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DqI(H3Įz ƟQ5^"7/+"Ptz}-[z>ޓi:#Ϧ)aDRIrړ~h o|h'J"׉+hS?3#c4"GW/~?幪_|~_y+jB-a0 !SH5}mɡ?7s97ZA M ͌ Xp{^ {~I_gZW>HaAN3!V^d4/J쟏A_ɧz- ǫpN䲺qttèM33%*o|W`kߒ*u:_iA8>"Kᤩtkx@ƽ} /y'ur?3z+8MMvKYE_A-֭dw r'I(|*| +.>ڥFi(L/ Wk_/'pxAiE83޿hFnR$95kKwOյMș`wpeA/"#DG 5 Va4&+.+[~0B, tk2 :Ⱦ*$U[_׿[c@xzI˃ \ "P!0L/DDl$Zb o 4_~Fonmp$P@-% aB9H!ӴA_A_6Ń{݄љ<1CddAAs=;A^!Na&_z29#/D  3!67(t+!\CABbcaoo_뎼G[IpdMXO1w%B'4Av I_ֿ{Z~N2~"Pڮ03#%"<4T oU@:0 & h пWDZj N a` -u?c] #mvN!B""0A ak`*+^s}匰}oqTIC .aa.߯7_޸mO#DJ7Tb +ׇ 5| \٭Ha}zOucDDJ 1@XL&^Wi*ןm#\~\D\ "#TP@mj]}_~zqsYoA/~zTi7j{3B !}8^G\,5 iD5^b" L;bXaa{Rr\'ȃMGb'޿ށi[r+C?8dLj"!/ ji;܋ V(A반@O7o_Qh_27O =RRFcX (* `ku U)ш`!aqV",w7"΀A|!2CIXJ }aKqZB<("\U.5 H?̅̍\ Qv!"o;C+V #CIæMsuH4-H,+'Z5LdHlt>hhL0>)r ?4ND.%ĺc{Z7qxM;8XzpȶBD>x=)(z&iùE"H B n%_,OPY[WIB .'| Ca͊|B~V4J0N߽O蕷i׮[^?n 0H _bŅvnmοKbyp_Xׇ^??B@ ?ǻ|3K_Ikl?Wk_]>?ݮaV_APc)Y# ]QUzd#-MP7V JD TCkX=8BKan߯{V A[ƚq&_0'c6C'"B0D^֟\XLgaBԠ[j)\0*k>""%'El*4Bp6p0TR(0kA5WKĒ1` [|> Oa ?DA> yh+K[N?-&K_ad-ׄKAh;);3A׊,?i}*4#8ginwpa3r<8 AzO :f) endstream endobj 7 0 obj<> endobj 8 0 obj<> endobj 9 0 obj<> endobj 10 0 obj<> endobj 11 0 obj<>/XObject<>/ProcSet[/PDF/Text/ImageB/ImageC]>> endobj 12 0 obj<>stream q q 612.24 0.00 0.00 790.80 0.00 0.00 cm 0.00 0.00 0.00 rg /Im13 Do Q Q q BT 3 Tr /F14 11.36 Tf 36.72 780.48 TD (03/24/2004 09: ) Tj /F15 9.34 Tf 78.96 -1.44 TD (42 FAX 8159874236) Tj /F16 10.18 Tf -75.84 -674.40 TD (28.) Tj /F14 12.03 Tf 234.72 672.00 TD (u. S. ) Tj /F16 8.33 Tf 28.08 -.48 TD (ATTORNEY) Tj /F14 9.06 Tf 228.24 -4.32 TD (!4 003) Tj /F15 11.65 Tf -286.32 -49.44 TD (JURISDICTION AND ) Tj /F16 15.30 Tf 118.80 -1.68 TD (VENU) Tj /F16 34.55 Tf -249.36 -18.48 TD (1. ) Tj /F16 12.93 Tf 34.56 -.96 TD (Ths is an ) Tj /F15 5.00 Tf 49.92 -.24 TD (action arsing under ) Tj /F16 11.96 Tf 104.16 -2.40 TD (g 5\(m\)\(1\)\(A\), 13\(b\), and 16\(a\) of the 鶹ý Trade) Tj /F16 12.35 Tf -225.60 -18.96 TD (Commssion Act \(") Tj /F16 12.01 Tf 92.40 -1.68 TD (FTC Act") Tj /F15 5.00 Tf 47.04 -.96 TD (\), 15 ) Tj /F16 5.00 Tf 46.80 -.72 TD (C. ) Tj /F16 12.08 Tf 28.80 -.72 TD (45\(a\), 53\(b\), and 56\(a\), and the Fan Debt Collection) Tj /F16 11.90 Tf -216.00 -18.96 TD (Practices Act \(") Tj /F16 12.10 Tf 74.88 -1.20 TD (FDCPA") Tj /F15 5.00 Tf 43.92 -.96 TD (\), 15 ) Tj /F16 5.00 Tf 46.56 -.72 TD (C. ) Tj /F15 8.97 Tf 14.64 -.48 TD (gg 1692) Tj /F16 11.27 Tf 44.16 -.48 TD (et seq.) Tj /F16 12.07 Tf 36.24 -.96 TD (to obtain ) Tj /F14 12.35 Tf 45.60 -1.20 TD (monetar civil ) Tj /F15 7.87 Tf 72.72 -.96 TD (penalties and injunctive) Tj /F16 11.88 Tf -378.96 -16.08 TD (and other equitable relief for defendants) Tj /F16 11.57 Tf 191.52 -3.60 TD (' violations of the FDCP A.) Tj /F16 12.99 Tf -120.72 -21.12 TD (Ths Cour has jursdiction ) Tj /F15 5.00 Tf 131.28 -2.16 TD (over ths matter under 28 ) Tj /F16 5.00 Tf 144.96 -2.64 TD (C. ) Tj /F16 10.68 Tf 30.48 -.72 TD (1331) Tj /F16 11.81 Tf 23.28 -.48 TD (, 1337) Tj /F16 11.62 Tf 30.00 -.48 TD (, 1345) Tj /F16 11.48 Tf 30.00 -.72 TD (, and) Tj /F16 10.80 Tf -460.80 -14.16 TD (1355) Tj /F15 5.00 Tf 22.80 -.72 TD (, and under 15 ) Tj /F16 5.00 Tf 92.64 -1.44 TD (c. ) Tj /F16 11.76 Tf 28.56 -.48 TD (45\(m\)\(1\)\(A\), 53\(b\), 5Th) Tj /F15 5.00 Tf 115.44 -2.64 TD (, and ) Tj /F16 5.00 Tf 26.88 -.24 TD (16921. ) Tj /F16 12.91 Tf 35.52 -.96 TD (Ths action arses under ) Tj /F16 5.00 Tf 119.04 -1.68 TD (15 ) Tj /F16 12.08 Tf -433.68 -15.12 TD (45\(a\)\(I\) and 15 U.) Tj /F16 5.00 Tf 98.64 -1.92 TD (C. ) Tj /F16 10.30 Tf 20.64 -.48 TD (16921.) Tj /F16 35.27 Tf -92.64 -21.12 TD (3. ) Tj /F16 11.95 Tf 35.28 -.96 TD (Venue is proper in the United States ) Tj /F16 