experian and Equifax have each reported the "alleged" debt is in Collections with no comment attached.
TransUnion has reported the debt in Collections, with Remarks indicating that "this debt is dsputed by Consumer."

My husband and I will be signing a Construction Loan for our new house on Aug 27, 2005. That loan has already been approved.

However, two weeks ago, we applied for a Contractor's account at Lowe's using our Letter of Approval from the bank. On a letter dated July 18, we were DENIED the contractor's account due to information contained in the Equifax Credit Report.

NOW, if TransUnion reports that this alleged debt is disputed, and Experian and Equifax do NOT, how would I determine if Armor Collections was negligent by not reporting the dispute to the CRAs, or if Experian and Equifax are negligent by not including the CA's statement.

If Armor did not report that info to the 2 CRA that do not have that statement, would this be another cause for action against them under the FDCPA?

Conversely, if Armor did supply that info, but the 2 CRA's did not include it, would they be liable under the FCRA?
Write to the CRA's and ask them. Be polite, tell them you have disputed it with the CA and that you are wondering why it is not listed as in dispute. Request that they validate and ask for the name of who they contacted, address, phone number. Tell them to take the additional time if necessary. I believe it's 30 days +15. They should correct it or say it's ok as is. If it's the latter, I suspect it's proof that the CA didn't report it to the CRA as in dispute. That's a violation. The denial for the construction account is additional damages. $How$ much you will have to determine.
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New Post/Thread Notification: CreditWrench

2005-07-24T16:35:00.000-05:00

Hello,

sixfigurenow has just posted in the CreditWrench forum of CreditWrench under the title of About to get behind on credit cards.....

This thread is located at http://www.creditwrench.com/consumers/showthread.php?threadid=717

Here is the message that has just been posted:
***************
While my wife and I were separated she ran up quite a sum on credit cards, arounf 70K, I have been paying the minimum payments, got some interest rates lowered but with the consolidation of so many banks now and they have been changing interest rates, it has now become a burden. Right, wrong or indifferent, I have paid them thousands in interest so I don't have the moral feelings I once had and now I need to know what to expect when I stop paying.

They are BankOne which was FirstUSA and now Chase and the others are MBNA. The majority is with Chase and was thinking if I stopped paying them could put alot more towards the smaller ones.

This may not be the forum for this information but was thinking if I did stop paying, then eventually they would go to collections and then I could utilize CreditWrench to help. With this kind of money I am sure they would do everything including sueing to get me.

If anyone has a similiar situation and can let me know how things went with them, I would appreciate it. One last comment; I may be coming into a sum of money down the road and I might could negotiate a settlement with them but by the time they tack on all their fees the debt would be huge.

Help!
***************

New Post/Thread Notification: CreditWrench

2005-07-24T16:34:00.000-05:00

Hello,

Creditwrench has just posted in the CreditWrench forum of CreditWrench under the title of Original Creditor.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?threadid=718

Here is the message that has just been posted:
***************
Hi Bill,

The letter came from a Credit Union not a 3rd party debt collector. This is why I decided I should ask whether or not we should treat this credit union as an original creditor or as a 3rd party debt collector. Utah is not on the list of 23 states so they will have to be treated as an original creditor in this case. You can send them the CREDITWRENCH VAlidation LETTER but if they fail to answer it they still have not committed any violaton. [/quote]
Do you think we should contact the Social Security to make sure her SS# wasn't assigned to 2 people with similar names?[/quote] I think that would be a waste of time and effort.

 Again your information has been very helpful. If you would like to continue this with you in private or in the students lounge, please let me know. I will be happy to continue this right here in open forum. I see no problems with doing that so far in this thread.
***************

New Post/Thread Notification: ASK AN ATTORNEY

2005-07-24T15:12:00.000-05:00

Hello,

Raidix has just posted in the ASK AN ATTORNEY forum of CreditWrench under the title of Validation of Debt.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?threadid=700

Here is the message that has just been posted:
***************
UPDATE::confused:

Hi Guys:

I hope and pray that you are still monitoring, and will take the time to respond.

Since last I wrote, the following events have occured:

Experian and Equifax have each reported the "alleged" debt is in Collections with no comment attached.
TransUnion has reported the debt in Collections, with Remarks indicating that "this debt is dsputed by Consumer."

My husband and I will be signing a Construction Loan for our new house on Aug 27, 2005. That loan has already been approved.

However, two weeks ago, we applied for a Contractor's account at Lowe's using our Letter of Approval from the bank. On a letter dated July 18, we were DENIED the contractor's account due to information contained in the Equifax Credit Report.

I pulled each of the credit reports on both my husband and myself today. The ONLY negative item is the Collection Account on MY report, which does NOT indicate that the debt is disputed on the Equifax Report.
My Credit Summary from Equifax states:
Type of Account # of Accounts
Mortgage 4
Installment 5
Revolving 13
Total Accounts 22
Total Accounts in Good Standing 21
Accounts Currently Past Due 0
Negative Account History 0
Accounts in Collection 1

NOW, if TransUnion reports that this alleged debt is disputed, and Experian and Equifax do NOT, how would I determine if Armor Collections was negligent by not reporting the dispute to the CRAs, or if Experian and Equifax are negligent by not including the CA's statement.

If Armor did not report that info to the 2 CRA that do not have that statement, would this be another cause for action against them under the FDCPA?

Conversely, if Armor did supply that info, but the 2 CRA's did not include it, would they be liable under the FCRA?

ALSO, my research into contract law refers to the "4 Corners" of a valid contract. I cannot find a site that defines these corners, but is it correct to assume that in a retail transaction,
1) Something of value has to be sold
2) The price of this item must be identified
3) The buyer must agree to purchase

AND, IF it is true that I actually used the VMC site to purchase Dish Network satellite service, I know that had I known that I was going through a reseller, which required a one year's commitment, I would NEVER have completed the transaction, since our house was listed with a realtor at that time.

My pitiful understanding of contracts lead me to believe that this company is engaged in UNCONSCIONABLE actions. If this case has merit enough for a suit to be filed in federal court, could the contract itself (or the lack thereof) be an object of scrutiny for the court? Would the original creditor (VMC Satellite) even be affected by a suit under either of these two Acts?

If not, is there any type of suit that could be filed in Lousiana to STOP a company headquartered in Virginia from engaging in unscrupulous business practices?

I do not know if my situation is unique, but all of these Acts seem to be inter-related in this case, and it is overwhelming to me. I am persisting in my research, however, and your support and insight is of incaluable worth to me. Thank you for EVERYTHING!
***************

New Post/Thread Notification: CreditWrench

2005-07-24T14:08:00.000-05:00

Hello,

Creditwrench has just posted in the CreditWrench forum of CreditWrench under the title of Original Creditor.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?threadid=718

Here is the message that has just been posted:
***************
We live in Utah. We have been dating now for almost 5 years now. I have been working with her to get all of her credit cards paid off. So, now she only has one active credit card. All of the others have been cancelled and paid off. Neither one of us had heard of this credit union until they sent her a notice she needed to bring her account current. She believes it may be an identity theft. The letter came addressed to her in her maiden name which she hasn't used for the last 35 years.
Ok. That helps some. If she believes that it is a case of identity theft then she needs to file an identity theft complaint with the local police department. That would be the first step. The second step would be to do the same, file complaint with the FTC over identity theft.

But there is also the very real possibility that it isn't identity theft at all but rather some collection agency who simply has the right name but the wrong actual person. That happens about as much as real identity theft cases do. So she needs to stop thinking in terms of her having to prove that she don't owe the debt (if that is indeed the way she is looking at the situation) and start thinking in terms of making them prove that she does owe the debt.

One should never try to prove a negative. And one should also never try to prove how smart they are by sending off a validation letter containing a bunch of silly questions or legal gobble-de-gook. After all, the point is to force them to prove how smart they are rather than trying to prove to them how smart you are. They don't listen too good anyway.

One should prepare himself for the time when he very well might have to prove how smart he is and should be well prepared to make that a very expensive lesson indeed for them.

She should also contact the origianl creditor and attempt to find out when the last payment was made on the account or if any was made at all and record the phone conversation and ask the creditor to send that information to her by mail. That establishes when the actual date of last activity was which then marked and commerated the start of the statute of limitations and tells her whether or not she has a SOL defense in the event that she is sued over the debt.

So she has not one but rather three things to worry about. Possible identity theft and the possibility that she might be sued for the debt whether she actually owes it or not plus the damage to her credit reports.

If it is identity theft she has to make a positive effort to establish that fact by filing reports with the proper authorities.

If it is simply a case of mistaken identity by a debt collector she has to take immediate and positive steps to build her defense by making them prove she owes the debt.

Clear up the problem and then worry about credit reports, not the other way around.
***************

New Post/Thread Notification: CreditWrench

2005-07-24T14:07:00.000-05:00

Hello,

Creditwrench has just posted in the CreditWrench forum of CreditWrench under the title of Original Creditor.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?threadid=718

New Post/Thread Notification: CreditWrench

2005-07-23T17:22:00.000-05:00

Hello,

Creditwrench has just posted in the CreditWrench forum of CreditWrench under the title of Original Creditor.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?threadid=718

Here is the message that has just been posted:
***************
I have a question about the original creditor. Here is the situation: My girlfriend recently received a letter from a credit union in Chicago asking her to make a payment on a credit card account opened in her maiden name(which she hasn't used for 25 years). Plus she has never been to Chciago or anyplace east of the Mississippi.

Should she consider this as a communication from an original creditor or a 3rd party debt collector?
The answer to your question can't be answered so simply. The first problem is that you have not told us what state she lives in. That can make a difference.

Secondly, it really don't make any difference because it could well be a case of identity theft from what you are telling us. Depends on whether or not she ever applied for the card. Don't sound like she did.

Too many possibilities here to really give you a solid answer.
***************

New Post/Thread Notification: CreditWrench

2005-07-22T22:43:00.000-05:00

Hello,

ICU812 has just posted in the CreditWrench forum of CreditWrench under the title of Debtor in Texas.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?threadid=716

Here is the message that has just been posted:
***************
Here's some good places to start for information: http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm
http://www.lawdog.com/

Texas apparently treats the OC the same as a 3rd party debt collector, so I don't believe the laws governing debt collection are any stricter in Texas then elsewhere. According to http://www.cardreport.com/laws/statute-of-limitations.html the statute of limitations in Texas is 4 years. That's not too bad. Here in New York it's (big gulp) 6 years.
***************

New Post/Thread Notification: CreditWrench

2005-07-20T07:56:00.000-05:00

Hello,

Crowhed has just posted in the CreditWrench forum of CreditWrench under the title of The Unholy trinity MBNA W&A NAF.

This thread is located at http://consumers.creditwrench.com/showthread.php?threadid=269

Here is the message that has just been posted:
***************
shoot 'em all. . .

How would NAF be a defendant? Because I am asking the court to reject the NAF's authority to make an award?
***************

The funniest thing he ever read.

2005-05-31T22:24:00.000-05:00

Subject: Possession of Gonja

Author

Message

Lawdog
Advanced Member

Joined: March 23 2005
Posts: 513
Location: United States

Sent: May 25 2005 at 12:53pm

Wrenchie

FYI, possession of less than 28 grams of Marijauna in California is a misdemeanor

http://www.chrisconrad.com/expert.witness/cahscodetext.html

It is PERFECTLY legal for medical use in California.

Many AIDS and cancer patients take a toke to relieve their pain. Also there are many loyal Arab Americans just like in World War II there were many loyal Japanese and German Americans.

The funniest thing he ever read?

Lawdog
Advanced Member

Joined: March 23 2005
Location: United States
Online Status: Offline
Posts: 513

Posted: May 31 2005 at 6:56pm \| IP Logged

Avid wrote:

What exactly does creditwrench do, and why are his tactics tolerated on a forum for debt collectors? In reading, this seems more like a creditwrench board. What is his purpose here?

Avid

Nobody is quite sure what Creditwrench does. He is a resident troll but has taken a hiatus lately. Likely he is busy pulling the wings off flies and burning ants with magnifying glasses. Do read the earlier threads they are hilarious. E Normis had a blog at www.creditwrench-thetruth.blogspot.com that puts things in perspective. Be prepared, funniest damned thing I ever read. Weclome to the board

Lawdog

__________________
"Have I mentioned before that I am surrounded by idiots? Let me cut to chase and just tell you up front: the CREDITWRENCH students" Billie Bauer 4/30/05 from his blog

Houston Texas Collection Agencies

2005-05-15T10:27:00.000-05:00

Houston Texas Collection Agencies

This is only a short list of debt collection agencies. Click the link below for more.

A B Collection Co
(713) 780-1871 6420 Richmond Ave
Houston, TX

A Williams & Williams
(281) 584-0776 11931 Wickchester Ln
Houston, TX

Accelerated Recovery Group
(713) 850-7440 4615 Southwest Fwy # 620
Houston, TX

Acs Systems Inc
(713) 266-5893 9800 Centre Pkwy # 1100
Houston, TX

Adams Evens & Ross
(713) 225-1211
Houston, TX

Alegis Corp
(713) 784-9966 9700 Richmond Ave
Houston, TX

Allied Data Corp
(281) 558-7176 13111 Westheimer Rd # 4
Houston, TX

American Collections & Credit
(281) 589-9281 1880 S Dairy Ashford St
Houston, TX

American Medical Adjusters Inc
(713) 932-8240 9575 Katy Fwy # 425
Houston, TX

American Systems Management
(713) 451-8955 58 Evanston St # 2
Houston, TX

Amity
(281) 759-1340 7400 Harwin Dr
Houston, TX

Amity
(281) 759-1340 1618 Beaconshire Rd
Houston, TX

Arc
(281) 820-0515 507 N Sam Houston Pkwy E # 110
Houston, TX

Assettrack Inc
(713) 789-8722 6060 Richmond Ave # 222
Houston, TX

Benefit Recovery Specialists
(713) 880-8791 1111 North Loop W # 1000
Houston, TX

Bfi Inc
(713) 937-9955 11315 W Little York Rd
Houston, TX

Billcol Billing & Collection
(713) 782-0009 6250 Westpark Dr
Houston, TX

Business Creditor Management
(713) 981-1570 505 N Sam Houston Pkwy E # 120
Houston, TX

Carlton Co Inc
(713) 975-9350 2323 S Voss Rd # 460
Houston, TX

Ccp & Assoc
(713) 796-9800
Houston, TX

Cem Recovery Service
(713) 771-7624 9222 Petersham Dr
Houston, TX

Centralaccount Services
(713) 892-5012 24 E Greenway Plz
Houston, TX

Certified Recovery Systems
(713) 464-4449 7207 Regency Square Blvd
Houston, TX

Check Collections Of America
(713) 784-3395 2650 Fountain View Dr # 225
Houston, TX

Checkcare Systems Inc
(713) 975-8200 3100 Wilcrest Dr # 240
Houston, TX

Child Support Specialists
(713) 225-5437 2500 Wilcrest Dr # 300
Houston, TX

Cisco Inc
(713) 461-9407 1702 Townhurst Dr
Houston, TX

Cmfg
(713) 784-1680 10333 Richmond Ave
Houston, TX

Collection Bureau Inc
(713) 840-1140 4242 Richmond Ave
Houston, TX

Collections Unlimited Inc
(281) 558-8818 14925 Memorial Dr # 125
Houston, TX

Commercial Collection Inc
(713) 782-8860 PO Box 742152
Houston, TX

Consolidated Cable Solutions
(713) 856-7900 11875 W Little York Rd # 605
Houston, TX

Continental Credit Adjusters
(713) 780-7030 800 Wilcrest Dr # 300
Houston, TX

Credit Management Consulting
(713) 466-6688 8414 Mosshang Ct
Houston, TX

Credit Management Service
(713) 744-5420 5300 Hollister St # 500
Houston, TX

Credit Service Co Of Houston
(713) 468-2179 8707 Katy Fwy # 203
Houston, TX

Cru & Assoc Inc
(713) 988-5673 10500 Forum Place Dr
Houston, TX

Dtec Inc
(713) 464-2525 5900 Cunningham Rd
Houston, TX

Dun & Bradstreet Inc
(713) 781-1600 10777 Westheimer Rd # 1150
Houston, TX

Edward Burke & Assoc
(281) 444-5699 5206 Fm 1960 Rd W
Houston, TX

Edward T Burke & Assoc
(281) 679-6889 11222 Richmond Ave
Houston, TX

Enterprises Recovery Systems
(713) 776-8244 9894 Bissonnet St
Houston, TX

Equifax Risk Management Service
(713) 972-1924 9990 Richmond Ave
Houston, TX

F & S
(713) 278-1161 6430 Richmond Ave
Houston, TX

Frost-Arnett Co
(713) 963-8818 24 E Greenway Plz # 1804
Houston, TX

G C Service Ltd Partnership
(713) 777-4441 6330 Gulfton St
Houston, TX

Gillman, Michael - Gillman & Assoc
(281) 480-5545 17041 El Camino Real # 204
Houston, TX

Greenburg Grant & Richards
(713) 789-5893 5858 Westheimer Rd # 500
Houston, TX

Gulf Coast Collections Inc
(713) 973-9953 1220 Blalock Rd # 115
Houston, TX

Houston Business Enterprise
(713) 952-5588 6776 Southwest Fwy
Houston, TX

Independent Service Co
(713) 721-4214 5322 W Bellfort St # 207
Houston, TX

Insurex Inc
(281) 596-0400 11999 Katy Fwy # 160
Houston, TX

Intermax Recovery Inc
(281) 970-7120 9317 Sweetbrush Dr
Houston, TX

International Collection Service
(713) 668-1400 5821 Southwest Fwy # 310
Houston, TX

Interstate Credit Assn
(713) 523-7171 2915 Louisiana St
Houston, TX

Investment Recovery Management Inc
(713) 460-1557 9506 Clay Rd
Houston, TX

Itc
(713) 785-5418 7457 Harwin Dr # 115
Houston, TX

Judgement Proof Collection Service
(713) 222-8448 600 Travis St # 900
Houston, TX

Lee Max & Assoc
(281) 469-6652 440 Benmar Dr
Houston, TX

Lone Star Investigations
(713) 995-0897 10333 Harwin Dr # 400
Houston, TX

Ltd Financial Service
(713) 414-2100 7322 Southwest Fwy # 1600
Houston, TX

Manning Group
(281) 488-7372 15018 Waybridge Dr
Houston, TX

Market Recovery Analyst Inc
(713) 272-6878 9898 Bissonnet St # 660
Houston, TX

Marshall-Assoc
(713) 668-1277 2656 South Loop W # 580
Houston, TX

Mausser Associates
(281) 561-5963 12805 Carvel Ln
Houston, TX

Metro Recovery Systems
(713) 774-4459 8700 Commerce Park Dr
Houston, TX

Monshaugen & Van Huff
(713) 880-2992 5771 Enid St # A
Houston, TX

Multi-Data Systems
(713) 626-3955 3131 Timmons Ln
Houston, TX

Mustain & Assoc
(713) 774-2606 8303 Southwest Fwy # 455
Houston, TX

Nasco
(713) 995-1100 10101 Harwin Dr # 260
Houston, TX

National Claims Service
(713) 621-5181 4801 Richmond Ave # 29
Houston, TX

National Revenue Corp
(713) 964-2762 4801 Woodway Dr # 300
Houston, TX

Nationwide Credit Inc
(281) 931-2000 450 N Sam Houston Pkwy E # 240
Houston, TX

Ncs Inc
(713) 414-7700 9894 Bissonnet St # 650
Houston, TX

Ndr Ltd
(713) 782-5716 2950 S Gessner Rd
Houston, TX

Netwok Collection Systems
(713) 771-3519 9894 Bissonnet St # 650
Houston, TX

North West Collection Service Inc
(281) 890-1950 12345 Jones Rd # 154
Houston, TX

Osi Collection Service
(713) 785-9690 800 Wilcrest Dr # 300
Houston, TX

Price Jr, Hollis G - Price Jr Hollis G
(713) 629-1390 4615 Southwest Fwy # 472
Houston, TX

Price Laughlin & Co
(713) 932-8677
Houston, TX

Risk Management Alternatives
(281) 560-7000 7324 Southwest Fwy # 1100
Houston, TX

Rma
(713) 972-1179 9990 Richmond Ave # 300
Houston, TX

S & S Financial
(713) 522-3637 5206 La Branch St
Houston, TX

S & S Financial
(713) 942-8879 5901 Schumacher Ln
Houston, TX

Sean Collections
(281) 564-4433 6701 Tres Lagunas
Houston, TX

Select Net Recovery System
(713) 953-1403 2825 Wilcrest Dr
Houston, TX

Sky Recovery Service
(281) 679-9000 12000 Westheimer Rd # 233
Houston, TX

Solomon & Pruitt Inc
(832) 242-5000 2602 Washington Ave # C
Houston, TX

Southwest Investigations
(832) 252-1738 7457 Harwin Dr # 368
Houston, TX

Surpra's
(713) 952-3375 6300 Richmond Ave
Houston, TX

Synergy Business Service
(713) 953-0025 2537 S Gessner Rd # 228
Houston, TX

Transworld Systems
(713) 460-9700 5300 Hollister St # 500
Houston, TX

Trs Corp
(713) 952-8291 3000 Wilcrest Dr # 300
Houston, TX

United Check Control
(281) 481-4100 1235 North Loop W
Houston, TX

United Check Control Inc
(713) 845-7205 1735 North Loop W # 800
Houston, TX

United Recovery Systems
(713) 977-1234 3100 S Gessner Rd # 400
Houston, TX

Debt collectors are America's most wanted criminals! They are criminals because they violate our consumer protection laws millions of times every day. Convicted or not, that easily makes them criminals for the simple reason that those who break our laws are criminals.

