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C 1NDqK 'A&EP± 6!CAHK$mjbi&MpS"A֚aM4}ix]2#l&A>aHݩ{PM0L+MM+,4Ȱ wmdxh0FP7 h0Aac 0DA'"Pj3kaq[4!`DDDDG""""#}fL/Zeh)KT0ca4!4[„8{3w 5QƂ|hkӤ'rtgUA xgg4?82@ CO BPaLl@ow.pq mi][dݓ >0wҿ_{][~0~~K `u""c[J'_KKگ:T_G__ցfu?]}__IU׿[njcaka.x8qr a& imh<&**  {[%jô[MKV"#'!Bf)X44GOMڲuQ*U\(  endstream endobj 19 0 obj << /Length 3813 >> stream q q 591.36 0.00 0.00 768.00 0.00 0.00 cm 0.00 0.00 0.00 rg /Im20 Do Q Q q BT 3 Tr /F21 11.14 Tf 110.64 736.32 TD (Case 4:06-cv-) Tj /F21 9.89 Tf 70.32 0.00 TD (021 02) Tj /F21 11.03 Tf 47.52 0.24 TD (Document 1-) Tj /F21 11.08 Tf 86.40 0.00 TD (Filed 06/22/2006) Tj /F21 11.00 Tf 99.84 0.00 TD (Page 3 of 12) Tj /F21 10.46 Tf -337.92 -48.24 TD (this Complaint) Tj /F21 10.76 Tf 66.96 0.00 TD (, Defendat Lynda ) Tj /F22 11.21 Tf 84.96 0.00 TD (J. Badger has resided or ) Tj /F22 14.15 Tf 110.16 0.00 TD (trsacted ) Tj /F22 11.18 Tf 47.52 -.24 TD (business in the Southern) Tj /F22 11.16 Tf -310.08 -26.64 TD (District of Texas.) Tj /F23 6.50 Tf 26.40 -26.88 TD (, 7.) Tj /F22 11.16 Tf 41.04 0.00 TD (Defendant Jon P. Badger is or has been the General Manager) Tj /F22 11.14 Tf 272.64 0.00 TD (, the Chief Executive) Tj /F22 12.51 Tf -340.08 -27.36 TD (Offcer) Tj /F22 11.30 Tf 33.12 0.24 TD (, and an Executive CommtteeIDember of Defendant Whitewing. Individually and in his) Tj /F22 11.18 Tf -33.36 -27.36 TD (capacity as General Manager) Tj /F22 11.01 Tf 130.32 -.24 TD (, Chief Executive Officer, and member of the Executi ve ) Tj /F22 12.04 Tf 252.00 0.24 TD (Commttee) Tj /F22 11.17 Tf -382.32 -27.60 TD (of Whitewing, Defendant Jon P. Badger has formulated, directed, and controlled the acts and) Tj /F22 11.26 Tf -.24 -26.88 TD (practices of Whitewing, including the acts and practices alleged in this Complaint. ) Tj /F22 11.18 Tf 373.92 0.00 TD (At all times,) Tj /F22 11.26 Tf -374.16 -27.60 TD (relevant to this Complaint, ) Tj /F22 12.10 Tf 122.88 0.24 TD (Defendat Jon ) Tj /F22 11.16 Tf 67.20 0.00 TD (P. Badger has resided or transacted business in the) Tj /F22 11.19 Tf -189.84 -27.36 TD (Southern District of Texas.) Tj /F22 11.53 Tf 66.72 -26.64 TD (Defendants Whtewing, Chrstopher B. Badger) Tj /F21 9.86 Tf 210.48 0.24 TD (, Lynda J. Badger) Tj /F22 11.02 Tf 77.76 0.00 TD (, and Jon P.) Tj /F22 11.19 Tf -355.44 -26.88 TD (Badger are ") Tj /F22 11.18 Tf 56.40 0.00 TD (debt collectors) Tj /F22 11.14 Tf 66.00 0.00 TD (" as defined in Section 803\(6\) of the FDCPA) Tj /F21 9.81 Tf 200.64 0.00 TD (, 15 U.S.) Tj /F23 7.85 Tf 39.12 0.00 TD (C. 91692a\(5\).) Tj /F22 13.28 Tf -177.84 -27.12 TD (COMMRCE) Tj /F22 11.18 Tf -117.12 -27.12 TD (At all times material to this Complaint, Defendants have maintained a substantial) Tj /F22 11.07 Tf -67.44 -27.36 TD (course:of trade in the collection of debts, in or affecting commerce, as .') Tj /F22 11.12 Tf 319.92 0.24 TD (commerce) Tj /F22 11.23 Tf 46.56 0.00 TD (" is defined in) Tj /F22 11.19 Tf -366.48 -27.12 TD (Section 4 of the FTC Act) Tj /F21 9.87 Tf 113.52 0.24 TD (, 15 U.S.) Tj /F22 5.00 Tf 39.36 0.00 TD (C. ) Tj /F22 10.37 Tf 20.88 0.24 TD (44.) Tj /F21 11.05 Tf -57.12 -27.36 TD (DEFENDANTS' BUSINESS PRACTICES) Tj /F22 9.79 Tf -81.84 -27.36 TD (10.) Tj /F22 11.14 Tf 32.16 0.24 TD (Defendants purchase very old debts and then attempt to collect on these debts.) Tj /F22 11.21 Tf -67.20 -27.60 TD (Most) Tj /F22 11.22 Tf 23.76 0.00 TD (, if not all, of these debts are beyond the applicable statutes of limitations. ) Tj /F22 11.23 Tf 333.60 0.24 TD (Most are also) Tj /F21 10.14 Tf -357.36 -27.60 TD (beyond the time in which they may be reported on credit bureau reports. Many of the debts have) Tj /F22 11.18 Tf -.24 -27.84 TD (been discharged in ) Tj /F21 11.16 Tf 86.64 0.24 TD (bankrptcy. -) Tj /F22 11.14 Tf 58.32 0.24 TD (Defendants generally pay less than a third of a cent per dollar of) Tj /F22 11.09 Tf -144.72 -27.60 TD (the face value of the accounts to purchase these debts.) 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Tj /F29 11.15 Tf 32.64 0.00 TD (When Defendants purchase the debts, they receive no hard copies of the) Tj /F29 11.37 Tf -68.16 -26.40 TD (documents relating to the accounts. The electronic fies which accompany the debts ) Tj /F29 10.75 Tf 379.68 0.48 TD (often) Tj /F29 11.40 Tf -379.92 -27.36 TD (contain incomplete data. For example) Tj /F29 11.17 Tf 172.56 0.24 TD (, such important information as the debtors) Tj /F29 10.59 Tf 193.20 0.24 TD (' Social) Tj /F30 8.69 Tf -365.52 -27.60 TD (Securty numbers) Tj /F28 10.46 Tf 79.20 0.24 TD (, payment reords) Tj /F29 11.03 Tf 79.44 0.00 TD (, and last payment dates ) Tj /F30 7.88 Tf 108.48 0.24 TD (ar frequently missing. ) Tj /F29 10.99 Tf 108.72 0.00 TD (Because the) Tj /F29 11.17 Tf -376.08 -28.08 TD (debts are so old and have often been sold several times) Tj /F29 11.27 Tf 246.00 0.48 TD (, data in the fies is frequently inaccurate.) Tj /F29 11.19 Tf -246.48 -28.08 TD (Lacking sufficient documentation to validate its debts) Tj /F29 11.14 Tf 241.20 0.72 TD (, Defendants tell consumers that their debts) Tj /F29 11.18 Tf -240.96 -28.08 TD (are validated by an Affidavit and Assignment \(") Tj /F29 11.89 Tf 215.04 0.48 TD (Affdavit") Tj /F28 11.51 Tf 45.60 0.00 TD (\). This Affidavit) Tj /F29 11.14 Tf 76.56 0.00 TD (, however) Tj /F29 10.96 Tf 44.16 0.00 TD (, is executed) Tj /F29 11.18 Tf -381.84 -27.60 TD (by a Whitewing collection supervisor and is based only upon a review of Defendants) Tj /F29 10.93 Tf 380.64 0.48 TD (' incomplete) Tj /F30 7.29 Tf -380.40 -27.60 TD (and often inaccurate electronic fies.) Tj /F29 9.79 Tf 34.80 -26.64 TD (12.) Tj /F28 10.03 Tf 32.88 0.00 TD (As required by the FDCP A) Tj /F28 10.48 Tf 121.68 0.24 TD (, Defendats send validation ) Tj /F29 11.18 Tf 129.36 0.24 TD (notices to consumers that) Tj /F29 11.19 Tf -319.20 -27.12 TD (inform the consumers of their right to dispute the debt; however) Tj /F29 11.08 Tf 287.04 0.72 TD (, Defendants frequently take) Tj /F29 11.17 Tf -286.80 -27.36 TD (actions that contradict or ") Tj /F29 11.08 Tf 118.56 0.24 TD (overshadow) Tj /F29 11.29 Tf 54.00 0.00 TD (" the validation notice. Defendants make representations) Tj /F28 9.99 Tf -173.04 -27.60 TD (that confuse consumers about their rights under the FDCP A, ) Tj /F29 11.26 Tf 273.12 0.48 TD (including who has the burden of) Tj /F29 11.24 Tf -273.12 -27.84 TD (establishing the validity of the debt. Defendants also pressure consumers to make payments on) Tj /F29 11.13 Tf 0.00 -26.88 TD (their debts before they have received the required validation notice.) Tj /F29 9.60 Tf 34.80 -27.36 TD (13.) Tj /F29 11.14 Tf 32.64 0.00 TD (Because there is no legitimate method to enforce payment of its aged debts) Tj /F29 11.44 Tf -68.16 -27.36 TD (Whitewing engages in a varety ) Tj /F29 11.28 Tf 144.48 0.48 TD (of misrepresentations. Whitewing collectors often misrepresent) Tj /F29 11.18 Tf -144.24 -27.60 TD (the status of the debts they ) Tj /F28 12.21 Tf 121.68 0.48 TD (ar trng to collect) Tj /F29 11.14 Tf 87.36 0.24 TD (, leading consumers to believe that legal) Tj /F29 11.10 Tf -209.28 -28.32 TD (proceedings have already been instituted to collect the debt or that lawsuits, to collect debts are) Tj /F29 11.21 Tf 0.00 -26.88 TD (not time-) Tj /F30 8.68 Tf 41.52 0.00 TD (bared. Whitewing ) Tj /F29 11.13 Tf 88.56 0.48 TD (collectors-threaten to take actions that the company cannot or does) Tj /F29 11.26 Tf -130.32 -27.84 TD (not intend to take) Tj /F29 11.30 Tf 79.20 0.24 TD (, including telling consumers that the company wil ) Tj /F29 11.15 Tf 231.84 0.48 TD (make multiple inquiries to) Tj /F29 11.14 Tf -311.04 -28.56 TD (credit bureaus, thereby damaging consumers) Tj /F29 11.10 Tf 200.16 0.72 TD (' credit ratings, and implying to consumers that) Tj /F29 8.95 Tf -27.36 -38.64 TD (Complaint - Page 4 of 12) Tj ET Q endstream endobj xref 1 2 0000116221 00000 n 0000116280 00000 n 24 7 0000116371 00000 n 0000116535 00000 n 0000159667 00000 n 0000117063 00000 n 0000116682 00000 n 0000116809 00000 n 0000116938 00000 n trailer << /Size 31 /Prev 115895 /Root 1 0 R >> startxref 164102 %%EOF % Page Description << /EndOffset 0000206794>> 1 0 obj << /Type /Catalog /Pages 2 0 R >> endobj 2 0 obj << /Type /Pages /Kids [3 0 R 10 0 R 17 0 R 24 0 R 31 0 R ] /Count 5 >> endobj 31 0 obj << /Type /Page /Parent 2 0 R /Resources 32 0 R /Contents 33 0 R /Rotate 0 /eCpyResolution 300 /MediaBox [0 0 591.36 768.00 ] >> endobj 32 0 obj << /XObject << /Im34 34 0 R>> /Font << /F35 35 0 R /F36 36 0 R /F37 37 0 R>> /ProcSet [/PDF /Text /ImageB /ImageC ] >> endobj 35 0 obj << /Type /Font /Subtype /Type1 /Name /F35 /BaseFont /Helvetica /Encoding /WinAnsiEncoding >> endobj 36 0 obj << /Type /Font /Subtype /Type1 /Name /F36 /BaseFont /Times-Roman /Encoding /WinAnsiEncoding >> endobj 37 0 obj << /Type /Font /Subtype /Type1 /Name /F37 /BaseFont /Courier /Encoding /WinAnsiEncoding >> endobj 34 0 obj << /Type /XObject /Subtype /Image /Name /Im34 /Width 2464 /Height 3200 /eCpyDPIX 300 /eCpyDPIY 300 /ImageMask true /Filter /CCITTFaxDecode /BitsPerComponent 1 /DecodeParms << /K -1 /Columns 2464 /Rows 3200>> /Decode [0 1 ] /Length 36803 >> stream ,fG89V))4΂ɰdDDDFdDc/dPV dKءU9wP`50PqeIdK/DDNDAK@PSP PC<AA!eD J5 MBiU_ttL&=U>ikiU_OM=;USڢ|?h4Kڢ|/rYj>D%O',ɘ^MMMTA7z>i7H&M I奥A7OONz==={~&m]o­PӭF>ooxDcVn#r@"΄D-#B)ȗ]~t"0ƿJr %EBD ` u !ָ`}a;0D(ו |u_A`iw]/4p -wxL'"Dn"7oDn-Q DQ^pG#w{ ^h @?JAth6fWi:Mi7~{6M:Mi>zIio6~tӧޞ4OzOO"ç7>/_ntTM)] Uǵڋ_NuN +^çK_K}$J9*B4%Kj (KA 0z_'TpVKK-wKK]wo~J臏]DYb{XO~$+IJB[uZOC9_kZ (=vCn-mn!CUI%K^[!ֶwOt$I.t7+I*JҴ}-]o1XI}I-'um[KҰҵu_𶮺ki/kkivkk ZK 0[a$AH}SiCIKT 0¶a" xHa&L5`l$VA!)LWLSW]1LTL?+baSLS0$DZLS4^MS^ kii5ka0a ;KA 4[A4[ ADćbE#*"5eBc hNQ$oX3 TDDDDDDDDDDDq]iXZHP`> y_]r.?Ⱥ_X?k;q6@|sž|\['e-F@HgfyE&a4g`PL& 9L ̖]UPAN˙Iʸ`_߅ ;]zz;n4vƧrO|C0ӕ88hjkzj&IyNZK[U~j޿UWumCECA-ˑ`@Itu$ lu2`Ԝ٠i98S2r%FVU_XMPz&ia4@A~MBN4B'.82pLF"0ϑ#("f23#S5Dt Lvt$qs!3ӫ M8*P O, cP~xL!jL i@4aC& SAB`'!|4Bqhh 0D*)!`'2z? -{V ﬐\0IDV4\0{DcF0Z%oTN$; 4p9h7x!Ƙ\B *`<&B ]4,+A #AdHNt -`AN#ҤA;(~ 哤"pEd᪢CHza68noT\X$NDCw-0co4~7ZZW֯MvG h0AoޕjAB]vB'ˢ>a C@AL9 w]uu~?~ [t, a;%m&"@um}$<;Ap5O_uI?OV>?OV׿ЯM+ նߦ<[_ֽm_xk>cנ[L_#nO[I߱_w޿!b^?Ɵ}L?D$^I/䜠ZuaXmq_~_-kwVװO}rAwGK\9B[] -Oa[DC2 4.2"=D2h**?o?K7wcci #/k] דamoM٥T:NRt~?oG6솕 Oux~w k^ iZwﾭWeof޶O?ׯik敫u߫~]U{Za?nOǘVSul%i6m+Ml.گ_ 6Y +M}6զQLЄDGl0jHU&Z_a-+nW߷V~i{^TM8?L&MV*b vQIU.{ k!/q_zlBUbz saw0aSW{}Hi M600JPii0N.b5a&mCWUm(Ҿb>? 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Collectors make other ) Tj /F36 11.17 Tf 279.36 -.24 TD (misrepresentations to consumers,) Tj /F36 11.14 Tf -279.60 -26.64 TD (including that Whitewing ) Tj /F37 7.52 Tf 116.64 0.00 TD (wil report paid-) Tj /F36 10.80 Tf 72.24 -.24 TD (in-) Tj /F36 11.16 Tf 12.72 0.24 TD (full accounts to credit bureaus and that Whitewing) Tj /F36 11.25 Tf -201.60 -26.64 TD (collectors are auditors or government offcials.) Tj /F36 9.60 Tf 34.32 -26.88 TD (14.) Tj /F36 11.08 Tf 31.92 -.24 TD (In some instance.s, collectors call consumers at times or places that the collector) Tj /F36 11.11 Tf -66.24 -27.36 TD (knows is inconvenient for the consumer) Tj /F36 11.08 Tf 177.84 0.00 TD (, including at their place of employment.) Tj /F36 9.79 Tf -144.00 -27.12 TD (15.) Tj /F36 11.14 Tf 31.92 0.00 TD (In an effort to convince consumers to settle their debts) Tj /F36 11.09 Tf 243.12 -.24 TD (, Defendants have relied on) Tj /F36 11.48 Tf -309.12 -26.88 TD (varous settlement letters. One that has ) Tj /F36 11.16 Tf 177.60 -.24 TD (been used in situations where Defendants believed the) Tj /F36 11.10 Tf -178.08 -27.60 TD (consumer might settle stated that) Tj /F36 11.08 Tf 149.28 0.00 TD (" . . . your account ) Tj /F36 11.78 Tf 84.24 0.00 TD (wil be settled ) Tj /F36 11.19 Tf 65.76 0.00 TD (in full and we do not report to) Tj /F36 10.96 Tf -299.28 -26.88 TD (any credit reporting agencies.) Tj /F37 8.20 Tf 130.56 0.00 TD (" Another ) Tj /F36 11.19 Tf 49.20 0.00 TD (letter threatened that the Defendants intended to proceed) Tj /F35 10.17 Tf -180.00 -26.88 TD (" .. . . with an appropriate collection program in ) Tj /F35 10.85 Tf 212.16 -.24 TD (accordace with ) Tj /F36 11.09 Tf 75.36 0.00 TD (state and federal law) Tj /F36 11.22 Tf 91.92 -.24 TD (" and that) Tj /F36 11.81 Tf -379.68 -26.40 TD (" .. . you ) Tj /F36 11.24 Tf 43.20 0.00 TD (ultimately wil be responsible for the full amount due on this account.) Tj /F36 11.90 Tf 57.12 -26.88 TD (FAIR DEBT COLLECTION PRACTICES ACT) Tj /F36 9.60 Tf -66.72 -26.64 TD (16.) Tj /F36 11.09 Tf 32.16 0.00 TD (In 1977, Congress passed the FDCPA, 15 U.S.) Tj /F37 8.55 Tf 208.32 0.00 TD (c. 91692) Tj /F37 6.46 Tf 47.04 0.00 TD (et seq.) Tj /F36 11.07 Tf 34.08 0.00 TD (which became) Tj /F36 11.02 Tf -355.92 -27.36 TD (effective on March 20,) Tj /F36 11.25 Tf 104.64 0.24 TD (1978, and has been in force since that date. ) Tj /F36 11.18 Tf 196.56 0.00 TD (Section 814 of the FDCPA) Tj /F36 10.15 Tf -300.24 -27.12 TD (15 D.) Tj /F36 5.00 Tf 32.40 0.00 TD (C. ) Tj /F37 7.22 Tf 22.32 0.00 TD (16921, authorizes the ) Tj /F35 10.37 Tf 95.28 0.00 TD (Commssion to use all of its functions and ) Tj /F36 11.15 Tf 191.28 -.24 TD (powers under the) Tj /F35 10.21 Tf -342.72 -26.88 TD (FTC Act to enforce compliance with the FDCP A by any debt collector, irrespective of whether) Tj /F36 11.04 Tf 0.00 -27.36 TD (that debt collector is engaged in commerce or meets any other jurisdictional :tests set by the FTC) Tj /F36 11.39 Tf 0.00 -27.36 TD (Act. The authority of the Commssion in this regard ) Tj /F36 11.18 Tf 235.92 0.00 TD (includes the power to enforce the provisions) Tj /F35 9.91 Tf -235.92 -27.60 TD (of the FDCP A in the same manner as if the ) Tj /F36 11.02 Tf 194.40 0.24 TD (violations of the FDCP A were violations of a 鶹ý) Tj /F36 11.54 Tf -195.12 -27.12 TD (Trade Commssion ) Tj /F37 7.57 Tf 87.84 0.00 TD (trde regulation ) Tj /F36 10.55 Tf 72.72 0.00 TD (rule-.) 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Tj /F43 11.23 Tf 32.64 0.00 TD (The term ") Tj /F43 10.79 Tf 48.48 0.24 TD (consumer,) Tj /F43 11.17 Tf 45.60 0.24 TD (" as used in this Complaint, means any natural person) Tj /F43 11.12 Tf -161.76 -26.88 TD (obligated or allegedly obligated to pay any debt) Tj /F43 11.21 Tf 212.64 0.24 TD (, as ") Tj /F43 11.01 Tf 22.56 0.00 TD (debt) Tj /F43 11.16 Tf 19.20 0.00 TD (" is defined in Section 803\(5\) of the) Tj /F43 11.24 Tf -254.64 -27.12 TD (FDCPA) Tj /F42 9.87 Tf 36.96 0.00 TD (, 15 U.S.) Tj /F44 7.54 Tf 39.36 0.00 TD (C. 9 1692a\(5\).) Tj /F43 11.90 Tf -34.08 -27.36 TD (VIOLATIONS OF THE FAIR DEBT COLLECTION PRACTICES ACT) Tj /F43 11.74 Tf 152.64 -26.64 TD (COUNT I) Tj /F43 9.79 Tf -160.32 -27.36 TD (18.) Tj /F43 11.19 Tf 32.64 0.00 TD (On numerous occasions, in connection with the collection of debts) Tj /F42 9.61 Tf 298.56 0.00 TD (, Defendants) Tj /F43 10.72 Tf -366.24 -27.60 TD (have used .false) Tj /F42 9.83 Tf 69.12 0.00 TD (, deceptive) Tj /F43 11.08 Tf 48.48 0.24 TD (, or misleading representations or means) Tj /F42 10.21 Tf 180.00 0.00 TD (, in violation- of Section 807 of) Tj /F43 11.14 Tf -297.60 -27.60 TD (the FDCPA) Tj /F43 11.71 Tf 53.04 0.00 TD (, 15 US.) Tj /F43 5.00 Tf 39.36 0.00 TD (C. ) Tj /F43 11.09 Tf 22.32 0.00 TD (1692e, including, but not limited to, the following:) Tj /F42 9.90 Tf -13.92 -27.12 TD (falsely. representing the character, amount, or legal status of debts, in) Tj /F43 10.99 Tf 0.00 -26.88 TD (violation of Section 807\(2\)\(A\) of the FDCP ) Tj /F43 11.76 Tf 195.12 -.24 TD (A, 15 US.) 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Tj /F43 11.08 Tf 32.88 0.00 TD (On numerous occasions) Tj /F43 11.18 Tf 106.56 0.48 TD (, in connection with the collection of debts) Tj /F42 9.61 Tf 191.52 -.48 TD (, Defendants) Tj /F43 11.16 Tf -365.76 -27.84 TD (have engaged in activities that contradicted) Tj /F42 9.71 Tf 193.68 0.72 TD (, obscured) Tj /F43 11.11 Tf 46.08 -.24 TD (, or overshadowed the notification of) Tj /F42 10.13 Tf -240.00 -27.84 TD (consumer rights contained in the validation notice required by Section 809\(a\) of the FDCP A) Tj /F43 10.26 Tf 0.96 -26.88 TD (15 U,) Tj /F42 10.62 Tf 32.88 0.00 TD (c. 9 1692g\(a\), in violation of ) Tj /F43 11.14 Tf 133.44 0.48 TD (Section 809\(a\) of the FDCPA) Tj /F43 11.42 Tf 133.44 -.24 TD (, 15 US') Tj /F44 7.51 Tf 39.36 0.00 TD (c. g 1692g\(a\).) 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Tj /F50 11.16 Tf 33.12 0.00 TD (On numerous occasions) Tj /F50 11.15 Tf 107.52 -.24 TD (, in connection with the collection of debts, Defendants) Tj /F50 11.18 Tf -173.76 -26.88 TD (have communicated with a consumer, without the consumer) Tj /F50 11.10 Tf 272.64 -.24 TD (s prior consent given directly to the) Tj /F51 5.00 Tf -272.40 -26.40 TD (debt collector or the express ) Tj /F50 12.38 Tf 128.16 0.00 TD (perm) Tj /F50 11.11 Tf 26.40 0.00 TD (ssion of a court of competent jurisdiction) Tj /F50 11.12 Tf 183.36 0.00 TD (, at times or places) Tj /F50 11.15 Tf -338.16 -27.12 TD (that Defendants knew or should have known to be inconvenient to the consumer) Tj /F50 11.18 Tf 358.08 0.24 TD (, including, but) Tj /F50 11.17 Tf -358.32 -27.36 TD (not limited to, communicating with the consumer at the consumer) Tj /F50 11.09 Tf 297.84 0.00 TD (s place of employment when) Tj /F49 8.98 Tf -298.08 -27.12 TD (the: debt ) Tj /F50 11.19 Tf 37.44 0.00 TD (collector knew or should have known that it is inconvenient for the consumer to receive) Tj /F50 11.31 Tf -37.20 -27.36 TD (such communkations) Tj /F50 11.30 Tf 96.48 0.24 TD (, in violation of Section 805\(a\)\(1\) of the FDCPA) Tj /F49 9.86 Tf 220.56 0.24 TD (, 15 D.) Tj /F50 5.00 Tf 38.88 -.24 TD (C. ) Tj /F50 10.92 Tf 22.56 0.24 TD (1692c\(a\)\(1\).) Tj /F50 11.86 Tf -285.60 -28.08 TD (VIOLATIONS OF SECTION 5 OF THE FTC ACT) Tj /F50 10.18 Tf -60.48 -26.64 TD (21.) Tj /F49 10.29 Tf 33.12 0.00 TD (Section 5\(a\) of the FTC Act, 15 U.) Tj /F50 5.00 Tf 164.88 0.00 TD (C. ) Tj /F50 11.12 Tf 18.96 0.00 TD (45\(a\), prohibits ") Tj /F50 11.16 Tf 76.08 0.24 TD (unfair or deceptive acts) Tj /F50 11.04 Tf -326.16 -27.36 TD (or practices in or affecting commerce.) Tj /F50 11.62 Tf 189.84 -26.88 TD (COUNT IV) Tj /F50 10.18 Tf -157.20 -26.64 TD (22.) Tj /F50 11.16 Tf 32.88 0.24 TD (In numerous instances, in connection with the collection of debts) Tj /F49 9.82 Tf 291.36 0.00 TD (, Defendants) Tj /F50 11.09 Tf -357.12 -27.12 TD (have made the following representations) Tj /F50 11.08 Tf 180.48 0.24 TD (, expressly or by implication) Tj /F49 9.97 Tf 127.44 0.00 TD (, regarding the character or) Tj /F50 10.87 Tf -307.68 -27.36 TD (legal status of a debt:) Tj /F50 10.59 Tf 65.52 -27.12 TD (\(a\)) Tj /F50 11.11 Tf 33.84 0.00 TD (legal proceedings to collect the debt have already been instituted;) Tj /F50 10.50 Tf -33.84 -29.04 TD (\(b\)) Tj /F50 11.20 Tf 33.60 1.92 TD (there is no time limitation on ) Tj /F51 6.99 Tf 132.48 -.24 TD (fiing a lawsuit to collect the ) Tj /F50 11.24 Tf 130.08 0.24 TD (debt; and) Tj /F50 10.59 Tf -296.16 -27.60 TD (\(c\)) Tj /F50 11.18 Tf 33.36 0.00 TD (Defendants possess documentation establishing that the debt is a valid) Tj /F50 11.05 Tf 0.24 -27.36 TD (debt of the consumer.) Tj /F50 10.37 Tf -67.44 -27.84 TD (23.) Tj /F50 11.11 Tf 33.36 0.24 TD (In truth and in fact,) Tj /F50 11.11 Tf 89.04 0.24 TD (in numerous of these instances:) Tj /F50 10.38 Tf -88.80 -27.60 TD (\(a\)) Tj /F50 11.12 Tf 33.36 0.00 TD (legal proceedings to collect the debt had not been instituted;) Tj /F50 10.71 Tf -33.60 -27.60 TD (\(b\)) Tj /F50 11.20 Tf 33.36 0.24 TD (there is a time limitation on ) Tj /F51 6.99 Tf 126.24 0.00 TD (filng a lawsuit to collect the ) Tj /F50 11.18 Tf 130.08 0.00 TD (debt; and) Tj /F50 9.02 Tf -184.32 -37.44 TD (Complaint - Page 7 of 12) Tj ET Q endstream endobj xref 1 2 0000243450 00000 n 0000243509 00000 n 45 7 0000243621 00000 n 0000243785 00000 n 0000277055 00000 n 0000244313 00000 n 0000243932 00000 n 0000244059 00000 n 0000244188 00000 n trailer << /Size 52 /Prev 243123 /Root 1 0 R >> startxref 281104 %%EOF % Page Description << /EndOffset 0000311201>> 1 0 obj << /Type /Catalog /Pages 2 0 R >> endobj 2 0 obj << /Type /Pages /Kids [3 0 R 10 0 R 17 0 R 24 0 R 31 0 R 38 0 R 45 0 R 52 0 R ] /Count 8 >> endobj 52 0 obj << /Type /Page /Parent 2 0 R /Resources 53 0 R /Contents 54 0 R /Rotate 0 /eCpyResolution 300 /MediaBox [0 0 591.36 768.00 ] >> endobj 53 0 obj << /XObject << /Im55 55 0 R>> /Font << /F56 56 0 R /F57 57 0 R /F58 58 0 R>> /ProcSet [/PDF /Text /ImageB /ImageC ] >> endobj 56 0 obj << /Type /Font /Subtype /Type1 /Name /F56 /BaseFont /Helvetica /Encoding /WinAnsiEncoding >> endobj 57 0 obj << /Type /Font /Subtype /Type1 /Name /F57 /BaseFont /Times-Roman /Encoding /WinAnsiEncoding >> endobj 58 0 obj << /Type /Font /Subtype /Type1 /Name /F58 /BaseFont /Courier /Encoding /WinAnsiEncoding >> endobj 55 0 obj << /Type /XObject /Subtype /Image /Name /Im55 /Width 2464 /Height 3200 /eCpyDPIX 300 /eCpyDPIY 300 /ImageMask true /Filter /CCITTFaxDecode /BitsPerComponent 1 /DecodeParms << /K -1 /Columns 2464 /Rows 3200>> /Decode [0 1 ] /Length 25006 >> stream -AEȠ!