12.79 Tf 176.16 -3.36 TD (Distrct Cour for the ) Tj /F16 13.71 Tf 103.68 -1.92 TD (Nortern Distrct ofllinois) Tj /F15 5.00 Tf -351.60 -16.56 TD (under 28 ) Tj /F16 5.00 Tf 66.24 -.96 TD (C. ) Tj /F14 10.61 Tf 30.48 -.72 TD (1391\(b-c\) and 1395\(a\), and 15 D.) Tj /F16 5.00 Tf 168.24 -3.36 TD (C. ) Tj /F16 11.53 Tf 22.56 -.24 TD (53\(b\).) Tj /F16 12.27 Tf -81.60 -44.40 TD (DEFENDANTS) Tj /F16 13.67 Tf -136.08 -20.40 TD (Defendat ) Tj /F16 11.94 Tf 53.52 -.96 TD (Capital Acquisitions and Management Corp. \(") Tj /F16 12.07 Tf 225.84 -4.56 TD (CAMCO") Tj /F16 11.87 Tf 49.44 -.72 TD (\), is a for-) Tj /F16 12.10 Tf 47.04 -.96 TD (profit) Tj /F14 11.05 Tf -447.12 -14.40 TD (corporation organzed) Tj /F16 12.98 Tf 104.88 -1.92 TD (, existig, and ) Tj /F16 12.01 Tf 69.60 -1.20 TD (doing business under the laws of the State ) Tj /F16 13.88 Tf 204.72 -4.08 TD (ofllinois. Its ) Tj /F16 11.68 Tf 70.56 -1.44 TD (principal) Tj /F16 11.91 Tf -450.48 -14.40 TD (place of business is located at 303 N. Main Street, Rockford) Tj /F14 12.84 Tf 286.80 -5.76 TD (, Ilinois. At all ) Tj /F14 11.27 Tf 79.20 -.96 TD (times relevant to ths) Tj /F16 13.51 Tf -366.00 -16.32 TD (complait) Tj /F16 11.89 Tf 47.76 -.72 TD (, defendant CAMCO has transacted business in ) Tj /F14 12.38 Tf 227.76 -4.56 TD (ths distrct.) Tj /F16 12.13 Tf -205.20 -18.72 TD (Defendant RM Financial Servces, Inc. \(") Tj /F16 11.97 Tf 198.00 -4.08 TD (RM") Tj /F16 12.25 Tf 23.76 -.24 TD (\), is a) Tj /F16 12.01 Tf 29.52 -.48 TD (for-) Tj /F16 12.33 Tf 18.24 -.48 TD (profit corporation organzed) Tj /F14 10.56 Tf -340.56 -16.32 TD (eXIsting, and doing business under the laws ) Tj /F16 11.77 Tf 209.52 -4.08 TD (of the) Tj /F16 11.98 Tf 26.88 -.48 TD (. State of Georgia. ) Tj /F16 12.85 Tf 90.48 -1.68 TD (Its pricipal place of ) Tj /F14 10.34 Tf 102.72 -1.44 TD (business is) Tj /F16 11.87 Tf -430.08 -15.36 TD (located at 3000 North) Tj /F15 8.52 Tf 112.08 -1.92 TD (oods Parkway, Suite 105) Tj /F16 11.74 Tf 118.32 -2.64 TD (, Norcross) Tj /F16 12.39 Tf 48.72 -.96 TD (, Georgia 30071. At all ) Tj /F16 17.58 Tf 117.36 -1.68 TD (ties ) Tj /F14 10.85 Tf 28.80 -.24 TD (relevant to) Tj /F14 11.07 Tf -425.76 -15.84 TD (this complaint) Tj /F16 11.85 Tf 67.92 -1.20 TD (, defendant RM has ) Tj /F16 15.43 Tf 95.76 -1.92 TD (trsacted ) Tj /F16 12.23 Tf 51.84 -.96 TD (business in this distrct.) Tj /F15 9.41 Tf -144.96 -20.16 TD (Defendat Reese ) Tj /F16 11.88 Tf 84.72 -1.92 TD (Waugh \(") Tj /F16 11.94 Tf 46.32 -.72 TD (Waugh") Tj /F16 11.99 Tf 39.12 -.96 TD (\) is a vice president, the chief operating officer and a) Tj /F16 12.22 Tf -241.20 -18.48 TD (director of CAMCO and the president ofRM. ) Tj /F14 10.60 Tf 223.92 -4.32 TD (Waugh resides at 12757 ) Tj /F14 12.47 Tf 117.84 -2.40 TD (Nortwood Drive) Tj /F16 11.64 Tf 86.40 -1.20 TD (, Genoa,) Tj /F16 12.47 Tf -428.88 -15.12 TD (llinois 60135-) Tj /F14 11.39 Tf 70.32 -1.44 TD (8343. Individually and in his ) Tj /F16 11.71 Tf 143.04 -2.64 TD (capacity as vice-) Tj /F15 8.23 Tf 77.76 -1.68 TD (president and chief operatig.) Tj /F16 13.21 Tf 144.24 -2.16 TD (offcer of) Tj /F16 12.13 Tf -435.60 -15.12 TD (CAMCO and president ofRM) Tj /F16 11.86 Tf 144.96 -2.88 TD (, defendant Waugh has formulated) Tj /F16 12.00 Tf 164.16 -3.12 TD (, directed, and controlled the acts and) Tj /F16 11.89 Tf -309.84 -16.80 TD (practices of CAMCO and RM) Tj /F16 12.08 Tf 143.76 -2.64 TD (, including the acts and practices alleged herein. ) Tj /F16 11.94 Tf 234.72 -4.08 TD (At all times relevant to) Tj /F14 12.69 Tf -378.72 -16.56 TD (ths complait) Tj /F16 11.91 Tf 67.68 -.96 TD (, defendant Waugh, ) Tj /F15 