Hundreds of people including law enforcement must hunt for these criminals daily. That easily makes them the most wanted criminals in America today! The link above will lead you to a listing of thousands of America's most wanted criminals. I hope it helps you find the one you are looking for.

criminals

Dallas Texas Collection Agencies

2005-05-14T07:37:00.000-05:00

Visit our Creditwrench message
board and take part in the discussions or seek help in resolving your problems.

Account Recovery Service
(214) 553-8824 5001 Spring Valley Rd # 400e
Dallas, TX

Acl
(214) 331-9021 5787 S Hampton Rd # 380
Dallas, TX

Allied Interstate Inc
(972) 233-9645 12655 N Central Expy
Dallas, TX

Allied National
(972) 455-4683 12377 Merit Dr # 11
Dallas, TX

Allied Resident/Employee Scrng
(972) 404-0808 4230 Lyndon B Johnson Fwy
Dallas, TX

Asset Claims & Liabilities
(214) 331-5609 5787 S Hampton Rd
Dallas, TX

Asset Recovery Information
(972) 458-0305 2828 Forest Ln # 2100
Dallas, TX

B T Collection
(214) 891-8885 8080 N Central Expy
Dallas, TX

Brown Parker & Assoc Inc
(214) 942-1802 801 Sunset Ave
Dallas, TX

Canadian American Financial
(214) 942-0313 1321 E Canterbury Ct
Dallas, TX

Canadian-American Financial
(214) 321-4066 8344 E R L Thornton Fwy # 315
Dallas, TX

Carol Turner Collection
(214) 905-9776 2300 N Stemmons Fwy
Dallas, TX

Cars
(214) 363-4261 7275 Holly Hill Dr
Dallas, TX

Central Financial Control
(972) 888-0991 2711 Lyndon B Johnson Fwy #600
Dallas, TX

Chapman Ross & Assoc Inc
(214) 352-9915 2520 Electronic Ln # 813
Dallas, TX

Child Support Enforcement Ctrs
(214) 343-8100 9500 Forest Ln # 405
Dallas, TX

Cms
(972) 301-4350 8131 Lbj Fwy # 200
Dallas, TX

Commercial Collection Consultants
(214) 320-2211 8344 E R L Thornton Fwy # 315
Dallas, TX

Commercial Collection Consltnt
(214) 652-2470 8344 E R L Thornton Fwy
Dallas, TX

Commercial Recovery Bureau
(214) 358-1610 PO Box 59104
Dallas, TX

Commercial Recovery System
(214) 324-9575 8035 E R L Thornton Fwy # 320
Dallas, TX

Complete Asset Recovery System
(214) 363-4261 7525 Holly Hill Dr
Dallas, TX

Conrad C Collections
(214) 630-7788 2300 N Stemmons Fwy
Dallas, TX

Credit Adjustment Service
(214) 324-8831 8035 E R L Thornton Fwy # 307
Dallas, TX

Credit Check Inc
(214) 363-9218 4131 N Central Expy
Dallas, TX

Credit Protection Assoc
(972) 233-9614 13355 Noel Rd # 2100
Dallas, TX

Cst Co
(214) 747-9621 1400 Dragon St
Dallas, TX

Custom Credit Systems Inc
(972) 644-6270 9535 Forest Ln
Dallas, TX

D & B Payment Processing
(214) 341-8700 10925 Estate Ln
Dallas, TX

Dallas International Service
(214) 330-9247 4010 Joseph Hardin Dr # 145
Dallas, TX

Data Line Credit Corp Of Texas
(214) 361-4093 10300 N Central Expy # 420
Dallas, TX

Diversified International Service
(972) 991-1251 2639 Walnut Hill Ln # 200
Dallas, TX

Doctor's Recovery Service
(214) 752-1166 3445 Highland Rd # 100
Dallas, TX

First & Last Csi
(214) 343-6784 11020 Audelia Rd # C209
Dallas, TX

General Rental Revenue Corp
(972) 931-0919
Dallas, TX

Graline Financial Service
(214) 343-2838 10610 Metric Dr # 110
Dallas, TX

Harrington Simpson & Assoc
(972) 991-2400 13604 Midway Rd
Dallas, TX

Honor Creditor's Agency
(972) 930-9090 17311 Dallas Pkwy # 300
Dallas, TX

Hospital Financial Group Inc
(214) 739-9595 7075 Twin Hills Ave
Dallas, TX

Invest Services Co
(214) 521-9573 3906 Lemmon Ave # 211
Dallas, TX

Jsz Financial Co
(972) 404-8390 5421 Alpha Rd # 101
Dallas, TX

K & M Recovery
(972) 503-6300 14284 Gillis Rd
Dallas, TX

Lgf
(214) 352-9200 2351 W Northwest Hwy # 1115
Dallas, TX

Lml Payments Sys
(214) 678-2000 1330 River Bend Dr # 600
Dallas, TX

Master Meter Intergraded
(972) 267-8877 16910 Dallas Pkwy
Dallas, TX

Medconcepts
(214) 902-7900 2142 Research Row
Dallas, TX

Medical Bureau Inc
(214) 630-3322 8150 Brookriver Dr # 600
Dallas, TX

Metro Financial Service
(214) 369-3607 8144 Walnut Hill Ln # 900
Dallas, TX

Moore Collections
(214) 951-0433 2300 N Stemmons Fwy
Dallas, TX

National Commercial Recovery
(972) 934-8448 12655 N Central Expy # 925
Dallas, TX

National Creditors Assn
(972) 991-2288 13604 Midway Rd # 163
Dallas, TX

Nexclaim Technologies Inc
(214) 526-6628 3838 Oak Lawn Ave
Dallas, TX

Pharis Recovery
(214) 265-5051 6440 N Central Expy
Dallas, TX

Phoenix Recovery Management
(972) 223-4918 4041 W Wheatland Rd # 156
Dallas, TX

Prime Financial Service
(214) 520-5700 3100 Monticello Ave # 890
Dallas, TX

Prime Systems Inc
(214) 651-7844 1700 Commerce St # 1605
Dallas, TX

Pro Collect Inc
(214) 341-0218 9550 Forest Ln # 420
Dallas, TX

Provider One Service
(214) 741-6778 1700 Commerce St
Dallas, TX

R S Clark & Assoc
(214) 503-1482 8535 Ferndale Rd # 11
Dallas, TX

Recovery Group
(214) 880-0202 2626 Cole Ave # 150
Dallas, TX

Recovery Systems Specialist
(214) 540-2845 3523 Mckinney Ave # 215
Dallas, TX

Scott & Goldman Inc
(972) 241-1027 17778 Preston Rd
Dallas, TX

Southwest Ambulance Co
(214) 752-1723 1201 Elm St # 5010
Dallas, TX

Southwest General Service
(214) 747-1431 12025 Shiloh Rd
Dallas, TX

Sta International
(972) 387-3782 5485 Belt Line Rd # 120
Dallas, TX

Subrogation Group
(214) 342-1185 11325 Pegasus St # E200
Dallas, TX

Swift Recovery Service
(972) 980-7335 13612 Midway Rd # 530
Dallas, TX

Tel Time Collections
(214) 521-9880 4837 Cedar Springs Rd
Dallas, TX

Texas Comm Recovery Bureau
(214) 261-6476 PO Box 59104
Dallas, TX

Texas Credit Service
(214) 750-0399 PO Box 671001
Dallas, TX

Tj Collection
(214) 977-9031 1410 Dallas Trademark
Dallas, TX

Transworld Systems
(972) 783-9191 8131 Lyndon B Johnson Fwy #200
Dallas, TX

Unger & Assoc
(214) 965-8000 325 N Saint Paul St
Dallas, TX

Unique Collections
(214) 954-1864 603 Munger Ave
Dallas, TX

Vacu Vin USA Inc
(214) 363-8844 8600 NW Plaza Dr # 4a
Dallas, TX

William D Woodard & Assoc
(214) 340-3000 11325 Pegasus St # 200
Dallas, TX

Debt collectors are America's most wanted criminals! They are criminals because they violate our consumer protection laws millions of times every day. Convicted or not, that easily makes them criminals for the simple reason that those who break our laws are criminals.

Hundreds of people including law enforcement must hunt for these criminals daily. That easily makes them the most wanted criminals in America today! The link above will lead you to a listing of thousands of America's most wanted criminals. I hope it helps you find the one you are looking for.

criminals

Collection agencies in Houston, Texas

2005-05-13T20:52:00.000-05:00

A B Collection Co
(713) 780-1871 6420 Richmond Ave
Houston, TX

A Williams & Williams
(281) 584-0776 11931 Wickchester Ln
Houston, TX

Accelerated Recovery Group
(713) 850-7440 4615 Southwest Fwy # 620
Houston, TX

Acs Systems Inc
(713) 266-5893 9800 Centre Pkwy # 1100
Houston, TX

Debt collectors are America's most wanted criminals! They are criminals because they violate our consumer protection laws millions of times every day. Convicted or not, that easily makes them criminals for the simple reason that those who break our laws are criminals.

Hundreds of people including law enforcement must hunt for these criminals daily. That easily makes them the most wanted criminals in America today! The link above will lead you to a listing of thousands of America's most wanted criminals. I hope it helps you find the one you are looking for.

criminals

Adams Evens & Ross
(713) 225-1211
Houston, TX

Alegis Corp
(713) 784-9966 9700 Richmond Ave
Houston, TX

Allied Data Corp
(281) 558-7176 13111 Westheimer Rd # 4
Houston, TX

American Collections & Credit
(281) 589-9281 1880 S Dairy Ashford St
Houston, TX

American Medical Adjusters Inc
(713) 932-8240 9575 Katy Fwy # 425
Houston, TX

American Systems Management
(713) 451-8955 58 Evanston St # 2
Houston, TX

Amity
(281) 759-1340 7400 Harwin Dr
Houston, TX

Amity
(281) 759-1340 1618 Beaconshire Rd
Houston, TX

Arc
(281) 820-0515 507 N Sam Houston Pkwy E # 110
Houston, TX

Assettrack Inc
(713) 789-8722 6060 Richmond Ave # 222
Houston, TX

Be sure to visit the CREDITWRENCH blog every day!

Benefit Recovery Specialists
(713) 880-8791 1111 North Loop W # 1000
Houston, TX

Bfi Inc
(713) 937-9955 11315 W Little York Rd
Houston, TX

Billcol Billing & Collection
(713) 782-0009 6250 Westpark Dr
Houston, TX

Business Creditor Management
(713) 981-1570 505 N Sam Houston Pkwy E # 120
Houston, TX

Carlton Co Inc
(713) 975-9350 2323 S Voss Rd # 460
Houston, TX

Ccp & Assoc
(713) 796-9800
Houston, TX

Cem Recovery Service
(713) 771-7624 9222 Petersham Dr
Houston, TX

Centralaccount Services
(713) 892-5012 24 E Greenway Plz
Houston, TX

Certified Recovery Systems
(713) 464-4449 7207 Regency Square Blvd
Houston, TX

Check Collections Of America
(713) 784-3395 2650 Fountain View Dr # 225
Houston, TX

Checkcare Systems Inc
(713) 975-8200 3100 Wilcrest Dr # 240
Houston, TX

Child Support Specialists
(713) 225-5437 2500 Wilcrest Dr # 300
Houston, TX

Cisco Inc
(713) 461-9407 1702 Townhurst Dr
Houston, TX

Cmfg
(713) 784-1680 10333 Richmond Ave
Houston, TX

Collection Bureau Inc
(713) 840-1140 4242 Richmond Ave
Houston, TX

Collections Unlimited Inc
(281) 558-8818 14925 Memorial Dr # 125
Houston, TX

Commercial Collection Inc
(713) 782-8860 PO Box 742152
Houston, TX

Consolidated Cable Solutions
(713) 856-7900 11875 W Little York Rd # 605
Houston, TX

Continental Credit Adjusters
(713) 780-7030 800 Wilcrest Dr # 300
Houston, TX

Credit Management Consulting
(713) 466-6688 8414 Mosshang Ct
Houston, TX

Credit Management Service
(713) 744-5420 5300 Hollister St # 500
Houston, TX

Credit Service Co Of Houston
(713) 468-2179 8707 Katy Fwy # 203
Houston, TX

Cru & Assoc Inc
(713) 988-5673 10500 Forum Place Dr
Houston, TX

Dtec Inc
(713) 464-2525 5900 Cunningham Rd
Houston, TX

Dun & Bradstreet Inc
(713) 781-1600 10777 Westheimer Rd # 1150
Houston, TX

Edward Burke & Assoc
(281) 444-5699 5206 Fm 1960 Rd W
Houston, TX

Edward T Burke & Assoc
(281) 679-6889 11222 Richmond Ave
Houston, TX

Enterprises Recovery Systems
(713) 776-8244 9894 Bissonnet St
Houston, TX

Equifax Risk Management Service
(713) 972-1924 9990 Richmond Ave
Houston, TX

F & S
(713) 278-1161 6430 Richmond Ave
Houston, TX

Frost-Arnett Co
(713) 963-8818 24 E Greenway Plz # 1804
Houston, TX

G C Service Ltd Partnership
(713) 777-4441 6330 Gulfton St
Houston, TX

Gillman, Michael - Gillman & Assoc
(281) 480-5545 17041 El Camino Real # 204
Houston, TX

Greenburg Grant & Richards
(713) 789-5893 5858 Westheimer Rd # 500
Houston, TX

Gulf Coast Collections Inc
(713) 973-9953 1220 Blalock Rd # 115
Houston, TX

Houston Business Enterprise
(713) 952-5588 6776 Southwest Fwy
Houston, TX

Independent Service Co
(713) 721-4214 5322 W Bellfort St # 207
Houston, TX

Insurex Inc
(281) 596-0400 11999 Katy Fwy # 160
Houston, TX

Intermax Recovery Inc
(281) 970-7120 9317 Sweetbrush Dr
Houston, TX

International Collection Service
(713) 668-1400 5821 Southwest Fwy # 310
Houston, TX

Interstate Credit Assn
(713) 523-7171 2915 Louisiana St
Houston, TX

Investment Recovery Management Inc
(713) 460-1557 9506 Clay Rd
Houston, TX

Itc
(713) 785-5418 7457 Harwin Dr # 115
Houston, TX

Judgement Proof Collection Service
(713) 222-8448 600 Travis St # 900
Houston, TX

Lee Max & Assoc
(281) 469-6652 440 Benmar Dr
Houston, TX

Lone Star Investigations
(713) 995-0897 10333 Harwin Dr # 400
Houston, TX

Ltd Financial Service
(713) 414-2100 7322 Southwest Fwy # 1600
Houston, TX

Manning Group
(281) 488-7372 15018 Waybridge Dr
Houston, TX

Market Recovery Analyst Inc
(713) 272-6878 9898 Bissonnet St # 660
Houston, TX

Marshall-Assoc
(713) 668-1277 2656 South Loop W # 580
Houston, TX

Mausser Associates
(281) 561-5963 12805 Carvel Ln
Houston, TX

Metro Recovery Systems
(713) 774-4459 8700 Commerce Park Dr
Houston, TX

Monshaugen & Van Huff
(713) 880-2992 5771 Enid St # A
Houston, TX

Multi-Data Systems
(713) 626-3955 3131 Timmons Ln
Houston, TX

Mustain & Assoc
(713) 774-2606 8303 Southwest Fwy # 455
Houston, TX

Nasco
(713) 995-1100 10101 Harwin Dr # 260
Houston, TX

National Claims Service
(713) 621-5181 4801 Richmond Ave # 29
Houston, TX

National Revenue Corp
(713) 964-2762 4801 Woodway Dr # 300
Houston, TX

Nationwide Credit Inc
(281) 931-2000 450 N Sam Houston Pkwy E # 240
Houston, TX

Ncs Inc
(713) 414-7700 9894 Bissonnet St # 650
Houston, TX

Ndr Ltd
(713) 782-5716 2950 S Gessner Rd
Houston, TX

Netwok Collection Systems
(713) 771-3519 9894 Bissonnet St # 650
Houston, TX

North West Collection Service Inc
(281) 890-1950 12345 Jones Rd # 154
Houston, TX

Osi Collection Service
(713) 785-9690 800 Wilcrest Dr # 300
Houston, TX

Price Jr, Hollis G - Price Jr Hollis G
(713) 629-1390 4615 Southwest Fwy # 472
Houston, TX

Price Laughlin & Co
(713) 932-8677
Houston, TX

Risk Management Alternatives
(281) 560-7000 7324 Southwest Fwy # 1100
Houston, TX

Rma
(713) 972-1179 9990 Richmond Ave # 300
Houston, TX

S & S Financial
(713) 522-3637 5206 La Branch St
Houston, TX

S & S Financial
(713) 942-8879 5901 Schumacher Ln
Houston, TX

Sean Collections
(281) 564-4433 6701 Tres Lagunas
Houston, TX

Select Net Recovery System
(713) 953-1403 2825 Wilcrest Dr
Houston, TX

Sky Recovery Service
(281) 679-9000 12000 Westheimer Rd # 233
Houston, TX

Solomon & Pruitt Inc
(832) 242-5000 2602 Washington Ave # C
Houston, TX

Southwest Investigations
(832) 252-1738 7457 Harwin Dr # 368
Houston, TX

Surpra's
(713) 952-3375 6300 Richmond Ave
Houston, TX

Synergy Business Service
(713) 953-0025 2537 S Gessner Rd # 228
Houston, TX

Transworld Systems
(713) 460-9700 5300 Hollister St # 500
Houston, TX

Trs Corp
(713) 952-8291 3000 Wilcrest Dr # 300
Houston, TX

United Check Control
(281) 481-4100 1235 North Loop W
Houston, TX

United Check Control Inc
(713) 845-7205 1735 North Loop W # 800
Houston, TX

United Recovery Systems
(713) 977-1234 3100 S Gessner Rd # 400
Houston, TX

Florida Clerks of Court

2005-05-13T20:10:00.000-05:00

Florida Clerks of Court

Alachua County Clerk of Court
P.O. Box 600
Gainesville, FL 32602-0600
352-374-3636
352-338-3201