ڬ@ȗ3B"r"\j%`<ʓ$ȗ2^'" "3s"+"qNPP PC<AA!e BiPpW&&& SvvWON;MU:$v4O'4Kܴ=VZ|?j{D%D!]1DmRm&mڤ qIA6nMMMҠi_zzzڭU [c[}:OZ=={9 SXKHB"K:__@9euD ` u !ָ`}a;0D(ו |u_A` g+iw]/4p -wxL' "+FK#v|.FpEu jq7v h}/Qw@?OX nZ_ @@6:i&}4tI&I}=$OJImIJuӥ;=?!~ֺzp§:?sK/[&I%Iߥǵڋ_NuNçK_K}$9*B4%Kj (KAJP0`o< ~怟IR_,k?\RK_]]_o~J臏t ga?DYXJB[uZOm*Po-!$_#OKU$/zl_k[KtJJKO~Һ+J=oJWt}_[[4omrj|-K]jaV0L5Io sPa'L0kH{  I {X0[ 0MvC Sbb)دbbWئ+b+baIb+iM5׿5[Xki k ӴKAkAJA ,4A, !1V (ċ$F"UFD!V""""jʄ$ Н2H#-lDb""""""""""#*JdA1ִYA`?EɢPkc嘴\d&v(J3-EzfD2!2heY[NAC  fl Bׄ Tޫ,x0էw߭ߦtw 8ۯ\kkE\F;IdO_J~믪(4ΫLgw|#@ Bл'τ(G EP0DEgTFɈF$ d1y8fHϙq"rd adth.\ AٸJa"ЊBFd|j 4OL,0LaA a h0 g` ͧh4h a0XA2vf}Akh0zj 'aڢPкMBaiBMSMU4д@0;XPCDua8a>K%O+lm\Q!'qEpd^6 Q(!6 & M`' r?OD-ݲc(PM7T2<"Cj;!mB::H6A"zȏAtoypTȮս[pIA[oӭ^z}]/l0[ _AwvzA:'eapI+a.mwnOtUu}~֗u𯴟O|_^] k}=\Kݭ}_|_?UKZX lblukbbpں9 W_40'$QuX2'_aаmWWޘx/~ 뾉 -ov{l?ۯp[/_}z_S]޿__ok?k'M[Û9?mKgu]S{}/m*Ұi^?}ҽֿiUJ_׽J -;t]߰ -}_ -WO iح28;~5Gu}6k}$C |\vd# /C#<WL`&tIuiHMXJj-b>wî!i .=8a/ҠviSAM6+bv8L&wO'o. 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"N} i xm &x?i'VNHID?$"}E ?vK):i8zvEN~_-%kmzw3Mo^xZMխni ? zMհ-z][mIwa7~?Z}im^T|~o__W+}'߿-C[~ևCگ_oƅ{]]h~t?+ ؅W?_Y|8O?L/,k0ǔTNoLy@O&O&~,_D'T[a!K_ i_k/ZtOڶڠVݫTUؤ?u쐼Mwt Ee _a2\0B (L M ;,9zM;">=8d[]7Nr#J"[dA!ȹFkdGGinvO𞭒l:ФAF :Kְh}_ /ia WaƩIU߻BUKq_OӴ5n_W#k?B߿ڷC[t^#x_G:{?%Xc ߊ*+?S.߇j4 O&y898]8,g&ZeE[ƲU]aɌ M>H.w8.áB?K %_pEJ6"wjB/80~0}' _ -%-/K }w^7U;cz#$u_^B쐺!~ׅAJ.Oӿyav˯^?^oko,OH~[[K[{_׻}/Z{Im].{iW_i}{uW_uuiNpSm'm/%_ +j^u!.=5b0MUP3C[WWqZ[jǭ콶 .JGq b]1IAD>;kj֒iWűI{Va]}zi;P%]a1 a'wLV4qb; 4ںMN:Mj: $ n!ƚkGȎ AM tL^{vºAvH0¤0AӦEL $5 w8,(_0M6T 'h .e 2p U^pA at0eA &a60 h00- "3n00LpLK"""""""""""#9dDDFIT&RDDECZ/]+U`L\y ?_Na X`%$VrǸpP[>uIdZGJ 'wDZ nu%KJm;-M󴘝EX iʜ(0MWH:aH7 b}%߯OKt]S]VVZ^uS%z%Fhe ΂"+"2iBda A쐂/9 AdJ(*gE H # HMRAo\J !CG4e/0h4!ai &P@3@3 jyA /B&0Ah4B L;PAZ59  po z&mi,!h5SAPM/aT4ڵ  Q j}k_+_?_[74Z~P!B](uo~_;($}uګm;?}Vkoyתֶi^[ٮnro{^u~^mm+owm.JuU{[_zl/v]ٴ`M> stream q q 591.36 0.00 0.00 768.00 0.00 0.00 cm 0.00 0.00 0.00 rg /Im55 Do Q Q q BT 3 Tr /F56 11.14 Tf 110.64 736.32 TD (Case 4:06-cv-) Tj /F56 9.89 Tf 70.32 0.00 TD (021 02) Tj /F56 11.03 Tf 47.52 0.24 TD (Document 1-) Tj /F56 11.08 Tf 86.40 0.00 TD (Filed 06/22/2006) Tj /F56 11.00 Tf 99.84 0.00 TD (Page 8 of 12) Tj /F57 10.16 Tf -271.68 -50.16 TD (\(c\)) Tj /F57 11.19 Tf 32.64 0.24 TD (Defendants do not possess documentation establishing that the debt is a) Tj /F57 11.15 Tf 0.48 -27.12 TD (valid debt of the consumer.) Tj /F57 10.75 Tf -67.44 -26.64 TD (24.) Tj /F57 10.96 Tf 33.60 0.00 TD (Therefore) Tj /F57 11.18 Tf 44.16 0.24 TD (, the representations set forth in ) Tj /F57 11.89 Tf 143.76 -.24 TD (Paragrph 22 are ) Tj /F57 11.07 Tf 78.24 0.00 TD (false or misleading) Tj /F57 11.16 Tf -333.84 -27.12 TD (and constitute deceptive acts oLpra) Tj /F57 10.56 Tf 162.48 0.24 TD (tic) Tj /F57 11.14 Tf 16.56 -.24 TD (s in violation of Section 5\(a\) of the FTC Act) Tj /F57 11.71 Tf 198.48 0.24 TD (, 15 US.) Tj /F57 10.98 Tf -372.48 -27.36 TD (45\(a\).) Tj /F58 14.00 Tf 188.64 -27.12 TD (COUN V) Tj /F57 10.75 Tf -160.32 -27.36 TD (25.) Tj /F57 11.06 Tf 33.84 0.00 TD (In numerous instances) Tj /F57 11.15 Tf 99.84 0.00 TD (, in connection with the collection of debts) Tj /F56 9.74 Tf 191.04 0.24 TD (, Defendants) Tj /F57 11.19 Tf -358.80 -27.84 TD (have made the following representations) Tj /F57 11.04 Tf 182.40 0.24 TD (, expressly or by implication) Tj /F56 9.91 Tf 126.96 0.00 TD (, regarding actions that the) Tj /F56 10.18 Tf -309.60 -27.36 TD (Defendants intend to take if the debt is not paid:) Tj /F57 10.16 Tf 68.16 -26.64 TD (\(a\)) Tj /F57 11.44 Tf 32.64 0.00 TD (the debt wil be reported to a credit ) Tj /F57 11.13 Tf 160.08 0.00 TD (bureau if the debt is not paid; and) Tj /F57 10.29 Tf -192.96 -28.80 TD (\(b\)) Tj /F57 11.36 Tf 32.88 1.92 TD (legal proceedings wil be initiated against ) Tj /F57 11.16 Tf 188.64 0.00 TD (the consumer if the debt is not) Tj /F57 11.08 Tf -188.88 -26.88 TD (paid.) Tj /F57 10.75 Tf -67.20 -26.88 TD (26.) Tj /F57 11.13 Tf 33.84 0.00 TD (In truth and in fact) Tj /F57 11.07 Tf 83.52 0.24 TD (, in numerous of these instances:) Tj /F57 10.38 Tf -83.28 -27.12 TD (\(a\)) Tj /F57 11.19 Tf 32.64 0.00 TD (Defendants did not report the debt that was not paid to a credit ) Tj /F58 8.76 Tf 282.48 0.00 TD (burau; and) Tj /F57 10.50 Tf -315.12 -27.12 TD (\(b\)) Tj /F57 11.16 Tf 32.64 0.24 TD (Defendants did not initiate legal proceedings against the consumer if the) Tj /F56 9.99 Tf 0.00 -27.12 TD (debt was not paid.) Tj /F57 10.37 Tf -66.96 -27.84 TD (27.) Tj /F57 11.23 Tf 33.36 0.24 TD (Therefore, the representations set ) Tj /F58 7.58 Tf 152.40 0.00 TD (fort in Paragraph 25 are ) Tj /F57 11.10 Tf 113.76 0.24 TD (false or misleading) Tj /F57 11.20 Tf -333.60 -28.08 TD (and constitute deceptive acts or practices in violation of Section ) Tj /F57 11.13 Tf 288.72 0.24 TD (Sea\) of the FTC Act, 15 US.) Tj /F57 10.66 Tf -288.24 -29.52 TD (945\(a\).) 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Nd,C# wM5P[#SM0`gچC_BO_8,{xD#zv}4a#ǡw߈ièaĊ"O  [_뮺iuMN˚唰B@CxS\3a$B_r-d:D NDPA(Bз'D""'02@BˊN4ff\RhC#330 \CbS3>e,u4DFi|(B mH6Da M0P Cx'aB!VEQD'l&Pp'w}C'6h0.'I &=]OA䱆2tAͦ6:zMp-馟~K <8OuO  &@MHmH&ߒIȗdLd[齠dEiW}:-ݑcMOinz|>Noa=VhvK{Kzvz.{d}?߲?V]_nk8]mzk1|WjBޗwy|ƿ_Kt[]_ _m=ҴgiV %w{SWw|7د_?/8: "$kuKO6O~ƿ^OY?1WI_|tVO^Մ oo^u`·^_ZmXa&Da?ݯ 4 aM|,0Kw%uOmX☽}Q +UWݮG{uw]qLSi!$v=~ ir)> +j.!qTֶ7֭4ixk [Ki^ޚm&i{U ڧ HMoiM4M0 a=HG⢂tu a";A8al8 6 {OM=4= 0J a6% &0kpaW`maa2XaȈ IB RuS""" DeqޜE~^}RK}"ܴ^Ҵ* G^&a_  00&*""?_޿-7P *w6TFE4Ms<*}cxio{L4]ނ|p~$z_<~|NЂl2> stream q q 591.36 0.00 0.00 768.00 0.00 0.00 cm 0.00 0.00 0.00 rg /Im62 Do Q Q q BT 3 Tr /F63 11.14 Tf 110.64 736.32 TD (Case 4:06-cv-) Tj /F63 9.89 Tf 70.32 0.00 TD (021 02) Tj /F63 11.03 Tf 47.52 0.24 TD (Document 1-) Tj /F63 11.08 Tf 86.40 0.00 TD (Filed 06/22/2006) Tj /F63 11.00 Tf 99.84 0.00 TD (Page 9 of 12) Tj /F64 11.87 Tf -262.80 -49.20 TD (CIVIL PENALTIES FOR VIOLATIONS OF THE FDCPA) Tj /F64 10.18 Tf -41.28 -26.40 TD (28.) Tj /F64 11.19 Tf 32.88 0.00 TD (Defendants have violated the FDCPA as described above) Tj /F64 11.16 Tf 257.28 -.24 TD (, with actual knowledge) Tj /F64 11.15 Tf -324.00 -27.60 TD (or knowledge fairly-implied on the basis of objective circumstances, as set forth in Section) Tj /F64 11.32 Tf 0.00 -26.88 TD (5\(m\)\(I\)\(A\) of the FTC Act) Tj /F64 10.56 Tf 121.20 0.00 TD (, 15_) Tj /F64 12.56 Tf 18.96 0.00 TD (US.) Tj /F64 11.39 Tf 19.92 -.24 TD (C. g 45\(m\)\(I\)\(A\). .) Tj /F64 9.99 Tf -126.72 -26.88 TD (29.) Tj /F63 10.95 Tf 32.88 0.00 TD (Each instace within five ) Tj /F64 11.36 Tf 116.88 0.00 TD (years preceding the fiing of this Complaint) Tj /F64 11.06 Tf 195.36 0.00 TD (, in which) Tj /F64 11.02 Tf -378.96 -27.12 TD (each Defendant has failed to comply with the FDCP ) Tj /F64 11.20 Tf 232.80 -.24 TD (A in one or more of the ways described) Tj /F64 10.96 Tf -232.80 -27.12 TD (above) Tj /F64 11.18 Tf 26.64 0.00 TD (, constitutes a separate violation for which Plaintiff seeks ) Tj /F63 11.45 Tf 258.24 0.00 TD (monetar civil ) Tj /F64 11.10 Tf 67.44 0.00 TD (penalties.) Tj /F64 10.18 Tf -318.96 -27.12 TD (30.) Tj /F63 10.56 Tf 33.36 0.00 TD (Section 5\(m\)\(1\)\(A\) of the FTC Act, 15 US.) Tj /F64 11.40 Tf 196.80 0.00 TD (C. 9 45\(m\)\(l\)\(A\), authorizes the) Tj /F64 11.18 Tf -264.00 -26.88 TD (Court to award ) Tj /F63 12.14 Tf 69.84 0.24 TD (moneta civil ) Tj /F64 11.11 Tf 67.44 0.00 TD (penalties of not more than $11,) Tj /F64 11.24 Tf 138.72 -.24 TD (000 for each violation of the) Tj /F64 10.31 Tf -276.72 -26.88 TD (FDCP A.) Tj /F64 11.84 Tf 37.68 -27.12 TD (INJUNCTION FOR VIOLATIONS OF THE FDCPA AND THE FTC ACT) Tj /F64 10.18 Tf -3.84 -27.12 TD (31.) Tj /F64 11.37 Tf 33.12 0.00 TD (Under Section l3\(b\) of the FTC Act) Tj /F64 11.64 Tf 162.72 0.00 TD (, 15 US.) Tj /F63 10.45 Tf 39.12 0.00 TD (C. 9 53\(b\), ths Court is authorized to) Tj /F64 11.14 Tf -268.80 -27.36 TD (issue a permanent injunction to ensure that Defendants will not continue to violate the FDCP ) Tj /F64 11.03 Tf 0.00 -26.64 TD (and the FTC Act.) Tj /F64 11.38 Tf 159.12 -26.64 TD (PRA YER FOR ) Tj /F64 12.25 Tf 75.60 -.24 TD (RELIEF) Tj /F64 12.44 Tf -201.84 -26.88 TD (WhrefORE) Tj /F63 10.54 Tf 69.12 -.24 TD (, Plaintiff respectfully requests that this Court, acting pursuant to 15 ) Tj /F65 7.72 Tf -82.80 -26.88 TD (C. gg 45\(m\)\(1\)\(A\), 53\(b\), 16921) Tj /F64 11.05 Tf 144.24 -.24 TD (, and its own equitable powers:) Tj /F64 11.17 Tf -97.44 -27.12 TD (Enter judgment against Defendants and in favor of Plaintiff for each violation') Tj /F64 11.12 Tf 0.24 -27.84 TD (alleged in this Complaint;) Tj /F64 10.78 Tf -.24 -27.36 TD (A ward Plaintiff ) Tj /F63 11.49 Tf 72.72 0.00 TD (monetar civil ) Tj /F64 11.02 Tf 67.68 -.24 TD (penalties for each violation of the FDCP A) Tj /F64 11.41 Tf -140.40 -26.88 TD (occurrng within the five years ) Tj /F64 11.16 Tf 139.68 0.00 TD (preceding the filing of this Complaint;) Tj /F64 8.97 Tf -34.80 -66.00 TD (Complaint - Page 9 of 12) Tj ET Q endstream endobj xref 1 2 0000311250 00000 n 0000311309 00000 n 59 7 0000311435 00000 n 0000311599 00000 n 0000344301 00000 n 0000312127 00000 n 0000311746 00000 n 0000311873 00000 n 0000312002 00000 n trailer << /Size 66 /Prev 310923 /Root 1 0 R >> startxref 347972 %%EOF % Page Description << /EndOffset 0000395074>> 1 0 obj << /Type /Catalog /Pages 2 0 R >> endobj 2 0 obj << /Type /Pages /Kids [3 0 R 10 0 R 17 0 R 24 0 R 31 0 R 38 0 R 45 0 R 52 0 R 59 0 R 66 0 R ] /Count 10 >> endobj 66 0 obj << /Type /Page /Parent 2 0 R /Resources 67 0 R /Contents 68 0 R /Rotate 0 /eCpyResolution 300 /MediaBox [0 0 591.36 768.00 ] >> endobj 67 0 obj << /XObject << /Im69 69 0 R>> /Font << /F70 70 0 R /F71 71 0 R /F72 72 0 R>> /ProcSet [/PDF /Text /ImageB /ImageC ] >> endobj 70 0 obj << /Type /Font /Subtype /Type1 /Name /F70 /BaseFont /Helvetica /Encoding /WinAnsiEncoding >> endobj 71 0 obj << /Type /Font /Subtype /Type1 /Name /F71 /BaseFont /Times-Roman /Encoding /WinAnsiEncoding >> endobj 72 0 obj << /Type /Font /Subtype /Type1 /Name /F72 /BaseFont /Courier /Encoding /WinAnsiEncoding >> endobj 69 0 obj << /Type /XObject /Subtype /Image /Name /Im69 /Width 2464 /Height 3200 /eCpyDPIX 300 /eCpyDPIY 300 /ImageMask true /Filter /CCITTFaxDecode /BitsPerComponent 1 /DecodeParms << /K -1 /Columns 2464 /Rows 3200>> /Decode [0 1 ] /Length 40574 >> stream ,Հ\܎ p0rP*vlgd˅qYV dKءU9wP`50PqeIdK/DDNDAK@,SY„ a rP 5 5 9 RJ &M5 Uiia0p&>ӴӰzwiڪtHQ>hO%Q>hhzD~{TK'CTO%ji6h&&MޫM tm&m&uITtӭ=>ޫ=}=?OOO^OI[W[/jkjo El"1{xDc#=jt|"1zr@"΄D-#B)ȗ]~t"0ƿJr ʿ$˯! 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Badger is or has been the General Manager)Tj 11.14 0 0 11.14 416.4 634.56 Tm (, the Chief Executive )Tj 12.51 0 0 12.51 76.32 607.2 Tm (Offcer)Tj 11.3 0 0 11.3 109.44 607.44 Tm (, and an Executive CommtteeIDember of Defendant Whitewing. Individually \ and in his )Tj 11.18 0 0 11.18 76.08 580.08 Tm (capacity as General Manager)Tj 11.01 0 0 11.01 206.4 579.84 Tm (, Chief Executive Officer, and member of the Executi ve )Tj 12.04 0 0 12.04 458.4 580.08 Tm (Commttee )Tj 11.17 0 0 11.17 76.08 552.48 Tm (of Whitewing, Defendant Jon P. Badger has formulated, directed, and cont\ rolled the acts and )Tj 11.26 0 0 11.26 75.84 525.6 Tm (practices of Whitewing, including the acts and practices alleged in this\ Complaint. )Tj 11.18 0 0 11.18 449.76 525.6 Tm (At all times, )Tj 11.26 0 0 11.26 75.6 498 Tm (relevant to this Complaint, )Tj 12.1 0 0 12.1 198.48 498.24 Tm (Defendat Jon )Tj 11.16 0 0 11.16 265.68 498.24 Tm (P. Badger has resided or transacted business in the )Tj 11.19 0 0 11.19 75.84 470.88 Tm (Southern District of Texas. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 142.56 444.24 Tm (Defendants Whtewing, Chrstopher B. Badger)Tj /T1_0 1 Tf 9.86 0 0 9.86 353.04 444.48 Tm (, Lynda J. Badger)Tj /T1_1 1 Tf 11.02 0 0 11.02 430.8 444.48 Tm (, and Jon P. )Tj 11.19 0 0 11.19 75.36 417.6 Tm (Badger are ")Tj 11.18 0 0 11.18 131.76 417.6 Tm (debt collectors)Tj 11.14 0 0 11.14 197.76 417.6 Tm (" as defined in Section 803\(6\) of the FDCPA)Tj /T1_0 1 Tf 9.81 0 0 9.81 398.4 417.6 Tm (, 15 U.S.)Tj /T1_2 1 Tf 7.85 0 0 7.85 437.52 417.6 Tm (C. 91692a\(5\). )Tj /T1_1 1 Tf 13.28 0 0 13.28 259.68 390.48 Tm (COMMRCE )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.18 0 0 11.18 142.56 363.36 Tm (At all times material to this Complaint, Defendants have maintained a su\ bstantial )Tj 11.07 0 0 11.07 75.12 336 Tm (course:of trade in the collection of debts, in or affecting commerce, as\ .' )Tj 11.12 0 0 11.12 395.04 336.24 Tm (commerce)Tj 11.23 0 0 11.23 441.6 336.24 Tm (" is defined in )Tj 11.19 0 0 11.19 75.12 309.12 Tm (Section 4 of the FTC Act)Tj /T1_0 1 Tf 9.87 0 0 9.87 188.64 309.36 Tm (, 15 U.S.)Tj /T1_1 1 Tf 5 0 0 5 228 309.36 Tm (C. )Tj 10.37 0 0 10.37 248.88 309.6 Tm (44. )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.05 0 0 11.05 191.76 282.24 Tm (DEFENDANTS' BUSINESS PRACTICES )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 9.79 0 0 9.79 109.92 254.88 Tm (10. )Tj 11.14 0 0 11.14 142.08 255.12 Tm (Defendants purchase very old debts and then attempt to collect on these \ debts. )Tj 11.21 0 0 11.21 74.88 227.52 Tm (Most)Tj 11.22 0 0 11.22 98.64 227.52 Tm (, if not all, of these debts are beyond the applicable statutes of limit\ ations. )Tj 11.23 0 0 11.23 432.24 227.76 Tm (Most are also )Tj /T1_0 1 Tf 10.14 0 0 10.14 74.88 200.16 Tm (beyond the time in which they may be reported on credit bureau reports. \ Many of the debts have )Tj /T1_1 1 Tf 11.18 0 0 11.18 74.64 172.32 Tm (been discharged in )Tj /T1_0 1 Tf 11.16 0 0 11.16 161.28 172.56 Tm (bankrptcy. -)Tj /T1_1 1 Tf 11.14 0 0 11.14 219.6 172.8 Tm (Defendants generally pay less than a third of a cent per dollar of )Tj 11.09 0 0 11.09 74.88 145.2 Tm (the face value of the accounts to purchase these debts. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 8.95 0 0 8.95 246.96 79.44 Tm (Complaint - Page 3 of 12 )Tj ET EMC endstream endobj 222 0 obj<<>> endobj 223 0 obj<> endobj 224 0 obj<> endobj 225 0 obj<> endobj 226 0 obj<> endobj 229 0 obj<> endobj 230 0 obj[1/space] endobj 231 0 obj[600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600] endobj 236 0 obj<> endobj 237 0 obj<

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For example)Tj 11.17 0 0 11.17 250.08 634.08 Tm (, such important information as the debtors)Tj 10.59 0 0 10.59 443.28 634.32 Tm (' Social )Tj /T1_2 1 Tf 8.69 0 0 8.69 77.76 606.72 Tm (Securty numbers)Tj /T1_0 1 Tf 10.46 0 0 10.46 156.96 606.96 Tm (, payment reords)Tj /T1_1 1 Tf 11.03 0 0 11.03 236.4 606.96 Tm (, and last payment dates )Tj /T1_2 1 Tf 7.88 0 0 7.88 344.88 607.2 Tm (ar frequently missing. )Tj /T1_1 1 Tf 10.99 0 0 10.99 453.6 607.2 Tm (Because the )Tj 11.17 0 0 11.17 77.52 579.12 Tm (debts are so old and have often been sold several times)Tj 11.27 0 0 11.27 323.52 579.6 Tm (, data in the fies is frequently inaccurate. )Tj 11.19 0 0 11.19 77.04 551.52 Tm (Lacking sufficient documentation to validate its debts)Tj 11.14 0 0 11.14 318.24 552.24 Tm (, Defendants tell consumers that their debts )Tj 11.18 0 0 11.18 77.28 524.16 Tm (are validated by an Affidavit and Assignment \(")Tj 11.89 0 0 11.89 292.32 524.64 Tm (Affdavit")Tj /T1_0 1 Tf 11.51 0 0 11.51 337.92 524.64 Tm (\). This Affidavit)Tj /T1_1 1 Tf 11.14 0 0 11.14 414.48 524.64 Tm (, however)Tj 10.96 0 0 10.96 458.64 524.64 Tm (, is executed )Tj 11.18 0 0 11.18 76.8 497.04 Tm (by a Whitewing collection supervisor and is based only upon a review of \ Defendants)Tj 10.93 0 0 10.93 457.44 497.52 Tm (' incomplete )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.29 0 0 7.29 77.04 469.92 Tm (and often inaccurate electronic fies.\001)Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 9.79 0 0 9.79 111.84 443.28 Tm (12. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 10.03 0 0 10.03 144.72 443.28 Tm (As required by the FDCP A)Tj 10.48 0 0 10.48 266.4 443.52 Tm (, Defendats send validation )Tj /T1_1 1 Tf 11.18 0 0 11.18 395.76 443.76 Tm (notices to consumers that )Tj 11.19 0 0 11.19 76.56 416.64 Tm (inform the consumers of their right to dispute the debt; however)Tj 11.08 0 0 11.08 363.6 417.36 Tm (, Defendants frequently take )Tj 11.17 0 0 11.17 76.8 390 Tm (actions that contradict or ")Tj 11.08 0 0 11.08 195.36 390.24 Tm (overshadow)Tj 11.29 0 0 11.29 249.36 390.24 Tm (" the validation notice. Defendants make representations )Tj /T1_0 1 Tf 9.99 0 0 9.99 76.32 362.64 Tm (that confuse consumers about their rights under the FDCP A, )Tj /T1_1 1 Tf 11.26 0 0 11.26 349.44 363.12 Tm (including who has the burden of )Tj 11.24 0 0 11.24 76.32 335.28 Tm (establishing the validity of the debt. Defendants also pressure consumer\ s to make payments on )Tj 11.13 0 0 11.13 76.32 308.4 Tm (their debts before they have received the required validation notice. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 9.6 0 0 9.6 111.12 281.04 Tm (13. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.14 0 0 11.14 143.76 281.04 Tm (Because there is no legitimate method to enforce payment of its aged deb\ ts )Tj 11.44 0 0 11.44 75.6 253.68 Tm (Whitewing engages in a varety )Tj 11.28 0 0 11.28 220.08 254.16 Tm (of misrepresentations. Whitewing collectors often misrepresent )Tj 11.18 0 0 11.18 75.84 226.56 Tm (the status of the debts they )Tj /T1_0 1 Tf 12.21 0 0 12.21 197.52 227.04 Tm (ar trng to collect)Tj /T1_1 1 Tf 11.14 0 0 11.14 284.88 227.28 Tm (, leading consumers to believe that legal )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.1 0 0 11.1 75.6 198.96 Tm (proceedings have already been instituted to collect the debt or that law\ suits, to collect debts are )Tj 11.21 0 0 11.21 75.6 172.08 Tm (not time-)Tj /T1_2 1 Tf 8.68 0 0 8.68 117.12 172.08 Tm (bared. Whitewing )Tj /T1_1 1 Tf 11.13 0 0 11.13 205.68 172.56 Tm (collectors-threaten to take actions that the company cannot or does )Tj 11.26 0 0 11.26 75.36 144.72 Tm (not intend to take)Tj 11.3 0 0 11.3 154.56 144.96 Tm (, including telling consumers that the company wil )Tj 11.15 0 0 11.15 386.4 145.44 Tm (make multiple inquiries to )Tj 11.14 0 0 11.14 75.36 116.88 Tm (credit bureaus, thereby damaging consumers)Tj 11.1 0 0 11.1 275.52 117.6 Tm (' credit ratings, and implying to consumers that )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 8.95 0 0 8.95 248.16 78.96 Tm (Complaint - Page 4 of 12 )Tj ET EMC endstream endobj 252 0 obj<<>> endobj 253 0 obj<> endobj 254 0 obj<> endobj 255 0 obj<> endobj 256 0 obj<> endobj 258 0 obj<> endobj 266 0 obj<> endobj 269 0 obj<> endobj 270 0 obj<