8.88 Tf 96.24 -1.92 TD (individuay and actig ) Tj /F14 12.45 Tf 111.84 -1.92 TD (throug CAMCO ) Tj /F16 11.96 Tf 88.56 -1.68 TD (and RM) Tj /F16 11.93 Tf 38.88 -.48 TD (, has transacted) Tj /F16 11.79 Tf -403.44 -15.84 TD (business in this district.) Tj /F16 12.02 Tf 69.60 -24.00 TD (Defendant Jerome Kuebler \(") Tj /F16 11.92 Tf 141.36 -3.12 TD (Kuebler) Tj /F16 12.14 Tf 43.44 -.72 TD (\) is vice president of operations ofCAMCO.) Tj /F16 11.90 Tf -255.60 -17.52 TD (Kuebler resides at 604 ) Tj /F15 10.55 Tf 109.68 -1.92 TD (Oakiew Avenue) Tj /F16 11.88 Tf 82.80 -1.68 TD (, Joliet) Tj /F16 12.07 Tf 31.92 -.96 TD (, IL 60433. Individually and in his capacity of vice) Tj /F16 9.49 Tf -224.88 -23.28 TD (Complaint - Page 2 of 8) Tj ET Q endstream endobj 13 0 obj<>/Width 2551/Height 3295/BitsPerComponent 1/Decode[0 1]/ImageMask true/Type/XObject/Name/Im13/Subtype/Image/eCpyDPIX 300/eCpyDPIY 300/eCpyColor[0 0 0]>>stream &<~S- _!%YǏWd5Kx@e^ٯEFvTak,Bp Dޒ % *zi7. c5 }RݦBAN`cꗤ<5E"U=/n[]8|&FFC".kFONAR2@0k`B4tWޑ;` ΢qT-zm4aE 郭-Rm/~~yDݠ$*]?8?Bu[D - ]vX}1ҦSq ]}w~[>Ii%iSӥ? '#aAvkiGTk`86 ?_-{;V)R'3@Bqe%ZiII,RJB7O=8. 8WI&\$C4%Tmz&XxRwD'aKb h}z}良-@(ZNI)2;]/t-Ƌ9(w/{h5ئ4T#n!&I+Ҷ]ѐ:+I|ޕSv)Ehe0CqL{֩"5_! 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ATTORNEY) Tj /F23 10.91 Tf 244.32 -5.28 TD (!4004) Tj /F23 12.05 Tf -454.08 -46.80 TD (president of operations of CAMCO) Tj /F23 11.85 Tf 171.12 -3.84 TD (, Kuebler has formulated) Tj /F23 11.55 Tf 118.56 -1.92 TD (, directed) Tj /F23 11.87 Tf 43.20 -1.20 TD (, and controlled the acts and) Tj /F23 12.07 Tf -333.36 -16.08 TD (practices of CAMCO) Tj /F21 10.92 Tf 103.68 -2.16 TD (, including the acts and practices aleged herein. ) Tj /F23 11.89 Tf 233.76 -4.80 TD (At all times relevant to this) Tj /F23 12.00 Tf -337.44 -16.08 TD (complaint) Tj /F23 11.98 Tf 48.48 -.96 TD (, defendant Kuebler) Tj /F23 11.99 Tf 94.80 -2.16 TD (, individually and acting though CAMCO, has transacted business in ) Tj /F23 14.40 Tf 332.40 -6.96 TD (ths) Tj /F23 13.01 Tf -476.16 -12.72 TD (distrct.) Tj /F23 13.73 Tf 71.28 -24.48 TD (Defendat ) Tj /F22 7.60 Tf 53.76 -1.20 TD (Scott R. ) Tj /F21 12.30 Tf 41.04 -.96 TD (Frason \(") Tj /F23 11.99 Tf 50.40 -.96 TD (Franson) Tj /F23 11.84 Tf 43.68 -.96 TD (\) is a debt collection manager and a debt) Tj /F23 12.15 Tf -261.36 -17.76 TD (collector at CAMCO. Franson resides at 12965 ) Tj /F22 11.13 Tf 232.08 -4.80 TD (Willam Cour) Tj /F23 11.73 Tf 73.68 -1.68 TD (, Genoa) Tj /F23 12.00 Tf 36.72 -.72 TD (, IL 60135. Individually and in) Tj /F23 11.91 Tf -343.20 -16.08 TD (his capacity as a debt collection manager and debt collector of CAMCO) Tj /F23 11.83 Tf 343.44 -7.44 TD (, Franson has formulated) Tj /F23 12.00 Tf -343.68 -15.60 TD (directed) Tj /F23 12.54 Tf 38.88 -1.20 TD (, paricipated in) Tj /F23 11.85 Tf 75.12 -1.68 TD (, and controlled the acts and practices of CAMCO) Tj /F23 11.83 Tf 237.84 -4.56 TD (, including the acts and) Tj /F23 12.07 Tf -352.80 -15.84 TD (practices alleged herein. At all times relevant to this complaint) Tj /F23 11.77 Tf 302.64 -6.24 TD (, defendant Franson) Tj /F23 11.75 Tf 93.60 -1.92 TD (, individually and) Tj /F21 11.59 Tf -396.24 -14.64 TD (acting though CAMCO, ) Tj /F23 11.94 Tf 122.40 -2.88 TD (has transacted business in ) Tj /F21 12.12 Tf 126.00 -2.64 TD (ths distrct.) Tj /F23 12.25 Tf -176.64 -19.20 TD (Defendant Maro Bianchi \(") Tj /F23 12.07 Tf 133.92 -2.64 TD (Bianchi") Tj /F23 11.82 Tf 42.48 -1.20 TD (\) was a debt collection manager and a debt) Tj /F23 12.26 Tf -248.88 -17.76 TD (collector at RM. Bianchi is curently a debt collection ) Tj /F23 11.78 Tf 262.80 -5.52 TD (manager and a debt collector at CAMCO') Tj /F22 9.27 Tf -263.04 -17.52 TD (Schaumburg offce. ) Tj /F23 11.90 Tf 100.08 -2.16 TD (Bianchi resides at 3N561 Meadow Road) Tj /F23 11.79 Tf 192.72 -3.84 TD (, Addison) Tj /F23 12.00 Tf 46.08 -1.20 TD (, IL 60101. Individually and in) Tj /F23 11.90 Tf -339.84 -15.84 TD (his capacity as a debt collection manager and debt collector of CAMCO and RM) Tj /F23 11.74 Tf 384.48 -7.68 TD (, Bianchi has) Tj /F23 11.98 Tf -384.72 -15.12 TD (formulated) Tj /F23 11.80 Tf 53.04 -.96 TD (, directed) Tj /F23 12.46 Tf 44.64 -1.44 TD (, paricipated in) Tj /F23 11.85 Tf 74.64 -1.44 TD (, and controlled the acts and practices of CAMCO and RM) Tj /F23 13.25 Tf -172.80 -18.96 TD (includig the ) Tj /F23 12.36 Tf 66.24 -1.20 TD (acts and practices aleged herein. ) Tj /F22 7.73 Tf 162.72 -3.36 TD (At al times relevant to ) Tj /F21 12.78 Tf 111.36 -3.60 TD (ths complait) Tj /F21 10.55 Tf 68.16 0.00 TD (, defendant) Tj /F23 11.96 Tf -408.96 -14.64 TD (Bianchi) Tj /F23 11.97 Tf 37.68 -.72 TD (, individually and ) Tj /F23 13.75 Tf 87.12 -1.68 TD (actin though ) Tj /F23 11.85 Tf 71.76 -1.68 TD (CAMCO and RM) Tj /F23 11.83 Tf 84.96 -1.68 TD (, has transacted business in ) Tj /F21 12.22 Tf 130.80 -2.64 TD (ths distrct.) Tj /F23 10.18 Tf -375.12 -15.36 TD (10.) Tj /F23 11.90 Tf 34.80 -.72 TD (Defendants CAMCO) Tj /F23 11.79 Tf 101.52 -2.40 TD (, RM) Tj /F21 10.70 Tf 24.24 -.24 TD (, Waugh) Tj /F23 11.74 Tf 40.32 -1.20 TD (, Kuebler) Tj /F23 11.67 Tf 43.68 -.48 TD (, Franson) Tj /F23 11.85 Tf 43.92 -1.20 TD (, and Bianchi are ") Tj /F23 11.76 Tf 88.32 -1.20 TD (debt collectors) Tj /F21 10.89 Tf -414.72 -14.88 TD (as defmed in Section 803\(6\) of the FDCPA, 15 U.) Tj /F23 5.00 Tf 249.12 -5.28 TD (C. ) Tj /F23 11.19 Tf 20.88 -.24 TD (1692a\(5\).) Tj /F22 12.49 Tf -146.88 -43.44 TD (FAI DEBT ) Tj /F23 12.71 Tf 67.44 -1.44 TD (COLLECTION PRACTICES ACT) Tj /F23 10.37 Tf -154.32 -19.68 TD (11.) Tj /F23 11.84 Tf 34.80 -.96 TD (In 1977) Tj /F23 11.86 Tf 37.20 -.72 TD (, Congress passed the FDCPA) Tj /F21 10.43 Tf 143.52 -2.88 TD (, 15 U.) Tj /F23 5.00 Tf 41.52 -.48 TD (C. ) Tj /F23 11.04 Tf 20.40 -.48 TD (1692) Tj /F23 11.27 Tf 28.80 -.24 TD (et seq.) Tj /F23 11.73 Tf 36.48 -.96 TD (which became effective) Tj /F23 11.93 Tf -380.40 -15.60 TD (on March 20) Tj /F23 11.71 Tf 61.44 -1.20 TD (, 1978) Tj /F23 11.97 Tf 30.48 -.96 TD (, and has been in force since that date. Section 814 ) Tj /F23 11.84 Tf 245.04 -4.32 TD (of the FDCPA) Tj /F21 10.59 Tf 68.64 -1.44 TD (, 15 U.) Tj /F22 7.90 Tf 42.00 -.96 TD (C. 9) Tj /F23 11.81 Tf -447.12 -14.16 TD (1692/) Tj /F21 11.38 Tf 26.88 -.48 TD (, authories the Commssion to ) Tj /F23 12.72 Tf 151.20 -3.12 TD (use al of its fuctions and ) Tj /F23 11.84 Tf 127.20 -2.40 TD (powers under the FTC Act to enforce) Tj /F21 10.86 Tf -306.48 -17.04 TD (compliance with the FDCP A by any debt collector) Tj /F23 12.11 Tf 240.72 -5.04 TD (, irespective of whether that debt ) Tj /F23 11.49 Tf 161.76 -2.88 TD (colle) Tj /F23 12.07 Tf 27.60 -.48 TD (tor is) Tj /F23 11.81 Tf -430.56 -14.88 TD (engaged in commerce or meets any other ) Tj /F23 12.34 Tf 197.04 -4.32 TD (jursdictional tests set ) Tj /F23 12.02 Tf 106.56 -1.92 TD (by the FTC Act. The authority of the) Tj /F23 11.78 Tf -303.84 -16.56 TD (Commission in this regard includes the power to enforce the provisions of the FDCP ) Tj /F23 11.90 Tf 401.76 -7.68 TD (A in the same) Tj /F21 11.90 Tf -402.96 -15.36 TD (maner as if ) Tj /F23 11.86 Tf 62.16 -.96 TD (the violations of the FDCPA were violations of a 鶹ý Trade Commission trade) Tj /F21 11.30 Tf -62.40 -21.36 TD (reguation rule.) Tj /F23 9.54 Tf 0.00 -28.56 TD (Complaint - Page 3 of 8) Tj ET Q endstream endobj 20 0 obj<>/Width 2551/Height 3295/BitsPerComponent 1/Decode[0 1]/ImageMask true/Type/XObject/Name/Im20/Subtype/Image/eCpyDPIX 300/eCpyDPIY 300/eCpyColor[0 0 0]>>stream &<~WDZBKH&3-|TAz̋QnWDG;Z\erd+ gQ zvATdtڷ᪠΄Sմ7E0*>kU~mnjPȥJtN*5AC` XJ$FDH\sZҭz]:a|2zZ_ޝS|>S! dch*-Z_WA&AWT4:t"vtIM3QJk0_֝AFD?on sZI%G4/&Azդ=[@WKIkִo0"eB[؅@ SA+OONZ t-0AN-P$ЃH'1I{XI7r[]O%)IkCI^*G~ >)4eٱKIQ UK(ThxM/A?'