Baker County Clerk of Court
339 E. Macclenny Ave.
Macclenny, FL 32063
904-259-8113
904-259-4176

Bay County Clerk of Court
P.O. Box 2269
Panama City, FL 32402
850-763-906
850-747-5359

Bradford County Clerk of Court
945 North Temple Ave.
Starke, Florida 32091
904-964-6280
904-964-4454

Brevard County Clerk of Court
P.O Box 219
Titusville, Florida 32781-0219
321-637-5413
321-264-6949

Broward County Clerk of Court
201 S.E. 6th St.
Fort Lauderdale, FL 33301
954-712-7899
None

Calhoun County Clerk of Court
20859 SE Central Avenue E.
Blountstown, FL 32424
850-674-4545
850-674-5553

Charlotte County Clerk of Court
P.O. Box 511687
Punta Gorda, FL 33951-1687
941-637-2199
None

Citrus County Clerk of Court
110 N. Apopka Ave.
Inverness, FL 34450
352-341-6400
352-341-6491

Clay County Clerk of Court
P. O. Box 698
Green Cove Springs, FL 32043-0698
904-284-6317
904-284-6390

Collier County Clerk of Court
3301 East Tamiami Trail
Naples, FL 34112
239-732-2645
239-775-2755

Columbia County Clerk of Court
P.O. Box 2069
Lake City, FL 32056-2069
386-758-1191
386-719-7401

Desoto County Clerk of Court
115 East Oak Street
Arcadia, FL 34266
863-993-4876
863-993-4669

Dixie County Clerk of Court
P.O. Box 1206
Cross City, FL 32628
352-498-1200
352-498-1201

Duval County Clerk of Court
330 E. Bay Street
Room 103, Jacksonville, FL 32202
904-630-2028
904 630-2979

Escambia County Clerk of Court
190 Governmental Center
Pensacola, FL 32501
850-595-4310
850-595-4316

Flagler County Clerk of Court
P.O. Box 787
Bunnell, FL 32110
386-437-7410
386-437-7406

Franklin County Clerk of Court
33 Market St., Suite 203
Apalachicola, Florida 32329-0340
850-653-8861 or 850-697-2112 (toll-free)
850-653-2261

Gadsden County Clerk of Court
P.O. Box 1649
Quincy, Florida 32353
850-875-8601
850-875-8612

Gilchrist County Clerk of Court
P.O. Box 37
Trenton, Florida 32693
352-463-3170 or 800-267-3182
352-463-4050

Glades County Clerk of Court
P.O. Box 10
Moorehaven, Florida 33471
863-946-0113
863-946-0560

Gulf County Clerk of Court
1000 Costin Blvd.
Port St. Joe, Florida 32456
850-229-6112
850-229-6174

Hamilton County Clerk of Court
207 N.E. First Street, Room 106
Jasper, Florida 32052-2000
386-792-1288
386-792-3524

Hardee County Clerk of Court
Post Office Drawer 1749
Wauchula, Florida 33873-1749
863-773-4174
863-773-4422

Hendry County Clerk of Court
P.O. Box 1760
Labelle, Florida 33975-1760
863-675-5217
863-675-5238

Hernando County Clerk of Court
20 N. Main St., Room 130
Brooksville, Florida 34601-2800
352-754-4201
352-754-4247

Highlands County Clerk of Court
590 South Commerce Ave.
Sebring, Florida 33870-3867
863-402-6564
863-402-6768

Hillsborough County Clerk of Court
P.O. Box 1110
Tampa, Florida 33601-1110
813-276-8100
813-272-6518

Holmes County Clerk of Court
P.O. Box 397
Bonifay, Florida 32425
850-547-1100
850-547-6630

Indian River County Clerk of Court
P.O. Box 1028
Vero Beach, Florida 32961
772-770-5185
772-770-5008

Jackson County Clerk of Court
P.O. Box 510
Marianna, Florida 32447
850-482-9552
850-482-7849

Jefferson County Clerk of Court
Room 10, Jefferson County Courthouse
Monticello, Florida 32344
850-342-0218
850-342-0222

Lafayette County Clerk of Court
P.O. Box 88
Mayo, Florida 32066-0088
386-294-1600
386-294-4231

Lake County Clerk of Court
P.O. Box 7800
Tavares, Florida 32778-7800
352-742-4100
352-742-4110

Lee County Clerk of Court
P.O. Box 2469
Ft. Myers, Florida 33902
239-335-2283
239-335-2440

Leon County Clerk of Court
P.O. Box 726
Tallahassee, Florida 32302-0726
850-577-4000
850-921-1310

Levy County Clerk of Court
P.O. Box 610
Bronson, Florida 32621
352-486-5229
352-486-5166

Liberty County Clerk of Court
P.O. Box 399
Bristol, Florida 32321
850-643-2215
850-643-2866

Madison County Clerk of Court
P.O. Box 237
Madison, Florida 32341
850-973-1500
850-973-2059

Manatee County Clerk of Court
P.O. Box 25400
Bradenton, Florida 34206
941-749-1800
941-741-4082

Marion County Clerk of Court
P.O. Box 1030
Ocala, Florida 34478-1030
352-620-3904
352-620-3300

Martin County Clerk of Court
P.O. Box 9016
Stuart, Florida 34995-9016
772-288-5718
772-288-5991

Miami-Dade County Clerk of Court
73 W. Flagler St., Suite 135
Miami, FL 33130
305-275-1155
305-375-2485

Monroe County Clerk of Court
500 Whitehead St.
Key West, Florida 33040
305-292-3550

Nassau County Clerk of Court
191 Nassau Place
Yulee, Florida 32097
904-321-5700
904-321-5795

Okaloosa County Clerk of Court
101 E. James Lee Blvd.
Crestview, Florida 32536
850-689-5800
850-689-5818

Okeechobee County Clerk of Court
304 NW 2nd Street, Room 101
Okeechobee, Florida 34972
863-763-2131
863-763-1557

Orange County Clerk of Court
P.O. Box 4994
Orlando, Florida 32801
407-836-2060
None

Osceola County Clerk of Court
2 Courthouse Square Suite 2000
Kissimmee, Florida 34741
407-343-3500
407-343-3699

Palm Beach County Clerk of Court
301 N. Olive Ave., Room 503
West Palm Beach, Florida 33401
561-355-2996
561-355-6727

Pasco County Clerk of Court
38053 Live Oak Ave.
Dade City, Florida 33523
(800) 368-4274
None

Pinellas County Clerk of Court
315 Court Street
Clearwater, Florida 33756
727-464-3267
727-464-4162

Polk County Clerk of Court
Drawer CC-1, P.O. Box 9000
Bartow, Florida 33831-9000
863-534-4540
863-534-4584

Putnam County Clerk of Court
P.O. Box 758
Palatka, Florida 32178-0758
386-329-0361
386-329-0888

St. Johns County Clerk of Court
P.O. Box 300
St. Augustine, Florida 32085-0300
904-823-2333
904-819-3661

St. Lucie County Clerk of Court
221 S. Indian River Dr.
Ft. Pierce, Florida 34950
772-462-6900
772-462-1614

Santa Rosa County Clerk of Court
P.O. Box 472
Milton, Florida 32572-0472
850-623-0135
850-626-9994

Sarasota County Clerk of Court
P.O. Box 3079
Sarasota, Florida 34230-3079
941-861-7400

Seminole County Clerk of Court
P.O. Box 8099
Sanford, Florida 32772-8099
407-665-4313
407-330-7193

Sumter County Clerk of Court
209 N. Florida Street
Bushnell, Florida 33513
352-793-0215
352-568-6608

Suwannee County Clerk of Court
Suwannee County Courthouse
200 S. Ohio/MLK Jr. Ave.
Live Oak, Florida 32064
386-362-0500
386-362-0548

Taylor County Clerk of Court
P.O. Box 620
Perry, Florida 32347
850-838-3506
850-838-3549

Union County Clerk of Court
55 W. Main Street
Courthouse, Room 103
Lake Butler, Florida 32054
386-496-3711
386-496-1718

Volusia County Clerk of Court
P.O. Box 6043
Deland, Florida 32721-6043
386-736-5915
386-822-5711

Wakulla County Clerk of Court
3056 Crawfordville Highway
Crawfordville, Florida 32327-0337
850-926-0905
850-926-0938

Walton County Clerk of Court
P.O. Box 1260
DeFuniak Springs, Florida 32433
850-892-8115
850-892-8130

Washington County Clerk of Court
P.O. Box 647
Chipley, Florida 32428-0647
850-638-6289
850-638-6297

Directory of Debt Collectors

2005-05-11T14:18:00.000-05:00

A & S COLLECTION ASSOCIATES, INC. ~P. O. BOX 395 ~ ~WILLIAMSTOWN ~VT ~05679

A-1 ACTION COLLECTION SERVICE ~441 E. BERNARD AVE. ~ ~GREENEVILLE ~TN

A.R.C. ACCOUNTS RECOVERY (USA) CORP LLC ~4240 GLANFORD AVENUE ~ ~VICTORIA ~BC

A/R CONSULTANTS ~P. O. BOX 2528 ~1417 DRAKES CREEK ROAD ~HENDERSONVILLE ~TN

AAA COLLECTION & COUNSELING & ~P. O. BOX 496 ~ ~COOKEVILLE ~TN ~38503 ~

ABC-AMEGA, INC. ~1100 MAIN STREET ~ ~BUFFALO ~NY

ACA RECEIVABLES COMPANY LLC ~2158 WEST 190TH STREET ~P. O. BOX 2829 ~TORRANCE ~CA ~90504

Be sure to visit the CREDITWRENCH message board every day!

ACADEMY COLLECTION SERVICE, INC. ~10965 DECATUR ROAD ~ ~PHILADELPHIA ~PA ~19154

ACB AMERICAN, INC. ~823 SCOTT STREET ~ ~COVINGTON ~KY ~41011
*
ACCELERATED SOLUTIONS LLC ~800 CRECENT CENTER DRIVE ~SUITE 500 ~FRANKLIN ~TN ~37067

ACCENT INSURANCE RECOVERY SOLUTIONS ~7171 MERCY ROAD ~ ~OMAHA ~NE ~68106

ACCOUNT MANAGEMENT SERVICES OF TN ~4721 TROUSDALE DR. SUITE 116 ~ ~NASHVILLE ~TN ~37220

ACCOUNT SERVICES COLLECTIONS INC ~1802 NE LOOP LOOP 410, SUITE 400 ~ ~SAN ANTONIO ~TX ~78217

ACCOUNT SERVICES, LLC ~5959 SHALLOWFORD RD, SUITE 427 ~P. O. BOX 25496 ~CHATTANOOGA ~TN ~37421

ACCOUNT SOLUTIONS GROUP, LLC ~205 BRYANT WOODS SOUTH ~ ~AMHERST ~NY ~14228

ACCOUNTS RECEIVABLES COLLECTION ~5705 STAGE RD SU 246 ~ ~BARTLETT ~TN ~38134

ACCOUNTS RECEIVABLES MANAGEMENT SERV. ~1410 INDUSTRIAL PARK ROAD ~ ~PARIS ~TN ~38242

ACCOUNTS RECEIVABLES MANAGEMENT, INC. ~155 MID ATLANTIC PRKWAY ~P. O. BOX 129 ~THOROFARE ~NJ ~08086

ACCOUNTS RECOVERY BUREAU INC ~555 VANREED ROAD ~P.O. BOX 6768 WYOMISSING ~PA ~19610

ACCOUNTS RESEARCH ~201 CENTER PARK DRIVE #1070 ~ ~KNOXVILLE ~TN ~37922

ACCU-CHECK COLLECTION SERVICES ~8 SOUTH JEFFERSON ST. ~P. O. BOX 386 ~WINCHESTER ~TN ~37398

ACTION COLLECTION AGENCY OF BOSTON ~422 WEST GROVE STREET ~P. O. BOX 902 ~MIDDLEBORO ~MA ~02346

ACTION COLLECTION AGENCY, INC. ~908 HARPETH VALLEY PLACE ~P. O. BOX 90453-37209 ~NASHVILLE ~TN ~37209

ACUSOURCE, LLC ~1029 LOCK FOUR ROAD ~ ~GALLATIN ~TN ~37066

ADVANCED CALL CENTER TECHNOLOGIES, LLC ~606 MORGAN BOULEVARD ~ ~HARLINGEN ~TX ~78550

ADVANCED RECOVERY SYSTEMS INC ~901 E 8TH AVE ~SUITE 206 ~KING OF PRUSSIA ~PA ~19406

ADVANTAGE INFORMATION SERVICES INC D/B/A~513 GARRISON AVENUE ~P.O. BOX 1707 ~FORT SMITH ~AR ~72902

AFFILIATED CREDITORS, INC. ~300 PEABODY STREET SUITE C ~ ~NASHVILLE ~TN ~37210

AFNI, INC. ~404 BROCK DRIVE ~P. O. BOX 3097 ~BLOOMINGTON ~IL ~61701

AIM HEALTHCARE SERVICES, INC. ~1021 WINDCROSS COURT ~ ~FRANKLIN ~TN ~37067

ALCON, CORP. ~65 LINDEN ~ ~MEMPHIS ~TN ~38103 ~

ALEGIS GROUP LP ~15 SOUTH MAIN STREET SUITE 600 ~ ~GREENVILLE ~SC ~29601 ~

ALEXANDER & HAMILTON ~2618 EDENBORN AVENUE 2ND FLOOR ~ ~METAIRIE ~LA ~70002 ~

ALLIANCEONE RECEIVABLES MANAGEMENT INC ~6565 KIMBALL DR SU 200 ~P. O. BOX 2449 ~GIG HARBOR ~WA ~98335 ~

ALLIED COLLECTION & CREDIT BUREAU, INC. ~2170 IDLEWOOD ROAD ~P. O. BOX 1723 ~TUCKER ~GA ~30084 ~

ALLIED INTERNATIONAL CREDIT CORP., (US) ~2101 W. PEORIA AVENUE, SU 120 ~ ~PHOENIX ~AZ ~85029 ~

ALLIED INTERSTATE, INC. ~435 FORD ROAD ~800 INTERCHANGE WEST ~MINNEAPOLIS ~MN ~55426 ~

ALPAT COMPANY, INC. ~40070 CANE AVENUE SU 400 ~P.O. BOX 1689 ~SLIDELL ~LA ~70459 ~

AMCOL SYSTEMS INC ~111 LANCEWOOD ROAD ~ ~COLUMBIA ~SC ~29210 ~

AMERICAN COLLECTION SERVICES INC ~3100 SW 59TH STREET ~ ~OKLAHOMA CITY ~OK ~73119 ~

AMERICAN COLLECTION SYSTEMS INC ~2500 CORPORATE EXCHANGE DRIVE ~SUITE 150 ~COLUMBUS ~OH ~43231

AMERICAN CORADIUS, INC. ~300 ESSJAY ROAD SU 150 ~ ~WILLIAMSVILE ~NY ~14221

AMERICAN DEBT COLLECTION COMPANY LLC ~2612 JACKSON AVENUE WEST ~PO BOX 1211 ~OXFORD ~MS ~38655

AMERICAN INTERNATIONAL RECOVERY, INC. ~P.O. BOX 2218 ~ ~ALPHARETTA ~GA ~30023

AMERICAN RECOVERY SYSTEMS INC ~1699 WALL STREET SU 300 ~ ~MT. PROSPECT ~IL ~60056 ~

AMO RECOVERIES ~P.O. BOX 8005 ~ ~CLEVELAND ~TN ~37320 ~

AMSHER COLLECTION SERVICES, INC. ~2090 COLUMBIANA ROAD ~SUITE 3000 ~BIRMINGHAM ~AL ~

ANDERSON, ANDERSON & ASSOC. ~P. O. BOX 41174 ~2517 WHITE AVE. ~NASHVILLE ~TN ~37204 ~

APPALACHIAN REGIONAL COLLECTION LLC ~162 E. JACKSON STREET SU 8 ~ ~GATE CITY ~VA ~24251 ~

ARGENT HEALTHCARE FINANCIAL SERVICES, IN~3500 WEST PETERSON AVENUE ~SUITE 300 ~CHICAGO ~IL ~60659 ~

ARMOR SYSTEMS CORPORATION TN ~2322 N. GREEN BAY ROAD ~ ~WAUKEGAN ~IL ~60087

ARROW FINANCIAL SERV. LLC ~5996 W. TOUHY AVENUE ~ ~NILES ~IL ~60714

ASCENSION RECOVERY MANAGEMENT LLC ~28035 N. AVENUE STANFORD ~ ~VALENCIA ~CA ~91355 ~

ASPEN NATIONAL FINANCIAL INC ~1048 INDEPENDENT AVENUE SU 210 ~ ~GRAND JUNCTION ~CO ~81505 ~

ASSET RECOVERY SYSTEMS,LLC ~6914 OFFICE PARK CIRCLE SU 175 ~ ~KNOXVILLE ~TN ~

ASSOCIATED CREDIT SERVICES INC ~105-B SOUTH STREET ~P. O. BOX 9100 ~HOPKINTON ~MA ~01748 ~

ASSOCIATED CREDITORS EXCHANGE, INC ~5151 NORTH HARLEM AVENUE ~SUITE #201 ~CHICAGO ~IL ~60656 ~

ASSOCIATED RECOVERY SYSTEMS ~201 W. GRAND AVENUE ~P. O. BOX 463023 ~ESCONDIDO ~CA ~92025 ~

ATLANTIC CREDIT & FINANCE INC ~3353 ORANGE AVE. ~ ~ROANOKE ~VA ~24012 ~

ATTENTION, LLC ~220 A NORTH SUNSET BLVD. ~ ~SHERMAN ~TX ~75092 ~

AUDIT SYSTEMS ~3696 ULMERTOM ROAD #200 ~ ~CLEARWATER ~FL ~33762 ~

AUTOMATED COLLECTION SERVICE, INC. ~2285 MURFREESBORO RD. SUITE 200 ~ ~NASHVILLE ~TN ~37217 ~

Be sure to visit the CREDITWRENCH blog every day!