$䞁gZzi7ipA;' "RJں獵OKѾ=^ 7#@ѣa\A)Af5ut~ޖ7O+޼E ;LVT?O^õ눈0piu߻4RkoFz^q6f0L&xOvSKOJ;w_kt@ w.*޽|D|&`V! 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AwfrݰS^DT& /> endobj 22 0 obj<> endobj 23 0 obj<> endobj 24 0 obj<> endobj 25 0 obj<>/XObject<>/ProcSet[/PDF/Text/ImageB/ImageC]>> endobj 26 0 obj<>stream q q 612.24 0.00 0.00 790.80 0.00 0.00 cm 0.00 0.00 0.00 rg /Im27 Do Q Q q BT 3 Tr /F28 11.36 Tf 31.44 776.64 TD (03/24/2004 09: ) Tj /F29 9.32 Tf 78.96 -.96 TD (42 FAX 8159874236) Tj /F29 10.00 Tf -84.24 -515.28 TD (. 21) Tj /F28 12.13 Tf 242.88 513.36 TD (u. S. ) Tj /F30 8.33 Tf 28.32 -.24 TD (ATTORNEY) Tj /F28 8.24 Tf 228.00 -3.12 TD (14 005) Tj /F30 10.18 Tf -416.40 -49.92 TD (12.) Tj /F29 8.52 Tf 34.80 -.96 TD (The tenn ") Tj /F30 12.16 Tf 51.36 -.48 TD (consumer) Tj /F30 12.64 Tf 50.64 -.96 TD (" as used in this complait) Tj /F30 11.81 Tf 127.44 -1.92 TD (, means any ) Tj /F29 8.15 Tf 59.04 -.96 TD (natual person obligated or) Tj /F30 11.86 Tf -360.48 -17.76 TD (allegedly obligated to pay any debt) Tj /F28 10.12 Tf 166.56 -2.40 TD (, as ') Tj /F30 12.04 Tf 24.24 0.24 TD (debt" is defined in Section 803\(5\) of the ) Tj /F28 10.61 Tf 196.08 -3.36 TD (FDCPA., 15 V.) Tj /F30 5.00 Tf 80.64 -1.20 TD (C. ) Tj /F30 11.44 Tf -467.04 -16.08 TD (1692a\(5\).) Tj /F30 12.48 Tf 211.20 -26.16 TD (COUNT ONE) Tj /F30 12.81 Tf -154.08 -21.12 TD (VIOLATIONS OF THE ) Tj /F29 12.48 Tf 128.40 -1.68 TD (FAI DEBT COLLECTION PRACTICES ) Tj /F30 12.24 Tf 224.64 -3.12 TD (ACT) Tj /F30 10.18 Tf -375.12 -17.76 TD (13.) Tj /F28 10.55 Tf 35.04 -.72 TD (On numerous occasions) Tj /F30 11.96 Tf 114.24 -1.68 TD (, in connection with the collection of debts) Tj /F28 10.58 Tf 204.72 -2.64 TD (, d) Tj /F30 11.73 Tf 17.04 -.24 TD (fendants have) Tj /F30 11.97 Tf -408.48 -17.52 TD (communicated with a ) Tj /F30 17.21 Tf 106.08 -1.44 TD (conser ) Tj /F30 12.11 Tf 49.20 -.96 TD (without the consumer) Tj /F30 11.89 Tf 108.72 -1.20 TD (s prior consent given directly to the debt) Tj /F30 11.89 Tf -264.24 -19.68 TD (collector or the express ) Tj /F28 12.33 Tf 113.52 -1.44 TD (pe:rssion of a cour of ) Tj /F29 8.29 Tf 118.56 -1.44 TD (competent jursdiction:) Tj /F30 11.93 Tf -160.80 -20.88 TD (at times or places that defendants knew or should have known to be inconvenient to the) Tj /F30 11.85 Tf -.24 -23.28 TD (consumer) Tj /F30 12.27 Tf 51.84 -.96 TD (including but not limted to communcating with the consumer ) Tj /F30 11.82 Tf 303.60 -3.84 TD (at the) Tj /F30 11.85 Tf -355.68 -18.24 TD (consumer) Tj /F30 11.93 Tf 50.16 -.96 TD (s place of employment when the debt collector knew or should have known) Tj /F28 10.98 Tf -50.88 -22.56 TD (that it is inconvenient for the consumer to receive such communcations) Tj /F30 11.99 Tf 345.12 -4.80 TD (, in violation of) Tj /F30 11.95 Tf -344.64 -18.00 TD (Section 805\(a\)\(1\) of the FDCPA) Tj /F28 10.88 Tf 156.48 -2.16 TD (, 15 V.) Tj /F28 11.28 Tf 42.24 -.48 TD (C. 9 1692c\(a\)\(I\); or) Tj /F30 12.02 Tf -199.68 -19.68 TD (at the consumer) Tj /F30 11.93 Tf 80.16 -1.44 TD (s place of employment when defendants knew or had reason to know) Tj /F28 10.70 Tf -80.64 -21.60 TD (that the consumer) Tj /F30 11.92 Tf 