BAY AREA CREDIT SERVICE LLC ~50 AIRPORT PARKWAY ~SUITE 100 ~SAN JOSE ~CA ~95110 ~

BNA FINANCIAL BUREAU, INC. ~8000 SAFARI DRIVE ~ ~SMYRNA ~TN ~37167 ~

BONDED COLLECTION CORPORATION ~29 E. MADISON AVENUE SUITE 1650 ~ ~CHICAGO ~IL ~60602 ~

BONDED CREDIT BUREAU ~6906 PLAINFIELD ROAD ~ ~CINCINNATI ~OH ~45236 ~

BRISTOL COLLECTION AGENCY, INC ~1304 WEST STATE STREET ~P. O. BOX 743 ~BRISTOL ~TN ~37621 ~

BROWN COLLECTION AGENCY ~2640 LAFAYETTE ROAD ~ ~FT. OGELTHORPE ~GA ~30742 ~

BUREAU OF COLLECTION RECOVERY, INC. ~7575 CORPORATE WAY ~ ~EDEN PRAIRIE ~MN ~55344 ~

BUSINESS REVENUE SYSTEMS, INC. ~P.O. BOX 8986 ~ ~FORT WAYNE ~IN ~46808 ~

C AND C SERVICE CORP., INC. ~105 SOUTHEAST PKWY. DR. SU. 103 ~P. O. BOX 589 ~FRANKLIN ~TN ~37065 ~

C AND F SYSTEMS, INC. ~915 KELLEY ROAD ~PO BOX 11067 ~MEMPHIS ~TN ~38111 ~

C.B. ACCOUNTS, INC. ~1101 MAIN STREET SUITE 201 ~PO BOX 1289 ~PEORIA ~IL ~61606 ~

C/C FINANCIAL GROUP INC ~101 SOUTH CHURCH STREET ~PO BOX 300 ~DRESDEN TN ~38225

C2C RESOURCES LLC ~76 PERIMETER CENTER EAST SU 7600 ~ ~ATLANTA ~GA ~30346 ~

CAC FINANCIAL CORP. ~2601 N.W. EXPRESSWAY, SUITE 1000 E ~ ~OKLAHOMA ~OK ~73112 ~

CAINE & WEINER COMPANY INC ~15025 OXNARD STREET SU 100 ~ ~VAN NUYS ~CA ~91411 ~

CAPITAL COLLECTION SERVICES INC ~3850 FERNANDINA ROAD ~ ~COLUMBIA ~SC ~29210

CAPITAL MANAGEMENT SERVICES, INC. ~726 EXCHANGE STREET, SUITE 700 ~ ~BUFFALO ~NY ~

CAPITAL RECOVERY SERVICE, LLC ~10340 DEMOCRACY LANE SU 300 ~ ~FAIRFAX ~VA ~22030 ~

CAPITAL RESOURCE EXCHANGE INC ~310 CHURCH STREET ~P. O. BOX 200 ~TIPTONVILLE ~TN ~38079 ~

CAS OF TENNESSEE ~1982 MADISON AVE. ~P. O. BOX 40916 ~MEMPHIS ~TN ~38174 ~

CASH-PRO, INC. ~2309 N. KENTUCKY AVENUE ~SUITE D ~EVANSVILLE ~IN ~47711 ~

CAVALRY PORTFOLIO SERVICES LLC ~4050 E. COTTON CENTER BLVD ~BLDG. #2 SUITE 20 ~PHOENIX ~AZ ~85040 ~

CCB CREDIT SERVICES INC ~5300 SOUTH 6TH STREET ~ ~SPRINGFIELD ~IL ~62703 ~

CENTRAL FINANCIAL CONTROL ~3221 MCKELVEY RD. SU. 201 ~ ~BRIDGETON ~MO ~63044 ~

CENTRAL PORTFOLIO CONTROL INC ~250 PRAIRIE CENTER DRIVE ~#125 ~EDEN PRAIRIE ~MN ~55344 ~

CERTEGY PAYMENT RECOVERY SERVICES, INC. ~11601 ROOSEVELT BLVD ~ ~ST PETERSBURG ~FL ~33716 ~

CERTIFIED RECOVERY SERVICE INC ~12 WAITE STREET ~SUITE B-1 ~GREENVILLE ~SC ~29607 ~

CHASE RECEIVABLES ~1247 BROADWAY ~ ~SONOMA ~CA ~95476 ~

CHECK LAW RECOVERY SYSTEMS, INC. ~2800 PERCY MACHIN DRIVE ~ ~NO LITTLE ROCK ~AR ~72114 ~

CHECKCARE OF CHATTANOOGA ~5330 RINGGOLD ROAD ~SUITE A ~CHATTANOOGA ~TN ~37412 ~

CHECKCARE SYSTEMS OF KNOXVILLE ~7035 MIDDLEBROOK PIKE ~ ~KNOXVILLE ~TN ~37950 ~

CHECKCARE SYSTEMS OF NASHVILLE ~1645 MURFREESBORO RD SUITE N ~CORP BUS. PARK P.O. BOX 171096 ~NASHVILLE ~TN ~37217 ~

CHECKCARE SYSTEMS, INC. ~4821 AMERICAN WAY #201 ~ ~MEMPHIS ~TN ~38118 ~

CHECKREDI ~4925 SPARKMAN DRIVE ~ ~HUNTSVILLE ~AL ~35810 ~

CHECKVELOCITY INC ~2109 ELLISTON PLACE ~ ~NASHVILLE ~TN ~37203 ~

CHILD SUPPORT NETWORK, INC. ~212 E. OSBORN ROAD SU 210 ~P. O. BOX 40320 ~PHOENIX ~AZ ~85012 ~

CISCO, INC. ~1702 TOWNHURST ~ ~HOUSTON ~TX ~77043 ~

CLIENT SERVICES, INC. ~3451 HARRY S. TRUMAN BLVD. ~ ~ST. CHARLES ~MO ~63301 ~

COAST FINANCIAL SERVICES, INC. ~2325 HIGHWAY 90 EAST ~ ~GAUTIER ~MS ~39553 ~

COLLECTCORP CORPORATION ~300 INTERNATIONAL DRIVE SU 100 ~ ~WILLIAMSVILLE ~NY ~14221 ~

COLLECTECH SYSTEMS, INC. ~31229 CEDAR VALLEY DRIVE ~ ~WESTLAKE VILLAGE ~CA ~91362 ~

COLLECTION BUREAU OF THE HUDSON VALLEY I~155 NORTH PLANK ROAD ~ ~NEWBURGH ~NY ~12550 ~

COLLECTION COMPANY OF AMERICA ~700 LONGWATER DRIVE ~ ~NORWELL ~MA ~02061 ~

COLLECTION INFORMATION BUREAU INC ~202 NORTH FEDERAL HIGHWAY ~ ~LAKE WORTH ~FL ~33460 ~

COLLECTION MANAGEMENT SERVICE, INC. ~705 SOUTH FIRST ~P. O. BOX 545 ~UNION CITY ~TN ~38261 ~

COLLECTION SERVICE GROUP ~620 CHEROKEE BLVD SUITE 200 ~ ~CHATTANOOGA ~TN ~37405 ~

COLLECTION TECHNOLOGY, INC. ~99 E. PROVIDENCIA AVENUE ~ ~BURBANK ~CA ~91502 ~

COLLECTIONS INCORPORATED ~114 WEST HALL OF FAME ~PO BOX 637 ~STILLWATER ~OK ~74076 ~

COLLECTIONS UNLIMITED OF TEXAS ~14925 MEMORIAL DRIVE, SUITE 125 ~ ~HOUSTON ~TX ~77079 ~

COMPUTER CREDIT, INC. ~640 W. 4TH STREET ~P. O. BOX 5238 ~WINSTON-SALEM ~NC ~27113 ~

CONSERVE ~200 CROSSKEYS OFFICEPARK ~ ~FAIRPORT ~NY ~14450 ~12/31/2005

CONSOLIDATED RECOVERY SYSTEMS ~2650 THOUSAND OAK BLVD. SU 4220 ~ ~MEMPHIS ~TN ~

CONTINENTAL CENTRAL CREDIT OF MASSACHUSE~1817 ASTON AVENUE ~SUITE 105 ~CARLSBAD ~CA ~92008 ~

CORPORATE COLLECTION SERVICES, INC ~23220 CHARGIN BLVD #400 ~BLDG #2 ~BEACHWOOD ~OH ~

CREDIT AMERICA ~80 WEST UPPER FERRY ROAD ~SUITE ONE ~WEST TRENTON ~NJ ~08628 ~

CREDIT BUREAU COLLECTION SERVICES, INC. ~236 EAST TOWN STREET ~ ~COLUMBUS ~OH ~43215 ~

CREDIT BUREAU DATA INC ~226 N SIXTH STREET ~P. O. BOX 2288 ~LA CROSSE ~WI ~54602 ~

CREDIT BUREAU OF NORTH AMERICA,LLC ~P. O. BOX 550 ~ ~DICKSON ~TN ~37056 ~

CREDIT BUREAU SYSTEMS OF ALABAMA, INC. ~550 GREENSBORO AVE. SU. 201 ~ ~TUSCALOOSA ~AL ~35401 ~

CREDIT BUREAU SYSTEMS, INC. ~121 W. DUNBAR CAVE ROAD ~P. O. BOX 482 ~CLARKSVILLE ~TN ~37041 ~

CREDIT COLLECTION CO. ~108 SOUTH PINE ST. ~ ~ELIZABETHTON ~TN ~37643 ~

CREDIT COLLECTION SERVICES ~2 WELLS AVENUE ~ ~NEWTON ~MA ~02459 ~

CREDIT MANAGEMENT CONTROL INC ~2707 RAPIDS DRIVE ~PO BOX 1408 ~RACINE ~WI ~

CREDIT MANAGEMENT, LP ~4200 INTERNATIONAL PKWY ~ ~CARROLLTON ~TX ~75007 ~

CREDIT PLUS COLLECTION SERVICE ~2491 PAXTON STREET ~PO BOX 67533 ~HARRISBURG ~PA ~17106

CREDIT PROTECTION ASSOCIATION, L.P. ~13355 NOEL ROAD, SUITE 2100 ~ ~DALLAS ~TX ~75240 ~

CREDIT SERVICE OF NORTHWEST TENNESSEE ~415 W. COURT STREET ~P. O. BOX 561 ~DYERSBURG ~TN ~38025 ~

CREDIT WORLD SERVICES INC ~600 MARTWAY ~ ~SHAWNEE MISSION ~KS ~66202 ~

CREDITORS INTERCHANGE AGENCY LLC ~80 HOLTZ DRIVE ~ ~CHEEKTOWAGA ~NY ~14225 ~

CRESCENT RECOVERY LLC ~700 INDEPENDENCE PARKWAY ~SUITE 200 ~CHESAPEAKE ~VA ~23320

CROSS COUNTRY COLLECTIONS INC ~2831 EAST OAKLAND AVENUE ~ ~JOHNSON CITY ~TN ~37601 ~

CROSSLAND SERVICES, LLC ~2150 WILMA RUDOLPH BLVD. ~SUITE #1 ~CLARKSVILLE ~TN ~37040 ~

CSE CHILD SUPPORT ENFORCEMENT CO ~4120 FREIDRICH LANE SU 175 ~ ~AUSTIN ~TX ~78744 ~

CST COMPANY ~811 S 2ND STREET ~ ~LOUISVILLE ~KY ~40203 ~

CU RECOVERY INC ~26263 FOREST BLVD ~ ~WYOMING ~MN ~55092 ~
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DALECO ADJUSTMENT SERVICES ~1506 ADAIR AVE. ~ ~CHATTANOOGA ~TN ~37412 ~

DEBT RECOVERY SOLUTIONS LLC ~900 MERCHANTS CONCOURSE ~SUITE 106 ~WESTBURY ~NY ~11590 ~

DELTA MANAGEMENT ASSOCIATES INC ~100 EVERETT AVENUE #6 ~PO BOX 9191 ~CHELSEA ~MA ~02150 ~

DI RECMANAGEMENT INC ~4320 DOWNTOWNER LOOP S. A ~P. O. BOX 16243 ~MOBILE ~AL ~36609 ~

DIRECT SOURCE MANAGEMENT ~557C JOHNNY CASH PARKWAY ~ ~HENDERSONVILLE ~TN ~37075 ~

DIVERSIFIED ADJUSTMENT SERVICE, INC. ~600 COON RAPIDS BOULEVARD ~ ~COON RAPIDS ~MN ~55433 ~

DIVERSIFIED COLLECTION SERVICE, INC. ~333 NORTH CANYONS PKWY., SUITE 100 ~ ~LIVERMORE ~CA ~94551 ~

DIVERSIFIED RECEIVABLE SOLUTIONS ~1807 PATTERSON STREET ~ ~NASHVILLE ~TN ~37203 ~

DIVERSIFIED RECOVERY SERVICES, INC. ~1164 VICKERY LANE ~SUITE 103 ~CORDOVA ~TN ~38016 ~

DRENNAN TAYLOR AND ASSOCIATES INC ~P. O. BOX 4057 ~ ~MURFREESBORO ~TN ~37133 ~

DUN & BRADSTREET RECEIVABLE MANAGEMENT S~4836 BREAKSVILLE ROAD ~ ~RICHFIELD ~OH ~44286 ~

DUN & BRADSTREET, INC. ~340 INTERSTATE PARKWAY NORTH SU 200 ~ ~ATLANTA ~GA ~30339 ~

DYNAMIC RECOVERY SERVICES INC ~2775 VILLA CREEK DRIVE #290 ~ ~FARMERS BRANCH ~TX ~75234 ~

ELITE RECOVERY SERVICES INC ~701 SENECA STREET, 4TH FLOOR ~ ~BUFFALO, NY 14210 ~NY ~14210 ~

EMCC INC DBA RESORT MANAGEMENT INTERNATI~33 RIVERSIDE DRIVE ~ ~PEMBROKE ~MA ~02359 ~

ENCORE RECEIVABLES MANAGEMENT INC ~400 NORTH ROGERS ROAD ~ ~OLATHE ~KS ~66062 ~

ENHANCED RECOVERY CORPORATION ~8014 BAYBERRY ROAD ~ ~JACKSONVILLE ~FL ~32256 ~

ENTERPRISE RECOVERY SYSTEMS, INC. ~2400 SOUTH WOLF ROAD ~SUITE 200 ~WESTCHESTER ~IL ~60154

ER SOLUTIONS, INC. ~500 SW 7TH STREET, SU A100 ~ ~RENTON ~WA ~98055 ~

ESTATE RECOVERIES, INC. ~5543 HARFORD ROAD ~P. O. BOX 24566 ~BALTIMORE ~MD ~21214 ~

EXLSERVICE.COM (INDIA) PRIVATE LIMITED ~C/O COPILEVITS & CANTER, LLC ~423 W. EIGHTH STREET, STE 400 ~KANSAS CITY ~MO ~64105 ~

F. A. MANAGEMENT COMPANY ~480 JAMES ROBERTSON PARKWAY ~P. O. BOX 2510 ~NASHVILLE ~TN ~37219 ~

FEDCHEX RECOVERY LLC ~17252 ARMSTRONG AVENUE ~SUITE E ~IRVINE ~CA ~92614 ~

FIDELITY INFORMATION CORPORATION ~17383 SUNSET BLVD #370 ~ ~PACIFIC PALISADES ~CA ~90272 ~

FIDELITY NATIONAL CREDIT SERVICES LTD ~2411 N. GLASSELL STREET ~ ~ORANGE ~CA ~92865 ~

FINANCIAL ACCOUNTS SERV. ~P.O. BOX 11567 ~8300 KINGSTON PIKE ~KNOXVILLE ~TN ~37919 ~

FINANCIAL ASSET MANAGEMENT SYSTEMS, INC.~3740 DAVINCI COURT # 420 ~ ~NORCROSS ~GA ~30092 ~

FINANCIAL COLLECTION AGENCY OF TN ~P. O. BOX 34235 ~ ~BARTLETT ~TN ~38134 ~

FINANCIAL RECOVERY ORGANIZATION ~800 HARRISON PIKE ~PO BOX 2203 ~CLEVELAND ~TN ~37320 ~

FINANCIAL RECOVERY SERVICES, INC. ~4640 W. 77TH STREET #300 ~ ~EDINA ~MN ~55435

FIRST AUTOMATED SYSTEMS & TECHNOLOGY INC~4900 PARKWAY DRIVE ~SUITE 190 ~MASON ~OH ~45040 ~

FIRST COLLECTIONS ~10925 OTTER CREEK EAST BLVD. ~ ~MABELVALE ~AR ~72103 ~

FIRST FINANCIAL ASSET MANAGEMENT INC ~230 PEACHTREE STREET ~SUITE 1700 ~ATLANTA ~GA ~30303 ~

FIRST PERFORMANCE RECOVERY CORP. ~4901 NW 17 WAY ~SUITE 201 ~FORT LAUDERDALE ~FL ~33309 ~

FIRST RESOLUTION MANAGEMENT CORP. ~2985 VIRTUAL WAY #400 ~ ~VANCOUVER BC CANADA ~

FIRSTCOLLECT, INC. ~100 SPARKS VALLEY ROAD ~SUITE D ~SPARKS ~MD ~21152 ~

FIRSTPOINT COLLECTION RESOURCES, INC. ~225 COMMERCE PLACE ~ ~GREENSBORO ~NC ~27401 ~

FMA ALLIANCE, LTD ~11811 NORTH FREEWAY SU 900 ~ ~HOUSTON ~TX ~77060 ~

FMS INC ~4915 SOUTH UNION AVENUE ~ ~TULSA ~OK ~74107 ~

FOCUS RECEIVABLES MANAGEMENT LLC ~2700 CUMBERLAND PKWY ~SUITE 540 ~ATLANTA ~GA ~30339 ~

FOX COLLECTION CENTER, INC. ~P. O. BOX 528 ~ ~GOODLETTSVILLE ~TN ~37070 ~

FRANKLIN COLLECTION SERVICE, INC. ~2978 WEST JACKSON STREET ~P. O. BOX 3910 ~TUPELO ~MS ~38803 ~

FREDERICK J HANNA AND ASSOCIATES ~1655 ENTERPRISE WAY ~ ~MARIETTA ~GA ~30067 ~

FROST-ARNETT COMPANY ~480 JAMES ROBERTSON PKWY. ~P. O. BOX 198988 ~NASHVILLE ~TN ~37219 ~

G. C. SERVICES LIMITED PARTNERSHIP ~ATTN: VERONICA SANCHEZ ~6330 GULFTON ~HOUSTON ~TX ~77081 ~

GAULT FINANCIAL LLC ~6914 OFFICE PARK CIRCLE ~ ~KNOXVILLE ~TN ~37909 ~

GENERAL REVENUE CORPORATION ~11501 NORTHLAKE DRIVE ~ ~CINCINNATI ~OH ~45249 ~

GENERAL SERVICES BUREAU INC ~8429 BLONDO STREET ~ ~OMAHA ~NE ~68134 ~

GENESIS FINANCIAL SOLUTIONS INC ~8405 SW NIMBUS AVENUE ~SUITE A ~BEAVERTON ~OR ~97008 ~

GLOBAL PAYMENTS CHECK RECOVERY SERV., IN~6215 W. HOWARD STREET ~ ~NILES ~IL ~60714 ~

GMAC MORTGAGE CORPORATION ~4 CORPORATE DRIVE ~ ~SHELTON ~CT ~06484 ~

GMF COLLECTIONS ~605 HIGHWAY 55 E ~ ~BUFFALO ~MN ~55313 ~

GREENEVILLE COLLECTIONS SERVICES, INC ~103 N. COLLEGE ~P. O. BOX 385 ~GREENEVILLE ~TN ~3774

HANNA & ASSOC. BILLINGS & COLLECTIONS SE~147 JEFFERSON,SUITE 710 ~ ~MEMPHIS ~TN ~38103

HARVARD COLLECTION SERVICES, I ~4839 NORTH ELSTON AVENUE ~ ~CHICAGO ~IL ~60630 ~

HELVEY & ASSOCIATES, INC. ~1015-1029 E. CENTER ST ~ ~WARSAW ~IN ~46580 ~

HOLLOWAY CREDIT BUREAU CO. ~807 FRANKLIN STREET ~PO BOX 27 ~HUNTSVILLE ~AL ~35804 ~

HOLLOWAY CREDIT SOLUTIONS, LLC ~1286 CARMICHAEL WAY P.O. BOX 230609 ~ ~MONTGOMERY ~AL ~36123 ~

HSI FINANCIAL SERVICES LLC ~1000 CIRCLE 75 PKWY SUITE 800 ~ ~ATLANTA ~GA ~30339 ~

HUTCHISON, PERRY AND ASSOCIATES, INC. ~4500 E. SPEEDWAY, SUITE 12 ~ ~TUCSON ~AZ ~85712 ~

I. C. SYSTEMS, INC. ~444 E. HWY. 96 ~P. O. BOX 64444 ~ST. PAUL ~MN ~55164 ~

IMBS COLLECTIONS ~1801 N.W. 66TH AVENUE, SUITE 200-C ~ ~PLANTATION ~FL ~33313 ~

IMMEDIATE CREDIT RECOVERY, INC. ~169 MYERS CORNERS ROAD SU 110 ~ ~WAPPINGERS FALLS ~NY ~12590 ~

IMPERIAL COLLECTION SERVICES ~2300 CLAYTON ROAD SU200 ~ ~CONCORD ~CA ~94520 ~

IMPERIAL CREDIT SYSTEMS INC ~125 N PARKSIDE DRIVE SU 302 ~ ~COLORADO SPRINGS ~CO ~80909 ~

INGRAM & ASSOCIATES, LLC ~1720 GENERAL GEORGE PATTON DRIVE ~ ~BRENTWOOD ~TN ~37027 ~

INTERNATIONAL COLLECTION AGENCY LLC ~2801 PROFESSIONAL PARKWAY ~ ~OCOEE ~FL ~34786 ~

INVESTMENT RECOVERY SERVICES, LLC ~P.O. BOX 1943 ~ ~GREENEVILLE ~TN ~37744 ~

ISLAND NATIONAL GROUP LLC ~6851 JERICHO TURNPIKE ~SUITE 180 ~SYOSSET ~NY ~11791 ~

J. C. CHRISTENSEN & ASSOCIATES, INC. ~215 N. BENTON DRIVE ~P. O. BOX 519 ~SAUK RAPIDS ~MN ~56379 ~

JASIEL WILMOTH & ASSOCIATES, INC. ~148 E. NOLLEY DRIVE ~P. O. BOX 1359 ~COLLIERVILLE ~TN ~38027 ~

JNR ADJUSTMENT COMPANY, INC. ~2905 NORTHWEST BLVD SU 220 ~ ~MINNEAPOLIS ~MN ~55441 ~

JOHNSON CITY COLLECTION SERVICE ~951 W. MAIN ~P. O. BOX 2004 ~JENKS ~OK ~74037 ~

JON BARRY AND ASSOCIATES INC ~216 LEPHILLIP CT ~P. O. BOX 127 ~CONCORD ~NC ~28025 ~

JOSLIN SERVICING LLC ~315 W. COURT STREET ~P. O. BOX 1168 ~DYERSBURG ~TN ~38025 ~

KCA FINANCIAL SERVICES INC ~628 NORTH 53 ~ ~GENEVA ~IL ~60134 ~

LDG FINANCIAL SERVICES LLC ~4553 WINTERS CHAPEL ROAD ~ ~ATLANTA ~GA ~30360 ~

LINEBARGER, GOGGAN, BLAIR & SAMPSON, LLC~2323 BRYAN ~SUITE 1600 ~DALLAS ~TX ~75201 ~

LML PAYMENT SYSTEMS CORPORATION ~1330 RIVER BEND DR. SUITE 600 ~ ~DALLAS ~TX ~75247 ~

LOU HARRIS CO ~613 ACADEMY DRIVE ~ ~NORTHBROOK ~IL ~60062 ~

LTD FINANCIAL SERVICES, INC. ~7322 SOUTHWEST FWY. #1600 ~ ~HOUSTON ~TX ~77074 ~

M A R S INC ~4530 SOUTH SHERIDAN ROAD ~SUITE 106 ~TULSA ~OK ~74145 ~

M.R.S. ASSOCIATES, INC. ~3 EXECUTIVE CAMPUS ~SUITE 400 ~CHERRY HILL ~NJ ~08002 ~

MACON COUNTY COLLECTION & CREDIT REPORTI~104 SCOTTSVILLE ROAD ~PO BOX 57 ~LAFAYETTE ~TN ~37083 ~

MALCOLM S GERALD AND ASSOCIATES, INC. ~332 S MICHIGAN AVE SU 514 ~ ~CHICAGO ~IL ~60604 ~

MAR-JOE ENTERPRISES ~PO BOX 1514 ~ ~MORRISTOWN ~TN ~37816 ~

MARYVILLE COLLECTION SERVICE, INC. ~400 E. BROADWAY ~P. O. BOX 4416 ~MARYVILLE ~TN ~37802 ~

MCCARTHY BURGESS & WOLFF INC ~26000 CANNON ROAD ~ ~CLEVELAND ~OH ~44146 ~

MEDIA COLLECTIONS INC DBA JOSEPH MANN & ~20600 CHAGRIN BLVD #550 ~ ~SHAKER HEIGHTS ~OH ~44122 ~

MEDICAL ACCOUNTING SERVICE ~5626 FRANTZ ROAD ~ ~DUBLIN ~OH ~43017 ~

MEDICAL COLLECTIONS OF THE TRI-CITIES ~2004 AMERICAN WAY SU 101 ~ ~KINGSPORT ~TN ~37660 ~

MEDICAL FINANCIAL SERVICES, INC. ~5100 POPLAR AVE. ROOM 2020 ~ ~MEMPHIS ~TN ~38137 ~

MEDICAL REVENUE SERVICE ~2001 9TH AVE. SUITE 312 ~ ~VERO BEACH ~FL ~32960 ~

MERCANTILE ADJUSTMENT LLC ~6390 MAIN STREET ~ ~WILLIAMSVILLE ~NY ~14221 ~

MERCHANT'S CREDIT GUIDE CO ~223 W. JACKSON, SUITE 900 ~ ~CHICAGO ~IL ~60606 ~

MERCHANTS AND MEDICAL CREDIT CORP. ~6324 TAYLOR DRIVE ~ ~FLINT ~MI ~48507 ~

MERIDIAN FINANCIAL SERVICES, INC. ~P.O. BOX 1410 ~ ~ASHEVILLE ~NC ~28802 ~

MID-SOUTH CREDIT BUREAUS INC ~1410 INDUSTRIAL PARK ROAD ~P. O. BOX 1567 ~PARIS ~TN ~38242 ~

MIDLAND CREDIT MANAGEMENT, INC. ~8875 AERO DRIVE ~SUITE 200 ~SAN DIEGO ~CA ~92123 ~

MISSOURI MEDICAL COLLECTIONS ~3952 S. FAIRVIEW ~ ~SPRINGFIELD ~MO ~65807 ~

MONTEREY FINANCIAL SERVICES, INC. ~4095 AVENIDA DE LA PLATA ~ ~OCEANSIDE ~CA ~92056 ~

MOUNTAIN STATE ADJUSTMENT ~123 W. 1ST STREET SUITE 430 ~ ~CASPER ~WY ~82601 ~

MSCB, INC. ~1410 INDUSTRIAL PARK ROAD ~P. O. BOX 1567 ~PARIS ~TN ~38242 ~

MUTUAL COLLECTION CO., INC. ~3485 POPLAR AVE. SU 230 ~P. O. BOX 11629 ~MEMPHIS ~TN ~38111 ~

NASHVILLE ADJUSTMENT BUREAU ~480 JAMES ROBERTSON PARKWAY ~P. O. BOX 198988 ~NASHVILLE ~TN ~37219 ~

NATIONAL ACTION FINANCIAL SERVICES, INC.~3587 PARKWAY LANE ~ ~NORCROSS ~GA ~30092 ~

NATIONAL ASSET RECOVERY INC. ~2880 DRESDEN DRIVE #200 ~ ~ATLANTA ~GA ~30341 ~

NATIONAL ASSET RECOVERY SERVICES INC ~733 G CROWN INDUSTRIAL COURT ~ ~CHESTERFIELD ~MO ~63005 ~

NATIONAL ASSOCIATION OF CREDIT ~EAST TENNESSEE ~P. O. BOX 6809 ~KNOXVILLE ~TN ~37914 ~

NATIONAL ASSOCIATION OF CREDIT ~P. O. BOX 1062 ~ ~LOUISVILLE ~KY ~40201 ~

NATIONAL CHILD SUPPORT ~P.O. BOX 42437 ~ ~CINCINNATI ~OH ~45242 ~

NATIONAL COLLECTION SYSTEMS, INC. ~1177 N. WARSON ROAD ~ ~ST LOUIS ~MO ~63132 ~

NATIONAL CREDIT AUDIT CORPORATION ~8512 ALLEN ROAD ~ ~PEORIA ~IL ~61615 ~

NATIONAL CREDIT SYSTEMS INC ~3800 CAMP CREEK PARKWAY ~BUILDING 1800 #110 ~ATLANTA ~GA ~30331 ~

NATIONAL ENTERPRISE SYSTEMS ~29125 SOLON ROAD ~ ~SOLON ~OH ~44139 ~

NATIONAL FINANCIAL GROUP, INC. ~6110 EXECUTIVE BLVD ~SUITE 100 ~ROCKVILLE ~MD ~20852 ~

NATIONAL FINANCIAL SYSTEMS INC ~600 WEST JOHN STREET ~ ~HICKSVILLE ~NY ~11801 ~

NATIONAL INDUSTRIAL & COMMERCI ~P. O. BOX 2043 ~ ~CORDOVA ~TN ~38088 ~

NATIONAL REVENUE CORP. ~4000 EAST FIFTH AVENUE ~ ~COLUMBUS ~OH ~43219 ~

NATIONS RECOVERY CENTER ~6491 PEACHTREE INDUSTRIAL BLVD ~ ~ATLANTA ~GA ~30360 ~

NATIONWIDE CREDIT CORPORATION ~5503 CHEROKEE AVENUE ~ ~ALEXANDRIA ~VA ~22312 ~

NATIONWIDE CREDIT, INC. ~ATT: DAVE GALEOTTI ~2015 VAUGHN ROAD ~KENNESAW ~GA ~30144 ~

NATIONWIDE RECOVERY SYSTEMS, LTD ~2304 TARPLEY DRIVE SUITE 134 ~ ~CARROLLTON ~TX ~75006

NCB MANAGEMENT SERVICES, INC. ~FOUR GREENWOOD SQUARE SU 220 ~3325 STREET ROAD ~BENSALEM ~PA ~19020 ~

NCC BUSINESS SERVICES, INC. ~3733 UNIVERSITY BLVD WEST ~SUITE 300 ~JACKSONVILLE ~FL ~

NCO FINANCIAL SYSTEMS, INC. ~140 SPRINT DRIVE ~ ~BLOUNTVILLE ~TN ~37617 ~

NOR-DON COLLECTION NETWORK INC ~325 MILNER AVENUE ~SUITE 1100 ~TORONTO ONTARIO CANA ~

NORTH AMERICAN COLLECTORS INC ~16000 VENTURA BLVD SUITE 1100 ~ ~ENCINO ~CA ~91436 ~

NORTH AMERICAN CREDIT ~2810 WALKER ROAD ~P. O. BOX 182221 ~CHATTANOOGA ~TN ~37422 ~

NORTH SHORE AGENCY, INC. ~751 SUMMA AVENUE ~PO BOX 486 ~WESTBURY ~NY ~11590 ~

NORTHLAND GROUP INC ~7831 GLENROY ROAD SUITE 350 ~ ~EDINA ~MN ~55439 ~

NUVELL FINANCIAL SERVICES CORP. ~17500 CHENAL PARKWAY ~SUITE 200 ~LITTLE ROCK ~AR ~72223 ~

OCWEN LOAN SERVICING LLC ~1661 WORTHINGTON ROAD ~SUITE 100 ~WEST PALM BEACH ~FL ~33409 ~

OMNI CREDIT SERVICES OF FLORIDA INC ~4710 EISENHOWER BLVD., B-3 ~ ~TAMPA ~FL ~33634 ~

OMNIUM WORLDWIDE, INC. ~7171 MERCY ROAD ~ ~OMAHA ~NE ~68106 ~

ONLINE COLLECTIONS ~202 W. FIRETOWER ROAD ~ ~WINTERVILLE ~NC ~28590 ~

OPTIMA RECOVERY SERVICES LLC ~6215 KINGSTON PIKE ~SUITE A ~KNOXVILLE ~TN ~37919 ~

OSI COLLECTION SERVICES, INC. ~5022 GATE PARKWAY SU 204 ~ ~JACKSONVILLE ~FL ~

OSI EDUCATION SERVICES, INC. ~5626 FRANTZ ROAD ~ ~DUBLIN ~OH ~43017 ~

PARAGON ASSET RECOVERY SERVICES, INC. ~345 ROUSER ROAD, AIRPORT OFFICE PK ~BUILDING 5, SUITE 600 ~CORAPOLIS ~PA ~15108 ~

PARSON-BISHOP NATIONAL COLLECTION, INC. ~7870 CAMARGO ROAD ~ ~CINCINNATI ~OH ~45243 ~

PENNCRO ASSOCIATES INC ~95 JAMES WAY SUITE 113 ~ ~SOUTHAMPTON ~PA ~18966 ~

PENNYRILE COLLECTION INC ~302 WEST 15TH STREET ~P. O. BOX 965 ~HOPKINSVILLE ~KY ~42241 ~

PENTAGROUP FINANCIAL LLC ~5959 CORPORATE DRIVE SUITE 1400 ~ ~HOUSTON ~TX ~77036 ~

PERSONAL ACCOUNT SERVICES, INC ~SUITE 202 ~474 S. PERKINS EXT. ~MEMPHIS ~TN ~38117 ~

PERSONALIZED CREDIT SERVICES ~P. O. BOX 646 ~ ~WINCHESTER ~TN ~37398 ~

PHILLIPS & COHEN ASSOCIATES LTD ~695 RANCOCAS ROAD ~ ~WESTAMPTON ~NJ ~08060 ~

PHOENIX CREDIT SOLUTIONS, LLC ~53 CENTURY BLVD. SU 200 ~ ~NASHVILLE ~TN ~37214 ~

PHYSICIANS BUSINESS BUREAU ~620 CHEROKEE BLVD SU 200 ~ ~CHATTANOOGA ~TN ~37405 ~

PIERCE, HAMILTON AND STERN, IN ~6931 ARLINGTON ROAD SUITE 400 ~ ~BETHESDA ~MD ~20814 ~

PINNACLE FINANCIAL GROUP INCORPORATED ~7825 WASHINGTON AVENUE S, SU 410 ~ ~MINNEAPOLIS ~MN ~55439 ~

PINNACLE RECOVERY, INC. ~2231 RUTHERFORD ROAD ~SUITE 210 ~CARISBAD ~CA ~92008 ~

PIONEER CREDIT RECOVERY, INC. ~26 EDWARD STREET ~P.O. BOX 100 ~ARCADE ~NY ~14009 ~

PLATINUM RECOVERY SOLUTIONS, INC. ~1601 DODGE STREET SU 1500 ~ ~OMAHA ~NE ~68102 ~

PLAZA ASSOCIATES ~370 SEVENTH AVENUE SU 1501 ~ ~NEW YORK ~NY ~10001 ~

PRA RECEIVALBES MANAGEMENT ~140 CORPORATE BLVD ~ ~NORFOLK ~VA ~23502 ~

PREMIER FINANCIAL & CREDIT SERVICES ~100 CHEROKEE BLVD, SU 204 ~ ~CHATTANOOGA ~TN ~

PREMIER RECOVERY INC ~525 WEST 5TH STREET ~SUITE 110 ~COVINGTON ~KY ~41011 ~

PREMIERE CREDIT OF NORTH AMERICA, LLC ~2002 WELLESLEY BLVD. #100 ~ ~INDIANAPOLIS ~IN ~46219

PRIMARY FINANCIAL SERVICES LLC ~3115 NORTH 3RD AVENUE SU 112 ~ ~PHOENIX ~AZ ~85013 ~

PROCHECK ~2650 THOUSAND OAKS BLVD ~SUITE 4200 ~MEMPHIS ~TN ~38118 ~

PROCOR INCORPORATED ~128 SYLVA PLAZA ~P. O. BOX 427 ~SYLVA ~NC ~28779 ~

PROFESSIONAL ACCOUNTS SERVICE ~PO BOX 188 ~3 MARYLAND WAY SUITE 300 ~BRENTWOOD ~TN ~37027 ~

PROFESSIONAL ADJUSTMENT SERVICE, INC. ~P. O. BOX 24850 ~ ~NASHVILLE ~TN ~37202 ~

PROFESSIONAL BUREAU OF COLLECTION OF MAR~5295 DTC PARKWAY ~ ~GREENWOOD VILLAGE ~CO ~80111 ~

PROFESSIONAL COLLECTION NETWORK, INC. ~3637 PARK AVENUE SUITE 212 ~P. O. BOX 11807 ~MEMPHIS ~TN ~38111 ~

PROFESSIONAL CREDIT MANAGEMENT ~500 W. WASHINGTON ~P. O. BOX 4037 ~JONESBORO ~AR ~72403 ~

PROFESSIONAL CREDIT SERVICES, ~500 BI-COUNTY BLVD. SUITE 350 ~ ~FARMINGDALE ~NY ~11735 ~

PROFESSIONAL RECOVERY CONSULTANTS INC ~2700 MERIDIAN PARKWAY ~SUITE 200 ~DURHAM ~NC ~27713 ~

PROFESSIONAL RECOVERY SERVICES, INC. ~221 LAUREL ROAD SUITE 350 ~ ~VOORHEES ~NJ ~08043 ~

PROGRESSIVE FINANCIAL SERVICES, INC. ~1919 W. FAIRMONT DRIVE, SUITE 8 ~ ~TEMPE ~AZ ~85282 ~

PROGRESSIVE MANAGEMENT SYSTEMS ~1521 WEST CAMERON AVENUE 1ST FL ~PO BOX 2220 ~WEST COVINA ~CA ~91790 ~

REAL TIME RESOLUTIONS INC ~1750 REGAL ROW, SUITE 120 ~ ~DALLAS ~TX ~75235 ~

RECEIVABLE RECOVERY SERVICES, LLC ~110 VETERANS MEMORIAL BLVD. #445 ~ ~METAIRIE ~LA ~70005 ~

RECEIVABLES MANAGEMENT BUREAU, INC. ~409 BEARDEN PARK CIRCLE ~ ~KNOXVILLE ~TN ~37919 ~

RECEIVABLES PERFORMANCE MANAGEMENT LLC ~1930 220TH STREET SE SU 101 ~P. O. BOX 768 ~BOTHELL ~WA ~98041 ~

RECEIVABLES SPECIALIST INC ~7200 W. MCNAB ROAD ~ ~TAMARAC ~FL ~33321 ~

RECOVERY SERVICES INTERNATIONAL INC ~1 BEAVER VALLEY ROAD ~P. O. BOX 17079 ~WILMINGTON ~DE ~19803 ~