89.76 -1.20 TD (s employer prohibited the consumer from ) Tj /F29 8.86 Tf 200.64 -2.64 TD (receivig such) Tj /F30 12.47 Tf -290.40 -19.20 TD (communcations) Tj /F30 11.82 Tf 79.44 -1.20 TD (, in violation of Section 805\(a\)\(3\) of the FDCP A) Tj /F28 10.67 Tf 233.28 -3.12 TD (, 15 U.) Tj /F29 8.00 Tf 41.52 -.24 TD (C. ~) Tj /F30 11.49 Tf -353.28 -18.48 TD (1692c\(a\)\(3\).) Tj /F30 11.14 Tf -37.20 -22.56 TD (14.) Tj /F28 10.55 Tf 36.00 -.72 TD (On numerous occasions) Tj /F30 11.94 Tf 114.48 -1.68 TD (, in connection with the collection of debts) Tj /F30 11.81 Tf 204.00 -2.16 TD (, defendants have) Tj /F30 11.90 Tf -390.24 -17.76 TD (communicated with ) Tj /F30 14.52 Tf 97.20 -1.68 TD (thd paries ) Tj /F28 11.54 Tf 60.48 -.48 TD (for puroses other ) Tj /F28 11.71 Tf 90.48 -.96 TD (that acquirig location ) Tj /F30 11.88 Tf 110.64 -1.44 TD (information about the) Tj /F30 11.85 Tf -359.04 -18.48 TD (consumer) Tj /F30 11.96 Tf 46.08 -.96 TD (, without the prior consent of the consumer given directly to the debt collector) Tj /F30 11.74 Tf 373.20 -4.32 TD (, or the express) Tj /F30 12.53 Tf -420.00 -18.00 TD (pennission of a cour ) Tj /F29 8.40 Tf 104.40 -1.44 TD (of competent jursdiction) Tj /F28 10.73 Tf 121.20 -1.68 TD (, and when not reasonably necessar to effectuate a) Tj /F30 11.87 Tf -225.60 -20.16 TD (post-judgment judicial remedy, in violation of Section 805\(b\) of the FDCP A) Tj /F28 10.51 Tf 366.96 -4.80 TD (, 15 U.) Tj /F29 8.62 Tf 42.00 -.24 TD (c. 91692c\(b\).) Tj /F30 10.18 Tf -372.00 -18.72 TD (15.) Tj /F30 11.82 Tf 34.56 -.48 TD (On numerous occasions, in cOlUection with the) Tj /F30 11.87 Tf 230.16 -2.88 TD (collection of debts, defendants have) Tj /F30 12.15 Tf -301.68 -18.72 TD (communcated with a consumer ) Tj /F29 7.96 Tf 154.56 -2.64 TD (afer the ) Tj /F30 12.32 Tf 42.96 -.24 TD (consumer has notifed ) Tj /F28 11.69 Tf 108.48 -1.20 TD (defendats in ) Tj /F30 15.76 Tf 66.96 -.96 TD (wrtig ) Tj /F30 11.71 Tf 37.20 -.48 TD (that the) Tj /F30 11.94 Tf -410.88 -17.28 TD (consumer refuse to pay a debt or that the consumer wishes the debt collector to cease ) Tj /F30 15.13 Tf 408.96 -5.52 TD (fuher) Tj /F30 12.18 Tf -409.20 -17.28 TD (communcation with the consumer) Tj /F30 12.39 Tf 165.36 -2.40 TD (, in violation of Section ) Tj /F30 11.81 Tf 119.76 -1.68 TD (805\(c\) of the FDCPA) Tj /F28 10.49 Tf 102.48 -1.20 TD (, 15 U.S.) Tj /F29 7.90 Tf 42.24 -.24 TD (C. 9) Tj /F28 10.31 Tf -429.12 -17.52 TD (I 692c\(c\).) 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ATTORNEY) Tj /F42 9.15 Tf 244.08 -1.20 TD (!4 007) Tj /F43 11.33 Tf -486.24 -121.92 TD (. 4) Tj /F44 12.04 Tf 143.28 68.40 TD (using any false representaion or deceptive means to collect or attempt to collect) Tj /F44 11.97 Tf 0.00 -23.28 TD (any debt or to ) Tj /F43 8.87 Tf 69.12 -.72 TD (obtai inonnation concerning a consumer) Tj /F44 11.88 Tf 202.80 -2.16 TD (, in violation of Section) Tj /F43 5.00 Tf -272.16 -20.16 TD (807\(10\) ofthe FDCPA, 15 ) Tj /F44 5.00 Tf 152.16 -1.68 TD (C. ) Tj /F44 11.51 Tf 23.76 -.24 TD (1692e\(10\).) Tj /F44 10.37 Tf -247.20 -20.64 TD (18.) Tj /F44 11.91 Tf 35.04 -.24 TD (On numerous occasions) Tj /F44 11.92 Tf 114.72 -1.44 TD (, in connection with the collection of a debt) Tj /F44 11.83 Tf 207.36 -1.68 TD (, when the consumer) Tj /F44 11.94 Tf -394.56 -19.20 TD (has notified ) Tj /F44 13.03 Tf 59.04 -.24 TD (defendats in wrting withn the ) Tj /F44 28.25 Tf 156.00 -4.32 TD (th ) Tj /F42 10.79 Tf 29.04 2.16 TD (\(30\) day period described in Section 809\(a\) of the) Tj /F44 10.99 Tf -244.08 -20.64 TD (FDCP A) Tj /F43 5.00 Tf 38.88 -.48 TD (, 15 ) Tj /F44 