REDLINE RECOVERY SERVICES LLC ~2350 NORTH FOREST ROAD, SUITE 31B ~ ~GETZVILLE ~NY ~14068 ~

REGAL SERVICES, INC. ~5684 CHAPMAN ~ ~MEMPHIS ~TN ~38119 ~

REGIONAL ADJUSTMENT BUREAU, INC. ~7000 GOODLETT FARMS PAKWAY 5TH FL ~ ~CORDOVA ~TN ~38016 ~

RELIABLE ADJUSTMENT BUREAU, INC. ~2655 A PARK CENTER DRIVE ~ ~SIMI VALLEY ~CA ~93065 ~

RELIABLE RECOVERY SERVICE ~P. O. BOX 5038 ~ ~KNOXVILLE ~TN ~37928 ~

REPORTS, INC. ~601 S CONCORD ST ~SUITE 116 ~KNOXVILLE ~TN ~37919 ~

REVENUE RECOVERY CORPORATION ~P. O. BOX 2698 ~ ~KNOXVILLE ~TN ~37901 ~

RICHMOND NORTH ASSOCIATES ~4232 RIDGE LEA ROAD ~ ~AMHERST ~NY ~14226 ~

RICKENBACKER COLLECTION SERVICES INC ~7568 MONTEREY STREET ~ ~GILROY ~CA ~95020 ~

RISK MANAGEMENT ALTERNATIVES, INC. ~1500 COMMERCE DRIVE ~ ~MENDOTA HEIGHTS ~MN ~55120 ~

ROCKFORD MERCANTILE AGENCY, INC. ~2502 SOUTH ALPINE ROAD ~ ~ROCKFORD ~IL ~61108 ~

RTB ENTERPRISES INC ~13111 WESTHEIMER ROAD ~SUITE 400 ~HOUSTON ~TX ~77077 ~

RWCS, LLC ~P.O. BOX 445 ~107 1/2 W. BLYTHE ST. ~PARIS ~TN ~38242 ~

S AND S RECOVERY, INC. ~5739 STATE ROAD SUITE 105 ~ ~MEMPHIS ~TN ~38134 ~

SECURITY CHECK, LLC ~2612-C JACKSON AVENUE W P.O.BOX 1211 ~ ~OXFORD ~MS ~38655 ~

SENEX SERVICES CORP ~3500 DE PAUW BLVD ~SUITE 3050 ~INDIANAPOLIS ~IN ~46268 ~

SENTRY CREDIT INC ~2809 GRAND AVE ~P. O. BOX 12070 ~EVERETT ~WA ~98206 ~

SHARP-JACKSON COLLECTION SERVICE ~2978 AUSTIN PEAY, SUITE 220 ~ ~MEMPHIS ~TN ~38128 ~

SMITH, ROUCHON & ASSOCIATES, INC. ~201 N. PINE STREET SUITE 14 ~ ~FLORENCE ~AL ~35630 ~

SOLUTIA HEALTHCARE TAS, INC. ~507 NORTH GARDEN ~ ~COLUMBIA ~TN ~38401 ~

SOUTHEASTERN COLLECTION SERVICES, LLC ~313 OAK CIRCLE ~ ~UNIONVILLE ~TN ~37180 ~

SOUTHEASTERN CREDIT BUREAU, INC./DBA PAR~P. O. BOX 248 ~113 W. 3RD AVENUE ~GASTONIA ~NC ~28053 ~

SOUTHEASTERN FINANCIAL SERVICES, INC. ~6160 SHELBY DRIVE ~ ~MEMPHIS ~TN ~38141 ~

SOUTHWEST CREDIT SYSTEMS, L.P. ~5910 W. PLANO PARKWAY, SUITE 100 ~ ~PLANO ~TX ~75093 ~

SRA ASSOCIATES INC ~401 MINNETONKA ROAD ~ ~HI-NELLA ~NJ ~08083 ~

STALLINGS FINANCIAL GROUP, INC. ~1111 SOUTH MARIETTA PARKWAY ~PO BOX 4430 ~MARIETTA ~GA ~30060 ~

STANLEY WEINBERG & ASSOCIATES ~1200 ROOSEVELT ROAD #201 ~ ~GLEN ELLYN ~IL ~60137 ~

STATE COLLECTION SERVICE INC ~2509 SOUTH SLOUGHTON ROAD ~ ~MADISON ~WI ~53716 ~

STATES RECOVERY SYSTEMS INC ~2951 SUNRISE BLVD. #100 ~ ~RANCHO CORDOVA ~CA ~95742 ~

SUNRISE CREDIT SERVICES INC. ~260 AIRPORT PLAZA ~ ~FARMINGDALE ~NY ~11735 ~

SUPERIOR ASSET MANAGEMENT INC ~19361 US HIGHWAY 19 NORTH, SUITE 100 ~ ~CLEARWATER ~FL ~

SURPAS RESOURCE CORPORATION ~3120 HAYES ROAD ~SUITE 200 ~HOUSTON ~TX ~77082 ~

SYNERGETIC COMMUNICATIONS INC DBA SYNCOM~5450 NW CENTRAL ~SUITE 1000 ~HOUSTON ~TX ~77092 ~

SYNTER RESOURCE GROUP LLC ~2430 MALL DRIVE ~SUITE 210 ~CHARLESTON ~SC ~29406

SZABO ASSOCIATES, INC. ~3355 LENOX ROAD NINTH FLOOR ~ ~ATLANTA ~GA ~30326 ~

TATE & KIRLIN ASSOCIATES ~2810 SOUTHAMPTON ROAD ~ ~PHILADEPHIA ~PA ~19154 ~

TEK-COLLECT INCORPORATED ~1111 SCHROCK ROAD ~SUITE 100 ~COLUMBUS ~OH ~43229 ~

TENNESSEE CREDIT MANAGEMENT, INC. ~P. O. BOX 1945 ~ ~CORINTH ~MS ~38835 ~

TEXTRON BUSINESS SERVICES, INC. ~275 WEST NATICK ROAD SUITE 1000 ~ ~WARWICK ~RI ~02886 ~

THE ALLEN DANIEL ASSOCIATES INC ~411 WAVERLEY OAKS ROAD ~BLDG., SUITE 113 ~WALTHAM ~MA ~02452 ~

THE CBE GROUP INC ~131 TOWER PARK DRIVE SUITE 100 ~ ~WATERLOO ~IA ~50701 ~

THE LAW OFFICES OF GERALD E MOORE & ASSO~2253 NORTHWEST PARKWAY ~ ~MARIETTA ~GA ~30067 ~

THE WESTMORELAND AGENCY, INC. ~456 N. KIMBALL PLACE ~ ~BOISE ~ID ~83704 ~

TIBURON FINANCIAL LLC ~218 A SOUTH 108TH AVENUE ~ ~OMAHA ~NE ~68154 ~

TODD, BREMER & LAWSON, INC. ~325 W. OAKLAND AVENUE ~ ~ROCK HILL ~SC ~29731 ~

TOTAL CARD INC ~2101 W 41ST STREET SUITE 34 ~ ~SIOUX FALLS ~SD ~57105 ~

TOTAL CREDIT RECOVERY USA GROUP, INC. ~225 YORKLAND BLVD ~ ~NORTH YORK ~ON ~M2J4Y ~

TRACKERS INC ~1970 SPRUCE HILLS DRIVE ~ ~BETTENDORF ~IA ~52722 ~

TRANSWORLD SYSTEMS, INC. ~6555 QUINCE ROAD SUITE 115 ~ ~MEMPHIS ~TN ~38119 ~

TRI-COUNTY COLLECTION AGENCY ~221 EAST MAIN STREET ~PO BOX 1503 ~MORRISTOWN ~TN ~37816 ~

TRI-STATE MANAGEMENT SERVICE ~112 INDUSTRIAL DRIVE SUITE 2 ~ ~GRAY ~TN ~37615 ~

TRS RECOVERY SERVICES, INC. ~5251 WESTHEIMER ~ ~HOUSTON ~TX ~77056 ~

TSYS TOTAL DEBT MANAGEMENT, INC. ~6356 CORLEY ROAD ~ ~NORCROSS ~GA ~30071 ~

UNIQUE MANAGEMENT SERVICES, INC. ~119 EAST MAPLE STREET ~ ~JEFFERSONVILLE ~IN ~47130 ~

UNITED COLLECTION BUREAU, INC. ~5620 SOUTHWYCK BLVD. ~ ~TOLEDO ~OH ~43614 ~

UNITED COMPUCRED COLLECTIONS, INC. ~4190 HARRISON AVE. ~P. O. BOX 111100 ~CINCINNATI ~OH ~45211 ~

UNITED RECOVERY SYSTEMS LP ~5800 NORTH COURSE DRIVE ~ ~HOUSTON ~TX ~77073 ~

UNIVERSAL COLLECTION SYSTEMS ~5240 MENDENHALL PARK PLACE ~ ~MEMPHIS ~TN ~38115 ~

UNIVERSAL FIDELITY LP ~1445 LANGHAM CREEK DRIVE ~ ~HOUSTON ~TX ~77084 ~

USA ENTERPRISES INC ~78 A TRACEY ROAD ~ ~HUNTINGDON VALLEY ~PA ~19006 ~

VALENTINE & KEBARTAS, INC. ~15 UNION STREET ~ ~LAWRENCE ~MA ~01840 ~

VANRU CREDIT CORP. ~1350 E. TOUHY AVENUE, SUITE 300E ~ ~DES PLAINES ~IL ~60018 ~

VIKING COLLECTION SERVICE SOUTHWEST, INC~2075 WEST PINNACLE PEAK ROAD SU 110 ~P. O. BOX 43710 ~PHOENIX ~AZ ~85027

VIKING COLLECTION SERVICE, INC. ~7500 OFFICE RIDGE CIRCLE ~P. O. BOX 59207 ~EDEN PRAIRIE ~MN ~55344 ~

VITAL RECOVERY SERVICES INC ~3795 DATA DRIVE, SUITE 200 ~ ~NORCROSS ~GA ~30092 ~

VOLUNTEER COLLECTION SERVICE ~500 NORTH CUMBERLAND STREET ~ ~LEBANON ~TN ~37087 ~

WEST TENNESSEE COLLECTIONS, INC. ~100 N. MAIN BLDG. SUITE 1235 ~ ~MEMPHIS ~TN ~38103 ~

WILLIAMS & FUDGE, INC. ~P. O. BOX 11590 ~ ~ROCK HILL ~SC ~29731 ~12/31/2005

WILLIAMS, BABBIT & WEISMAN, INC. ~5255 NORTH FEDERAL HWY ~THIRD FLOOR ~BOCA RATON ~FL ~

WILLIAMSON COUNTY ADJUSTMENT BUREAU, INC~612 WEST MAIN STREET ~ ~FRANKLIN ~TN ~37064 ~

WILSHIRE CREDIT CORPORATION ~14523 SW MILLIKAN WAY ~PO BOX 8517 ~PORTLAND ~OR ~97205 ~

WINDHAM PROFESSIONAL, INC. ~380 MAIN ST ~ ~SALEM ~NH ~03079 ~

WIPRO SPECTRAMIND SERVICES LIMITED ~423 WEST 8TH STREET ~SUITE 400 ~KANSAS CITY ~MO ~64105 ~

XPRESSCHEX ~215 CENTRAL AVENUE N.W. SUITE 3-B ~ ~ALBUQUERQUE ~NM ~87102 ~

Debt collector's contact information nationwide

2005-05-11T11:54:00.000-05:00

A & S COLLECTION ASSOCIATES, INC.
2847 Vt. Rt. 14
Williamstown, VT 05679

A.M. MILLER & ASSOCIATES, INC.
SEE – OSI Collection Services, Inc.
ACCENT INSURANCE RECOVERY SOLUTIONS
Omnium Worldwide, Inc. d/b/a
7171 Mercy Road, Suite 250
Omaha, NE 68106-2628

ACCENT SERVICE COMPANY
Omnium Worldwide, Inc. d/b/a
7171 Mercy Road, Suite #150
Omaha, NE 68106-2626

ACCENT SERVICE COMPANY
Omnium Worldwide, Inc., d/b/a
6373 East Tanque Verde Road, Suite 200
Tucson, AZ 85715-3836

ACCENT SERVICE COMPANY
Omnium Worldwide, Inc., d/b/a
100 N. 34th
Street, Suite A
Norfolk, NE 68701

ACCOUNT CONTROL TECHNOLOGY, INC.
Also doing business as ACT
6918 Owensmouth Avenue
Canoga Park, CA 91303

ACCOUNT SOLUTIONS GROUP, INC.
205 Bryant Woods South
Amherst, NY 14228-3609
ADDRESS CHANGE: 06-01-00

ACCOUNTS RECEIVABEL MANAGEMENT OF MAINE, INC.
8 School Street – PO Box 182
Gorham, ME 04038

ACCOUNTS RECEIVABLE MANAGEMENT, INC.
SEE – New Jersey Accounts Receivable, Inc.
ACCOUNTS RECEIVABLE SOLUTIONS, INC.
SEE – Key Collection Services, Inc.
ACE DETECTIVE & SECURITY AGENCY, INC.

ACCU CHEK, INC.
2410 6th
Street
Tuscaloosa, AL 35401

ADVANCED CALL CENTER TECHNOLOGIES, LLC.
5355 Oakbrook Parkway
Norcross, GA 30093

ADVANCED COLLECTION SERVICES
Advanced Health Services, Inc. d/b/a
76 High Street, Suite 201, P.O. Box 71031
Lewiston, ME 04240

ADVANCED FINANCIAL COMPANY, L.L.C.
SEE – Advanced Financial Company of California, L.L.C.
ADVANCED FINANCIAL COMPANY OF CALIFORNIA, L.L.C.
Advanced Financial Company, L.L.C., d/b/a
5900 Pasteur Ct., #200
Carlsbad, CA 92008

ADVANCED HEALTH SERVICES, INC.
SEE – Advanced Collection Services
ADVANTAGE RECEIVABLE SOLUTIONS
Omnium Worldwide, Inc. d/b/a
1941 S. 42nd
Street, Suite 380
Omaha, NE 68105-2939

AFFILIATED COLLECTIONS, INC.
Downeast Collections d/b/a
925 Union Street, Suite 1
Bangor, ME 04401

AID ASSOCIATES, INC.
SEE – Plaza Associates
ALEGIS GROUP L.P.
9700 Richmond, Suite #160
Houston, TX 77042
NAME CHANGE: 4-24-2000

ALEGIS GROUP L.P.
15 South Main, Suite 600
Greenville, SC 29601

ALEGIS GROUP L.P.
9940 Franklin Square Drive, Suite J
Baltimore, MD 21236

ALLEN DANIELS ASSOCIATES, INC. (THE)
411 Waverly Oaks Road
Building 1, Suite 113
Waltham, MA 02452-8414
ADDRESS CHANGE: 11-19-98

ALLIANCEONE INCORPORATED
SEE – AOI Allianceone, Inc.
ALLIED CREDITOR SERVICE, INC.
8 Suburban Park Drive
Billerica, MA 01821

ALLIED INTERNATIONAL CREDIT CORP., (US)
Also doing business as AIC
2101 W. Peoria Avenue, Suite 120-
Phoenix, AZ 85029

ALLIED INTERSTATE, INC.
435 Ford Road – 800 Interchange West
Minneapolis, MN 55426

ALLIED INTERSTATE, INC.
23945 Calabasas Road, Suite 210
Calabasas, CA 91302

ALLIED INTERSTATE, INC.
2906 Executive Way
Miramar, FL 33025
ADDRESS CHANGE: 05-29-01

ALLIED INTERSTATE, INC.
340 Interstate N. Prkwy, Suite 140
Atlanta, GA 30339

ALLIED INTERSTATE, INC.
13777 Ballentyne Corp. Place, Suite 200
Charlotte, NC 28277

ALLIED INTERSTATE, INC.
3101 N. Elm Street, Suite 300
Greenboro, NC 27408

ALLIED INTERSTATE, INC.
12655 N. Central Expressway, Suite 295
Dallas, TX 75234

ALLIED INTERSTATE, INC.
1210 Sheppard Avenue East #800
Toronto, Ontario M2K 1E3
Canada

AMAN COLLECTION SERVICE, INC.
600 North Highway 281
Aberdeen, SD 57401

AMAN COLLECTION SERVICE, INC.
114 South Main Street
Aberdeen, SD 57401
DCL3402

AMERICAN RECOVERY SERVICE INCORPORATED
468 Pennsfield Place, 2
nd
Floor
Thousand Oaks, CA 91360

AMERICAN ROAD RECOVERY, L.L.C.
1335 S. Clearview Avenue
Mesa, AZ 85208

ANCHOR RECEIVABLES MANAGEMENT
PRA Receivables Management, LLC, d/b/a
120 Corporate Blvd., Suite 100
Norfolk, VA 23502

AOI ALLIANCEONE, INC.
AllianceOne Incorporated, d/b/a
3705 Quakerbridge Road, Suite 112
Mercerville, NJ 08619

AQM INFORMATION SOLUTIONS, INC.
10 Christy’s Drive
Brockton, MA 02301
NAME CHANGE: 07-31-2000

ARROW FINANCIAL SERVICES, LLC
7301 North Lincoln Avenue, Suite 220
Lincolnwood, IL 60646
NAME CHANGE: 05-15-98
ADDRESS CHANGE: 08-25-98

ARS NATIONAL SERVICES, INC.
SEE – Associated Recovery Systems, Inc.
ASSOCIATED CREDIT SERVICES, INC.
180 Turnpike Road
P.O. Box 5171
Westboro, MA 01581-5171

ASSOCIATED RECOVERY SYSTEMS, INC.
ARS National Services, Inc., d/b/a
201 W. Grand Avenue
Escondido, CA 92025

ASSOCIATED RECOVERY SYSTEMS, INC.
ARS National Services, Inc., d/b/a
3225 N. Central Avenue, Suite 801
Phoenix, AZ 85012

ATTENTION, LLC
2812 Spring Road
Atlanta, GA 30339

ATTENTION, LLC
220A N Sunset Blvd
Sherman, TX 75092

ATTENTION, LLC
7333 Tam O’Shanter
Stockton, CA 95210
2
AUDIT SYSTEMS, INC.
3696 Ulmerton Road, Suite 200
Clearwater, FL 33762

BOMBARDIER CAPITAL, INC.
12850 Gran Bay Parkway West, Suite 1000
Jacksonville, FL 32258

BONDED COLLECTIONS OF TUCSON, INC.
5447 East 5th
Street – Suite 110
Tucson, AZ 85711-2345

BUREAU OF COLLECTION RECOVERY, INC.
7525 Mitchell Road, Suite 301
Eden Prairie, MN 55344

CAC FINANCIAL CORP.
2601 N.W. Expressway – Suite 1000 East
Oklahoma City, OK 73112

CALMCO SERVICING, L.P.
9600 Great Hills Trail #610
Austin, TX 78759
ADDRESS CHANGE: 05-20-99

CARTER BUSINESS SERVICE, INC.
12 Teal Road
Wakefield, MA 01880

C.B. ACCOUNTS, INC.
1101 Main Street, St. 201
Peoria, IL 61606-1913

CBCS;
CREDIT BUREAU COLLECTION SERVICES, INC. d/b/a
250 East Town Street
Columbus, OH 43215

CCS, INC.
Corporate Collection Services, Inc., d/b/a
23220 Chagrin Boulevard, #400
Beachwood, OH 44122

CEK COLLECTIONS
Kay E. Cote, d/b/a
336 Finson Rd.
PO Box 1304
Bangor, ME 04402-1304

CERTEGY PAYMENT RECOVERY SERVICES, INC.
11601 Roosevelt Boulevard
St. Petersburg, FL 33716

CHASE RECEIVABLES
Credit Bureau of Napa County, Inc. d/b/a
1247 Broadway
Sonoma, CA 95476
ADDRESS CHANGE: 07-10-2000

CHEX SYSTEMS, INC.
SEE – Chexsystems Collection Agency
CHEXSYSTEMS COLLECTION AGENCY
Chex Systems, Inc. d/b/a
1550 East 79th
Street, Suite 700
Minneapolis, MN 55425

CHRIS H. KOPACZYNSKI
SEE – Aroostook County Collection Agency
CLIENT SERVICES, INC.
3451 Harry S. Truman Blvd.
St. Charles, MO 63301

COLDATA, INC.
1979 Marcus Avenue, Suite 100
Lake Success, NY 11042
ADDRESS CHANGE 07-25-00

COLDATA, INC.
66 Industry Avenue
Springfield, MA 01104

COLLECTCORP CORPORATION
300 Pearl Street Suite 200
Buffalo, NY 14202

COLLECTCORP CORPORATION
2000-415 Yonge Street
Toronto, ON M5B 2E7 CANADA

COLLECTECH SYSTEMS, INC.
31229 Cedar Valley Drive
Westlake Village, CA 91362
ADDRESS CHANGE: 02-18-99

COLLECTECH SYSTEMS, INC.
800 Cummings Center, #364U
Beverly, MA 01915
DCB4481

COLLECTION BUREAU OF THE HUDSON VALLEY, INC.
Also known as “CB/HV”
155 North Plank Road
Newburgh, NY 12550

COLLECTION COMPANY OF AMERICA
Collecto, Inc. d/b/a
306 Washington Street
Norwell, MA 02061

COMPUTER CREDIT, INC.
640 West 4th Street
Winston-Salem, NC 27101

CONSUMER CREDIT SYSTEMS, INC.
SEE – Consumer Credit Systems of Maine, Inc.
CONSUMER CREDIT SYSTEMS OF MAINE, INC.
Consumer Credit Systems, Inc. d/b/a
98 Maine Street
Brunswick, ME 04011

CONTINENTAL COLLECTION BUREAU
International Check Services, Inc. d/b/a
165 West Avenue
Rochester, NY 14611
(See also main office: International Check Services, Inc.)

COUNTY FINANCIAL SERVICES, INC.
29 Second Street – PO Box 1820
Presque Isle, ME 04769

CREDIT AMERICA, INC.
400 Market Street – Continental Building – 7th Floor
Philadelphia, PA 19106

CBSI
SEE – Credit Bureau Systems of Alabama, Inc.
CREDIT BUREAU ENTERPRISES
The CBE Group, Inc., d/b/a
3362 University Avenue
Waterloo, IA 50701

CREDIT BUREAU OF NAPA COUNTY, INC.
SEE – Chase Receivables
CREDIT BUREAU SERVICES OF NEW HAMPSHIRE, INC.
42-A Dover Point Road
Dover, NH 03820

CREDIT BUREAU SYSTEMS OF ALABAMA, INC. AND CBSI
Credit Bureau Systems, Inc., d/b/a
550 Greensboro Avenue
Tuscaloosa, AL 35401

CREDIT BUREAU SYSTEMS, INC
SEE – Credit Bureau Systems of Alabama, Inc. and CBSI
CREDIT COLLECTION SERVICES
Credit Control Services, d/b/a
2 Wells Avenue
Newton, MA 02459

CREDIT CONTROL SERVICES
Credit Collection Services
CREDIT DATA OF NEW ENGLAND, INC.
AQM Information Solutions, Inc.
CREDIT MANAGEMENT CONTROL, INC.
2707 Rapids Drive
Racine, WI 53404

CREDIT MANAGEMENT, INC.
4200 International Parkway
Carrollton, TX 75007
ADDRESS CHANGE – 08-01-98

CREDIT MANAGEMENT SERVICES
Transworld Systems, Inc.
CREDIT PLUS COLLECTION SERVICES
Credit Plus Solutions Group, Inc. d/b/a
2491 Paxton Street
P.O. Box 67102
Harrisburg, PA 17106

CREDIT PLUS SOLUTIONS GROUP, INC.
SEE – Credit Plus Collection Services
CREDIT PROTECTION ASSOCIATION, L.P.
13355 Noel Road, Suite 2100
Dallas, TX 75240
ADDRESS CHANGE: 07-31-98

CREDIT SERVICE AGENCY OF MAINE, INC.
1306 Chase Road
Veazie, ME 04401
MAILING ADDRESS: PO Box 8001 – Bangor, ME 04401

CREDIT STORE, INC. (THE)
3401 N. Louise Avenue
Sioux Falls, SD 57107

CREDITORS INTERCHANGE, INC.
Airborne Business Park
80 Holz Drive
P.O. Box 1335
Buffalo, NY 14240
ADDRESS CHANGE: 07-09-01

CREDITWATCH SERVICES, L.P.
5850 W I-20 Suite 100
Arlington, TX 76017

D/M COLLECTION SERVICE
Union Square Realty Corp. d/b/a
70½ Court Street – PO Box 616
Houlton, ME 04730

DELTA MANAGEMENT ASSOCIATES, INC.
100 Everett Avenue, #6
Chelsea, MA 02150-4398

DELTA SERVICE COMPANY, INC.
69 Glenwood Avenue
Westbrook, ME 04092-4013

DEPOSIT PAYMENT PROTECTION SERVICES, INC.
19803 ORTH Creek Parkway
Bothell, WA 98011

DIVERSIFIED ADJUSTMENT SERVICE, INCORPORATED
600 Coon Rapids Boulevard
Coon Rapids, MN 55433

DIVERSIFIED COLLECTION SERVICES, INC.
555 McCormick Street
San Leandro, CA 94577

DOWNEAST COLLECTIONS
SEE – Affiliated Collections, Inc.
EASTERN ACCOUNT SYSTEM OF CONNECTICUT, INC.
11 Church Hill Road Room 204
Newtown, CT 06470
ADDRESS CHANGE: 08-31-00

EASTERN MERCANTILE CORPORATION INCORPORATED
PO Box 440406 – 256 Medford Street – Suite 603
Somerville, MA 02144-0901

eCAST SETTLEMENT CORPORATION
245 Park Avenue, 3
rd
Floor
New York, NY 10167

EDUCATIONAL RECOVERY SERVICES, LIMITED PARTNERSHIP
4777 Hilton Corporate Drive
Columbus, OH 43232

EDUCATION CREDIT SERVICES, L.L.C.
2300 Fall Hill Avenue – Suite 511
Fredericksburg, VA 22401-3342

EDUCATION CREDIT SERVICES, L.L.C.
2753 South Highland Drive, Suite 1004
Las Vegas, NV 89109

EDUCATION DEBT SERVICES, INC.
30 South Meridian Street
Indianapolis, IN 46204

ENCORE RECEIVABLE MANAGEMENT, INC.
400 North Rogers Road
Olathe, KS 66062

ENTERPRISE RECOVERY SYSTEMS, INC.
Also know as ERS
800 Enterprise Drive, #145
Oak Brook, IL 60523

EQUIFAX CREDIT INFORMATION SERVICES, INC.
SEE – Certegy Payment Recovery Services, Inc.
EQUIFAX RISK MANAGEMENT SERVICES
SEE – Certegy Payment Recovery Services, Inc.
EQUIFAX PAYMENT RECOVERY SERVICES, INC.
Certegy Payment Recovery Services, Inc.
Enterprise Recovery Systems, Inc.
ESTATE RECOVERIES, INC.
5543 Harford Road
Baltimore, MD 21214

ETHAN INDUSTRIES, INC.
SEE – Credit Protection Association
EXTERRA CREDIT RECOVERY, INC.
400 North Widget Lane
Walnut Creek, CA 94598

EXTERRA CREDIT RECOVERY, INC.
20 Federal Plaza West, 4th Floor
Youngstown, OH 44503

Fidelity Account Services
SEE – Universal Fidelity Corporation
FINANCIAL ASSET MANAGEMENT SYSTEMS, INC.
3146-3 Northeast Expressway
Atlanta, GA 30341

FINANCIAL RECOVERY SERVICES, INC.
ALSO DOING BUSINESS AS FRS
4640 W 77th
Street #300
Edina, MN 55435

FIRST CREDIT SERVICES, INC.
SEE – Stanley Weinberg and Associates
FIRST CREDIT SOLUTIONS, INC.
9522 East 47th Place, Suite H
Tulsa, OK 74145

FIRST RESOLUTION MANAGEMENT CORPORATION
4190 Lougheed Highway, Suite 401
Burnaby, BC
Canada V5C 6A8

FMA ALLIANCE, LTD.
11811 North Freeway, Suite 900
Houston, TX 77060
NAME CHANGE: 05-27-00

FMA ALLIANCE, LTD.
1524 11th Street, Suite A
Huntsville, TX 77320

FRANKLIN FINANCIAL, INC. OF MASSACHUSETTS;
253 Main Street
Milford, MA 01757

Financial Recovery Services, Inc.
GC SERVICES LIMITED PARTNERSHIP
800 West Cummings Park, #6350
Woburn, MA 01801

GENERAL REVENUE CORPORATION
11501 Northlake Drive
Cincinnati, OH 45249
ADDRESS CHANGE: 01-07-97

GERALD SANDS
SEE – Credit Collection Services
MALCOLM S GERALD & ASSOCIATES, INC.
332 S. Michigan Avenue, Suite 514
Chicago, IL 60604

GLENN ASSOCIATES, INC.
6 Pleasant Street, Suite 417
Malden, MA 02148

GLOBAL COLLECTION CORP.
142 High Street, Suite 624
Portland, ME 04101

GMAC MORTGAGE CORPORATION
500 Enterprise Road
Horsham, PA 19044

GMAC MORTGAGE CORPORATION
4 Corporate Drive, Third Floor
Shelton, CT 06484

GMAC MORTGAGE CORPORATION
3451 Hammond Avenue
Waterloo, IA 50702

GMAC MORTGAGE CORPORATION
401 Mile of Cara Way
National City, CA 61947

GRAGIL ASSOCIATES, INC.
200 Ledgewood Place
Rockland, MA 02370

GREAT LAKES COLLECTION BUREAU, INC.
45 Oak Street
Buffalo, NY 14203

GREAT LAKES COLLECTION BUREAU, INC.
6286 Pearl Road
Parma Heights, OH 44130

GREAT LAKES COLLECTION BUREAU, INC.
1780 Wehrle Drive
Williamsville, NY 14221

HARVARD COLLECTION SERVICES, INC.
4839 North Elston Avenue
Chicago, IL 60630-2534

HEALTHCARE COLLECTION SERVICES; COLLECTO, INC. D/B/A
350 West Cummings Park
Woburn, MA 01801

H.P. AND ASSOCIATES, INC.
SEE – Hutchinson, Perry and Associates, Inc.
HUARD AGENCY (THE)
Joseph T. Huard d/b/a
106 Town Farm Road
Sidney, ME 04901

HUTCHINSON, PERRY AND ASSOCIATES, INC.
H.P. and Associates, Inc., d/b/a
4500 E. Speedway, Suite 12
Tucson, AZ 85712

HUTCHINSON, PERRY AND ASSOCIATES, INC.
H.P. and Associates, Inc., d/b/a
7776 Pointe Parkway West #100
Phoenix, AZ 85060

ICR Immediate Credit Recovery, Inc.
I. C. SYSTEM, INC.
180 Civic Center Drive
Augusta, ME 04330

IMMEDIATE CREDIT RECOVERY, INC. ALSO KNOWN AS ICR
169 Myers Corners Road, Suite 110
Wappingers Falls, NY 12590

INTERNATIONAL CHECK SERVICES, INC.
SEE – Continental Collection Bureau (Branch Office)
(See also main office: International Check Services, Inc.)
INTERNATIONAL CHECK SERVICES, INC.
90 Riverdale Road
Riverdale, NJ 07457

JENNIFER W. ST. HILL & ASSOCIATES, P.C.
SEE – St. Hill & Associates P.C.
JOSEPH T. HUARD
Huard Agency (The)

KEVIN L. STRING CO., L.P.A.
23220 Chagrin Blvd., Suite 204
Beachwood, OH 44122

KEY COLLECTION SERVICES, INC.
Accounts Receivable Solutions, Inc., d/b/a
825 Main Street
Westbrook, ME 04098

LAMONT, HANLEY & ASSOCIATES, INC.
1138 Elm Street – PO Box 179
Manchester, NH 03101

L’HEUREUX AGENCY (THE)
William T. L’Heureux d/b/a
489 Kennedy Memorial Drive
Waterville, ME 04901

LITTON LOAN SERVICING LP
5373 West Alabama, Suite 600
Houston, TX 77056

LTD FINANCIAL SERVICES, L.P.
7322 SW Freeway, Suite 1600
Houston, TX 77074

M.R.S. ASSOCIATES, INC.
3 Executive Campus, Suite 400
Cherry Hill, NJ 08002
ADDRESS CHANGE:

M.R.S. ASSOCIATES, INC.
6530 West Campus Oval, Suite 300
New Albany, OH 08002

MALCOM S. GERALD & ASSOCIATES, INC.
Gerald, Malcolm S. & Associates, Inc.
MANAGEMENT ADJUSTMENT BUREAU, INC.
NCO Financial Systems, Inc.
MEDICAL BUREAU OF ECONOMICS, INC.
340 Main Street, 8th Floor
Worcester, MA 01608

MERCHANTS & MEDICAL CREDIT CORPORATION, INC.
6324 Taylor Drive
Flint, MI 48507

MERCHANTS RECOVERY SERVICES, INC.
RevCare, Inc. d/b/a
5400 Orange Avenue, Suite 200
Cypress, CA 90630

MERIDIAN FINANCIAL SERVICES, INC.
86-B Asheland Avenue
Asheville, NC 28801

MIDCOAST CREDIT CORP.
1926 Tenth Avenue North, 4th Floor
Lake Worth, FL 33461

MIDLAND CREDIT MANAGEMENT, INC.
5775 Roscoe Court
San Diego, CA 92123

MIDLAND CREDIT MANAGEMENT, INC.
4302 East Broadway
Phoenix, AZ 85040

MOUNTAIN STATES ADJUSTMENT
MS Services, LLC, d/b/a
123 E. 1st , Suite 430
Casper, WY 82601

MS Services, LLC
SEE – Mountain States Adjustment
NATIONAL ACTION FINANCIAL SERVICES, INC.
3587 Parkway Lane
Norcross, GA 30092

NATIONAL FINANCIAL SYSTEMS, INC.
6851 Jericho Turnpike
Syosset, NY 11791-9012

NATIONAL REVENUE CORPORATION
2323 Lake Club Drive
Columbus, OH 43232-0876

NATIONWIDE
Nationwide Recovery Service, Inc.; d/b/a
7001 Peachtree Industrial Boulevard, Suite 30092
Norcross, GA 30092

NATIONWIDE
Nationwide Recovery Service, Inc.; d/b/a
401-A Pilot Court
Waukesha, WI 53188

NATIONWIDE CREDIT, INC.
2015 Vaughn Road
Kennesaw, GA 30144

NCB MANAGEMENT SERVICES, INC.
3325 Street Road
4 Greenwood Square, Suite 220
Bensalem, PA 19020

NCC BUSINESS SERVICES, INC.
3733 University Boulevard West - #300
Jacksonville, FL 32217

NCO FINANCIAL SYSTEMS, INC.
55 Dodge Road
Getzville, NY 14068

NCO FINANCIAL SYSTEMS, INC.
415 N. McKinley, Suite 470
Little Rock, AR 72205
NCO FINANCIAL SYSTEMS, INC..
21250 Hawthorne Boulevard, Suite 400
Torrance, CA 90503

NCO FINANCIAL SYSTEMS, INC.
13900 East Harvard Place, Suite 310
Aurora, CO 80013
NCO FINANCIAL SYSTEMS, INC.
1001 Bishop Street, Pavahi Tower, Suite 320
Honolulu, HI 96813
2
NCO FINANCIAL SYSTEMS, INC.
4601 Sauk Trail
Richton Park, IL 85224
ADDRESS CHANGE: 01-13-99

NCO FINANCIAL SYSTEMS, INC.
One North Main Street, Suite 525
Hutchinson, KS 67501

NCO FINANCIAL SYSTEMS, INC.
3850 N. Causeway Blvd., Suite 1800
Metarie, LA 70002

NCO FINANCIAL SYSTEMS, INC.
1350 Blair Drive
Odenton, MD 21113

NCO FINANCIAL SYSTEMS, INC.
909 East Republic Road
Building D, Suite 200
Springfield, MO 65807
ADDRESS CHANGE: 11-06-00

NCO FINANCIAL SYSTEMS, INC.
209 East Washington, Suite 320
PO Box 3500
Jackson, MI 49201

NCO FINANCIAL SYSTEMS, INC.
2665 Elizabeth Lake Road
Waterford, MI 48328

NCO FINANCIAL SYSTEMS, INC.
4600 Park Road, Suite 200
Charlotte, NC 28209

NCO FINANCIAL SYSTEMS, INC.
2970 Presidential Drive, Suite 240
Fairborn, OH 45324

NCO FINANCIAL SYSTEMS, INC.
100 Constitution Avenue
Upper Darby, PA 19082
ADDRESS CHANGE: 10-23-00

NCO FINANCIAL SYSTEMS, INC.
4608 South Garnett Road, Suite 200
Tulsa, OK 74146
DCB3953

NCO FINANCIAL SYSTEMS, INC.
100 Fleet S., 3rd Floor
Pittsburgh, PA 15220

NCO FINANCIAL SYSTEMS, INC.
5070 Parkside Ave., Unit 73, Suite 3301
Philadelphia, PA 19131

NCO FINANCIAL SYSTEMS, INC.
515 Pennsylvania Avenue
Fort Washington, PA 19034
DCB3956

NCO FINANCIAL SYSTEMS, INC.
907 Two Mile Parkway, Suite E-7
Goodlettsville, TN 37072

NCO FINANCIAL SYSTEMS, INC.
Westgate Center
3446 Demetropolis Road
Mobile, AL 36693

NCO FINANCIAL SYSTEMS, INC.
1 Mustang Drive
Cohoes, NY 12047

NCO FINANCIAL SYSTEMS, INC.
10933 Trade Center Drive #100
Rancho Cordova, CA 95670

NCO FINANCIAL SYSTEMS, INC.
32980 Alvarado-Niles Road, Suite 850
Union City, CA 94587

NCO FINANCIAL SYSTEMS, INC.
5405 Hoover Blvd., Suite B
Tampa, FL 33634-5335
ADDRESS CHANGE: 05-24-99

NCO FINANCIAL SYSTEMS, INC.
3091 Governors Lake Drive, NW
Suite 190
Norcross, GA 30071

NCO FINANCIAL SYSTEMS, INC.
891 Elkridge Landing Road, #200-210
Linthieum, MD 21090

NCO FINANCIAL SYSTEMS, INC.
20 East Clementon Road, #102 North
Gibbsboro, NJ 08026

NCO FINANCIAL SYSTEMS, INC.
24800 Highpoint Road
Beachwood, OH 44122

NCO FINANCIAL SYSTEMS, INC.
6230 Busch Blvd., Suite 330
Columbus, OH 43229

NCO FINANCIAL SYSTEMS, INC.
2550 East Stone Drive, Suite 250
Kingsport, TN 37660
ADDRESS CHANGE: 08-20-99

NCO FINANCIAL SYSTEMS, INC.
500 North Central Expressway, Suite 300
Plano, TX 75074-6779
ADDRESS CHANGE: 07-31-2000

NCO FINANCIAL SYSTEMS, INC.
4203 Woodcock Drive, Suite 130
San Antonio, TX 78228

NCO FINANCIAL SYSTEMS, INC.
Southport Centre, Suite 100
4525 South Boulevard
Virginia Beach, VA 23452

NCO FINANCIAL SYSTEMS, INC.
500 North Franklin Turnpike
Ramsey, NJ 07446-0585

NCO FINANCIAL SYSTEMS, INC.
150 Essjay Road, Suite 100
Williamsville, NY 14221

NCO FINANCIAL SYSTEMS, INC.
3700 Inland Empire Drive, Suite 500
Ontario, CA 91764
ADDRESS CHANGE: 11-29-99

NCO FINANCIAL SYSTEMS, INC.
2 Corporate Square, Suite 100
Atlanta, GA 30329

NCO FINANCIAL SYSTEMS, INC.
6400 Atlantic Boulevard
Jacksonville, FL 32211

NCO FINANCIAL SYSTEMS, INC.
1732 Lyter Drive, Suite 1
Johnstown, PA 15905

NCO FINANCIAL SYSTEMS, INC.
2725 East Desert Inn Drive
Suite 250
Las Vegas, NV 89119

NCO FINANCIAL SYSTEMS, INC.
101 Overland Drive
North Aurora, IL 60542

NCO FINANCIAL SYSTEMS, INC.
605 West Edison, Suite K
Mishawaka, IN 56545
ADDRESS CHANGE: 05-01-00

NCO FINANCIAL SYSTEMS, INC.
3110 N. Central Avenue, Building B
Suite 170
Phoenix, AZ 85012

NCO FINANCIAL SYSTEMS, INC.
5414 Beaumont Center Blvd., Suite 200
Tampa, FL 3634

NCO FINANCIAL SYSTEMS, INC.
5335 Wisconsin Avenue NW
Chevy Chase Pavilion, Suite 360
Washington, DC 20015

NCO FINANCIAL SYSTEMS, INC.
2950 South Gessner, Suite 200
Houston, TX 77063

NCO FINANCIAL SYSTEMS, INC.
3091 Governors Lake Drive, Suite 350
Norcross, GA 30071

NCO FINANCIAL SYSTEMS, INC.
360 Westridge Drive
Watsonville, CA 95076

NCO FINANCIAL SYSTEMS, INC.
521 Butler Farm Road
Hampton, VA 23666

NCO FINANCIAL SYSTEMS, INC.
Eaton Market Square, Suite 310
1 Market Street
Brantford, Ontario N3t 6C8
Canada