5.00 Tf 42.00 0.00 TD (C. ) Tj /F42 10.60 Tf 14.64 -.48 TD (~ 1692g\(a\), that the debt) Tj /F44 11.57 Tf 116.64 -.96 TD (, or any ) Tj /F44 13.26 Tf 37.92 -.24 TD (porton ) Tj /F44 11.97 Tf 37.92 -.48 TD (thereof, is disputed) Tj /F44 11.85 Tf 91.68 -.72 TD (, defendants have) Tj /F44 11.94 Tf -379.68 -19.44 TD (continued to attempt to collect the debt before verification of the debt was provided to the consumer) Tj /F44 11.46 Tf 478.32 -5.04 TD (, in) Tj /F44 11.77 Tf -479.04 -18.96 TD (violation of Section 809\(b\) of the FDCP A) Tj /F42 10.59 Tf 201.84 -1.68 TD (, 15 D.) Tj /F44 5.00 Tf 42.00 -.24 TD (C. ) Tj /F44 11.40 Tf 23.52 -.48 TD (1692g\(b\).) Tj /F43 12.08 Tf -225.36 -21.12 TD (CIVL PENALTIES ) Tj /F44 11.72 Tf 108.72 -.96 TD (AND ) Tj /F43 12.42 Tf 28.32 -.24 TD (INJUCTION FOR VIOLATIONS ) Tj /F44 12.68 Tf 186.24 -1.44 TD (OF THE FDCPA) Tj /F44 10.18 Tf -328.56 -20.40 TD (19.) Tj /F44 11.77 Tf 34.80 -.24 TD (Defendants have violated the FDCP A as described above) Tj /F44 11.94 Tf 273.12 -2.40 TD (, with actual knowledge or) Tj /F42 11.16 Tf -345.36 -19.92 TD (knowledge fairly implied on the basis of objective circumstaces) Tj /F42 10.65 Tf 310.08 -2.64 TD (, as set forth in Section 5 \(m\)\(1 \)\(A\) ) Tj /F44 11.86 Tf -309.84 -20.16 TD (the FTC Act) Tj /F43 5.00 Tf 59.52 -.72 TD (, 15 ) Tj /F44 5.00 Tf 42.72 0.00 TD (C. ) Tj /F44 12.19 Tf 22.32 -.24 TD (45\(m\)\(I\)\(A\).) Tj /F44 11.33 Tf -89.04 -22.56 TD (20.) Tj /F44 12.17 Tf 35.76 -.24 TD (Each ) Tj /F44 16.15 Tf 27.36 0.00 TD (intace with ) Tj /F44 11.82 Tf 75.36 -.72 TD (five years preceding the ) Tj /F44 13.23 Tf 116.16 -1.44 TD (fiing of ths complait, in ) Tj /F43 9.04 Tf 127.92 -.72 TD (which each) Tj /F44 11.73 Tf -418.32 -19.68 TD (defendant has failed to comply with the FDCP ) Tj /F44 11.90 Tf 220.80 -1.92 TD (A in one or more of the ways described above) Tj /F44 11.90 Tf -221.04 -21.12 TD (constitutes a separate violation for which plaintiff seeks ) Tj /F42 12.18 Tf 268.32 -2.40 TD (monetar civil ) Tj /F44 11.86 Tf 71.76 -.24 TD (penalties.) Tj /F44 11.14 Tf -304.56 -20.16 TD (21.) Tj /F44 11.86 Tf 36.24 -.24 TD (Section 5\(m\)\(1\)\(A\) of the FTC Act) Tj /F43 5.00 Tf 167.28 -1.92 TD (, 15 ) Tj /F44 5.00 Tf 42.00 -.24 TD (C. ) Tj /F44 12.17 Tf 22.56 0.00 TD (45\(m\)\(I\)\(A\), authorizes the ) Tj /F42 11.93 Tf 135.84 -.96 TD (Cour to) Tj /F44 10.68 Tf -439.68 -19.44 TD (award, ) Tj /F42 12.22 Tf 31.44 -.24 TD (monetar civil ) Tj /F44 12.20 Tf 72.00 -.48 TD (penalties of$11) Tj /F44 11.81 Tf 79.68 -.72 TD (000 for each violation of the FDCPA.) Tj /F42 11.04 Tf -112.08 -22.32 TD (Under Section 13\(b\) of the FTC Act) Tj /F43 5.00 Tf 173.04 -1.44 TD (, 15 ) Tj /F44 5.00 Tf 41.76 -.24 TD (C. ) Tj /F44 11.88 Tf 14.64 -2.16 TD (9 53\(b\), this ) Tj /F44 12.41 Tf 60.72 2.16 TD (Cour is authorized ) Tj /F44 11.81 Tf 94.80 -.72 TD (to issue) Tj /F44 11.33 Tf -420.48 3.12 TD (22.) Tj /F44 11.84 Tf -35.76 -23.04 TD (a permanent injunction to ensure that 4efendants will not continue to violate the PDCP ) Tj /F43 12.12 Tf 184.80 -24.48 TD (PRAYER FOR RELIEF) Tj /F42 12.24 Tf -149.04 -22.08 TD (WhrefORE, plaintiff respectflly ) Tj /F44 11.78 Tf 178.80 -1.44 TD (requests that ) Tj /F42 11.77 Tf 62.16 -.72 TD (ths Cour, acting ) Tj /F43 5.00 Tf 85.68 -.48 TD (pursuant to 15 ) Tj /F43 8.16 Tf 93.84 -.24 TD (C. 99) Tj /F43 8.30 Tf -456.72 -19.92 TD (45\(m\)\(I\)\(A\), 53\(b\), 1692/) Tj /F44 11.77 Tf 124.80 -1.20 TD (, and its own equitable powers:) Tj /F44 11.87 Tf -53.04 -22.32 TD (Enter judgment against ) Tj /F42 11.23 Tf 113.04 -.72 TD (defendats and in favor of ) Tj /F43 7.60 Tf 126.72 -1.20 TD (plaitiff for ) Tj /F43 5.00 Tf 59.28 0.00 TD (each violation alleged ) Tj /F43 8.46 Tf -299.52 -21.12 TD (ths complaint;) Tj /F42 11.88 Tf 0.00 -22.80 TD (Award plaintiff monetar civil ) Tj /F44 11.93 Tf 147.84 -1.20 TD (penalties for each violation of the FDCPA ) Tj /F44 14.16 Tf 204.48 -1.44 TD (occurng) Tj /F44 11.86 Tf -352.56 -20.16 TD (within the five years ) Tj /F42 11.87 Tf 100.08 -1.44 TD (precedig the fiing of this ) Tj /F44 11.73 Tf 128.64 -.72 TD (complaint;) Tj /F44 11.86 Tf -228.72 -21.36 TD (Order defendants to include the following disclosure in each ) Tj /F43 9.32 Tf 289.44 -2.16 TD (wrtten communication) Tj /F44 11.87 Tf -289.92 -20.88 TD (with conswners in connection with the collection of a debt:) Tj /F44 9.49 Tf -71.52 -50.40 TD (Complaint - Page 6 of 8) Tj ET Q endstream endobj 41 0 obj<>/Width 2551/Height 3295/BitsPerComponent 1/Decode[0 1]/ImageMask true/Type/XObject/Name/Im41/Subtype/Image/eCpyDPIX 300/eCpyDPIY 300/eCpyColor[0 0 0]>>stream &<y_-|Ok,?C!,G8v ԰d2QˢdUD6Kb"">j_K5/H ;2JK^C"3%򡒬 aTH4 5 dDEAHS"#!\4hi#c] ' l0$k2r6xWVqD.ܜU 2sivH002N pnNd~6۾M'tNpn8o\4pz!F\EoWWVkuO]7Ama`VNN  ? 3YE_uW9{kүm뼔z&/8aK,AJ׿wW:=z[Z#.._V_Nw K^߱W޵yZT)%:ZkZV~u-c %IwizZ.RKkw~UI%U_ip_ W {"^owii%_aW_ֺI֖8%)>K$IXn>|;kr7}mZIi=6V_{OK?_UKK_txhizAdi_{~R|tB T[m M a h' >(~B _-tMDŽOuA7߃qL $]|R/}ioGIM.vy!u{Mz޼n'?%!ZIVժFoޭ}Km%^AK߿b_^~b.[[j oofx0AAbi ANZ~m#p&`M680bMCޝ_ue' `M.]0BHa%IDDDDEۃt_ P mUa5<ɟng7\DDDDDM:/.#ddqnL I~! 4 /f>9n *nu14GT[&:gU@pW?Z\ ?ǝPA *_cjuC'a_&μes&^'ֲlO3%'+2ˎAanCNưkS*_26CW(?dKkX*"P|-9-{L_-…3av&xN߃қ .PMxgl9 rqy7WâWu `Di;1+Ù7O'?<kτ'f̧dke>tBv n `wb ̞>^SPL؁rS %ZKOU oAdimu?.lO&|39z(c^}}r;UD5f#@//i~_kKæׄdKПO' 4\g̉>y;w,FzD/1aBpO t >8k!.A=o_|}IW\P!zƿ a..Խ?__dca_ ڿ_}wWLVi_ }~ _ @GSȓZ__(E6H_/}_LPSVB{{Kc?R=_-Z^h.?EDDeD{ tjPMھ"#U׮Ұ䏯5L a(a.BAXk WiC kkrKEk""#XaSWP J 8 {___'O F#MaI5 -a_[_]w$vDDCHЈjiwNxXkM#_  6l3 jUTӷK)/u_Ib""30A–:dw&AqTMi1mN5u_j""<\pa;&6xB s~q.-c|\a0dzi)Mno;KЈa{ pm6!mZZ/^!wgM5)(&;: @|DDE` iA QDDDg:Aj_gɹB  H5P5awb}Ωz/̓_ߪ?+?AN~Z8R`zS%"+Z>d?(HO!#PzӢ]EwA,A 3 lR]h3d_ 4'GM0l-`35^߅ 55P~ܿq`a"83#,5ZYذRtJ `DD0/PDۗ/K^A2EA<& x3H p4#ue!fvP7XN 'mk858D &$ G#P'Ť8tO2s%oMBn`D4<*tLt2  }UhwA3&0t] u֯_?s10s=,g ڦ|f !dh'> ֡A5OJ_jmU `(PP3Xc$d(WUi$od PPB ?ZnYcZàv"Ni ~__&r_ < 6 a ]{$ªi$$`CaotJRu^//&Cw]}~մi֗K.?}Gz:nNﯨ_o◔ӼzEqpkg„? ڠ/'l}W T?uh 靋 "6 /K&wEWj 4HQG’xgvgex:$ZrΓN l6EDxg)G%]B 26^yB E 3CbvIO9s0Lj;_^ !a %FjW; } 5;&(^]M5O& f̐f UyW;-ǢViy0I)K?X_xd ~_4_4G "QD߄BL C#qN|c,f@WzN"W:Z O_* &30@U ߒs'w"p'8:%DDTЃA'( Sg#_s"]ow"柴'AoA]hi}~?7_:VKiiw!" ~Я-kom'A!'4OL gh^gAI)̕eK#߿umKCK[{=7Aڍ0>@hA# ئ3ϳOy_k6$pu?nJzÆ۶ lMsc )q]T=||7]?r?iHD2EC ¶ /(<*_kzj#66l29 -pXD $M}Kuo#A~:ּ]֝[KI iv׏M4[ih;II7u7 |u}&Ntph1A A+2)8k;ylѿu{kA~LgO_ޞ][iam2 v5}H"oorԳDJ)efr﵃L(TM Q5?& ( Zm {vl5z̄ 'h04Cr0E&64@ح~__NDDDDA'adkM Wi;X DDDDG^K@&aڧƸFNs3`4Zdp —a㈈A! / [aA?DDDDDD_(C}Z%C_:O?d?5Rb_pu 2,X Bd릪 G%qI*gbB?bvi5>~ r6t}2#+gZ+=SaNrb_dENHxB0flt3R33q|AP`-WL"AR)wJ+iY>,}0T,qH!M$ 9 gsBfRhhga%Drn … sPPBFS3}IaÿT$~;{ s{H9Si3!Fl L'%Z'TO@˟%=|~?}hhcB6( 8ͳ qk'Q2ȼLgK_oӃ;avK޿}/.L9 y+tZ!ju(T~.M0.ʌ2}{륥84 Nehl!lPDAz=ISJA_އ[OÆB IjӇذ_A Tkjo/']4N0>դ_~\^4MѡaSC4i:WI KZV}_| ҅¥§ @PUf FJnaP߾Wk+XMS ` *a?'K{_ORG?O5 ' T¦l20KFl fI/z?__ׯ/mH: <'q & l@D$Œ wﶭu۽K_ugt}xh+8F'O% b>+K_?=]tue__^]'Id6}ݜ"(V_t eYL3o_~~S_HÿJSi=;h'@cuOkݥaiZ iiu߭_B-k;ǯ 4KAӿ XVƷL45aq 7!KXc~a~pd|\$N`Pa/6Eح`6bC\W!1_!5_uk_~6#_`Ak'Nӂ!} nkX=kݵ1_}7]k" Г dp0L h ñ~bm?k}]/cO~>"#<6g-xdn}!a 9Uao0ڏNV~|DDD`aj ~Au$=;<i_ 7>DxG^ P@0 w}w}A=+)r"5C v!#Jm(([{]ִI={#v0`IX;nRT{!W_Aꝅ!" 5׽Z]o({]DDDDD'UՅbՊoo׮AouNNZA0VikZ0 %EPDccaCa(? a?kXk&vh" 648i1Y{H/DRp]N(dF`VkLc m-BDDDDDea ` a4 $I޻ %-7]g!GpF hQ@K %7f `dM a'ku,0Gva82< a0xՄF * k<*ƄD0=RE6upka/u%= 0iq5]]v?5 Y6_! 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