NCO FINANCIAL SYSTEMS, INC.
1705 Whitehead Road
Baltimore, MD 21207

NCO FINANCIAL SYSTEMS, INC.
625 U.S. Highway 1, Suite 102
Key West, FL 33040

NCO FINANCIAL SYSTEMS, INC.
110 Glen Street, Suite 300
Glens Falls, NY 12801

NEW HAMPSHIRE/NORTHEAST CREDIT SERVICES, INC.
460 Amherst Street
Nashua, NH 03063-0889

NEW JERSEY ACCOUNTS RECEIVABLE, INC.
Accounts Receivable Management, Inc. D/B/A
440 Benigno Blvd
Bellmawr, NJ 08031

NORTHLAND GROUP, INC.
7831 Glenroy Road, Suite 350
Edina, MN 55439
DCL3654

NUVELL FINANCIAL SERVICES CORP.
17500 Chenal Parkway, Suite 200
Little Rock, AR 72223-0879

NUVELL FINANCIAL SERVICES CORP.
3301 Airport Freeway
Bedford, TX 76021

NUVELL FINANCIAL SERVICES CORP.
10302 Deerwood Park Blvd
Jacksonville, FL 32256

OMNIUM WORLDWIDE, INC.
SEE – Advantage Receivable Solutions
SEE – Accent Insurance Recovery Solutions
SEE – Accent Service Company
ORM
SEE – Outsource Receivables Management, Inc.
OSI COLLECTION SERVICES, INC.
114 Western Avenue, 2nd Floor
Augusta, ME 04330

OSI COLLECTION SERVICES, INC.
541 Main Street, Suite 115
South Weymouth, MA 02190

OSI COLLECTION SERVICES, INC.
4400 Renaissance Parkway
Cleveland, Ohio 44128

OSI COLLECTION SERVICES, INC.
2147 Route 27
Edison, NJ 08818

OSI COLLECTION SERVICES, INC.
2700 Snelling Avenue North, Suite 100
Roseville, MN 55113

OSI COLLECTION SERVICES, INC.
10199 Southside Blvd, Suite 301
Jacksonville, FL 32256
DCB5087

OUTSOURCE RECEIVABLES MANAGEMENT, INC.
ALSO DOING BUSINESS AS ORM
8 Suburban Park Drive
Billerica, MA 01821

P & L INC., or
P & L Incorporated
Profit & Loss Incorporated, d/b/a
14600 Detroit Avenue, #711
Lakewood, OH 44107

PARK DANSAN
Southeastern Credit Bureau, Inc. d/b/a
113 W. 3rd Avenue
P.O. Box 248
Gastonia, NC 28052
NAME CHANGE: 09-30-97

PAYCO-GENERAL AMERICAN CREDITS, INC.
SEE – OSI Collection Services, Inc.
PENN CREDIT CORPORATION
916 S 14th Street
Harrisburg, PA 17104

PINNACLE RECOVERY, INC.
5950 LaPlace Court
Carlsbad, CA 92008

PIONEER CREDIT RECOVERY, INC.
26 Edwards Street
P.O. Box 100
Arcade, NY 14009

PLATINUM RECOVERY SOLUTIONS, INC.
2223 Dodge Street Suite 8000
Omaha, NE 68102

PLAZA ASSOCIATES;
AID Associates, Inc., d/b/a
370 Seventh Avenue, Suite 1501
New York, NY 10001-0868

POM RECOVERIES, INC.
85 East Hoffman Avenue
Lindenhurst, NY 11757

PORTFOLIO RECOVERY ASSOCIATES, L.L.C.
120 Corporate Boulevard, Suite 100
Norfolk, VA 23502

PORTFOLIO RECOVERY ASSOCIATES, L.L.C.
500 West First Avenue
Hutchinson, KS 67501

PRA RECEIVABLES MANAGEMENT, LLC
SEE – Anchor Receivables Management
PROCHECK;
Revenue Assurance Professionals, P.P., d/b/a
6077 Primacy Parkway, Suite 427
Memphis, TN 38119

PROFESSIONAL BUREAU OF COLLECTIONS OF MARYLAND,
INC.
9675 Elk Grove Florin Road
Elk Grove, CA 95624

PROFESSIONAL CREDIT SERVICES, INC.
500 Bi-County Boulevard, Suite 350
Farmingdale, NY 11735-0883

PROFIT & LOSS, INC.
SEE – P& L, Inc.
PROGRESSIVE MANAGEMENT SYSTEMS
R.M. Galicia, Inc., d/b/a
1521 W. Cameron Avenue, 1st Floor
West Covina, CA 91790

R.M. CONNECTICUT SERVICES, INC.
R.M. Services, Inc. d/b/a
639 Research Parkway
Meriden, CT 06450

R.M. GALICIA, INC.
SEE - Progressive Management Systems
R.M. SERVICES, INC.
SEE – R.M. Connecticut Services, Inc.
REAL TIME RESOLUTIONS, INC.
1750 Regal Row
Dallas, TX 75235

RECOVERY BUREAU OF AMERICA, INC.
28035 N. Avenue Stanford
Valencia, CA 91355

RELIABLE ADJUSTMENT BUREAU, INC.
685 East Cochran Street, Suite 200
Simi Valley, CA 93065

RELIABLE ADJUSTMENT BUREAU OF FLORIDA, INC.
685 East Cochran Street, Suite 200
Simi Valley, CA 93065

REVCARE, Inc.
SEE - Merchants Recovery Services, Inc.
RISK MANAGEMENT ALTERNATIVES, INC.
1500 Commerce Drive
Mendota Heights, MN 55120

RISK MANAGEMENT ALTERNATIVES, INC.
2901 North Central
Suite 1550 Tower 1
Phoenix, AZ 85012

RISK MANAGEMENT ALTERNATIVES, INC.
1330 Broadway, Suite 310
Oakland, CA 94612
A
RISK MANAGEMENT ALTERNATIVES, INC.
7775 Baymeadows Way, Suite 302
Jacksonville, FL 32256

RISK MANAGEMENT ALTERNATIVES, INC.
2 Concourse Parkway, Suite 840
Atlanta, GA 30328

RISK MANAGEMENT ALTERNATIVES, INC.
4360 NE Expressway
Atlanta, GA 30340

RISK MANAGEMENT ALTERNATIVES, INC.
9180 West Barnes Drive
Boise, ID 83709

RISK MANAGEMENT ALTERNATIVES, INC.
2200 S. Busse Road
Mt. Prospect, IL 60056

RISK MANAGEMENT ALTERNATIVES, INC.
2903 Enterprise Drive, First Floor
Anderson, IN 46013

RISK MANAGEMENT ALTERNATIVES, INC.
8205 W 108the Terrace, Suite 200
Overland Park, KS 66212

RISK MANAGEMENT ALTERNATIVES, INC.
1929 Reisterstown Road, Suite 300
Baltimore, MD 21208

RISK MANAGEMENT ALTERNATIVES, INC.
4835 Howard Gnesen Road
Duluth, MN 55803

RISK MANAGEMENT ALTERNATIVES, INC.
10825 Watson Road, First Floor
St. Louis, MO 63132

RISK MANAGEMENT ALTERNATIVES, INC.
301 North Third, Suite 2A
Grand Forks, ND 58203

RISK MANAGEMENT ALTERNATIVES, INC.
4600B Montgomery Blvd NE
Albuquerque, NM 87109

RISK MANAGEMENT ALTERNATIVES, INC.
2429 Sweet Home Road, Suite 150
Amherst, NY 14228

RISK MANAGEMENT ALTERNATIVES, INC.
802 East Martintown Road, Suite 201
North Augusta, SC 29841

RISK MANAGEMENT ALTERNATIVES, INC.
2550 SW Grapevine Parkway, Suite 100
Grapevine, TX 76051

RISK MANAGEMENT ALTERNATIVES, INC.
10565 Katy Freeway, Suite 300
Houston, TX 77024

RISK MANAGEMENT ALTERNATIVES, INC.
9990 Richmond Avenue
Suite 350 North
Houston, TX 77042

RISK MANAGEMENT ALTERNATIVES, INC.
7324 SW Freeway
Arena Tower II, Suite 1100
Houston, TX 77074

RISK MANAGEMENT ALTERNATIVES, INC.
601 NW Loop 410, Suite 290
San Antonio, TX 78216
ADDRESS CHANGE: 08-01-99

RISK MANAGEMENT ALTERNATIVES, INC.
5101 Monument Avenue
Richmond, VA 23230

RISK MANAGEMENT ALTERNATIVES, INC.
Park Center 1
33400 8th Avenue South, Suite 100
Federal Way, WA 98003

RISK MANAGEMENT ALTERNATIVES, INC.
535 South Center Street
Casper, WY 82601

RISK MANAGEMENT ALTERNATIVES, INC.
8400 W. 110th Street
Overland Park, KS 66210

RISK MANAGEMENT ALTERNATIVES, INC.
100 Campusview Blvd., Suite 105
Worthington, OH 43085

RISK MANAGEMENT ALTERNATIVES, INC.
2901 North Central, Suite 1550, Tower 1
Phoenix, AZ 85012

RISK MANAGEMENT ALTERNATIVES, INC.
10 Lake Center Executive Park, Suite 100
401 Rt. 73 North
Marlton, NJ 08053

RISK MANAGEMENT ALTERNATIVES, INC.
880 Grier Drive
Las Vegas, NV 89119

RISK MANAGEMENT ALTERNATIVES, INC.
670 Morrison Road
Gahanna, OH 43230

SALLIE MAE SERVICING CORPORATION
2000 Bluffs Drive
Lawrence, KS 66044

SCHREIBER & ASSOCIATES, P.C.
99 Rosewood Drive
P.O. Box 210
Danvers, MA 01923

SECURITY CHECK, LLC
2612 Jackson Avenue West
Oxford, MS 38655

SECURITY CREDIT SYSTEMS, INC.
1250 Niagara Street
Buffalo, NY 14213

SOUTHEASTERN CREDIT BUREAU, INC.
SEE – Park Dansan
SOUTHWEST CREDIT SYSTEMS, INC.
2629 Dickerson Parkway
Carrollton, TX 75007

SRA ASSOCIATES, INC.
1000 Maplewood Drive, Suite 207
Maple Shade, NJ 08052

STANLEY WEINBERG AND ASSOCIATES
First Credit Services, Inc., d/b/a
1200 Roosevelt Road, Suite 314
Glen Ellyn, IL 60137

ST. HILL & ASSOCIATES, P.C.
St. Hill & Associates, Professional Association (P.C.), Inc., d/b/a
1315 Walnut Street
Philadelphia, PA 19107
ADDRESS CHANGE 2-2000

KEVIN L. STRING CO., L.P.A.
SEE – Kevin L. String Co., L.P.A.
SUNRISE CREDIT SERVICES, INC.
2174 Jackson Avenue
Seaford, NY 11783-2608

SURPAS RESOURCE CORPORATION
3120 Hayes Road, Suite 200
Houston, TX 77082

SYSTEMS & SERVICES TECHNOLOGIES, INC.
4315 Pickett Road
St. Joseph, MO 64503

TELECHECK RECOVERY SERVICES, INC.
5251 Westheimer
Houston, TX 77056-5404

TEMPEST RECOVERY SERVICES, INC.
4315 Pickett Road
St. Joseph, MO 64503

TATE & KIRLIN ASSOCIATES
2810 Southampton road
Philadelphia, PA 19154

THE CREDIT STORE, INC.
See - Credit Store, Inc. (The)
THE HUARD AGENCY
See - Huard Agency (The)

THOMAS AGENCY (THE)
4 Union Street – Suite 22
Bangor, ME 04401

THOMAS AGENCY (THE)
561 Forest Avenue
Portland, ME 04101

TOTAL CREDIT RECOVERY USA GROUP, INC.
11300 Rockville Pike, Suite 1200
Rockville, MD 20852

TRANSWORLD SYSTEMS, INC.
also D/B/A Credit Management Services or “TSI”
500 W. Cummings Park, #4350
Woburn, MA 01801-6515

TRANSWORLD SYSTEMS, INC.
also D/B/A Credit Management Services or “TSI”
5880 Commerce Blvd.
Rohnert Park, CA 94928

TRIADVANTAGE CREDIT SERVICES, INC.
7801 Metro Parkway, Suite 100
Bloomington, MN 55437

TRIADVANTAGE CREDIT SERVICES, INC.
1185 North Concord
South St. Paul, MN 55075

TRIADVANTAGE CREDIT SERVICES, INC.
100 Quentin Roosevelt Boulevard, Suite 200
Garden City, NJ 11530

TRITIUM CARD SERVICES, INC.
51 Charles Lindbergh Blvd.
Uniondale, NY 11553
ADDRESS CHANGE 08-14-2000

TRUMBULL SERVICES, L.L.C.
a.k.a. Trumbull Services Company
Griffin Center, 4 Griffin Road North
Windsor, CT 06095

TSI
SEE - Transworld Systems, Inc.
TSYS TOTAL DEBT MANAGEMENT, INC.
6356 Corley Road
Norcross, GA 30071

UCB
SEE – United Collection Bureau, Inc.
UNION SQUARE REALTY CORP.
SEE – D/M Collection Service

UNITED COLLECTION BUREAU, INC.
Also doing business as UCB
5620 Southwyck Blvd., Suite 206
Toledo, OH 43614-1502

UNITED COMPUCRED COLLECTIONS, INC.
4190 Harrison Avenue
Cincinnati, OH 45211

UNIVERSAL FIDELITY CORPORATION
Also doing business as Fidelity Account Services
1445 Langham Creek Drive
Houston, TX 77084

UTILITY COLLECTIONS, LTD.
SEE – Commerce Service Corporation
VALENTINE & KEBARTAS, INC.
360 Merrimack Street
Lawrence, MA 01843

VAN RU CREDIT CORPORATION
10024 Skokie Boulevard
Skokie, IL 60077-1081

VENGROFF, WILLIAMS & ASSOCIATES, INC.
3508 N. Tamiami Trail
Sarasota, FL 34234

WALKER ASSOCIATES, INC.
One Court Street
Boston, MA 02108

WEINBERG, STANLEY AND ASSOCIATES
SEE – Stanley Weinberg and Associates
WESTMORELAND AGENCY, INC. (THE)
456 North Kimball Place
Boise, ID 83704

WILLIAM T. L’HEUREUX
SEE - L’Heureux Agency (The)
WINDHAM PROFESSIONALS, INC.
380 Main Street
Salem, NH 03079
ADDRESS CHANGE: 05-14-98

WOLPOFF & ABRAMSON, L.L.P.
7272 Wisconsin Avenue, 4th Floor
Bethesda, MD 20814

Debt collectors are America's most wanted criminals! They are criminals because they violate our consumer protection laws millions of times every day. Convicted or not, that easily makes them criminals for the simple reason that those who break our laws are criminals.

Hundreds of people including law enforcement must hunt for these criminals daily. That easily makes them the most wanted criminals in America today! The link above will lead you to a listing of thousands of America's most wanted criminals. I hope it helps you find the one you are looking for.

criminals

Collection agencies in New York

2005-05-11T11:49:00.000-05:00

Active Credit & Collection Bur
18 Wincrest Dr,
Queensbury, New York (NY) 12804
(518) 792-5885

Allied Collection Co
Granville, New York (NY) 12832
(518) 642-3714

American Collection Systems Inc
29 Weston Dr,
Clifton Park, New York (NY) 12065
(518) 877-6126

Capricorn Collection Services
Rt 9 B,
Rouses Point, New York (NY) 12979
(518) 297-2252

Cb Hv Inc
249 N Plank Rd,
Newburgh, New York (NY) 12550
(518) 465-0154

County Seat Abstract
17 W Main St,
Johnstown, New York (NY) 12095
(518) 762-3011

Equifax
1 Park Pl,
Albany, New York (NY) 12205
(518) 453-0556

Fuller Adjustment Bureau Inc
Vaughn Rd,
Hudson Falls, New York (NY) 12839
(518) 747-6574

Fulton County Credit & Collection Bureau
17 W Main St,
Johnstown, New York (NY) 12095
(518) 762-3011

Key Credit Control
14 Mohican St,
Glens Falls, New York (NY) 12801
(518) 792-1216

Langr George Atty
17 W Main St,
Johnstown, New York (NY) 12095
(518) 762-3011

League Collection Svce Inc
1202 Troy Schenectady Rd,
Latham, New York (NY) 12110
(518) 377-8649

Midland Adjustment Bureau Inc
1200 Troy Schenectady Rd,
Latham, New York (NY) 12110
(518) 377-8649

Nco Financial Systems
900 Watervliet Shaker Rd,
Albany, New York (NY) 12205
(518) 786-8900

Northeast Adjusters Inc
105 Lake Hill Rd,
Burnt Hills, New York (NY) 12027
(518) 399-2411

Protex
1315 Route 146,
Clifton Park, New York (NY) 12065
(518) 383-4840

Rainbow Acres
Argyle, New York (NY) 12809
(518) 638-6096

Recovery Management Systems
194 Exchange St,
Albany, New York (NY) 12205
(518) 459-6186

Risk Management Alternatives
1 Park Pl,
Albany, New York (NY) 12205
(518) 437-0060

Sonrise Agency
69 Sweet Rd,
Argyle, New York (NY) 12809
(518) 638-6096

T Car
Schenectady, New York (NY) 12302
(518) 346-6286

Tcar Collection Svces
309 Union St,
Schenectady, New York (NY) 12305
(518) 346-6286

Telcom Northeast
50 Cypress Dr,
Schenectady, New York (NY) 12302
(518) 399-2411

Tmc Business Services
450 Hoosick St,
Troy, New York (NY) 12180
(518) 274-5163

Tracers International
3 Ecomm Sq,
Albany, New York (NY) 12207
(518) 453-2560

Tracers International
146 Barrett St,
Schenectady, New York (NY) 12305
(518) 370-3463

Upstate Collection Center Inc
1759 Union St,
Schenectady, New York (NY) 12309
(518) 377-8649

Upstate Recoveries
Vaughn Rd,
Hudson Falls, New York (NY) 12839
(518) 747-6574

Collection agencies in Nashville Tennessee

2005-05-11T11:02:00.000-05:00

Action Collection Agency Inc
(615) 673-8801 908 Harpeth Valley Pl
Nashville, TN

Automated Collection Services
(615) 361-6997 2285 Murfreesboro Pke
Nashville, TN

Franklin Collection Services Inc
(615) 315-0049 4731 Trousdale Dr
Nashville, TN

Long Recovery & Collections
(615) 496-2929 PO Box 171024
Nashville, TN

Recovery Systems Inc-R S I
(865) 379-9558 2479 Murfreesboro Pike # 110
Nashville, TN

FROST-ARNETT COMPANY
480 JAMES ROBERTSON PARKWAY NASHVILLE, TENNESSEE 37219 (615) 256-7156

NASHVILLE-DAVIDSON COUNTY TRUSTEE-DELINQUENT COLLECTIONS DIVISION-PERSONALITY TAXES
621 MAINSTREAM DR, NASHVILLE, TN 37228, (615) 862-6133

NASHVILLE-DAVIDSON COUNTY TRUSTEE-DELINQUENT COLLECTIONS DIVISION-REAL PROPERTY TAXES
621 MAINSTREAM DR, NASHVILLE, TN 37228, (615) 862-6140

T A C COLLECTIONS INC
277 WILSON PIKE, BRENTWOOD, TN 37027, (615) 373-5575

TENNESSEE STATE COLLECTIONS
436 6TH AVE N, NASHVILLE, TN 37243, (615) 741-2692

CUSTOM BILLING & COLLECTIONS
1208 S GRAYCROFT AVE, MADISON, TN 37115, (615) 865-2050

AUTOMATED BILLING & COLLECTIONS
3670 CENTRAL PIKE, NASHVILLE, TN, (615) 391-4515

AUTOMATED COLLECTIONS SERVICES INC
2285 MURFREESBORO PIKE, NASHVILLE, TN 37217, (615) 361-6997