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Collectors make other )Tj 11.17 0 0 11.17 358.8 687.12 Tm (misrepresentations to consumers, )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.14 0 0 11.14 79.2 660.48 Tm (including that Whitewing )Tj /T1_2 1 Tf 7.52 0 0 7.52 195.84 660.48 Tm (wil report paid-)Tj /T1_1 1 Tf 10.8 0 0 10.8 268.08 660.24 Tm (in-)Tj 11.16 0 0 11.16 280.8 660.48 Tm (full accounts to credit bureaus and that Whitewing )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.25 0 0 11.25 79.2 633.84 Tm (collectors are auditors or government offcials. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 9.6 0 0 9.6 113.52 606.96 Tm (14. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.08 0 0 11.08 145.44 606.72 Tm (In some instance.s, collectors call consumers at times or places that th\ e collector )Tj 11.11 0 0 11.11 79.2 579.36 Tm (knows is inconvenient for the consumer)Tj 11.08 0 0 11.08 257.04 579.36 Tm (, including at their place of employment. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 9.79 0 0 9.79 113.04 552.24 Tm (15. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.14 0 0 11.14 144.96 552.24 Tm (In an effort to convince consumers to settle their debts)Tj 11.09 0 0 11.09 388.08 552 Tm (, Defendants have relied on )Tj 11.48 0 0 11.48 78.96 525.12 Tm (varous settlement letters. 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At all times relevant to )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 9.02 0 0 9.02 247.68 78 Tm (Complaint - Page 2 of 12 )Tj ET EMC endstream endobj 986 0 obj<> endobj 987 0 obj<> endobj 988 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /P <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 10.76 0 0 10.76 110.64 736.32 Tm (Cgse 4:Q6-cv-)Tj 9.89 0 0 9.89 180.96 736.32 Tm (021 02 )Tj 11.03 0 0 11.03 228.48 736.56 Tm (Document 1-)Tj 11.08 0 0 11.08 314.88 736.56 Tm (Filed 06/22/2006 )Tj 11 0 0 11 414.72 736.56 Tm (Page 2 of 12 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 5 0 0 5 400.8 687.36 Tm (C.)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.19 0 0 11.19 142.08 686.16 Tm (This Court has jurisdiction over this matter under 28 U. )Tj /T1_2 1 Tf 7.65 0 0 7.65 420.48 687.36 Tm (g 1331, 1337\(a\), )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.9 0 0 7.9 75.12 659.04 Tm (1345, and 1355, and under 15 U. )Tj /T1_1 1 Tf 11.15 0 0 11.15 231.84 659.76 Tm (C. gg 45\(m\)\(1\)\(A\), 53\(b\), 57b)Tj /T1_0 1 Tf 9.32 0 0 9.32 367.2 660.48 Tm (, and 16921. )Tj /T1_1 1 Tf 11.24 0 0 11.24 142.08 631.92 Tm (Venue is proper in.the United States District Court for the Southern )Tj /T1_0 1 Tf 11.81 0 0 11.81 448.56 633.36 Tm (Distrct of )Tj 10.18 0 0 10.18 73.44 604.56 Tm (Texas under 28 U. )Tj /T1_2 1 Tf 7.86 0 0 7.86 166.8 604.8 Tm (C. gg 1391\(b-c\) and 1395\(a\) and 15 U. )Tj 7.16 0 0 7.16 350.88 605.76 Tm (C. g 53\(b\). )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 256.08 577.92 Tm (DEFENDANTS )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.28 0 0 11.28 141.84 550.08 Tm (Whitewing Financial Group, Inc. \(")Tj 11.08 0 0 11.08 302.4 551.28 Tm (Whitewing )Tj 11.22 0 0 11.22 356.64 551.28 Tm (\) is a Texas corporation with its )Tj /T1_2 1 Tf 7.68 0 0 7.68 73.44 522.72 Tm (offces and place of business )Tj /T1_1 1 Tf 11.33 0 0 11.33 207.12 523.44 Tm (located within the Southern Distrct of Texas at 1701 S. Dairy )Tj 11.36 0 0 11.36 73.44 495.6 Tm (Ashford)Tj 11.17 0 0 11.17 111.12 495.6 Tm (, Houston)Tj /T1_0 1 Tf 10.42 0 0 10.42 155.52 495.84 Tm (, Texas 77077. At all times relevant to this Complaint)Tj /T1_1 1 Tf 11.23 0 0 11.23 399.12 497.04 Tm (, Defendant Whitewing )Tj /T1_0 1 Tf 9.88 0 0 9.88 73.44 468.48 Tm (has transacted business in the Southern )Tj /T1_2 1 Tf 7.69 0 0 7.69 252.48 469.44 Tm (Distrct of Texas. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.37 0 0 11.37 141.6 441.84 Tm (Defendant Chrstopher B. Badger is the President, )Tj /T1_0 1 Tf 10.51 0 0 10.51 369.36 443.04 Tm (an Executive Commttee )Tj /T1_1 1 Tf 11.32 0 0 11.32 73.44 414.96 Tm (member, and a director of Defendant Whitewing. Individually and )Tj 11.26 0 0 11.26 376.8 416.4 Tm (in his capacity as the )Tj 11.42 0 0 11.42 73.2 387.84 Tm (President)Tj /T1_0 1 Tf 10.41 0 0 10.41 116.16 388.08 Tm (, member of the Executive Commttee, and director of Whitewing, Defendant\ )Tj /T1_2 1 Tf 8.19 0 0 8.19 73.2 360.48 Tm (Chrstopher B. Badger has formulated)Tj /T1_1 1 Tf 11.29 0 0 11.29 245.76 361.68 Tm (, directed)Tj 11.21 0 0 11.21 288 361.92 Tm (, and controlled the acts and practices of )Tj 11.29 0 0 11.29 72.96 333.36 Tm (Whitewing, including the acts and practices alleged in this )Tj 11.41 0 0 11.41 339.36 334.8 Tm (Complaint. At all times relevant to )Tj 11.44 0 0 11.44 72.96 305.76 Tm (this Complaint)Tj 11.31 0 0 11.31 141.36 306.24 Tm (, Defendant Chrstopher B. Badger has resided or transacted business in t\ he )Tj 11.3 0 0 11.3 73.44 278.88 Tm (Southern District of Texas. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.35 0 0 10.35 141.6 252.24 Tm (Defendant Lynda J. Badger is the Secretar, the )Tj /T1_2 1 Tf 8.15 0 0 8.15 360.24 253.2 Tm (Treasurr, an Executive )Tj 10.11 0 0 10.11 72.96 224.64 Tm (Commttee member)Tj /T1_1 1 Tf 11.24 0 0 11.24 164.64 225.12 Tm (, and a director of Defendant Whitewing. Individually and in her capacit\ y as )Tj /T1_2 1 Tf 8.02 0 0 8.02 73.2 197.04 Tm (Secretar, Treasurer)Tj /T1_1 1 Tf 11.31 0 0 11.31 165.12 197.52 Tm (, member of the Executive Commttee, and director of Whitewing, )Tj 11.25 0 0 11.25 72.72 169.92 Tm (Defendant Lynda J. Badger has formulated, directed, and controlled the a\ cts and practices of )Tj 11.29 0 0 11.29 72.72 142.32 Tm (Whitewing, including the acts and practices alleged in this )Tj 11.39 0 0 11.39 339.12 143.76 Tm (Complaint. At all times relevant to )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 9.02 0 0 9.02 247.68 78 Tm (Complaint - Page 2 of 12 )Tj ET EMC endstream endobj 989 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /P <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 110.64 736.32 Tm (Case 4:06-cv-)Tj 9.89 0 0 9.89 180.96 736.32 Tm (021 02 )Tj 11.03 0 0 11.03 228.48 736.56 Tm (Document 1-)Tj 11.08 0 0 11.08 314.88 736.56 Tm (Filed 06/22/2006 )Tj 11 0 0 11 414.72 736.56 Tm (Page 3 of 12 )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.46 0 0 10.46 76.8 688.32 Tm (this Complaint)Tj 10.76 0 0 10.76 143.76 688.32 Tm (, Defendat Lynda )Tj /T1_1 1 Tf 11.21 0 0 11.21 228.72 688.32 Tm (J. Badger has resided or )Tj 14.15 0 0 14.15 338.88 688.32 Tm (trsacted )Tj 11.18 0 0 11.18 386.4 688.08 Tm (business in the Southern )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.16 0 0 11.16 76.32 661.44 Tm (District of Texas. )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 6.5 0 0 6.5 102.72 634.56 Tm (, 7. )Tj /T1_1 1 Tf 11.16 0 0 11.16 143.76 634.56 Tm (Defendant Jon P. Badger is or has been the General Manager)Tj 11.14 0 0 11.14 416.4 634.56 Tm (, the Chief Executive )Tj 12.51 0 0 12.51 76.32 607.2 Tm (Offcer)Tj 11.3 0 0 11.3 109.44 607.44 Tm (, and an Executive CommtteeIDember of Defendant Whitewing. Individually \ and in his )Tj 11.18 0 0 11.18 76.08 580.08 Tm (capacity as General Manager)Tj 11.01 0 0 11.01 206.4 579.84 Tm (, Chief Executive Officer, and member of the Executi ve )Tj 12.04 0 0 12.04 458.4 580.08 Tm (Commttee )Tj 11.17 0 0 11.17 76.08 552.48 Tm (of Whitewing, Defendant Jon P. Badger has formulated, directed, and cont\ rolled the acts and )Tj 11.26 0 0 11.26 75.84 525.6 Tm (practices of Whitewing, including the acts and practices alleged in this\ Complaint. )Tj 11.18 0 0 11.18 449.76 525.6 Tm (At all times, )Tj 11.26 0 0 11.26 75.6 498 Tm (relevant to this Complaint, )Tj 12.1 0 0 12.1 198.48 498.24 Tm (Defendat Jon )Tj 11.16 0 0 11.16 265.68 498.24 Tm (P. Badger has resided or transacted business in the )Tj 11.19 0 0 11.19 75.84 470.88 Tm (Southern District of Texas. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 142.56 444.24 Tm (Defendants Whtewing, Chrstopher B. Badger)Tj /T1_0 1 Tf 9.86 0 0 9.86 353.04 444.48 Tm (, Lynda J. Badger)Tj /T1_1 1 Tf 11.02 0 0 11.02 430.8 444.48 Tm (, and Jon P. )Tj 11.19 0 0 11.19 75.36 417.6 Tm (Badger are ")Tj 11.18 0 0 11.18 131.76 417.6 Tm (debt collectors)Tj 11.14 0 0 11.14 197.76 417.6 Tm (" as defined in Section 803\(6\) of the FDCPA)Tj /T1_0 1 Tf 9.81 0 0 9.81 398.4 417.6 Tm (, 15 U.S.)Tj /T1_2 1 Tf 7.85 0 0 7.85 437.52 417.6 Tm (C. 91692a\(5\). )Tj /T1_1 1 Tf 13.28 0 0 13.28 259.68 390.48 Tm (COMMRCE )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.18 0 0 11.18 142.56 363.36 Tm (At all times material to this Complaint, Defendants have maintained a su\ bstantial )Tj 11.07 0 0 11.07 75.12 336 Tm (course:of trade in the collection of debts, in or affecting commerce, as\ .' )Tj 11.12 0 0 11.12 395.04 336.24 Tm (commerce)Tj 11.23 0 0 11.23 441.6 336.24 Tm (" is defined in )Tj 11.19 0 0 11.19 75.12 309.12 Tm (Section 4 of the FTC Act)Tj /T1_0 1 Tf 9.87 0 0 9.87 188.64 309.36 Tm (, 15 U.S.)Tj /T1_1 1 Tf 5 0 0 5 228 309.36 Tm (C. )Tj 10.37 0 0 10.37 248.88 309.6 Tm (44. )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.05 0 0 11.05 191.76 282.24 Tm (DEFENDANTS' BUSINESS PRACTICES )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 9.79 0 0 9.79 109.92 254.88 Tm (10. )Tj 11.14 0 0 11.14 142.08 255.12 Tm (Defendants purchase very old debts and then attempt to collect on these \ debts. )Tj 11.21 0 0 11.21 74.88 227.52 Tm (Most)Tj 11.22 0 0 11.22 98.64 227.52 Tm (, if not all, of these debts are beyond the applicable statutes of limit\ ations. )Tj 11.23 0 0 11.23 432.24 227.76 Tm (Most are also )Tj /T1_0 1 Tf 10.14 0 0 10.14 74.88 200.16 Tm (beyond the time in which they may be reported on credit bureau reports. \ Many of the debts have )Tj /T1_1 1 Tf 11.18 0 0 11.18 74.64 172.32 Tm (been discharged in )Tj /T1_0 1 Tf 11.16 0 0 11.16 161.28 172.56 Tm (bankrptcy. -)Tj /T1_1 1 Tf 11.14 0 0 11.14 219.6 172.8 Tm (Defendants generally pay less than a third of a cent per dollar of )Tj 11.09 0 0 11.09 74.88 145.2 Tm (the face value of the accounts to purchase these debts. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 8.95 0 0 8.95 246.96 79.44 Tm (Complaint - Page 3 of 12 )Tj ET EMC endstream endobj 990 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /P <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 110.64 736.32 Tm (Case 4:06-cv-)Tj 9.89 0 0 9.89 180.96 736.32 Tm (021 02 )Tj 11.03 0 0 11.03 228.48 736.56 Tm (Document 1-)Tj 11.08 0 0 11.08 314.88 736.56 Tm (Filed 06/22/2006 )Tj 11 0 0 11 414.72 736.56 Tm (Page 4 of 12 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 9.79 0 0 9.79 113.28 687.12 Tm (11. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.15 0 0 11.15 145.92 687.12 Tm (When Defendants purchase the debts, they receive no hard copies of the )Tj 11.37 0 0 11.37 77.76 660.72 Tm (documents relating to the accounts. The electronic fies which accompany \ the debts )Tj 10.75 0 0 10.75 457.44 661.2 Tm (often )Tj 11.4 0 0 11.4 77.52 633.84 Tm (contain incomplete data. For example)Tj 11.17 0 0 11.17 250.08 634.08 Tm (, such important information as the debtors)Tj 10.59 0 0 10.59 443.28 634.32 Tm (' Social )Tj /T1_2 1 Tf 8.69 0 0 8.69 77.76 606.72 Tm (Securty numbers)Tj /T1_0 1 Tf 10.46 0 0 10.46 156.96 606.96 Tm (, payment reords)Tj /T1_1 1 Tf 11.03 0 0 11.03 236.4 606.96 Tm (, and last payment dates )Tj /T1_2 1 Tf 7.88 0 0 7.88 344.88 607.2 Tm (ar frequently missing. )Tj /T1_1 1 Tf 10.99 0 0 10.99 453.6 607.2 Tm (Because the )Tj 11.17 0 0 11.17 77.52 579.12 Tm (debts are so old and have often been sold several times)Tj 11.27 0 0 11.27 323.52 579.6 Tm (, data in the fies is frequently inaccurate. )Tj 11.19 0 0 11.19 77.04 551.52 Tm (Lacking sufficient documentation to validate its debts)Tj 11.14 0 0 11.14 318.24 552.24 Tm (, Defendants tell consumers that their debts )Tj 11.18 0 0 11.18 77.28 524.16 Tm (are validated by an Affidavit and Assignment \(")Tj 11.89 0 0 11.89 292.32 524.64 Tm (Affdavit")Tj /T1_0 1 Tf 11.51 0 0 11.51 337.92 524.64 Tm (\). This Affidavit)Tj /T1_1 1 Tf 11.14 0 0 11.14 414.48 524.64 Tm (, however)Tj 10.96 0 0 10.96 458.64 524.64 Tm (, is executed )Tj 11.18 0 0 11.18 76.8 497.04 Tm (by a Whitewing collection supervisor and is based only upon a review of \ Defendants)Tj 10.93 0 0 10.93 457.44 497.52 Tm (' incomplete )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.29 0 0 7.29 77.04 469.92 Tm (and often inaccurate electronic fies.\001)Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 9.79 0 0 9.79 111.84 443.28 Tm (12. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 10.03 0 0 10.03 144.72 443.28 Tm (As required by the FDCP A)Tj 10.48 0 0 10.48 266.4 443.52 Tm (, Defendats send validation )Tj /T1_1 1 Tf 11.18 0 0 11.18 395.76 443.76 Tm (notices to consumers that )Tj 11.19 0 0 11.19 76.56 416.64 Tm (inform the consumers of their right to dispute the debt; however)Tj 11.08 0 0 11.08 363.6 417.36 Tm (, Defendants frequently take )Tj 11.17 0 0 11.17 76.8 390 Tm (actions that contradict or ")Tj 11.08 0 0 11.08 195.36 390.24 Tm (overshadow)Tj 11.29 0 0 11.29 249.36 390.24 Tm (" the validation notice. Defendants make representations )Tj /T1_0 1 Tf 9.99 0 0 9.99 76.32 362.64 Tm (that confuse consumers about their rights under the FDCP A, )Tj /T1_1 1 Tf 11.26 0 0 11.26 349.44 363.12 Tm (including who has the burden of )Tj 11.24 0 0 11.24 76.32 335.28 Tm (establishing the validity of the debt. Defendants also pressure consumer\ s to make payments on )Tj 11.13 0 0 11.13 76.32 308.4 Tm (their debts before they have received the required validation notice. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 9.6 0 0 9.6 111.12 281.04 Tm (13. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.14 0 0 11.14 143.76 281.04 Tm (Because there is no legitimate method to enforce payment of its aged deb\ ts )Tj 11.44 0 0 11.44 75.6 253.68 Tm (Whitewing engages in a varety )Tj 11.28 0 0 11.28 220.08 254.16 Tm (of misrepresentations. Whitewing collectors often misrepresent )Tj 11.18 0 0 11.18 75.84 226.56 Tm (the status of the debts they )Tj /T1_0 1 Tf 12.21 0 0 12.21 197.52 227.04 Tm (ar trng to collect)Tj /T1_1 1 Tf 11.14 0 0 11.14 284.88 227.28 Tm (, leading consumers to believe that legal )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.1 0 0 11.1 75.6 198.96 Tm (proceedings have already been instituted to collect the debt or that law\ suits, to collect debts are )Tj 11.21 0 0 11.21 75.6 172.08 Tm (not time-)Tj /T1_2 1 Tf 8.68 0 0 8.68 117.12 172.08 Tm (bared. Whitewing )Tj /T1_1 1 Tf 11.13 0 0 11.13 205.68 172.56 Tm (collectors-threaten to take actions that the company cannot or does )Tj 11.26 0 0 11.26 75.36 144.72 Tm (not intend to take)Tj 11.3 0 0 11.3 154.56 144.96 Tm (, including telling consumers that the company wil )Tj 11.15 0 0 11.15 386.4 145.44 Tm (make multiple inquiries to )Tj 11.14 0 0 11.14 75.36 116.88 Tm (credit bureaus, thereby damaging consumers)Tj 11.1 0 0 11.1 275.52 117.6 Tm (' credit ratings, and implying to consumers that )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 8.95 0 0 8.95 248.16 78.96 Tm (Complaint - Page 4 of 12 )Tj ET EMC endstream endobj 991 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /P <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 110.64 736.32 Tm (Case 4:06-cv-)Tj 9.89 0 0 9.89 180.96 736.32 Tm (021 02 )Tj 11.03 0 0 11.03 228.48 736.56 Tm (Document 1-)Tj 11.08 0 0 11.08 314.88 736.56 Tm (Filed 06/22/2006 )Tj 11 0 0 11 414.72 736.56 Tm (Page 4 of 12 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 9.79 0 0 9.79 113.28 687.12 Tm (11. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.15 0 0 11.15 145.92 687.12 Tm (When Defendants purchase the debts, they receive no hard copies of the )Tj 11.37 0 0 11.37 77.76 660.72 Tm (documents relating to the accounts. The electronic fies which accompany \ the debts )Tj 10.75 0 0 10.75 457.44 661.2 Tm (often )Tj 11.4 0 0 11.4 77.52 633.84 Tm (contain incomplete data. For example)Tj 11.17 0 0 11.17 250.08 634.08 Tm (, such important information as the debtors)Tj 10.59 0 0 10.59 443.28 634.32 Tm (' Social )Tj /T1_2 1 Tf 8.69 0 0 8.69 77.76 606.72 Tm (Securty numbers)Tj /T1_0 1 Tf 10.46 0 0 10.46 156.96 606.96 Tm (, payment reords)Tj /T1_1 1 Tf 11.03 0 0 11.03 236.4 606.96 Tm (, and last payment dates )Tj /T1_2 1 Tf 7.88 0 0 7.88 344.88 607.2 Tm (ar frequently missing. )Tj /T1_1 1 Tf 10.99 0 0 10.99 453.6 607.2 Tm (Because the )Tj 11.17 0 0 11.17 77.52 579.12 Tm (debts are so old and have often been sold several times)Tj 11.27 0 0 11.27 323.52 579.6 Tm (, data in the fies is frequently inaccurate. )Tj 11.19 0 0 11.19 77.04 551.52 Tm (Lacking sufficient documentation to validate its debts)Tj 11.14 0 0 11.14 318.24 552.24 Tm (, Defendants tell consumers that their debts )Tj 11.18 0 0 11.18 77.28 524.16 Tm (are validated by an Affidavit and Assignment \(")Tj 11.89 0 0 11.89 292.32 524.64 Tm (Affdavit")Tj /T1_0 1 Tf 11.51 0 0 11.51 337.92 524.64 Tm (\). This Affidavit)Tj /T1_1 1 Tf 11.14 0 0 11.14 414.48 524.64 Tm (, however)Tj 10.96 0 0 10.96 458.64 524.64 Tm (, is executed )Tj 11.18 0 0 11.18 76.8 497.04 Tm (by a Whitewing collection supervisor and is based only upon a review of \ Defendants)Tj 10.93 0 0 10.93 457.44 497.52 Tm (' incomplete )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.29 0 0 7.29 77.04 469.92 Tm (and often inaccurate electronic fies.\001)Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 9.79 0 0 9.79 111.84 443.28 Tm (12. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 10.03 0 0 10.03 144.72 443.28 Tm (As required by the FDCP A)Tj 10.48 0 0 10.48 266.4 443.52 Tm (, Defendats send validation )Tj /T1_1 1 Tf 11.18 0 0 11.18 395.76 443.76 Tm (notices to consumers that )Tj 11.19 0 0 11.19 76.56 416.64 Tm (inform the consumers of their right to dispute the debt; however)Tj 11.08 0 0 11.08 363.6 417.36 Tm (, Defendants frequently take )Tj 11.17 0 0 11.17 76.8 390 Tm (actions that contradict or ")Tj 11.08 0 0 11.08 195.36 390.24 Tm (overshadow)Tj 11.29 0 0 11.29 249.36 390.24 Tm (" the validation notice. Defendants make representations )Tj /T1_0 1 Tf 9.99 0 0 9.99 76.32 362.64 Tm (that confuse consumers about their rights under the FDCP A, )Tj /T1_1 1 Tf 11.26 0 0 11.26 349.44 363.12 Tm (including who has the burden of )Tj 11.24 0 0 11.24 76.32 335.28 Tm (establishing the validity of the debt. Defendants also pressure consumer\ s to make payments on )Tj 11.13 0 0 11.13 76.32 308.4 Tm (their debts before they have received the required validation notice. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 9.6 0 0 9.6 111.12 281.04 Tm (13. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.14 0 0 11.14 143.76 281.04 Tm (Because there is no legitimate method to enforce payment of its aged deb\ ts )Tj 11.44 0 0 11.44 75.6 253.68 Tm (Whitewing engages in a varety )Tj 11.28 0 0 11.28 220.08 254.16 Tm (of misrepresentations. Whitewing collectors often misrepresent )Tj 11.18 0 0 11.18 75.84 226.56 Tm (the status of the debts they )Tj /T1_0 1 Tf 12.21 0 0 12.21 197.52 227.04 Tm (ar trng to collect)Tj /T1_1 1 Tf 11.14 0 0 11.14 284.88 227.28 Tm (, leading consumers to believe that legal )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.1 0 0 11.1 75.6 198.96 Tm (proceedings have already been instituted to collect the debt or that law\ suits, to collect debts are )Tj 11.21 0 0 11.21 75.6 172.08 Tm (not time-)Tj /T1_2 1 Tf 8.68 0 0 8.68 117.12 172.08 Tm (bared. Whitewing )Tj /T1_1 1 Tf 11.13 0 0 11.13 205.68 172.56 Tm (collectors-threaten to take actions that the company cannot or does )Tj 11.26 0 0 11.26 75.36 144.72 Tm (not intend to take)Tj 11.3 0 0 11.3 154.56 144.96 Tm (, including telling consumers that the company wil )Tj 11.15 0 0 11.15 386.4 145.44 Tm (make multiple inquiries to )Tj 11.14 0 0 11.14 75.36 116.88 Tm (credit bureaus, thereby damaging consumers)Tj 11.1 0 0 11.1 275.52 117.6 Tm (' credit ratings, and implying to consumers that )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 8.95 0 0 8.95 248.16 78.96 Tm (Complaint - Page 4 of 12 )Tj ET EMC endstream endobj 992 0 obj<> endobj 993 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /P <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 110.64 736.32 Tm (Case 4:06-cv-)Tj 9.89 0 0 9.89 180.96 736.32 Tm (021 02 )Tj 11.03 0 0 11.03 228.48 736.56 Tm (Document 1-)Tj 11.08 0 0 11.08 314.88 736.56 Tm (Filed 06/22/2006 )Tj 11 0 0 11 414.72 736.56 Tm (Page 4 of 12 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 9.79 0 0 9.79 113.28 687.12 Tm (11. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.15 0 0 11.15 145.92 687.12 Tm (When Defendants purchase the debts, they receive no hard copies of the )Tj 11.37 0 0 11.37 77.76 660.72 Tm (documents relating to the accounts. The electronic fies which accompany \ the debts )Tj 10.75 0 0 10.75 457.44 661.2 Tm (often )Tj 11.4 0 0 11.4 77.52 633.84 Tm (contain incomplete data. For example)Tj 11.17 0 0 11.17 250.08 634.08 Tm (, such important information as the debtors)Tj 10.59 0 0 10.59 443.28 634.32 Tm (' Social )Tj /T1_2 1 Tf 8.69 0 0 8.69 77.76 606.72 Tm (Securty numbers)Tj /T1_0 1 Tf 10.46 0 0 10.46 156.96 606.96 Tm (, payment reords)Tj /T1_1 1 Tf 11.03 0 0 11.03 236.4 606.96 Tm (, and last payment dates )Tj /T1_2 1 Tf 7.88 0 0 7.88 344.88 607.2 Tm (ar frequently missing. )Tj /T1_1 1 Tf 10.99 0 0 10.99 453.6 607.2 Tm (Because the )Tj 11.17 0 0 11.17 77.52 579.12 Tm (debts are so old and have often been sold several times)Tj 11.27 0 0 11.27 323.52 579.6 Tm (, data in the fies is frequently inaccurate. )Tj 11.19 0 0 11.19 77.04 551.52 Tm (Lacking sufficient documentation to validate its debts)Tj 11.14 0 0 11.14 318.24 552.24 Tm (, Defendants tell consumers that their debts )Tj 11.18 0 0 11.18 77.28 524.16 Tm (are validated by an Affidavit and Assignment \(")Tj 11.89 0 0 11.89 292.32 524.64 Tm (Affdavit")Tj /T1_0 1 Tf 11.51 0 0 11.51 337.92 524.64 Tm (\). This Affidavit)Tj /T1_1 1 Tf 11.14 0 0 11.14 414.48 524.64 Tm (, however)Tj 10.96 0 0 10.96 458.64 524.64 Tm (, is executed )Tj 11.18 0 0 11.18 76.8 497.04 Tm (by a Whitewing collection supervisor and is based only upon a review of \ Defendants)Tj 10.93 0 0 10.93 457.44 497.52 Tm (' incomplete )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.29 0 0 7.29 77.04 469.92 Tm (and often inaccurate electronic fies.\001)Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 9.79 0 0 9.79 111.84 443.28 Tm (12. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 10.03 0 0 10.03 144.72 443.28 Tm (As required by the FDCP A)Tj 10.48 0 0 10.48 266.4 443.52 Tm (, Defendats send validation )Tj /T1_1 1 Tf 11.18 0 0 11.18 395.76 443.76 Tm (notices to consumers that )Tj 11.19 0 0 11.19 76.56 416.64 Tm (inform the consumers of their right to dispute the debt; however)Tj 11.08 0 0 11.08 363.6 417.36 Tm (, Defendants frequently take )Tj 11.17 0 0 11.17 76.8 390 Tm (actions that contradict or ")Tj 11.08 0 0 11.08 195.36 390.24 Tm (overshadow)Tj 11.29 0 0 11.29 249.36 390.24 Tm (" the validation notice. Defendants make representations )Tj /T1_0 1 Tf 9.99 0 0 9.99 76.32 362.64 Tm (that confuse consumers about their rights under the FDCP A, )Tj /T1_1 1 Tf 11.26 0 0 11.26 349.44 363.12 Tm (including who has the burden of )Tj 11.24 0 0 11.24 76.32 335.28 Tm (establishing the validity of the debt. Defendants also pressure consumer\ s to make payments on )Tj 11.13 0 0 11.13 76.32 308.4 Tm (their debts before they have received the required validation notice. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 9.6 0 0 9.6 111.12 281.04 Tm (13. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.14 0 0 11.14 143.76 281.04 Tm (Because there is no legitimate method to enforce payment of its aged deb\ ts )Tj 11.44 0 0 11.44 75.6 253.68 Tm (Whitewing engages in a varety )Tj 11.28 0 0 11.28 220.08 254.16 Tm (of misrepresentations. Whitewing collectors often misrepresent )Tj 11.18 0 0 11.18 75.84 226.56 Tm (the status of the debts they )Tj /T1_0 1 Tf 12.21 0 0 12.21 197.52 227.04 Tm (ar trng to collect)Tj /T1_1 1 Tf 11.14 0 0 11.14 284.88 227.28 Tm (, leading consumers to believe that legal )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.1 0 0 11.1 75.6 198.96 Tm (proceedings have already been instituted to collect the debt or that law\ suits, to collect debts are )Tj 11.21 0 0 11.21 75.6 172.08 Tm (not time-)Tj /T1_2 1 Tf 8.68 0 0 8.68 117.12 172.08 Tm (bared. Whitewing )Tj /T1_1 1 Tf 11.13 0 0 11.13 205.68 172.56 Tm (collectors-threaten to take actions that the company cannot or does )Tj 11.26 0 0 11.26 75.36 144.72 Tm (not intend to take)Tj 11.3 0 0 11.3 154.56 144.96 Tm (, including telling consumers that the company wil )Tj 11.15 0 0 11.15 386.4 145.44 Tm (make multiple inquiries to )Tj 11.14 0 0 11.14 75.36 116.88 Tm (credit bureaus, thereby damaging consumers)Tj 11.1 0 0 11.1 275.52 117.6 Tm (' credit ratings, and implying to consumers that )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 8.95 0 0 8.95 248.16 78.96 Tm (Complaint - Page 4 of 12 )Tj ET EMC endstream endobj 994 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /P <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 110.64 736.32 Tm (Case 4:06-cv-)Tj 9.89 0 0 9.89 180.96 736.32 Tm (021 02 )Tj 11.03 0 0 11.03 228.48 736.56 Tm (Document 1-)Tj 11.08 0 0 11.08 314.88 736.56 Tm (Filed 06/22/2006 )Tj 11 0 0 11 414.72 736.56 Tm (Page 5 of 12 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.39 0 0 11.39 79.44 687.36 Tm (Whitewing wil sue to collect the debt. Collectors make other )Tj 11.17 0 0 11.17 358.8 687.12 Tm (misrepresentations to consumers, )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.14 0 0 11.14 79.2 660.48 Tm (including that Whitewing )Tj /T1_2 1 Tf 7.52 0 0 7.52 195.84 660.48 Tm (wil report paid-)Tj /T1_1 1 Tf 10.8 0 0 10.8 268.08 660.24 Tm (in-)Tj 11.16 0 0 11.16 280.8 660.48 Tm (full accounts to credit bureaus and that Whitewing )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.25 0 0 11.25 79.2 633.84 Tm (collectors are auditors or government offcials. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 9.6 0 0 9.6 113.52 606.96 Tm (14. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.08 0 0 11.08 145.44 606.72 Tm (In some instance.s, collectors call consumers at times or places that th\ e collector )Tj 11.11 0 0 11.11 79.2 579.36 Tm (knows is inconvenient for the consumer)Tj 11.08 0 0 11.08 257.04 579.36 Tm (, including at their place of employment. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 9.79 0 0 9.79 113.04 552.24 Tm (15. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.14 0 0 11.14 144.96 552.24 Tm (In an effort to convince consumers to settle their debts)Tj 11.09 0 0 11.09 388.08 552 Tm (, Defendants have relied on )Tj 11.48 0 0 11.48 78.96 525.12 Tm (varous settlement letters. One that has )Tj 11.16 0 0 11.16 256.56 524.88 Tm (been used in situations where Defendants believed the )Tj 11.1 0 0 11.1 78.48 497.28 Tm (consumer might settle stated that )Tj 11.08 0 0 11.08 227.76 497.28 Tm (" . . . your account )Tj 11.78 0 0 11.78 312 497.28 Tm (wil be settled )Tj 11.19 0 0 11.19 377.76 497.28 Tm (in full and we do not report to )Tj 10.96 0 0 10.96 78.48 470.4 Tm (any credit reporting agencies.)Tj /T1_2 1 Tf 8.2 0 0 8.2 209.04 470.4 Tm (" Another )Tj /T1_1 1 Tf 11.19 0 0 11.19 258.24 470.4 Tm (letter threatened that the Defendants intended to proceed )Tj /T1_0 1 Tf 10.17 0 0 10.17 78.24 443.52 Tm (" .. . . with an appropriate collection program in )Tj 10.85 0 0 10.85 290.4 443.28 Tm (accordace with )Tj /T1_1 1 Tf 11.09 0 0 11.09 365.76 443.28 Tm (state and federal law)Tj 11.22 0 0 11.22 457.68 443.04 Tm (" and that )Tj 11.81 0 0 11.81 78 416.64 Tm (" .. . you )Tj 11.24 0 0 11.24 121.2 416.64 Tm (ultimately wil be responsible for the full amount due on this account. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.9 0 0 11.9 178.32 389.76 Tm (FAIR DEBT COLLECTION PRACTICES ACT )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 9.6 0 0 9.6 111.6 363.12 Tm (16. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.09 0 0 11.09 143.76 363.12 Tm (In 1977, Congress passed the FDCPA, 15 U.S.)Tj /T1_2 1 Tf 8.55 0 0 8.55 352.08 363.12 Tm (c. 91692 )Tj 6.46 0 0 6.46 399.12 363.12 Tm (et seq. )Tj /T1_1 1 Tf 11.07 0 0 11.07 433.2 363.12 Tm (which became )Tj 11.02 0 0 11.02 77.28 335.76 Tm (effective on March 20, )Tj 11.25 0 0 11.25 181.92 336 Tm (1978, and has been in force since that date. )Tj 11.18 0 0 11.18 378.48 336 Tm (Section 814 of the FDCPA )Tj 10.15 0 0 10.15 78.24 308.88 Tm (15 D. )Tj /T1_2 1 Tf 7.22 0 0 7.22 132.96 308.88 Tm (16921, authorizes the )Tj /T1_0 1 Tf 10.37 0 0 10.37 228.24 308.88 Tm (Commssion to use all of its functions and )Tj /T1_1 1 Tf 11.15 0 0 11.15 419.52 308.64 Tm (powers under the)Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 5 0 0 5 110.64 308.88 Tm (C. )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.21 0 0 10.21 76.8 281.76 Tm (FTC Act to enforce compliance with the FDCP A by any debt collector, irr\ espective of whether )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.04 0 0 11.04 76.8 254.4 Tm (that debt collector is engaged in commerce or meets any other jurisdicti\ onal :tests set by the FTC )Tj 11.39 0 0 11.39 76.8 227.04 Tm (Act. The authority of the Commssion in this regard )Tj 11.18 0 0 11.18 312.72 227.04 Tm (includes the power to enforce the provisions )Tj /T1_0 1 Tf 9.91 0 0 9.91 76.8 199.44 Tm (of the FDCP A in the same manner as if the )Tj /T1_1 1 Tf 11.02 0 0 11.02 271.2 199.68 Tm (violations of the FDCP A were violations of a 鶹ý )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 76.08 172.56 Tm (Trade Commssion )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.57 0 0 7.57 163.92 172.56 Tm (trde regulation )Tj /T1_1 1 Tf 10.55 0 0 10.55 236.64 172.56 Tm (rule-. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 8.93 0 0 8.93 247.44 79.2 Tm (Complaint - Page 5 of 12 )Tj ET EMC endstream endobj 995 0 obj<> endobj 996 0 obj<> endobj 997 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /P <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 110.64 736.32 Tm (Case 4:06-cv-)Tj 9.89 0 0 9.89 180.96 736.32 Tm (021 02 )Tj 11.03 0 0 11.03 228.48 736.56 Tm (Document 1-)Tj 11.08 0 0 11.08 314.88 736.56 Tm (Filed 06/22/2006 )Tj 11 0 0 11 414.72 736.56 Tm (Page 5 of 12 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.39 0 0 11.39 79.44 687.36 Tm (Whitewing wil sue to collect the debt. Collectors make other )Tj 11.17 0 0 11.17 358.8 687.12 Tm (misrepresentations to consumers, )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.14 0 0 11.14 79.2 660.48 Tm (including that Whitewing )Tj /T1_2 1 Tf 7.52 0 0 7.52 195.84 660.48 Tm (wil report paid-)Tj /T1_1 1 Tf 10.8 0 0 10.8 268.08 660.24 Tm (in-)Tj 11.16 0 0 11.16 280.8 660.48 Tm (full accounts to credit bureaus and that Whitewing )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.25 0 0 11.25 79.2 633.84 Tm (collectors are auditors or government offcials. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 9.6 0 0 9.6 113.52 606.96 Tm (14. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.08 0 0 11.08 145.44 606.72 Tm (In some instance.s, collectors call consumers at times or places that th\ e collector )Tj 11.11 0 0 11.11 79.2 579.36 Tm (knows is inconvenient for the consumer)Tj 11.08 0 0 11.08 257.04 579.36 Tm (, including at their place of employment. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 9.79 0 0 9.79 113.04 552.24 Tm (15. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.14 0 0 11.14 144.96 552.24 Tm (In an effort to convince consumers to settle their debts)Tj 11.09 0 0 11.09 388.08 552 Tm (, Defendants have relied on )Tj 11.48 0 0 11.48 78.96 525.12 Tm (varous settlement letters. One that has )Tj 11.16 0 0 11.16 256.56 524.88 Tm (been used in situations where Defendants believed the )Tj 11.1 0 0 11.1 78.48 497.28 Tm (consumer might settle stated that )Tj 11.08 0 0 11.08 227.76 497.28 Tm (" . . . your account )Tj 11.78 0 0 11.78 312 497.28 Tm (wil be settled )Tj 11.19 0 0 11.19 377.76 497.28 Tm (in full and we do not report to )Tj 10.96 0 0 10.96 78.48 470.4 Tm (any credit reporting agencies.)Tj /T1_2 1 Tf 8.2 0 0 8.2 209.04 470.4 Tm (" Another )Tj /T1_1 1 Tf 11.19 0 0 11.19 258.24 470.4 Tm (letter threatened that the Defendants intended to proceed )Tj /T1_0 1 Tf 10.17 0 0 10.17 78.24 443.52 Tm (" .. . . with an appropriate collection program in )Tj 10.85 0 0 10.85 290.4 443.28 Tm (accordace with )Tj /T1_1 1 Tf 11.09 0 0 11.09 365.76 443.28 Tm (state and federal law)Tj 11.22 0 0 11.22 457.68 443.04 Tm (" and that )Tj 11.81 0 0 11.81 78 416.64 Tm (" .. . you )Tj 11.24 0 0 11.24 121.2 416.64 Tm (ultimately wil be responsible for the full amount due on this account. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.9 0 0 11.9 178.32 389.76 Tm (FAIR DEBT COLLECTION PRACTICES ACT )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 9.6 0 0 9.6 111.6 363.12 Tm (16. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.09 0 0 11.09 143.76 363.12 Tm (In 1977, Congress passed the FDCPA, 15 U.S.)Tj /T1_2 1 Tf 8.55 0 0 8.55 352.08 363.12 Tm (c. 91692 )Tj 6.46 0 0 6.46 399.12 363.12 Tm (et seq. )Tj /T1_1 1 Tf 11.07 0 0 11.07 433.2 363.12 Tm (which became )Tj 11.02 0 0 11.02 77.28 335.76 Tm (effective on March 20, )Tj 11.25 0 0 11.25 181.92 336 Tm (1978, and has been in force since that date. )Tj 11.18 0 0 11.18 378.48 336 Tm (Section 814 of the FDCPA )Tj 10.15 0 0 10.15 78.24 308.88 Tm (15 D. )Tj /T1_2 1 Tf 7.22 0 0 7.22 132.96 308.88 Tm (16921, authorizes the )Tj /T1_0 1 Tf 10.37 0 0 10.37 228.24 308.88 Tm (Commssion to use all of its functions and )Tj /T1_1 1 Tf 11.15 0 0 11.15 419.52 308.64 Tm (powers under the)Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 5 0 0 5 110.64 308.88 Tm (C. )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.21 0 0 10.21 76.8 281.76 Tm (FTC Act to enforce compliance with the FDCP A by any debt collector, irr\ espective of whether )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.04 0 0 11.04 76.8 254.4 Tm (that debt collector is engaged in commerce or meets any other jurisdicti\ onal :tests set by the FTC )Tj 11.39 0 0 11.39 76.8 227.04 Tm (Act. The authority of the Commssion in this regard )Tj 11.18 0 0 11.18 312.72 227.04 Tm (includes the power to enforce the provisions )Tj /T1_0 1 Tf 9.91 0 0 9.91 76.8 199.44 Tm (of the FDCP A in the same manner as if the )Tj /T1_1 1 Tf 11.02 0 0 11.02 271.2 199.68 Tm (violations of the FDCP A were violations of a 鶹ý )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 76.08 172.56 Tm (Trade Commssion )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.57 0 0 7.57 163.92 172.56 Tm (trde regulation )Tj /T1_1 1 Tf 10.55 0 0 10.55 236.64 172.56 Tm (rule-. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 8.93 0 0 8.93 247.44 79.2 Tm (Complaint - Page 5 of 12 )Tj ET EMC endstream endobj 998 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /P <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 110.64 736.32 Tm (Case 4:06-cv-)Tj 9.89 0 0 9.89 180.96 736.32 Tm (021 02 )Tj 11.03 0 0 11.03 228.48 736.56 Tm (Document 1-)Tj 11.08 0 0 11.08 314.88 736.56 Tm (Filed 06/22/2006 )Tj 11 0 0 11 414.72 736.56 Tm (Page 5 of 12 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.39 0 0 11.39 79.44 687.36 Tm (Whitewing wil sue to collect the debt. Collectors make other )Tj 11.17 0 0 11.17 358.8 687.12 Tm (misrepresentations to consumers, )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.14 0 0 11.14 79.2 660.48 Tm (including that Whitewing )Tj /T1_2 1 Tf 7.52 0 0 7.52 195.84 660.48 Tm (wil report paid-)Tj /T1_1 1 Tf 10.8 0 0 10.8 268.08 660.24 Tm (in-)Tj 11.16 0 0 11.16 280.8 660.48 Tm (full accounts to credit bureaus and that Whitewing )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.25 0 0 11.25 79.2 633.84 Tm (collectors are auditors or government offcials. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 9.6 0 0 9.6 113.52 606.96 Tm (14. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.08 0 0 11.08 145.44 606.72 Tm (In some instance.s, collectors call consumers at times or places that th\ e collector )Tj 11.11 0 0 11.11 79.2 579.36 Tm (knows is inconvenient for the consumer)Tj 11.08 0 0 11.08 257.04 579.36 Tm (, including at their place of employment. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 9.79 0 0 9.79 113.04 552.24 Tm (15. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.14 0 0 11.14 144.96 552.24 Tm (In an effort to convince consumers to settle their debts)Tj 11.09 0 0 11.09 388.08 552 Tm (, Defendants have relied on )Tj 11.48 0 0 11.48 78.96 525.12 Tm (varous settlement letters. One that has )Tj 11.16 0 0 11.16 256.56 524.88 Tm (been used in situations where Defendants believed the )Tj 11.1 0 0 11.1 78.48 497.28 Tm (consumer might settle stated that )Tj 11.08 0 0 11.08 227.76 497.28 Tm (" . . . your account )Tj 11.78 0 0 11.78 312 497.28 Tm (wil be settled )Tj 11.19 0 0 11.19 377.76 497.28 Tm (in full and we do not report to )Tj 10.96 0 0 10.96 78.48 470.4 Tm (any credit reporting agencies.)Tj /T1_2 1 Tf 8.2 0 0 8.2 209.04 470.4 Tm (" Another )Tj /T1_1 1 Tf 11.19 0 0 11.19 258.24 470.4 Tm (letter threatened that the Defendants intended to proceed )Tj /T1_0 1 Tf 10.17 0 0 10.17 78.24 443.52 Tm (" .. . . with an appropriate collection program in )Tj 10.85 0 0 10.85 290.4 443.28 Tm (accordace with )Tj /T1_1 1 Tf 11.09 0 0 11.09 365.76 443.28 Tm (state and federal law)Tj 11.22 0 0 11.22 457.68 443.04 Tm (" and that )Tj 11.81 0 0 11.81 78 416.64 Tm (" .. . you )Tj 11.24 0 0 11.24 121.2 416.64 Tm (ultimately wil be responsible for the full amount due on this account. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.9 0 0 11.9 178.32 389.76 Tm (FAIR DEBT COLLECTION PRACTICES ACT )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 9.6 0 0 9.6 111.6 363.12 Tm (16. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.09 0 0 11.09 143.76 363.12 Tm (In 1977, Congress passed the FDCPA, 15 U.S.)Tj /T1_2 1 Tf 8.55 0 0 8.55 352.08 363.12 Tm (c. 91692 )Tj 6.46 0 0 6.46 399.12 363.12 Tm (et seq. )Tj /T1_1 1 Tf 11.07 0 0 11.07 433.2 363.12 Tm (which became )Tj 11.02 0 0 11.02 77.28 335.76 Tm (effective on March 20, )Tj 11.25 0 0 11.25 181.92 336 Tm (1978, and has been in force since that date. )Tj 11.18 0 0 11.18 378.48 336 Tm (Section 814 of the FDCPA )Tj 10.15 0 0 10.15 78.24 308.88 Tm (15 D. )Tj /T1_2 1 Tf 7.22 0 0 7.22 132.96 308.88 Tm (16921, authorizes the )Tj /T1_0 1 Tf 10.37 0 0 10.37 228.24 308.88 Tm (Commssion to use all of its functions and )Tj /T1_1 1 Tf 11.15 0 0 11.15 419.52 308.64 Tm (powers under the)Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 5 0 0 5 110.64 308.88 Tm (C. )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.21 0 0 10.21 76.8 281.76 Tm (FTC Act to enforce compliance with the FDCP A by any debt collector, irr\ espective of whether )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.04 0 0 11.04 76.8 254.4 Tm (that debt collector is engaged in commerce or meets any other jurisdicti\ onal :tests set by the FTC )Tj 11.39 0 0 11.39 76.8 227.04 Tm (Act. The authority of the Commssion in this regard )Tj 11.18 0 0 11.18 312.72 227.04 Tm (includes the power to enforce the provisions )Tj /T1_0 1 Tf 9.91 0 0 9.91 76.8 199.44 Tm (of the FDCP A in the same manner as if the )Tj /T1_1 1 Tf 11.02 0 0 11.02 271.2 199.68 Tm (violations of the FDCP A were violations of a 鶹ý )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 76.08 172.56 Tm (Trade Commssion )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.57 0 0 7.57 163.92 172.56 Tm (trde regulation )Tj /T1_1 1 Tf 10.55 0 0 10.55 236.64 172.56 Tm (rule-. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 8.93 0 0 8.93 247.44 79.2 Tm (Complaint - Page 5 of 12 )Tj ET EMC endstream endobj 999 0 obj<> endobj 1000 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /P <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 110.64 736.32 Tm (Case 4:06-cv-)Tj 9.89 0 0 9.89 180.96 736.32 Tm (021 02 )Tj 11.03 0 0 11.03 228.48 736.56 Tm (Document 1-)Tj 11.08 0 0 11.08 314.88 736.56 Tm (Filed 06/22/2006 )Tj 11 0 0 11 414.72 736.56 Tm (Page 5 of 12 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.39 0 0 11.39 79.44 687.36 Tm (Whitewing wil sue to collect the debt. Collectors make other )Tj 11.17 0 0 11.17 358.8 687.12 Tm (misrepresentations to consumers, )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.14 0 0 11.14 79.2 660.48 Tm (including that Whitewing )Tj /T1_2 1 Tf 7.52 0 0 7.52 195.84 660.48 Tm (wil report paid-)Tj /T1_1 1 Tf 10.8 0 0 10.8 268.08 660.24 Tm (in-)Tj 11.16 0 0 11.16 280.8 660.48 Tm (full accounts to credit bureaus and that Whitewing )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.25 0 0 11.25 79.2 633.84 Tm (collectors are auditors or government offcials. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 9.6 0 0 9.6 113.52 606.96 Tm (14. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.08 0 0 11.08 145.44 606.72 Tm (In some instance.s, collectors call consumers at times or places that th\ e collector )Tj 11.11 0 0 11.11 79.2 579.36 Tm (knows is inconvenient for the consumer)Tj 11.08 0 0 11.08 257.04 579.36 Tm (, including at their place of employment. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 9.79 0 0 9.79 113.04 552.24 Tm (15. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.14 0 0 11.14 144.96 552.24 Tm (In an effort to convince consumers to settle their debts)Tj 11.09 0 0 11.09 388.08 552 Tm (, Defendants have relied on )Tj 11.48 0 0 11.48 78.96 525.12 Tm (varous settlement letters. One that has )Tj 11.16 0 0 11.16 256.56 524.88 Tm (been used in situations where Defendants believed the )Tj 11.1 0 0 11.1 78.48 497.28 Tm (consumer might settle stated that )Tj 11.08 0 0 11.08 227.76 497.28 Tm (" . . . your account )Tj 11.78 0 0 11.78 312 497.28 Tm (wil be settled )Tj 11.19 0 0 11.19 377.76 497.28 Tm (in full and we do not report to )Tj 10.96 0 0 10.96 78.48 470.4 Tm (any credit reporting agencies.)Tj /T1_2 1 Tf 8.2 0 0 8.2 209.04 470.4 Tm (" Another )Tj /T1_1 1 Tf 11.19 0 0 11.19 258.24 470.4 Tm (letter threatened that the Defendants intended to proceed )Tj /T1_0 1 Tf 10.17 0 0 10.17 78.24 443.52 Tm (" .. . . with an appropriate collection program in )Tj 10.85 0 0 10.85 290.4 443.28 Tm (accordace with )Tj /T1_1 1 Tf 11.09 0 0 11.09 365.76 443.28 Tm (state and federal law)Tj 11.22 0 0 11.22 457.68 443.04 Tm (" and that )Tj 11.81 0 0 11.81 78 416.64 Tm (" .. . you )Tj 11.24 0 0 11.24 121.2 416.64 Tm (ultimately wil be responsible for the full amount due on this account. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.9 0 0 11.9 178.32 389.76 Tm (FAIR DEBT COLLECTION PRACTICES ACT )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 9.6 0 0 9.6 111.6 363.12 Tm (16. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.09 0 0 11.09 143.76 363.12 Tm (In 1977, Congress passed the FDCPA, 15 U.S.)Tj /T1_2 1 Tf 8.55 0 0 8.55 352.08 363.12 Tm (c. 91692 )Tj 6.46 0 0 6.46 399.12 363.12 Tm (et seq. )Tj /T1_1 1 Tf 11.07 0 0 11.07 433.2 363.12 Tm (which became )Tj 11.02 0 0 11.02 77.28 335.76 Tm (effective on March 20, )Tj 11.25 0 0 11.25 181.92 336 Tm (1978, and has been in force since that date. )Tj 11.18 0 0 11.18 378.48 336 Tm (Section 814 of the FDCPA )Tj 10.15 0 0 10.15 78.24 308.88 Tm (15 D. )Tj /T1_2 1 Tf 7.22 0 0 7.22 132.96 308.88 Tm (16921, authorizes the )Tj /T1_0 1 Tf 10.37 0 0 10.37 228.24 308.88 Tm (Commssion to use all of its functions and )Tj /T1_1 1 Tf 11.15 0 0 11.15 419.52 308.64 Tm (powers under the)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 5 0 0 5 110.64 308.88 Tm (C. )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.21 0 0 10.21 76.8 281.76 Tm (FTC Act to enforce compliance with the FDCP A by any debt collector, irr\ espective of whether )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.04 0 0 11.04 76.8 254.4 Tm (that debt collector is engaged in commerce or meets any other jurisdicti\ onal :tests set by the FTC )Tj 11.39 0 0 11.39 76.8 227.04 Tm (Act. The authority of the Commssion in this regard )Tj 11.18 0 0 11.18 312.72 227.04 Tm (includes the power to enforce the provisions )Tj /T1_0 1 Tf 9.91 0 0 9.91 76.8 199.44 Tm (of the FDCP A in the same manner as if the )Tj /T1_1 1 Tf 11.02 0 0 11.02 271.2 199.68 Tm (violations of the FDCP A were violations of a 鶹ý )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 76.08 172.56 Tm (Trade Commssion )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.57 0 0 7.57 163.92 172.56 Tm (trde regulation )Tj /T1_1 1 Tf 10.55 0 0 10.55 236.64 172.56 Tm (rule-. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 8.93 0 0 8.93 247.44 79.2 Tm (Complaint - Page 5 of 12 )Tj ET EMC endstream endobj 1001 0 obj<> endobj 1002 0 obj<> endobj 1003 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /P <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 110.64 736.32 Tm (Case 4:06-cv-)Tj 9.89 0 0 9.89 180.96 736.32 Tm (021 02 )Tj 11.03 0 0 11.03 228.48 736.56 Tm (Document 1-)Tj 11.08 0 0 11.08 314.88 736.56 Tm (Filed 06/22/2006 )Tj 11 0 0 11 414.72 736.56 Tm (Page 6 of 12 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 9.79 0 0 9.79 110.88 686.64 Tm (17. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.23 0 0 11.23 143.52 686.64 Tm (The term ")Tj 10.79 0 0 10.79 192 686.88 Tm (consumer,)Tj 11.17 0 0 11.17 237.6 687.12 Tm (" as used in this Complaint, means any natural person )Tj 11.12 0 0 11.12 75.84 660.24 Tm (obligated or allegedly obligated to pay any debt)Tj 11.21 0 0 11.21 288.48 660.48 Tm (, as ")Tj 11.01 0 0 11.01 311.04 660.48 Tm (debt)Tj 11.16 0 0 11.16 330.24 660.48 Tm (" is defined in Section 803\(5\) of the )Tj 11.24 0 0 11.24 75.6 633.36 Tm (FDCPA)Tj /T1_0 1 Tf 9.87 0 0 9.87 112.56 633.36 Tm (, 15 U.S.)Tj /T1_2 1 Tf 7.54 0 0 7.54 151.92 633.36 Tm (C. 9 1692a\(5\). )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.9 0 0 11.9 117.84 606 Tm (VIOLATIONS OF THE FAIR DEBT COLLECTION PRACTICES ACT\001)Tj 11.74 0 0 11.74 270.48 579.36 Tm (COUNT I\001)Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 9.79 0 0 9.79 110.16 552 Tm (18. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.19 0 0 11.19 142.8 552 Tm (On numerous occasions, in connection with the collection of debts)Tj /T1_0 1 Tf 9.61 0 0 9.61 441.36 552 Tm (, Defendants )Tj /T1_1 1 Tf 10.72 0 0 10.72 75.12 524.4 Tm (have used .false)Tj /T1_0 1 Tf 9.83 0 0 9.83 144.24 524.4 Tm (, deceptive)Tj /T1_1 1 Tf 11.08 0 0 11.08 192.72 524.64 Tm (, or misleading representations or means)Tj /T1_0 1 Tf 10.21 0 0 10.21 372.72 524.64 Tm (, in violation- of Section 807 of )Tj /T1_1 1 Tf 11.14 0 0 11.14 75.12 497.04 Tm (the FDCPA)Tj 11.71 0 0 11.71 128.16 497.04 Tm (, 15 US.)Tj 5 0 0 5 167.52 497.04 Tm (C. )Tj 11.09 0 0 11.09 189.84 497.04 Tm (1692e, including, but not limited to, the following: )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.9 0 0 9.9 175.92 469.92 Tm (falsely. representing the character, amount, or legal status of debts, i\ n )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.99 0 0 10.99 175.92 443.04 Tm (violation of Section 807\(2\)\(A\) of the FDCP )Tj 11.76 0 0 11.76 371.04 442.8 Tm (A, 15 US.)Tj 5 0 0 5 419.28 442.8 Tm (C. )Tj 10.69 0 0 10.69 441.6 442.8 Tm (1692e\(2\)\(A\); )Tj /T1_0 1 Tf 10.19 0 0 10.19 175.68 416.4 Tm (theatening to take actions that cannot legally be taken or that )Tj /T1_1 1 Tf 10.74 0 0 10.74 453.36 416.4 Tm (are not )Tj ET EMC /LI_Label <>BDC BT /T1_0 1 Tf 9.7 0 0 9.7 171.12 389.76 Tm (-)Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 9.7 0 0 9.7 176.99 389.76 Tm (intended to be taken)Tj /T1_1 1 Tf 11 0 0 11 265.92 390 Tm (, in violation of Section 807\(5\) of the FDCP A)Tj 10.24 0 0 10.24 471.36 389.76 Tm (, 15 )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 5 0 0 5 195.36 363.12 Tm (C. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.06 0 0 11.06 217.2 363.12 Tm (1692e\(5\); or )Tj 11.14 0 0 11.14 175.2 336 Tm (using false representations or deceptive means to collect or attempt to \ )Tj 10.73 0 0 10.73 174.96 308.64 Tm (collect-)Tj 11.14 0 0 11.14 207.6 308.88 Tm (debts or to obtain information concerning a consumer, in violation )Tj /T1_0 1 Tf 10.26 0 0 10.26 174.96 281.04 Tm (of Section 807\(10\) of the FDCPA, 15 U. )Tj /T1_2 1 Tf 6.72 0 0 6.72 365.04 281.04 Tm (c. g )Tj /T1_1 1 Tf 11.75 0 0 11.75 385.2 280.56 Tm (J692e\(10\). )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 13.6 0 0 13.6 266.4 253.68 Tm (COUN II )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 9.99 0 0 9.99 108.24 226.8 Tm (19. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.08 0 0 11.08 141.12 226.8 Tm (On numerous occasions)Tj 11.18 0 0 11.18 247.68 227.28 Tm (, in connection with the collection of debts)Tj /T1_0 1 Tf 9.61 0 0 9.61 439.2 226.8 Tm (, Defendants )Tj /T1_1 1 Tf 11.16 0 0 11.16 73.44 198.96 Tm (have engaged in activities that contradicted)Tj /T1_0 1 Tf 9.71 0 0 9.71 267.12 199.68 Tm (, obscured)Tj /T1_1 1 Tf 11.11 0 0 11.11 313.2 199.44 Tm (, or overshadowed the notification of )Tj /T1_0 1 Tf 10.13 0 0 10.13 73.2 171.6 Tm (consumer rights contained in the validation notice required by Section 8\ 09\(a\) of the FDCP A )Tj /T1_1 1 Tf 10.26 0 0 10.26 74.16 144.72 Tm (15 U, )Tj /T1_0 1 Tf 10.62 0 0 10.62 107.04 144.72 Tm (c. 9 1692g\(a\), in violation of )Tj /T1_1 1 Tf 11.14 0 0 11.14 240.48 145.2 Tm (Section 809\(a\) of the FDCPA)Tj 11.42 0 0 11.42 373.92 144.96 Tm (, 15 US' )Tj /T1_2 1 Tf 7.51 0 0 7.51 413.28 144.96 Tm (c. g 1692g\(a\). )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 9.02 0 0 9.02 245.04 79.68 Tm (Complaint - Page 6 of 12 )Tj ET EMC endstream endobj 1004 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /P <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 110.64 736.32 Tm (Case 4:06-cv-)Tj 9.89 0 0 9.89 180.96 736.32 Tm (021 02 )Tj 11.03 0 0 11.03 228.48 736.56 Tm (Document 1-)Tj 11.08 0 0 11.08 314.88 736.56 Tm (Filed 06/22/2006 )Tj 11 0 0 11 414.72 736.56 Tm (Page 6 of 12 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 9.79 0 0 9.79 110.88 686.64 Tm (17. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.23 0 0 11.23 143.52 686.64 Tm (The term ")Tj 10.79 0 0 10.79 192 686.88 Tm (consumer,)Tj 11.17 0 0 11.17 237.6 687.12 Tm (" as used in this Complaint, means any natural person )Tj 11.12 0 0 11.12 75.84 660.24 Tm (obligated or allegedly obligated to pay any debt)Tj 11.21 0 0 11.21 288.48 660.48 Tm (, as ")Tj 11.01 0 0 11.01 311.04 660.48 Tm (debt)Tj 11.16 0 0 11.16 330.24 660.48 Tm (" is defined in Section 803\(5\) of the )Tj 11.24 0 0 11.24 75.6 633.36 Tm (FDCPA)Tj /T1_0 1 Tf 9.87 0 0 9.87 112.56 633.36 Tm (, 15 U.S.)Tj /T1_2 1 Tf 7.54 0 0 7.54 151.92 633.36 Tm (C. 9 1692a\(5\). )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.9 0 0 11.9 117.84 606 Tm (VIOLATIONS OF THE FAIR DEBT COLLECTION PRACTICES ACT\001)Tj 11.74 0 0 11.74 270.48 579.36 Tm (COUNT I\001)Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 9.79 0 0 9.79 110.16 552 Tm (18. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.19 0 0 11.19 142.8 552 Tm (On numerous occasions, in connection with the collection of debts)Tj /T1_0 1 Tf 9.61 0 0 9.61 441.36 552 Tm (, Defendants )Tj /T1_1 1 Tf 10.72 0 0 10.72 75.12 524.4 Tm (have used .false)Tj /T1_0 1 Tf 9.83 0 0 9.83 144.24 524.4 Tm (, deceptive)Tj /T1_1 1 Tf 11.08 0 0 11.08 192.72 524.64 Tm (, or misleading representations or means)Tj /T1_0 1 Tf 10.21 0 0 10.21 372.72 524.64 Tm (, in violation- of Section 807 of )Tj /T1_1 1 Tf 11.14 0 0 11.14 75.12 497.04 Tm (the FDCPA)Tj 11.71 0 0 11.71 128.16 497.04 Tm (, 15 US.)Tj 5 0 0 5 167.52 497.04 Tm (C. )Tj 11.09 0 0 11.09 189.84 497.04 Tm (1692e, including, but not limited to, the following: )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.9 0 0 9.9 175.92 469.92 Tm (falsely. representing the character, amount, or legal status of debts, i\ n )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.99 0 0 10.99 175.92 443.04 Tm (violation of Section 807\(2\)\(A\) of the FDCP )Tj 11.76 0 0 11.76 371.04 442.8 Tm (A, 15 US.)Tj 5 0 0 5 419.28 442.8 Tm (C. )Tj 10.69 0 0 10.69 441.6 442.8 Tm (1692e\(2\)\(A\); )Tj /T1_0 1 Tf 10.19 0 0 10.19 175.68 416.4 Tm (theatening to take actions that cannot legally be taken or that )Tj /T1_1 1 Tf 10.74 0 0 10.74 453.36 416.4 Tm (are not )Tj ET EMC /LI_Label <>BDC BT /T1_0 1 Tf 9.7 0 0 9.7 171.12 389.76 Tm (-)Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 9.7 0 0 9.7 176.99 389.76 Tm (intended to be taken)Tj /T1_1 1 Tf 11 0 0 11 265.92 390 Tm (, in violation of Section 807\(5\) of the FDCP A)Tj 10.24 0 0 10.24 471.36 389.76 Tm (, 15 )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 5 0 0 5 195.36 363.12 Tm (C. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.06 0 0 11.06 217.2 363.12 Tm (1692e\(5\); or )Tj 11.14 0 0 11.14 175.2 336 Tm (using false representations or deceptive means to collect or attempt to \ )Tj 10.73 0 0 10.73 174.96 308.64 Tm (collect-)Tj 11.14 0 0 11.14 207.6 308.88 Tm (debts or to obtain information concerning a consumer, in violation )Tj /T1_0 1 Tf 10.26 0 0 10.26 174.96 281.04 Tm (of Section 807\(10\) of the FDCPA, 15 U. )Tj /T1_2 1 Tf 6.72 0 0 6.72 365.04 281.04 Tm (c. g )Tj /T1_1 1 Tf 11.75 0 0 11.75 385.2 280.56 Tm (J692e\(10\). )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 13.6 0 0 13.6 266.4 253.68 Tm (COUN II )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 9.99 0 0 9.99 108.24 226.8 Tm (19. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.08 0 0 11.08 141.12 226.8 Tm (On numerous occasions)Tj 11.18 0 0 11.18 247.68 227.28 Tm (, in connection with the collection of debts)Tj /T1_0 1 Tf 9.61 0 0 9.61 439.2 226.8 Tm (, Defendants )Tj /T1_1 1 Tf 11.16 0 0 11.16 73.44 198.96 Tm (have engaged in activities that contradicted)Tj /T1_0 1 Tf 9.71 0 0 9.71 267.12 199.68 Tm (, obscured)Tj /T1_1 1 Tf 11.11 0 0 11.11 313.2 199.44 Tm (, or overshadowed the notification of )Tj /T1_0 1 Tf 10.13 0 0 10.13 73.2 171.6 Tm (consumer rights contained in the validation notice required by Section 8\ 09\(a\) of the FDCP A )Tj /T1_1 1 Tf 10.26 0 0 10.26 74.16 144.72 Tm (15 U, )Tj /T1_0 1 Tf 10.62 0 0 10.62 107.04 144.72 Tm (c. 9 1692g\(a\), in violation of )Tj /T1_1 1 Tf 11.14 0 0 11.14 240.48 145.2 Tm (Section 809\(a\) of the FDCPA)Tj 11.42 0 0 11.42 373.92 144.96 Tm (, 15 US' )Tj /T1_2 1 Tf 7.51 0 0 7.51 413.28 144.96 Tm (c. g 1692g\(a\). )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 9.02 0 0 9.02 245.04 79.68 Tm (Complaint - Page 6 of 12 )Tj ET EMC endstream endobj 1005 0 obj<> endobj 1006 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /P <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 110.64 736.32 Tm (Case 4:06-cv-)Tj 9.89 0 0 9.89 180.96 736.32 Tm (021 02 )Tj 11.03 0 0 11.03 228.48 736.56 Tm (Document 1-)Tj 11.08 0 0 11.08 314.88 736.56 Tm (Filed 06/22/2006 )Tj 11 0 0 11 414.72 736.56 Tm (Page 6 of 12 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 9.79 0 0 9.79 110.88 686.64 Tm (17. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.23 0 0 11.23 143.52 686.64 Tm (The term ")Tj 10.79 0 0 10.79 192 686.88 Tm (consumer,)Tj 11.17 0 0 11.17 237.6 687.12 Tm (" as used in this Complaint, means any natural person )Tj 11.12 0 0 11.12 75.84 660.24 Tm (obligated or allegedly obligated to pay any debt)Tj 11.21 0 0 11.21 288.48 660.48 Tm (, as ")Tj 11.01 0 0 11.01 311.04 660.48 Tm (debt)Tj 11.16 0 0 11.16 330.24 660.48 Tm (" is defined in Section 803\(5\) of the )Tj 11.24 0 0 11.24 75.6 633.36 Tm (FDCPA)Tj /T1_0 1 Tf 9.87 0 0 9.87 112.56 633.36 Tm (, 15 U.S.)Tj /T1_2 1 Tf 7.54 0 0 7.54 151.92 633.36 Tm (C. 9 1692a\(5\). )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.9 0 0 11.9 117.84 606 Tm (VIOLATIONS OF THE FAIR DEBT COLLECTION PRACTICES ACT\001)Tj 11.74 0 0 11.74 270.48 579.36 Tm (COUNT I\001)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 9.79 0 0 9.79 110.16 552 Tm (18. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.19 0 0 11.19 142.8 552 Tm (On numerous occasions, in connection with the collection of debts)Tj /T1_0 1 Tf 9.61 0 0 9.61 441.36 552 Tm (, Defendants )Tj /T1_1 1 Tf 10.72 0 0 10.72 75.12 524.4 Tm (have used .false)Tj /T1_0 1 Tf 9.83 0 0 9.83 144.24 524.4 Tm (, deceptive)Tj /T1_1 1 Tf 11.08 0 0 11.08 192.72 524.64 Tm (, or misleading representations or means)Tj /T1_0 1 Tf 10.21 0 0 10.21 372.72 524.64 Tm (, in violation- of Section 807 of )Tj /T1_1 1 Tf 11.14 0 0 11.14 75.12 497.04 Tm (the FDCPA)Tj 11.71 0 0 11.71 128.16 497.04 Tm (, 15 US.)Tj 5 0 0 5 167.52 497.04 Tm (C. )Tj 11.09 0 0 11.09 189.84 497.04 Tm (1692e, including, but not limited to, the following: )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.9 0 0 9.9 175.92 469.92 Tm (falsely. representing the character, amount, or legal status of debts, i\ n )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.99 0 0 10.99 175.92 443.04 Tm (violation of Section 807\(2\)\(A\) of the FDCP )Tj 11.76 0 0 11.76 371.04 442.8 Tm (A, 15 US.)Tj 5 0 0 5 419.28 442.8 Tm (C. )Tj 10.69 0 0 10.69 441.6 442.8 Tm (1692e\(2\)\(A\); )Tj /T1_0 1 Tf 10.19 0 0 10.19 175.68 416.4 Tm (theatening to take actions that cannot legally be taken or that )Tj /T1_1 1 Tf 10.74 0 0 10.74 453.36 416.4 Tm (are not )Tj ET EMC /LI_Label <>BDC BT /T1_0 1 Tf 9.7 0 0 9.7 171.12 389.76 Tm (-)Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 9.7 0 0 9.7 176.99 389.76 Tm (intended to be taken)Tj /T1_1 1 Tf 11 0 0 11 265.92 390 Tm (, in violation of Section 807\(5\) of the FDCP A)Tj 10.24 0 0 10.24 471.36 389.76 Tm (, 15 )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 5 0 0 5 195.36 363.12 Tm (C. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.06 0 0 11.06 217.2 363.12 Tm (1692e\(5\); or )Tj 11.14 0 0 11.14 175.2 336 Tm (using false representations or deceptive means to collect or attempt to \ )Tj 10.73 0 0 10.73 174.96 308.64 Tm (collect-)Tj 11.14 0 0 11.14 207.6 308.88 Tm (debts or to obtain information concerning a consumer, in violation )Tj /T1_0 1 Tf 10.26 0 0 10.26 174.96 281.04 Tm (of Section 807\(10\) of the FDCPA, 15 U. )Tj /T1_2 1 Tf 6.72 0 0 6.72 365.04 281.04 Tm (c. g )Tj /T1_1 1 Tf 11.75 0 0 11.75 385.2 280.56 Tm (J692e\(10\). )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 13.6 0 0 13.6 266.4 253.68 Tm (COUN II )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 9.99 0 0 9.99 108.24 226.8 Tm (19. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.08 0 0 11.08 141.12 226.8 Tm (On numerous occasions)Tj 11.18 0 0 11.18 247.68 227.28 Tm (, in connection with the collection of debts)Tj /T1_0 1 Tf 9.61 0 0 9.61 439.2 226.8 Tm (, Defendants )Tj /T1_1 1 Tf 11.16 0 0 11.16 73.44 198.96 Tm (have engaged in activities that contradicted)Tj /T1_0 1 Tf 9.71 0 0 9.71 267.12 199.68 Tm (, obscured)Tj /T1_1 1 Tf 11.11 0 0 11.11 313.2 199.44 Tm (, or overshadowed the notification of )Tj /T1_0 1 Tf 10.13 0 0 10.13 73.2 171.6 Tm (consumer rights contained in the validation notice required by Section 8\ 09\(a\) of the FDCP A )Tj /T1_1 1 Tf 10.26 0 0 10.26 74.16 144.72 Tm (15 U, )Tj /T1_0 1 Tf 10.62 0 0 10.62 107.04 144.72 Tm (c. 9 1692g\(a\), in violation of )Tj /T1_1 1 Tf 11.14 0 0 11.14 240.48 145.2 Tm (Section 809\(a\) of the FDCPA)Tj 11.42 0 0 11.42 373.92 144.96 Tm (, 15 US' )Tj /T1_2 1 Tf 7.51 0 0 7.51 413.28 144.96 Tm (c. g 1692g\(a\). )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 9.02 0 0 9.02 245.04 79.68 Tm (Complaint - Page 6 of 12 )Tj ET EMC endstream endobj 1007 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /P <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 110.64 736.32 Tm (Case 4:06-cv-)Tj 9.89 0 0 9.89 180.96 736.32 Tm (021 02 )Tj 11.03 0 0 11.03 228.48 736.56 Tm (Document 1-)Tj 11.08 0 0 11.08 314.88 736.56 Tm (Filed 06/22/2006 )Tj 11 0 0 11 414.72 736.56 Tm (Page 6 of 12 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 9.79 0 0 9.79 110.88 686.64 Tm (17. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.23 0 0 11.23 143.52 686.64 Tm (The term ")Tj 10.79 0 0 10.79 192 686.88 Tm (consumer,)Tj 11.17 0 0 11.17 237.6 687.12 Tm (" as used in this Complaint, means any natural person )Tj 11.12 0 0 11.12 75.84 660.24 Tm (obligated or allegedly obligated to pay any debt)Tj 11.21 0 0 11.21 288.48 660.48 Tm (, as ")Tj 11.01 0 0 11.01 311.04 660.48 Tm (debt)Tj 11.16 0 0 11.16 330.24 660.48 Tm (" is defined in Section 803\(5\) of the )Tj 11.24 0 0 11.24 75.6 633.36 Tm (FDCPA)Tj /T1_0 1 Tf 9.87 0 0 9.87 112.56 633.36 Tm (, 15 U.S.)Tj /T1_2 1 Tf 7.54 0 0 7.54 151.92 633.36 Tm (C. 9 1692a\(5\). )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.9 0 0 11.9 117.84 606 Tm (VIOLATIONS OF THE FAIR DEBT COLLECTION PRACTICES ACT\001)Tj 11.74 0 0 11.74 270.48 579.36 Tm (COUNT I\001)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 9.79 0 0 9.79 110.16 552 Tm (18. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.19 0 0 11.19 142.8 552 Tm (On numerous occasions, in connection with the collection of debts)Tj /T1_0 1 Tf 9.61 0 0 9.61 441.36 552 Tm (, Defendants )Tj /T1_1 1 Tf 10.72 0 0 10.72 75.12 524.4 Tm (have used .false)Tj /T1_0 1 Tf 9.83 0 0 9.83 144.24 524.4 Tm (, deceptive)Tj /T1_1 1 Tf 11.08 0 0 11.08 192.72 524.64 Tm (, or misleading representations or means)Tj /T1_0 1 Tf 10.21 0 0 10.21 372.72 524.64 Tm (, in violation- of Section 807 of )Tj /T1_1 1 Tf 11.14 0 0 11.14 75.12 497.04 Tm (the FDCPA)Tj 11.71 0 0 11.71 128.16 497.04 Tm (, 15 US.)Tj 5 0 0 5 167.52 497.04 Tm (C. )Tj 11.09 0 0 11.09 189.84 497.04 Tm (1692e, including, but not limited to, the following: )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.9 0 0 9.9 175.92 469.92 Tm (falsely. representing the character, amount, or legal status of debts, i\ n )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.99 0 0 10.99 175.92 443.04 Tm (violation of Section 807\(2\)\(A\) of the FDCP )Tj 11.76 0 0 11.76 371.04 442.8 Tm (A, 15 US.)Tj 5 0 0 5 419.28 442.8 Tm (C. )Tj 10.69 0 0 10.69 441.6 442.8 Tm (1692e\(2\)\(A\); )Tj /T1_0 1 Tf 10.19 0 0 10.19 175.68 416.4 Tm (theatening to take actions that cannot legally be taken or that )Tj /T1_1 1 Tf 10.74 0 0 10.74 453.36 416.4 Tm (are not )Tj ET EMC /LI_Label <>BDC BT /T1_0 1 Tf 9.7 0 0 9.7 171.12 389.76 Tm (-)Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 9.7 0 0 9.7 176.99 389.76 Tm (intended to be taken)Tj /T1_1 1 Tf 11 0 0 11 265.92 390 Tm (, in violation of Section 807\(5\) of the FDCP A)Tj 10.24 0 0 10.24 471.36 389.76 Tm (, 15 )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 5 0 0 5 195.36 363.12 Tm (C. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.06 0 0 11.06 217.2 363.12 Tm (1692e\(5\); or )Tj 11.14 0 0 11.14 175.2 336 Tm (using false representations or deceptive means to collect or attempt to \ )Tj 10.73 0 0 10.73 174.96 308.64 Tm (collect-)Tj 11.14 0 0 11.14 207.6 308.88 Tm (debts or to obtain information concerning a consumer, in violation )Tj /T1_0 1 Tf 10.26 0 0 10.26 174.96 281.04 Tm (of Section 807\(10\) of the FDCPA, 15 U. )Tj /T1_2 1 Tf 6.72 0 0 6.72 365.04 281.04 Tm (c. g )Tj /T1_1 1 Tf 11.75 0 0 11.75 385.2 280.56 Tm (J692e\(10\). )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 13.6 0 0 13.6 266.4 253.68 Tm (COUN II )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 9.99 0 0 9.99 108.24 226.8 Tm (19. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.08 0 0 11.08 141.12 226.8 Tm (On numerous occasions)Tj 11.18 0 0 11.18 247.68 227.28 Tm (, in connection with the collection of debts)Tj /T1_0 1 Tf 9.61 0 0 9.61 439.2 226.8 Tm (, Defendants )Tj /T1_1 1 Tf 11.16 0 0 11.16 73.44 198.96 Tm (have engaged in activities that contradicted)Tj /T1_0 1 Tf 9.71 0 0 9.71 267.12 199.68 Tm (, obscured)Tj /T1_1 1 Tf 11.11 0 0 11.11 313.2 199.44 Tm (, or overshadowed the notification of )Tj /T1_0 1 Tf 10.13 0 0 10.13 73.2 171.6 Tm (consumer rights contained in the validation notice required by Section 8\ 09\(a\) of the FDCP A )Tj /T1_1 1 Tf 10.26 0 0 10.26 74.16 144.72 Tm (15 U, )Tj /T1_0 1 Tf 10.62 0 0 10.62 107.04 144.72 Tm (c. 9 1692g\(a\), in violation of )Tj /T1_1 1 Tf 11.14 0 0 11.14 240.48 145.2 Tm (Section 809\(a\) of the FDCPA)Tj 11.42 0 0 11.42 373.92 144.96 Tm (, 15 US' )Tj /T1_2 1 Tf 7.51 0 0 7.51 413.28 144.96 Tm (c. g 1692g\(a\). )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 9.02 0 0 9.02 245.04 79.68 Tm (Complaint - Page 6 of 12 )Tj ET EMC endstream endobj 1008 0 obj<> endobj 1009 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /P <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 110.64 736.32 Tm (Case 4:06-cv-)Tj 9.89 0 0 9.89 180.96 736.32 Tm (021 02 )Tj 11.03 0 0 11.03 228.48 736.56 Tm (Document 1-)Tj 11.08 0 0 11.08 314.88 736.56 Tm (Filed 06/22/2006 )Tj 11 0 0 11 414.72 736.56 Tm (Page 6 of 12 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 9.79 0 0 9.79 110.88 686.64 Tm (17. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.23 0 0 11.23 143.52 686.64 Tm (The term ")Tj 10.79 0 0 10.79 192 686.88 Tm (consumer,)Tj 11.17 0 0 11.17 237.6 687.12 Tm (" as used in this Complaint, means any natural person )Tj 11.12 0 0 11.12 75.84 660.24 Tm (obligated or allegedly obligated to pay any debt)Tj 11.21 0 0 11.21 288.48 660.48 Tm (, as ")Tj 11.01 0 0 11.01 311.04 660.48 Tm (debt)Tj 11.16 0 0 11.16 330.24 660.48 Tm (" is defined in Section 803\(5\) of the )Tj 11.24 0 0 11.24 75.6 633.36 Tm (FDCPA)Tj /T1_0 1 Tf 9.87 0 0 9.87 112.56 633.36 Tm (, 15 U.S.)Tj /T1_2 1 Tf 7.54 0 0 7.54 151.92 633.36 Tm (C. 9 1692a\(5\). )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.9 0 0 11.9 117.84 606 Tm (VIOLATIONS OF THE FAIR DEBT COLLECTION PRACTICES ACT\001)Tj 11.74 0 0 11.74 270.48 579.36 Tm (COUNT I\001)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 9.79 0 0 9.79 110.16 552 Tm (18. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.19 0 0 11.19 142.8 552 Tm (On numerous occasions, in connection with the collection of debts)Tj /T1_0 1 Tf 9.61 0 0 9.61 441.36 552 Tm (, Defendants )Tj /T1_1 1 Tf 10.72 0 0 10.72 75.12 524.4 Tm (have used .false)Tj /T1_0 1 Tf 9.83 0 0 9.83 144.24 524.4 Tm (, deceptive)Tj /T1_1 1 Tf 11.08 0 0 11.08 192.72 524.64 Tm (, or misleading representations or means)Tj /T1_0 1 Tf 10.21 0 0 10.21 372.72 524.64 Tm (, in violation- of Section 807 of )Tj /T1_1 1 Tf 11.14 0 0 11.14 75.12 497.04 Tm (the FDCPA)Tj 11.71 0 0 11.71 128.16 497.04 Tm (, 15 US.)Tj 5 0 0 5 167.52 497.04 Tm (C. )Tj 11.09 0 0 11.09 189.84 497.04 Tm (1692e, including, but not limited to, the following: )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.9 0 0 9.9 175.92 469.92 Tm (falsely. representing the character, amount, or legal status of debts, i\ n )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.99 0 0 10.99 175.92 443.04 Tm (violation of Section 807\(2\)\(A\) of the FDCP )Tj 11.76 0 0 11.76 371.04 442.8 Tm (A, 15 US.)Tj 5 0 0 5 419.28 442.8 Tm (C. )Tj 10.69 0 0 10.69 441.6 442.8 Tm (1692e\(2\)\(A\); )Tj /T1_0 1 Tf 10.19 0 0 10.19 175.68 416.4 Tm (theatening to take actions that cannot legally be taken or that )Tj /T1_1 1 Tf 10.74 0 0 10.74 453.36 416.4 Tm (are not )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 9.7 0 0 9.7 171.12 389.76 Tm (-)Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 9.7 0 0 9.7 176.99 389.76 Tm (intended to be taken)Tj /T1_1 1 Tf 11 0 0 11 265.92 390 Tm (, in violation of Section 807\(5\) of the FDCP A)Tj 10.24 0 0 10.24 471.36 389.76 Tm (, 15 )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 5 0 0 5 195.36 363.12 Tm (C. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.06 0 0 11.06 217.2 363.12 Tm (1692e\(5\); or )Tj 11.14 0 0 11.14 175.2 336 Tm (using false representations or deceptive means to collect or attempt to \ )Tj 10.73 0 0 10.73 174.96 308.64 Tm (collect-)Tj 11.14 0 0 11.14 207.6 308.88 Tm (debts or to obtain information concerning a consumer, in violation )Tj /T1_0 1 Tf 10.26 0 0 10.26 174.96 281.04 Tm (of Section 807\(10\) of the FDCPA, 15 U. )Tj /T1_2 1 Tf 6.72 0 0 6.72 365.04 281.04 Tm (c. g )Tj /T1_1 1 Tf 11.75 0 0 11.75 385.2 280.56 Tm (J692e\(10\). )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 13.6 0 0 13.6 266.4 253.68 Tm (COUN II )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 9.99 0 0 9.99 108.24 226.8 Tm (19. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.08 0 0 11.08 141.12 226.8 Tm (On numerous occasions)Tj 11.18 0 0 11.18 247.68 227.28 Tm (, in connection with the collection of debts)Tj /T1_0 1 Tf 9.61 0 0 9.61 439.2 226.8 Tm (, Defendants )Tj /T1_1 1 Tf 11.16 0 0 11.16 73.44 198.96 Tm (have engaged in activities that contradicted)Tj /T1_0 1 Tf 9.71 0 0 9.71 267.12 199.68 Tm (, obscured)Tj /T1_1 1 Tf 11.11 0 0 11.11 313.2 199.44 Tm (, or overshadowed the notification of )Tj /T1_0 1 Tf 10.13 0 0 10.13 73.2 171.6 Tm (consumer rights contained in the validation notice required by Section 8\ 09\(a\) of the FDCP A )Tj /T1_1 1 Tf 10.26 0 0 10.26 74.16 144.72 Tm (15 U, )Tj /T1_0 1 Tf 10.62 0 0 10.62 107.04 144.72 Tm (c. 9 1692g\(a\), in violation of )Tj /T1_1 1 Tf 11.14 0 0 11.14 240.48 145.2 Tm (Section 809\(a\) of the FDCPA)Tj 11.42 0 0 11.42 373.92 144.96 Tm (, 15 US' )Tj /T1_2 1 Tf 7.51 0 0 7.51 413.28 144.96 Tm (c. g 1692g\(a\). )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 9.02 0 0 9.02 245.04 79.68 Tm (Complaint - Page 6 of 12 )Tj ET EMC endstream endobj 1010 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /P <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 110.64 736.32 Tm (Case 4:06-cv-)Tj 9.89 0 0 9.89 180.96 736.32 Tm (021 02 )Tj 11.03 0 0 11.03 228.48 736.56 Tm (Document 1-)Tj 11.08 0 0 11.08 314.88 736.56 Tm (Filed 06/22/2006 )Tj 11 0 0 11 414.72 736.56 Tm (Page 6 of 12 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 9.79 0 0 9.79 110.88 686.64 Tm (17. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.23 0 0 11.23 143.52 686.64 Tm (The term ")Tj 10.79 0 0 10.79 192 686.88 Tm (consumer,)Tj 11.17 0 0 11.17 237.6 687.12 Tm (" as used in this Complaint, means any natural person )Tj 11.12 0 0 11.12 75.84 660.24 Tm (obligated or allegedly obligated to pay any debt)Tj 11.21 0 0 11.21 288.48 660.48 Tm (, as ")Tj 11.01 0 0 11.01 311.04 660.48 Tm (debt)Tj 11.16 0 0 11.16 330.24 660.48 Tm (" is defined in Section 803\(5\) of the )Tj 11.24 0 0 11.24 75.6 633.36 Tm (FDCPA)Tj /T1_0 1 Tf 9.87 0 0 9.87 112.56 633.36 Tm (, 15 U.S.)Tj /T1_2 1 Tf 7.54 0 0 7.54 151.92 633.36 Tm (C. 9 1692a\(5\). )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.9 0 0 11.9 117.84 606 Tm (VIOLATIONS OF THE FAIR DEBT COLLECTION PRACTICES ACT\001)Tj 11.74 0 0 11.74 270.48 579.36 Tm (COUNT I\001)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 9.79 0 0 9.79 110.16 552 Tm (18. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.19 0 0 11.19 142.8 552 Tm (On numerous occasions, in connection with the collection of debts)Tj /T1_0 1 Tf 9.61 0 0 9.61 441.36 552 Tm (, Defendants )Tj /T1_1 1 Tf 10.72 0 0 10.72 75.12 524.4 Tm (have used .false)Tj /T1_0 1 Tf 9.83 0 0 9.83 144.24 524.4 Tm (, deceptive)Tj /T1_1 1 Tf 11.08 0 0 11.08 192.72 524.64 Tm (, or misleading representations or means)Tj /T1_0 1 Tf 10.21 0 0 10.21 372.72 524.64 Tm (, in violation- of Section 807 of )Tj /T1_1 1 Tf 11.14 0 0 11.14 75.12 497.04 Tm (the FDCPA)Tj 11.71 0 0 11.71 128.16 497.04 Tm (, 15 US.)Tj 5 0 0 5 167.52 497.04 Tm (C. )Tj 11.09 0 0 11.09 189.84 497.04 Tm (1692e, including, but not limited to, the following: )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.9 0 0 9.9 175.92 469.92 Tm (falsely. representing the character, amount, or legal status of debts, i\ n )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.99 0 0 10.99 175.92 443.04 Tm (violation of Section 807\(2\)\(A\) of the FDCP )Tj 11.76 0 0 11.76 371.04 442.8 Tm (A, 15 US.)Tj 5 0 0 5 419.28 442.8 Tm (C. )Tj 10.69 0 0 10.69 441.6 442.8 Tm (1692e\(2\)\(A\); )Tj /T1_0 1 Tf 10.19 0 0 10.19 175.68 416.4 Tm (theatening to take actions that cannot legally be taken or that )Tj /T1_1 1 Tf 10.74 0 0 10.74 453.36 416.4 Tm (are not )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 9.7 0 0 9.7 171.12 389.76 Tm (-)Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 9.7 0 0 9.7 176.99 389.76 Tm (intended to be taken)Tj /T1_1 1 Tf 11 0 0 11 265.92 390 Tm (, in violation of Section 807\(5\) of the FDCP A)Tj 10.24 0 0 10.24 471.36 389.76 Tm (, 15 )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 5 0 0 5 195.36 363.12 Tm (C. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.06 0 0 11.06 217.2 363.12 Tm (1692e\(5\); or )Tj 11.14 0 0 11.14 175.2 336 Tm (using false representations or deceptive means to collect or attempt to \ )Tj 10.73 0 0 10.73 174.96 308.64 Tm (collect-)Tj 11.14 0 0 11.14 207.6 308.88 Tm (debts or to obtain information concerning a consumer, in violation )Tj /T1_0 1 Tf 10.26 0 0 10.26 174.96 281.04 Tm (of Section 807\(10\) of the FDCPA, 15 U. )Tj /T1_2 1 Tf 6.72 0 0 6.72 365.04 281.04 Tm (c. g )Tj /T1_1 1 Tf 11.75 0 0 11.75 385.2 280.56 Tm (J692e\(10\). )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 13.6 0 0 13.6 266.4 253.68 Tm (COUN II )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 9.99 0 0 9.99 108.24 226.8 Tm (19. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.08 0 0 11.08 141.12 226.8 Tm (On numerous occasions)Tj 11.18 0 0 11.18 247.68 227.28 Tm (, in connection with the collection of debts)Tj /T1_0 1 Tf 9.61 0 0 9.61 439.2 226.8 Tm (, Defendants )Tj /T1_1 1 Tf 11.16 0 0 11.16 73.44 198.96 Tm (have engaged in activities that contradicted)Tj /T1_0 1 Tf 9.71 0 0 9.71 267.12 199.68 Tm (, obscured)Tj /T1_1 1 Tf 11.11 0 0 11.11 313.2 199.44 Tm (, or overshadowed the notification of )Tj /T1_0 1 Tf 10.13 0 0 10.13 73.2 171.6 Tm (consumer rights contained in the validation notice required by Section 8\ 09\(a\) of the FDCP A )Tj /T1_1 1 Tf 10.26 0 0 10.26 74.16 144.72 Tm (15 U, )Tj /T1_0 1 Tf 10.62 0 0 10.62 107.04 144.72 Tm (c. 9 1692g\(a\), in violation of )Tj /T1_1 1 Tf 11.14 0 0 11.14 240.48 145.2 Tm (Section 809\(a\) of the FDCPA)Tj 11.42 0 0 11.42 373.92 144.96 Tm (, 15 US' )Tj /T1_2 1 Tf 7.51 0 0 7.51 413.28 144.96 Tm (c. g 1692g\(a\). )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 9.02 0 0 9.02 245.04 79.68 Tm (Complaint - Page 6 of 12 )Tj ET EMC endstream endobj 1011 0 obj<> endobj 1012 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /P <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 110.64 736.32 Tm (Case 4:06-cv-)Tj 9.89 0 0 9.89 180.96 736.32 Tm (021 02 )Tj 11.03 0 0 11.03 228.48 736.56 Tm (Document 1-)Tj 11.08 0 0 11.08 314.88 736.56 Tm (Filed 06/22/2006 )Tj 11 0 0 11 414.72 736.56 Tm (Page 6 of 12 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 9.79 0 0 9.79 110.88 686.64 Tm (17. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.23 0 0 11.23 143.52 686.64 Tm (The term ")Tj 10.79 0 0 10.79 192 686.88 Tm (consumer,)Tj 11.17 0 0 11.17 237.6 687.12 Tm (" as used in this Complaint, means any natural person )Tj 11.12 0 0 11.12 75.84 660.24 Tm (obligated or allegedly obligated to pay any debt)Tj 11.21 0 0 11.21 288.48 660.48 Tm (, as ")Tj 11.01 0 0 11.01 311.04 660.48 Tm (debt)Tj 11.16 0 0 11.16 330.24 660.48 Tm (" is defined in Section 803\(5\) of the )Tj 11.24 0 0 11.24 75.6 633.36 Tm (FDCPA)Tj /T1_0 1 Tf 9.87 0 0 9.87 112.56 633.36 Tm (, 15 U.S.)Tj /T1_2 1 Tf 7.54 0 0 7.54 151.92 633.36 Tm (C. 9 1692a\(5\). )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.9 0 0 11.9 117.84 606 Tm (VIOLATIONS OF THE FAIR DEBT COLLECTION PRACTICES ACT\001)Tj 11.74 0 0 11.74 270.48 579.36 Tm (COUNT I\001)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 9.79 0 0 9.79 110.16 552 Tm (18. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.19 0 0 11.19 142.8 552 Tm (On numerous occasions, in connection with the collection of debts)Tj /T1_0 1 Tf 9.61 0 0 9.61 441.36 552 Tm (, Defendants )Tj /T1_1 1 Tf 10.72 0 0 10.72 75.12 524.4 Tm (have used .false)Tj /T1_0 1 Tf 9.83 0 0 9.83 144.24 524.4 Tm (, deceptive)Tj /T1_1 1 Tf 11.08 0 0 11.08 192.72 524.64 Tm (, or misleading representations or means)Tj /T1_0 1 Tf 10.21 0 0 10.21 372.72 524.64 Tm (, in violation- of Section 807 of )Tj /T1_1 1 Tf 11.14 0 0 11.14 75.12 497.04 Tm (the FDCPA)Tj 11.71 0 0 11.71 128.16 497.04 Tm (, 15 US.)Tj 5 0 0 5 167.52 497.04 Tm (C. )Tj 11.09 0 0 11.09 189.84 497.04 Tm (1692e, including, but not limited to, the following: )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.9 0 0 9.9 175.92 469.92 Tm (falsely. representing the character, amount, or legal status of debts, i\ n )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.99 0 0 10.99 175.92 443.04 Tm (violation of Section 807\(2\)\(A\) of the FDCP )Tj 11.76 0 0 11.76 371.04 442.8 Tm (A, 15 US.)Tj 5 0 0 5 419.28 442.8 Tm (C. )Tj 10.69 0 0 10.69 441.6 442.8 Tm (1692e\(2\)\(A\); )Tj /T1_0 1 Tf 10.19 0 0 10.19 175.68 416.4 Tm (theatening to take actions that cannot legally be taken or that )Tj /T1_1 1 Tf 10.74 0 0 10.74 453.36 416.4 Tm (are not )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 9.7 0 0 9.7 171.12 389.76 Tm (-)Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 9.7 0 0 9.7 176.99 389.76 Tm (intended to be taken)Tj /T1_1 1 Tf 11 0 0 11 265.92 390 Tm (, in violation of Section 807\(5\) of the FDCP A)Tj 10.24 0 0 10.24 471.36 389.76 Tm (, 15 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 5 0 0 5 195.36 363.12 Tm (C. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.06 0 0 11.06 217.2 363.12 Tm (1692e\(5\); or )Tj 11.14 0 0 11.14 175.2 336 Tm (using false representations or deceptive means to collect or attempt to \ )Tj 10.73 0 0 10.73 174.96 308.64 Tm (collect-)Tj 11.14 0 0 11.14 207.6 308.88 Tm (debts or to obtain information concerning a consumer, in violation )Tj /T1_0 1 Tf 10.26 0 0 10.26 174.96 281.04 Tm (of Section 807\(10\) of the FDCPA, 15 U. )Tj /T1_2 1 Tf 6.72 0 0 6.72 365.04 281.04 Tm (c. g )Tj /T1_1 1 Tf 11.75 0 0 11.75 385.2 280.56 Tm (J692e\(10\). )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 13.6 0 0 13.6 266.4 253.68 Tm (COUN II )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 9.99 0 0 9.99 108.24 226.8 Tm (19. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.08 0 0 11.08 141.12 226.8 Tm (On numerous occasions)Tj 11.18 0 0 11.18 247.68 227.28 Tm (, in connection with the collection of debts)Tj /T1_0 1 Tf 9.61 0 0 9.61 439.2 226.8 Tm (, Defendants )Tj /T1_1 1 Tf 11.16 0 0 11.16 73.44 198.96 Tm (have engaged in activities that contradicted)Tj /T1_0 1 Tf 9.71 0 0 9.71 267.12 199.68 Tm (, obscured)Tj /T1_1 1 Tf 11.11 0 0 11.11 313.2 199.44 Tm (, or overshadowed the notification of )Tj /T1_0 1 Tf 10.13 0 0 10.13 73.2 171.6 Tm (consumer rights contained in the validation notice required by Section 8\ 09\(a\) of the FDCP A )Tj /T1_1 1 Tf 10.26 0 0 10.26 74.16 144.72 Tm (15 U, )Tj /T1_0 1 Tf 10.62 0 0 10.62 107.04 144.72 Tm (c. 9 1692g\(a\), in violation of )Tj /T1_1 1 Tf 11.14 0 0 11.14 240.48 145.2 Tm (Section 809\(a\) of the FDCPA)Tj 11.42 0 0 11.42 373.92 144.96 Tm (, 15 US' )Tj /T1_2 1 Tf 7.51 0 0 7.51 413.28 144.96 Tm (c. g 1692g\(a\). )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 9.02 0 0 9.02 245.04 79.68 Tm (Complaint - Page 6 of 12 )Tj ET EMC endstream endobj 1013 0 obj<> endobj 1014 0 obj<> endobj 1015 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /P <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 110.64 736.32 Tm (Case 4:06-cv-)Tj 9.89 0 0 9.89 180.96 736.32 Tm (021 02 )Tj 11.03 0 0 11.03 228.48 736.56 Tm (Document 1-)Tj 11.08 0 0 11.08 314.88 736.56 Tm (Filed 06/22/2006 )Tj 11 0 0 11 414.72 736.56 Tm (Page 6 of 12 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 9.79 0 0 9.79 110.88 686.64 Tm (17. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.23 0 0 11.23 143.52 686.64 Tm (The term ")Tj 10.79 0 0 10.79 192 686.88 Tm (consumer,)Tj 11.17 0 0 11.17 237.6 687.12 Tm (" as used in this Complaint, means any natural person )Tj 11.12 0 0 11.12 75.84 660.24 Tm (obligated or allegedly obligated to pay any debt)Tj 11.21 0 0 11.21 288.48 660.48 Tm (, as ")Tj 11.01 0 0 11.01 311.04 660.48 Tm (debt)Tj 11.16 0 0 11.16 330.24 660.48 Tm (" is defined in Section 803\(5\) of the )Tj 11.24 0 0 11.24 75.6 633.36 Tm (FDCPA)Tj /T1_0 1 Tf 9.87 0 0 9.87 112.56 633.36 Tm (, 15 U.S.)Tj /T1_2 1 Tf 7.54 0 0 7.54 151.92 633.36 Tm (C. 9 1692a\(5\). )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.9 0 0 11.9 117.84 606 Tm (VIOLATIONS OF THE FAIR DEBT COLLECTION PRACTICES ACT\001)Tj 11.74 0 0 11.74 270.48 579.36 Tm (COUNT I\001)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 9.79 0 0 9.79 110.16 552 Tm (18. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.19 0 0 11.19 142.8 552 Tm (On numerous occasions, in connection with the collection of debts)Tj /T1_0 1 Tf 9.61 0 0 9.61 441.36 552 Tm (, Defendants )Tj /T1_1 1 Tf 10.72 0 0 10.72 75.12 524.4 Tm (have used .false)Tj /T1_0 1 Tf 9.83 0 0 9.83 144.24 524.4 Tm (, deceptive)Tj /T1_1 1 Tf 11.08 0 0 11.08 192.72 524.64 Tm (, or misleading representations or means)Tj /T1_0 1 Tf 10.21 0 0 10.21 372.72 524.64 Tm (, in violation- of Section 807 of )Tj /T1_1 1 Tf 11.14 0 0 11.14 75.12 497.04 Tm (the FDCPA)Tj 11.71 0 0 11.71 128.16 497.04 Tm (, 15 US.)Tj 5 0 0 5 167.52 497.04 Tm (C. )Tj 11.09 0 0 11.09 189.84 497.04 Tm (1692e, including, but not limited to, the following: )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.9 0 0 9.9 175.92 469.92 Tm (falsely. representing the character, amount, or legal status of debts, i\ n )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.99 0 0 10.99 175.92 443.04 Tm (violation of Section 807\(2\)\(A\) of the FDCP )Tj 11.76 0 0 11.76 371.04 442.8 Tm (A, 15 US.)Tj 5 0 0 5 419.28 442.8 Tm (C. )Tj 10.69 0 0 10.69 441.6 442.8 Tm (1692e\(2\)\(A\); )Tj /T1_0 1 Tf 10.19 0 0 10.19 175.68 416.4 Tm (theatening to take actions that cannot legally be taken or that )Tj /T1_1 1 Tf 10.74 0 0 10.74 453.36 416.4 Tm (are not )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 9.7 0 0 9.7 171.12 389.76 Tm (-)Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 9.7 0 0 9.7 176.99 389.76 Tm (intended to be taken)Tj /T1_1 1 Tf 11 0 0 11 265.92 390 Tm (, in violation of Section 807\(5\) of the FDCP A)Tj 10.24 0 0 10.24 471.36 389.76 Tm (, 15 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 5 0 0 5 195.36 363.12 Tm (C. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.06 0 0 11.06 217.2 363.12 Tm (1692e\(5\); or )Tj 11.14 0 0 11.14 175.2 336 Tm (using false representations or deceptive means to collect or attempt to \ )Tj 10.73 0 0 10.73 174.96 308.64 Tm (collect-)Tj 11.14 0 0 11.14 207.6 308.88 Tm (debts or to obtain information concerning a consumer, in violation )Tj /T1_0 1 Tf 10.26 0 0 10.26 174.96 281.04 Tm (of Section 807\(10\) of the FDCPA, 15 U. )Tj /T1_2 1 Tf 6.72 0 0 6.72 365.04 281.04 Tm (c. g )Tj /T1_1 1 Tf 11.75 0 0 11.75 385.2 280.56 Tm (J692e\(10\). )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 13.6 0 0 13.6 266.4 253.68 Tm (COUN II )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 9.99 0 0 9.99 108.24 226.8 Tm (19. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.08 0 0 11.08 141.12 226.8 Tm (On numerous occasions)Tj 11.18 0 0 11.18 247.68 227.28 Tm (, in connection with the collection of debts)Tj /T1_0 1 Tf 9.61 0 0 9.61 439.2 226.8 Tm (, Defendants )Tj /T1_1 1 Tf 11.16 0 0 11.16 73.44 198.96 Tm (have engaged in activities that contradicted)Tj /T1_0 1 Tf 9.71 0 0 9.71 267.12 199.68 Tm (, obscured)Tj /T1_1 1 Tf 11.11 0 0 11.11 313.2 199.44 Tm (, or overshadowed the notification of )Tj /T1_0 1 Tf 10.13 0 0 10.13 73.2 171.6 Tm (consumer rights contained in the validation notice required by Section 8\ 09\(a\) of the FDCP A )Tj /T1_1 1 Tf 10.26 0 0 10.26 74.16 144.72 Tm (15 U, )Tj /T1_0 1 Tf 10.62 0 0 10.62 107.04 144.72 Tm (c. 9 1692g\(a\), in violation of )Tj /T1_1 1 Tf 11.14 0 0 11.14 240.48 145.2 Tm (Section 809\(a\) of the FDCPA)Tj 11.42 0 0 11.42 373.92 144.96 Tm (, 15 US' )Tj /T1_2 1 Tf 7.51 0 0 7.51 413.28 144.96 Tm (c. g 1692g\(a\). )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 9.02 0 0 9.02 245.04 79.68 Tm (Complaint - Page 6 of 12 )Tj ET EMC endstream endobj 1016 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /P <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 110.64 736.32 Tm (Case 4:06-cv-)Tj 9.89 0 0 9.89 180.96 736.32 Tm (021 02 )Tj 11.03 0 0 11.03 228.48 736.56 Tm (Document 1-)Tj 11.08 0 0 11.08 314.88 736.56 Tm (Filed 06/22/2006 )Tj 11 0 0 11 414.72 736.56 Tm (Page 6 of 12 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 9.79 0 0 9.79 110.88 686.64 Tm (17. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.23 0 0 11.23 143.52 686.64 Tm (The term ")Tj 10.79 0 0 10.79 192 686.88 Tm (consumer,)Tj 11.17 0 0 11.17 237.6 687.12 Tm (" as used in this Complaint, means any natural person )Tj 11.12 0 0 11.12 75.84 660.24 Tm (obligated or allegedly obligated to pay any debt)Tj 11.21 0 0 11.21 288.48 660.48 Tm (, as ")Tj 11.01 0 0 11.01 311.04 660.48 Tm (debt)Tj 11.16 0 0 11.16 330.24 660.48 Tm (" is defined in Section 803\(5\) of the )Tj 11.24 0 0 11.24 75.6 633.36 Tm (FDCPA)Tj /T1_0 1 Tf 9.87 0 0 9.87 112.56 633.36 Tm (, 15 U.S.)Tj /T1_2 1 Tf 7.54 0 0 7.54 151.92 633.36 Tm (C. 9 1692a\(5\). )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.9 0 0 11.9 117.84 606 Tm (VIOLATIONS OF THE FAIR DEBT COLLECTION PRACTICES ACT\001)Tj 11.74 0 0 11.74 270.48 579.36 Tm (COUNT I\001)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 9.79 0 0 9.79 110.16 552 Tm (18. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.19 0 0 11.19 142.8 552 Tm (On numerous occasions, in connection with the collection of debts)Tj /T1_0 1 Tf 9.61 0 0 9.61 441.36 552 Tm (, Defendants )Tj /T1_1 1 Tf 10.72 0 0 10.72 75.12 524.4 Tm (have used .false)Tj /T1_0 1 Tf 9.83 0 0 9.83 144.24 524.4 Tm (, deceptive)Tj /T1_1 1 Tf 11.08 0 0 11.08 192.72 524.64 Tm (, or misleading representations or means)Tj /T1_0 1 Tf 10.21 0 0 10.21 372.72 524.64 Tm (, in violation- of Section 807 of )Tj /T1_1 1 Tf 11.14 0 0 11.14 75.12 497.04 Tm (the FDCPA)Tj 11.71 0 0 11.71 128.16 497.04 Tm (, 15 US.)Tj 5 0 0 5 167.52 497.04 Tm (C. )Tj 11.09 0 0 11.09 189.84 497.04 Tm (1692e, including, but not limited to, the following: )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.9 0 0 9.9 175.92 469.92 Tm (falsely. representing the character, amount, or legal status of debts, i\ n )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.99 0 0 10.99 175.92 443.04 Tm (violation of Section 807\(2\)\(A\) of the FDCP )Tj 11.76 0 0 11.76 371.04 442.8 Tm (A, 15 US.)Tj 5 0 0 5 419.28 442.8 Tm (C. )Tj 10.69 0 0 10.69 441.6 442.8 Tm (1692e\(2\)\(A\); )Tj /T1_0 1 Tf 10.19 0 0 10.19 175.68 416.4 Tm (theatening to take actions that cannot legally be taken or that )Tj /T1_1 1 Tf 10.74 0 0 10.74 453.36 416.4 Tm (are not )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 9.7 0 0 9.7 171.12 389.76 Tm (-)Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 9.7 0 0 9.7 176.99 389.76 Tm (intended to be taken)Tj /T1_1 1 Tf 11 0 0 11 265.92 390 Tm (, in violation of Section 807\(5\) of the FDCP A)Tj 10.24 0 0 10.24 471.36 389.76 Tm (, 15 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 5 0 0 5 195.36 363.12 Tm (C. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.06 0 0 11.06 217.2 363.12 Tm (1692e\(5\); or )Tj 11.14 0 0 11.14 175.2 336 Tm (using false representations or deceptive means to collect or attempt to \ )Tj 10.73 0 0 10.73 174.96 308.64 Tm (collect-)Tj 11.14 0 0 11.14 207.6 308.88 Tm (debts or to obtain information concerning a consumer, in violation )Tj /T1_0 1 Tf 10.26 0 0 10.26 174.96 281.04 Tm (of Section 807\(10\) of the FDCPA, 15 U. )Tj /T1_2 1 Tf 6.72 0 0 6.72 365.04 281.04 Tm (c. g )Tj /T1_1 1 Tf 11.75 0 0 11.75 385.2 280.56 Tm (J692e\(10\). )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 13.6 0 0 13.6 266.4 253.68 Tm (COUN II )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 9.99 0 0 9.99 108.24 226.8 Tm (19. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.08 0 0 11.08 141.12 226.8 Tm (On numerous occasions)Tj 11.18 0 0 11.18 247.68 227.28 Tm (, in connection with the collection of debts)Tj /T1_0 1 Tf 9.61 0 0 9.61 439.2 226.8 Tm (, Defendants )Tj /T1_1 1 Tf 11.16 0 0 11.16 73.44 198.96 Tm (have engaged in activities that contradicted)Tj /T1_0 1 Tf 9.71 0 0 9.71 267.12 199.68 Tm (, obscured)Tj /T1_1 1 Tf 11.11 0 0 11.11 313.2 199.44 Tm (, or overshadowed the notification of )Tj /T1_0 1 Tf 10.13 0 0 10.13 73.2 171.6 Tm (consumer rights contained in the validation notice required by Section 8\ 09\(a\) of the FDCP A )Tj /T1_1 1 Tf 10.26 0 0 10.26 74.16 144.72 Tm (15 U, )Tj /T1_0 1 Tf 10.62 0 0 10.62 107.04 144.72 Tm (c. 9 1692g\(a\), in violation of )Tj /T1_1 1 Tf 11.14 0 0 11.14 240.48 145.2 Tm (Section 809\(a\) of the FDCPA)Tj 11.42 0 0 11.42 373.92 144.96 Tm (, 15 US' )Tj /T1_2 1 Tf 7.51 0 0 7.51 413.28 144.96 Tm (c. g 1692g\(a\). )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 9.02 0 0 9.02 245.04 79.68 Tm (Complaint - Page 6 of 12 )Tj ET EMC endstream endobj 1017 0 obj<> endobj 1018 0 obj<> endobj 1019 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /P <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 110.64 736.32 Tm (Case 4:06-cv-)Tj 9.89 0 0 9.89 180.96 736.32 Tm (021 02 )Tj 11.03 0 0 11.03 228.48 736.56 Tm (Document 1-)Tj 11.08 0 0 11.08 314.88 736.56 Tm (Filed 06/22/2006 )Tj 11 0 0 11 414.72 736.56 Tm (Page 7 of 12 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 5 0 0 5 267.84 686.16 Tm (COUNT )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.49 0 0 12.49 310.8 686.16 Tm (III )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 9.99 0 0 9.99 110.64 659.04 Tm (20. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.16 0 0 11.16 143.76 659.04 Tm (On numerous occasions)Tj 11.15 0 0 11.15 251.28 658.8 Tm (, in connection with the collection of debts, Defendants )Tj 11.18 0 0 11.18 77.52 631.92 Tm (have communicated with a consumer, without the consumer )Tj 11.1 0 0 11.1 350.16 631.68 Tm (s prior consent given directly to the )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 5 0 0 5 77.76 605.28 Tm (debt collector or the express \001)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.38 0 0 12.38 205.92 605.28 Tm (perm)Tj 11.11 0 0 11.11 232.32 605.28 Tm (ssion of a court of competent jurisdiction)Tj 11.12 0 0 11.12 415.68 605.28 Tm (, at times or places )Tj 11.15 0 0 11.15 77.52 578.16 Tm (that Defendants knew or should have known to be inconvenient to the cons\ umer)Tj 11.18 0 0 11.18 435.6 578.4 Tm (, including, but )Tj 11.17 0 0 11.17 77.28 551.04 Tm (not limited to, communicating with the consumer at the consumer )Tj 11.09 0 0 11.09 375.12 551.04 Tm (s place of employment when )Tj /T1_0 1 Tf 8.98 0 0 8.98 77.04 523.92 Tm (the: debt )Tj /T1_1 1 Tf 11.19 0 0 11.19 114.48 523.92 Tm (collector knew or should have known that it is inconvenient for the cons\ umer to receive )Tj 11.31 0 0 11.31 77.28 496.56 Tm (such communkations)Tj 11.3 0 0 11.3 173.76 496.8 Tm (, in violation of Section 805\(a\)\(1\) of the FDCPA)Tj /T1_0 1 Tf 9.86 0 0 9.86 394.32 497.04 Tm (, 15 D. )Tj /T1_1 1 Tf 10.92 0 0 10.92 455.76 497.04 Tm (1692c\(a\)\(1\).)Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 5 0 0 5 433.2 496.8 Tm (C. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.86 0 0 11.86 170.16 468.96 Tm (VIOLATIONS OF SECTION 5 OF THE FTC ACT )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.18 0 0 10.18 109.68 442.32 Tm (21.\001)Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 10.29 0 0 10.29 142.8 442.32 Tm (Section 5\(a\) of the FTC Act, 15 U. )Tj /T1_1 1 Tf 11.12 0 0 11.12 326.64 442.32 Tm (45\(a\), prohibits ")Tj 11.16 0 0 11.16 402.72 442.56 Tm (unfair or deceptive acts)Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 5 0 0 5 307.68 442.32 Tm (C. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.04 0 0 11.04 76.56 415.2 Tm (or practices in or affecting commerce. )Tj 11.62 0 0 11.62 266.4 388.32 Tm (COUNT IV )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.18 0 0 10.18 109.2 361.68 Tm (22. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.16 0 0 11.16 142.08 361.92 Tm (In numerous instances, in connection with the collection of debts)Tj /T1_0 1 Tf 9.82 0 0 9.82 433.44 361.92 Tm (, Defendants )Tj /T1_1 1 Tf 11.09 0 0 11.09 76.32 334.8 Tm (have made the following representations)Tj 11.08 0 0 11.08 256.8 335.04 Tm (, expressly or by implication)Tj /T1_0 1 Tf 9.97 0 0 9.97 384.24 335.04 Tm (, regarding the character or )Tj /T1_1 1 Tf 10.87 0 0 10.87 76.56 307.68 Tm (legal status of a debt: )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.59 0 0 10.59 142.08 280.56 Tm (\(a\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.11 0 0 11.11 175.92 280.56 Tm (legal proceedings to collect the debt have already been instituted; )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.5 0 0 10.5 142.08 251.52 Tm (\(b\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.2 0 0 11.2 175.68 253.44 Tm (there is no time limitation on )Tj /T1_2 1 Tf 6.99 0 0 6.99 308.16 253.2 Tm (fiing a lawsuit to collect the )Tj /T1_1 1 Tf 11.24 0 0 11.24 438.24 253.44 Tm (debt; and )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.59 0 0 10.59 142.08 225.84 Tm (\(c\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.18 0 0 11.18 175.44 225.84 Tm (Defendants possess documentation establishing that the debt is a valid )Tj 11.05 0 0 11.05 175.68 198.48 Tm (debt of the consumer. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 108.24 170.64 Tm (23.\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.11 0 0 11.11 141.6 170.88 Tm (In truth and in fact, )Tj 8.014 0.022 Td (in numerous of these instances: )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.38 0 0 10.38 141.84 143.52 Tm (\(a\) )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.12 0 0 11.12 175.2 143.52 Tm (legal proceedings to collect the debt had not been instituted; )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.71 0 0 10.71 141.6 115.92 Tm (\(b\) )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.2 0 0 11.2 174.96 116.16 Tm (there is a time limitation on )Tj /T1_2 1 Tf 6.99 0 0 6.99 301.2 116.16 Tm (filng a lawsuit to collect the )Tj /T1_1 1 Tf 11.18 0 0 11.18 431.28 116.16 Tm (debt; and )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 9.02 0 0 9.02 246.96 78.72 Tm (Complaint - Page 7 of 12 )Tj ET EMC endstream endobj 1020 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /P <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 110.64 736.32 Tm (Case 4:06-cv-)Tj 9.89 0 0 9.89 180.96 736.32 Tm (021 02 )Tj 11.03 0 0 11.03 228.48 736.56 Tm (Document 1-)Tj 11.08 0 0 11.08 314.88 736.56 Tm (Filed 06/22/2006 )Tj 11 0 0 11 414.72 736.56 Tm (Page 7 of 12 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 5 0 0 5 267.84 686.16 Tm (COUNT )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.49 0 0 12.49 310.8 686.16 Tm (III )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 9.99 0 0 9.99 110.64 659.04 Tm (20. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.16 0 0 11.16 143.76 659.04 Tm (On numerous occasions)Tj 11.15 0 0 11.15 251.28 658.8 Tm (, in connection with the collection of debts, Defendants )Tj 11.18 0 0 11.18 77.52 631.92 Tm (have communicated with a consumer, without the consumer )Tj 11.1 0 0 11.1 350.16 631.68 Tm (s prior consent given directly to the )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 5 0 0 5 77.76 605.28 Tm (debt collector or the express \001)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.38 0 0 12.38 205.92 605.28 Tm (perm)Tj 11.11 0 0 11.11 232.32 605.28 Tm (ssion of a court of competent jurisdiction)Tj 11.12 0 0 11.12 415.68 605.28 Tm (, at times or places )Tj 11.15 0 0 11.15 77.52 578.16 Tm (that Defendants knew or should have known to be inconvenient to the cons\ umer)Tj 11.18 0 0 11.18 435.6 578.4 Tm (, including, but )Tj 11.17 0 0 11.17 77.28 551.04 Tm (not limited to, communicating with the consumer at the consumer )Tj 11.09 0 0 11.09 375.12 551.04 Tm (s place of employment when )Tj /T1_0 1 Tf 8.98 0 0 8.98 77.04 523.92 Tm (the: debt )Tj /T1_1 1 Tf 11.19 0 0 11.19 114.48 523.92 Tm (collector knew or should have known that it is inconvenient for the cons\ umer to receive )Tj 11.31 0 0 11.31 77.28 496.56 Tm (such communkations)Tj 11.3 0 0 11.3 173.76 496.8 Tm (, in violation of Section 805\(a\)\(1\) of the FDCPA)Tj /T1_0 1 Tf 9.86 0 0 9.86 394.32 497.04 Tm (, 15 D. )Tj /T1_1 1 Tf 10.92 0 0 10.92 455.76 497.04 Tm (1692c\(a\)\(1\).)Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 5 0 0 5 433.2 496.8 Tm (C. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.86 0 0 11.86 170.16 468.96 Tm (VIOLATIONS OF SECTION 5 OF THE FTC ACT )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.18 0 0 10.18 109.68 442.32 Tm (21.\001)Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 10.29 0 0 10.29 142.8 442.32 Tm (Section 5\(a\) of the FTC Act, 15 U. )Tj /T1_1 1 Tf 11.12 0 0 11.12 326.64 442.32 Tm (45\(a\), prohibits ")Tj 11.16 0 0 11.16 402.72 442.56 Tm (unfair or deceptive acts)Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 5 0 0 5 307.68 442.32 Tm (C. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.04 0 0 11.04 76.56 415.2 Tm (or practices in or affecting commerce. )Tj 11.62 0 0 11.62 266.4 388.32 Tm (COUNT IV )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.18 0 0 10.18 109.2 361.68 Tm (22. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.16 0 0 11.16 142.08 361.92 Tm (In numerous instances, in connection with the collection of debts)Tj /T1_0 1 Tf 9.82 0 0 9.82 433.44 361.92 Tm (, Defendants )Tj /T1_1 1 Tf 11.09 0 0 11.09 76.32 334.8 Tm (have made the following representations)Tj 11.08 0 0 11.08 256.8 335.04 Tm (, expressly or by implication)Tj /T1_0 1 Tf 9.97 0 0 9.97 384.24 335.04 Tm (, regarding the character or )Tj /T1_1 1 Tf 10.87 0 0 10.87 76.56 307.68 Tm (legal status of a debt: )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.59 0 0 10.59 142.08 280.56 Tm (\(a\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.11 0 0 11.11 175.92 280.56 Tm (legal proceedings to collect the debt have already been instituted; )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.5 0 0 10.5 142.08 251.52 Tm (\(b\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.2 0 0 11.2 175.68 253.44 Tm (there is no time limitation on )Tj /T1_2 1 Tf 6.99 0 0 6.99 308.16 253.2 Tm (fiing a lawsuit to collect the )Tj /T1_1 1 Tf 11.24 0 0 11.24 438.24 253.44 Tm (debt; and )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.59 0 0 10.59 142.08 225.84 Tm (\(c\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.18 0 0 11.18 175.44 225.84 Tm (Defendants possess documentation establishing that the debt is a valid )Tj 11.05 0 0 11.05 175.68 198.48 Tm (debt of the consumer. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 108.24 170.64 Tm (23.\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.11 0 0 11.11 141.6 170.88 Tm (In truth and in fact, )Tj 8.014 0.022 Td (in numerous of these instances: )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.38 0 0 10.38 141.84 143.52 Tm (\(a\) )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.12 0 0 11.12 175.2 143.52 Tm (legal proceedings to collect the debt had not been instituted; )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.71 0 0 10.71 141.6 115.92 Tm (\(b\) )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.2 0 0 11.2 174.96 116.16 Tm (there is a time limitation on )Tj /T1_2 1 Tf 6.99 0 0 6.99 301.2 116.16 Tm (filng a lawsuit to collect the )Tj /T1_1 1 Tf 11.18 0 0 11.18 431.28 116.16 Tm (debt; and )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 9.02 0 0 9.02 246.96 78.72 Tm (Complaint - Page 7 of 12 )Tj ET EMC endstream endobj 1021 0 obj<> endobj 1022 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /P <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 110.64 736.32 Tm (Case 4:06-cv-)Tj 9.89 0 0 9.89 180.96 736.32 Tm (021 02 )Tj 11.03 0 0 11.03 228.48 736.56 Tm (Document 1-)Tj 11.08 0 0 11.08 314.88 736.56 Tm (Filed 06/22/2006 )Tj 11 0 0 11 414.72 736.56 Tm (Page 7 of 12 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 5 0 0 5 267.84 686.16 Tm (COUNT )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.49 0 0 12.49 310.8 686.16 Tm (III )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 9.99 0 0 9.99 110.64 659.04 Tm (20. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.16 0 0 11.16 143.76 659.04 Tm (On numerous occasions)Tj 11.15 0 0 11.15 251.28 658.8 Tm (, in connection with the collection of debts, Defendants )Tj 11.18 0 0 11.18 77.52 631.92 Tm (have communicated with a consumer, without the consumer )Tj 11.1 0 0 11.1 350.16 631.68 Tm (s prior consent given directly to the )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 5 0 0 5 77.76 605.28 Tm (debt collector or the express \001)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.38 0 0 12.38 205.92 605.28 Tm (perm)Tj 11.11 0 0 11.11 232.32 605.28 Tm (ssion of a court of competent jurisdiction)Tj 11.12 0 0 11.12 415.68 605.28 Tm (, at times or places )Tj 11.15 0 0 11.15 77.52 578.16 Tm (that Defendants knew or should have known to be inconvenient to the cons\ umer)Tj 11.18 0 0 11.18 435.6 578.4 Tm (, including, but )Tj 11.17 0 0 11.17 77.28 551.04 Tm (not limited to, communicating with the consumer at the consumer )Tj 11.09 0 0 11.09 375.12 551.04 Tm (s place of employment when )Tj /T1_0 1 Tf 8.98 0 0 8.98 77.04 523.92 Tm (the: debt )Tj /T1_1 1 Tf 11.19 0 0 11.19 114.48 523.92 Tm (collector knew or should have known that it is inconvenient for the cons\ umer to receive )Tj 11.31 0 0 11.31 77.28 496.56 Tm (such communkations)Tj 11.3 0 0 11.3 173.76 496.8 Tm (, in violation of Section 805\(a\)\(1\) of the FDCPA)Tj /T1_0 1 Tf 9.86 0 0 9.86 394.32 497.04 Tm (, 15 D. )Tj /T1_1 1 Tf 10.92 0 0 10.92 455.76 497.04 Tm (1692c\(a\)\(1\).)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 5 0 0 5 433.2 496.8 Tm (C. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.86 0 0 11.86 170.16 468.96 Tm (VIOLATIONS OF SECTION 5 OF THE FTC ACT )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.18 0 0 10.18 109.68 442.32 Tm (21.\001)Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 10.29 0 0 10.29 142.8 442.32 Tm (Section 5\(a\) of the FTC Act, 15 U. )Tj /T1_1 1 Tf 11.12 0 0 11.12 326.64 442.32 Tm (45\(a\), prohibits ")Tj 11.16 0 0 11.16 402.72 442.56 Tm (unfair or deceptive acts)Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 5 0 0 5 307.68 442.32 Tm (C. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.04 0 0 11.04 76.56 415.2 Tm (or practices in or affecting commerce. )Tj 11.62 0 0 11.62 266.4 388.32 Tm (COUNT IV )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.18 0 0 10.18 109.2 361.68 Tm (22. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.16 0 0 11.16 142.08 361.92 Tm (In numerous instances, in connection with the collection of debts)Tj /T1_0 1 Tf 9.82 0 0 9.82 433.44 361.92 Tm (, Defendants )Tj /T1_1 1 Tf 11.09 0 0 11.09 76.32 334.8 Tm (have made the following representations)Tj 11.08 0 0 11.08 256.8 335.04 Tm (, expressly or by implication)Tj /T1_0 1 Tf 9.97 0 0 9.97 384.24 335.04 Tm (, regarding the character or )Tj /T1_1 1 Tf 10.87 0 0 10.87 76.56 307.68 Tm (legal status of a debt: )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.59 0 0 10.59 142.08 280.56 Tm (\(a\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.11 0 0 11.11 175.92 280.56 Tm (legal proceedings to collect the debt have already been instituted; )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.5 0 0 10.5 142.08 251.52 Tm (\(b\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.2 0 0 11.2 175.68 253.44 Tm (there is no time limitation on )Tj /T1_2 1 Tf 6.99 0 0 6.99 308.16 253.2 Tm (fiing a lawsuit to collect the )Tj /T1_1 1 Tf 11.24 0 0 11.24 438.24 253.44 Tm (debt; and )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.59 0 0 10.59 142.08 225.84 Tm (\(c\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.18 0 0 11.18 175.44 225.84 Tm (Defendants possess documentation establishing that the debt is a valid )Tj 11.05 0 0 11.05 175.68 198.48 Tm (debt of the consumer. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 108.24 170.64 Tm (23.\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.11 0 0 11.11 141.6 170.88 Tm (In truth and in fact, )Tj 8.014 0.022 Td (in numerous of these instances: )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.38 0 0 10.38 141.84 143.52 Tm (\(a\) )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.12 0 0 11.12 175.2 143.52 Tm (legal proceedings to collect the debt had not been instituted; )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.71 0 0 10.71 141.6 115.92 Tm (\(b\) )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.2 0 0 11.2 174.96 116.16 Tm (there is a time limitation on )Tj /T1_2 1 Tf 6.99 0 0 6.99 301.2 116.16 Tm (filng a lawsuit to collect the )Tj /T1_1 1 Tf 11.18 0 0 11.18 431.28 116.16 Tm (debt; and )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 9.02 0 0 9.02 246.96 78.72 Tm (Complaint - Page 7 of 12 )Tj ET EMC endstream endobj 1023 0 obj<> endobj 1024 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /P <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 110.64 736.32 Tm (Case 4:06-cv-)Tj 9.89 0 0 9.89 180.96 736.32 Tm (021 02 )Tj 11.03 0 0 11.03 228.48 736.56 Tm (Document 1-)Tj 11.08 0 0 11.08 314.88 736.56 Tm (Filed 06/22/2006 )Tj 11 0 0 11 414.72 736.56 Tm (Page 7 of 12 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 5 0 0 5 267.84 686.16 Tm (COUNT )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.49 0 0 12.49 310.8 686.16 Tm (III )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 9.99 0 0 9.99 110.64 659.04 Tm (20. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.16 0 0 11.16 143.76 659.04 Tm (On numerous occasions)Tj 11.15 0 0 11.15 251.28 658.8 Tm (, in connection with the collection of debts, Defendants )Tj 11.18 0 0 11.18 77.52 631.92 Tm (have communicated with a consumer, without the consumer )Tj 11.1 0 0 11.1 350.16 631.68 Tm (s prior consent given directly to the )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 5 0 0 5 77.76 605.28 Tm (debt collector or the express \001)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.38 0 0 12.38 205.92 605.28 Tm (perm)Tj 11.11 0 0 11.11 232.32 605.28 Tm (ssion of a court of competent jurisdiction)Tj 11.12 0 0 11.12 415.68 605.28 Tm (, at times or places )Tj 11.15 0 0 11.15 77.52 578.16 Tm (that Defendants knew or should have known to be inconvenient to the cons\ umer)Tj 11.18 0 0 11.18 435.6 578.4 Tm (, including, but )Tj 11.17 0 0 11.17 77.28 551.04 Tm (not limited to, communicating with the consumer at the consumer )Tj 11.09 0 0 11.09 375.12 551.04 Tm (s place of employment when )Tj /T1_0 1 Tf 8.98 0 0 8.98 77.04 523.92 Tm (the: debt )Tj /T1_1 1 Tf 11.19 0 0 11.19 114.48 523.92 Tm (collector knew or should have known that it is inconvenient for the cons\ umer to receive )Tj 11.31 0 0 11.31 77.28 496.56 Tm (such communkations)Tj 11.3 0 0 11.3 173.76 496.8 Tm (, in violation of Section 805\(a\)\(1\) of the FDCPA)Tj /T1_0 1 Tf 9.86 0 0 9.86 394.32 497.04 Tm (, 15 D. )Tj /T1_1 1 Tf 10.92 0 0 10.92 455.76 497.04 Tm (1692c\(a\)\(1\).)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 5 0 0 5 433.2 496.8 Tm (C. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.86 0 0 11.86 170.16 468.96 Tm (VIOLATIONS OF SECTION 5 OF THE FTC ACT )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.18 0 0 10.18 109.68 442.32 Tm (21.\001)Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 10.29 0 0 10.29 142.8 442.32 Tm (Section 5\(a\) of the FTC Act, 15 U. )Tj /T1_1 1 Tf 11.12 0 0 11.12 326.64 442.32 Tm (45\(a\), prohibits ")Tj 11.16 0 0 11.16 402.72 442.56 Tm (unfair or deceptive acts)Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 5 0 0 5 307.68 442.32 Tm (C. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.04 0 0 11.04 76.56 415.2 Tm (or practices in or affecting commerce. )Tj 11.62 0 0 11.62 266.4 388.32 Tm (COUNT IV )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.18 0 0 10.18 109.2 361.68 Tm (22. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.16 0 0 11.16 142.08 361.92 Tm (In numerous instances, in connection with the collection of debts)Tj /T1_0 1 Tf 9.82 0 0 9.82 433.44 361.92 Tm (, Defendants )Tj /T1_1 1 Tf 11.09 0 0 11.09 76.32 334.8 Tm (have made the following representations)Tj 11.08 0 0 11.08 256.8 335.04 Tm (, expressly or by implication)Tj /T1_0 1 Tf 9.97 0 0 9.97 384.24 335.04 Tm (, regarding the character or )Tj /T1_1 1 Tf 10.87 0 0 10.87 76.56 307.68 Tm (legal status of a debt: )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.59 0 0 10.59 142.08 280.56 Tm (\(a\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.11 0 0 11.11 175.92 280.56 Tm (legal proceedings to collect the debt have already been instituted; )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.5 0 0 10.5 142.08 251.52 Tm (\(b\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.2 0 0 11.2 175.68 253.44 Tm (there is no time limitation on )Tj /T1_2 1 Tf 6.99 0 0 6.99 308.16 253.2 Tm (fiing a lawsuit to collect the )Tj /T1_1 1 Tf 11.24 0 0 11.24 438.24 253.44 Tm (debt; and )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.59 0 0 10.59 142.08 225.84 Tm (\(c\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.18 0 0 11.18 175.44 225.84 Tm (Defendants possess documentation establishing that the debt is a valid )Tj 11.05 0 0 11.05 175.68 198.48 Tm (debt of the consumer. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 108.24 170.64 Tm (23.\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.11 0 0 11.11 141.6 170.88 Tm (In truth and in fact, )Tj 8.014 0.022 Td (in numerous of these instances: )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.38 0 0 10.38 141.84 143.52 Tm (\(a\) )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.12 0 0 11.12 175.2 143.52 Tm (legal proceedings to collect the debt had not been instituted; )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.71 0 0 10.71 141.6 115.92 Tm (\(b\) )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.2 0 0 11.2 174.96 116.16 Tm (there is a time limitation on )Tj /T1_2 1 Tf 6.99 0 0 6.99 301.2 116.16 Tm (filng a lawsuit to collect the )Tj /T1_1 1 Tf 11.18 0 0 11.18 431.28 116.16 Tm (debt; and )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 9.02 0 0 9.02 246.96 78.72 Tm (Complaint - Page 7 of 12 )Tj ET EMC endstream endobj 1025 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /P <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 110.64 736.32 Tm (Case 4:06-cv-)Tj 9.89 0 0 9.89 180.96 736.32 Tm (021 02 )Tj 11.03 0 0 11.03 228.48 736.56 Tm (Document 1-)Tj 11.08 0 0 11.08 314.88 736.56 Tm (Filed 06/22/2006 )Tj 11 0 0 11 414.72 736.56 Tm (Page 7 of 12 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 5 0 0 5 267.84 686.16 Tm (COUNT )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.49 0 0 12.49 310.8 686.16 Tm (III )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 9.99 0 0 9.99 110.64 659.04 Tm (20. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.16 0 0 11.16 143.76 659.04 Tm (On numerous occasions)Tj 11.15 0 0 11.15 251.28 658.8 Tm (, in connection with the collection of debts, Defendants )Tj 11.18 0 0 11.18 77.52 631.92 Tm (have communicated with a consumer, without the consumer )Tj 11.1 0 0 11.1 350.16 631.68 Tm (s prior consent given directly to the )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 5 0 0 5 77.76 605.28 Tm (debt collector or the express \001)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.38 0 0 12.38 205.92 605.28 Tm (perm)Tj 11.11 0 0 11.11 232.32 605.28 Tm (ssion of a court of competent jurisdiction)Tj 11.12 0 0 11.12 415.68 605.28 Tm (, at times or places )Tj 11.15 0 0 11.15 77.52 578.16 Tm (that Defendants knew or should have known to be inconvenient to the cons\ umer)Tj 11.18 0 0 11.18 435.6 578.4 Tm (, including, but )Tj 11.17 0 0 11.17 77.28 551.04 Tm (not limited to, communicating with the consumer at the consumer )Tj 11.09 0 0 11.09 375.12 551.04 Tm (s place of employment when )Tj /T1_0 1 Tf 8.98 0 0 8.98 77.04 523.92 Tm (the: debt )Tj /T1_1 1 Tf 11.19 0 0 11.19 114.48 523.92 Tm (collector knew or should have known that it is inconvenient for the cons\ umer to receive )Tj 11.31 0 0 11.31 77.28 496.56 Tm (such communkations)Tj 11.3 0 0 11.3 173.76 496.8 Tm (, in violation of Section 805\(a\)\(1\) of the FDCPA)Tj /T1_0 1 Tf 9.86 0 0 9.86 394.32 497.04 Tm (, 15 D. )Tj /T1_1 1 Tf 10.92 0 0 10.92 455.76 497.04 Tm (1692c\(a\)\(1\).)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 5 0 0 5 433.2 496.8 Tm (C. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.86 0 0 11.86 170.16 468.96 Tm (VIOLATIONS OF SECTION 5 OF THE FTC ACT )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.18 0 0 10.18 109.68 442.32 Tm (21.\001)Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.29 0 0 10.29 142.8 442.32 Tm (Section 5\(a\) of the FTC Act, 15 U. )Tj /T1_1 1 Tf 11.12 0 0 11.12 326.64 442.32 Tm (45\(a\), prohibits ")Tj 11.16 0 0 11.16 402.72 442.56 Tm (unfair or deceptive acts)Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 5 0 0 5 307.68 442.32 Tm (C. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.04 0 0 11.04 76.56 415.2 Tm (or practices in or affecting commerce. )Tj 11.62 0 0 11.62 266.4 388.32 Tm (COUNT IV )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.18 0 0 10.18 109.2 361.68 Tm (22. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.16 0 0 11.16 142.08 361.92 Tm (In numerous instances, in connection with the collection of debts)Tj /T1_0 1 Tf 9.82 0 0 9.82 433.44 361.92 Tm (, Defendants )Tj /T1_1 1 Tf 11.09 0 0 11.09 76.32 334.8 Tm (have made the following representations)Tj 11.08 0 0 11.08 256.8 335.04 Tm (, expressly or by implication)Tj /T1_0 1 Tf 9.97 0 0 9.97 384.24 335.04 Tm (, regarding the character or )Tj /T1_1 1 Tf 10.87 0 0 10.87 76.56 307.68 Tm (legal status of a debt: )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.59 0 0 10.59 142.08 280.56 Tm (\(a\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.11 0 0 11.11 175.92 280.56 Tm (legal proceedings to collect the debt have already been instituted; )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.5 0 0 10.5 142.08 251.52 Tm (\(b\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.2 0 0 11.2 175.68 253.44 Tm (there is no time limitation on )Tj /T1_2 1 Tf 6.99 0 0 6.99 308.16 253.2 Tm (fiing a lawsuit to collect the )Tj /T1_1 1 Tf 11.24 0 0 11.24 438.24 253.44 Tm (debt; and )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.59 0 0 10.59 142.08 225.84 Tm (\(c\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.18 0 0 11.18 175.44 225.84 Tm (Defendants possess documentation establishing that the debt is a valid )Tj 11.05 0 0 11.05 175.68 198.48 Tm (debt of the consumer. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 108.24 170.64 Tm (23.\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.11 0 0 11.11 141.6 170.88 Tm (In truth and in fact, )Tj 8.014 0.022 Td (in numerous of these instances: )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.38 0 0 10.38 141.84 143.52 Tm (\(a\) )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.12 0 0 11.12 175.2 143.52 Tm (legal proceedings to collect the debt had not been instituted; )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.71 0 0 10.71 141.6 115.92 Tm (\(b\) )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.2 0 0 11.2 174.96 116.16 Tm (there is a time limitation on )Tj /T1_2 1 Tf 6.99 0 0 6.99 301.2 116.16 Tm (filng a lawsuit to collect the )Tj /T1_1 1 Tf 11.18 0 0 11.18 431.28 116.16 Tm (debt; and )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 9.02 0 0 9.02 246.96 78.72 Tm (Complaint - Page 7 of 12 )Tj ET EMC endstream endobj 1026 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /P <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 110.64 736.32 Tm (Case 4:06-cv-)Tj 9.89 0 0 9.89 180.96 736.32 Tm (021 02 )Tj 11.03 0 0 11.03 228.48 736.56 Tm (Document 1-)Tj 11.08 0 0 11.08 314.88 736.56 Tm (Filed 06/22/2006 )Tj 11 0 0 11 414.72 736.56 Tm (Page 7 of 12 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 5 0 0 5 267.84 686.16 Tm (COUNT )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.49 0 0 12.49 310.8 686.16 Tm (III )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 9.99 0 0 9.99 110.64 659.04 Tm (20. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.16 0 0 11.16 143.76 659.04 Tm (On numerous occasions)Tj 11.15 0 0 11.15 251.28 658.8 Tm (, in connection with the collection of debts, Defendants )Tj 11.18 0 0 11.18 77.52 631.92 Tm (have communicated with a consumer, without the consumer )Tj 11.1 0 0 11.1 350.16 631.68 Tm (s prior consent given directly to the )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 5 0 0 5 77.76 605.28 Tm (debt collector or the express \001)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.38 0 0 12.38 205.92 605.28 Tm (perm)Tj 11.11 0 0 11.11 232.32 605.28 Tm (ssion of a court of competent jurisdiction)Tj 11.12 0 0 11.12 415.68 605.28 Tm (, at times or places )Tj 11.15 0 0 11.15 77.52 578.16 Tm (that Defendants knew or should have known to be inconvenient to the cons\ umer)Tj 11.18 0 0 11.18 435.6 578.4 Tm (, including, but )Tj 11.17 0 0 11.17 77.28 551.04 Tm (not limited to, communicating with the consumer at the consumer )Tj 11.09 0 0 11.09 375.12 551.04 Tm (s place of employment when )Tj /T1_0 1 Tf 8.98 0 0 8.98 77.04 523.92 Tm (the: debt )Tj /T1_1 1 Tf 11.19 0 0 11.19 114.48 523.92 Tm (collector knew or should have known that it is inconvenient for the cons\ umer to receive )Tj 11.31 0 0 11.31 77.28 496.56 Tm (such communkations)Tj 11.3 0 0 11.3 173.76 496.8 Tm (, in violation of Section 805\(a\)\(1\) of the FDCPA)Tj /T1_0 1 Tf 9.86 0 0 9.86 394.32 497.04 Tm (, 15 D. )Tj /T1_1 1 Tf 10.92 0 0 10.92 455.76 497.04 Tm (1692c\(a\)\(1\).)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 5 0 0 5 433.2 496.8 Tm (C. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.86 0 0 11.86 170.16 468.96 Tm (VIOLATIONS OF SECTION 5 OF THE FTC ACT )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.18 0 0 10.18 109.68 442.32 Tm (21.\001)Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.29 0 0 10.29 142.8 442.32 Tm (Section 5\(a\) of the FTC Act, 15 U. )Tj /T1_1 1 Tf 11.12 0 0 11.12 326.64 442.32 Tm (45\(a\), prohibits ")Tj 11.16 0 0 11.16 402.72 442.56 Tm (unfair or deceptive acts)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 5 0 0 5 307.68 442.32 Tm (C. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.04 0 0 11.04 76.56 415.2 Tm (or practices in or affecting commerce. )Tj 11.62 0 0 11.62 266.4 388.32 Tm (COUNT IV )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.18 0 0 10.18 109.2 361.68 Tm (22. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.16 0 0 11.16 142.08 361.92 Tm (In numerous instances, in connection with the collection of debts)Tj /T1_0 1 Tf 9.82 0 0 9.82 433.44 361.92 Tm (, Defendants )Tj /T1_1 1 Tf 11.09 0 0 11.09 76.32 334.8 Tm (have made the following representations)Tj 11.08 0 0 11.08 256.8 335.04 Tm (, expressly or by implication)Tj /T1_0 1 Tf 9.97 0 0 9.97 384.24 335.04 Tm (, regarding the character or )Tj /T1_1 1 Tf 10.87 0 0 10.87 76.56 307.68 Tm (legal status of a debt: )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.59 0 0 10.59 142.08 280.56 Tm (\(a\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.11 0 0 11.11 175.92 280.56 Tm (legal proceedings to collect the debt have already been instituted; )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.5 0 0 10.5 142.08 251.52 Tm (\(b\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.2 0 0 11.2 175.68 253.44 Tm (there is no time limitation on )Tj /T1_2 1 Tf 6.99 0 0 6.99 308.16 253.2 Tm (fiing a lawsuit to collect the )Tj /T1_1 1 Tf 11.24 0 0 11.24 438.24 253.44 Tm (debt; and )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.59 0 0 10.59 142.08 225.84 Tm (\(c\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.18 0 0 11.18 175.44 225.84 Tm (Defendants possess documentation establishing that the debt is a valid )Tj 11.05 0 0 11.05 175.68 198.48 Tm (debt of the consumer. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 108.24 170.64 Tm (23.\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.11 0 0 11.11 141.6 170.88 Tm (In truth and in fact, )Tj 8.014 0.022 Td (in numerous of these instances: )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.38 0 0 10.38 141.84 143.52 Tm (\(a\) )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.12 0 0 11.12 175.2 143.52 Tm (legal proceedings to collect the debt had not been instituted; )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.71 0 0 10.71 141.6 115.92 Tm (\(b\) )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.2 0 0 11.2 174.96 116.16 Tm (there is a time limitation on )Tj /T1_2 1 Tf 6.99 0 0 6.99 301.2 116.16 Tm (filng a lawsuit to collect the )Tj /T1_1 1 Tf 11.18 0 0 11.18 431.28 116.16 Tm (debt; and )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 9.02 0 0 9.02 246.96 78.72 Tm (Complaint - Page 7 of 12 )Tj ET EMC endstream endobj 1027 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /P <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 110.64 736.32 Tm (Case 4:06-cv-)Tj 9.89 0 0 9.89 180.96 736.32 Tm (021 02 )Tj 11.03 0 0 11.03 228.48 736.56 Tm (Document 1-)Tj 11.08 0 0 11.08 314.88 736.56 Tm (Filed 06/22/2006 )Tj 11 0 0 11 414.72 736.56 Tm (Page 7 of 12 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 5 0 0 5 267.84 686.16 Tm (COUNT )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.49 0 0 12.49 310.8 686.16 Tm (III )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 9.99 0 0 9.99 110.64 659.04 Tm (20. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.16 0 0 11.16 143.76 659.04 Tm (On numerous occasions)Tj 11.15 0 0 11.15 251.28 658.8 Tm (, in connection with the collection of debts, Defendants )Tj 11.18 0 0 11.18 77.52 631.92 Tm (have communicated with a consumer, without the consumer )Tj 11.1 0 0 11.1 350.16 631.68 Tm (s prior consent given directly to the )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 5 0 0 5 77.76 605.28 Tm (debt collector or the express \001)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.38 0 0 12.38 205.92 605.28 Tm (perm)Tj 11.11 0 0 11.11 232.32 605.28 Tm (ssion of a court of competent jurisdiction)Tj 11.12 0 0 11.12 415.68 605.28 Tm (, at times or places )Tj 11.15 0 0 11.15 77.52 578.16 Tm (that Defendants knew or should have known to be inconvenient to the cons\ umer)Tj 11.18 0 0 11.18 435.6 578.4 Tm (, including, but )Tj 11.17 0 0 11.17 77.28 551.04 Tm (not limited to, communicating with the consumer at the consumer )Tj 11.09 0 0 11.09 375.12 551.04 Tm (s place of employment when )Tj /T1_0 1 Tf 8.98 0 0 8.98 77.04 523.92 Tm (the: debt )Tj /T1_1 1 Tf 11.19 0 0 11.19 114.48 523.92 Tm (collector knew or should have known that it is inconvenient for the cons\ umer to receive )Tj 11.31 0 0 11.31 77.28 496.56 Tm (such communkations)Tj 11.3 0 0 11.3 173.76 496.8 Tm (, in violation of Section 805\(a\)\(1\) of the FDCPA)Tj /T1_0 1 Tf 9.86 0 0 9.86 394.32 497.04 Tm (, 15 D. )Tj /T1_1 1 Tf 10.92 0 0 10.92 455.76 497.04 Tm (1692c\(a\)\(1\).)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 5 0 0 5 433.2 496.8 Tm (C. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.86 0 0 11.86 170.16 468.96 Tm (VIOLATIONS OF SECTION 5 OF THE FTC ACT )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.18 0 0 10.18 109.68 442.32 Tm (21.\001)Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.29 0 0 10.29 142.8 442.32 Tm (Section 5\(a\) of the FTC Act, 15 U. )Tj /T1_1 1 Tf 11.12 0 0 11.12 326.64 442.32 Tm (45\(a\), prohibits ")Tj 11.16 0 0 11.16 402.72 442.56 Tm (unfair or deceptive acts)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 5 0 0 5 307.68 442.32 Tm (C. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.04 0 0 11.04 76.56 415.2 Tm (or practices in or affecting commerce. )Tj 11.62 0 0 11.62 266.4 388.32 Tm (COUNT IV )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.18 0 0 10.18 109.2 361.68 Tm (22. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.16 0 0 11.16 142.08 361.92 Tm (In numerous instances, in connection with the collection of debts)Tj /T1_0 1 Tf 9.82 0 0 9.82 433.44 361.92 Tm (, Defendants )Tj /T1_1 1 Tf 11.09 0 0 11.09 76.32 334.8 Tm (have made the following representations)Tj 11.08 0 0 11.08 256.8 335.04 Tm (, expressly or by implication)Tj /T1_0 1 Tf 9.97 0 0 9.97 384.24 335.04 Tm (, regarding the character or )Tj /T1_1 1 Tf 10.87 0 0 10.87 76.56 307.68 Tm (legal status of a debt: )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.59 0 0 10.59 142.08 280.56 Tm (\(a\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.11 0 0 11.11 175.92 280.56 Tm (legal proceedings to collect the debt have already been instituted; )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.5 0 0 10.5 142.08 251.52 Tm (\(b\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.2 0 0 11.2 175.68 253.44 Tm (there is no time limitation on )Tj /T1_2 1 Tf 6.99 0 0 6.99 308.16 253.2 Tm (fiing a lawsuit to collect the )Tj /T1_1 1 Tf 11.24 0 0 11.24 438.24 253.44 Tm (debt; and )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.59 0 0 10.59 142.08 225.84 Tm (\(c\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.18 0 0 11.18 175.44 225.84 Tm (Defendants possess documentation establishing that the debt is a valid )Tj 11.05 0 0 11.05 175.68 198.48 Tm (debt of the consumer. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 108.24 170.64 Tm (23.\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.11 0 0 11.11 141.6 170.88 Tm (In truth and in fact, )Tj 8.014 0.022 Td (in numerous of these instances: )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.38 0 0 10.38 141.84 143.52 Tm (\(a\) )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.12 0 0 11.12 175.2 143.52 Tm (legal proceedings to collect the debt had not been instituted; )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.71 0 0 10.71 141.6 115.92 Tm (\(b\) )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.2 0 0 11.2 174.96 116.16 Tm (there is a time limitation on )Tj /T1_2 1 Tf 6.99 0 0 6.99 301.2 116.16 Tm (filng a lawsuit to collect the )Tj /T1_1 1 Tf 11.18 0 0 11.18 431.28 116.16 Tm (debt; and )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 9.02 0 0 9.02 246.96 78.72 Tm (Complaint - Page 7 of 12 )Tj ET EMC endstream endobj 1028 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /P <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 110.64 736.32 Tm (Case 4:06-cv-)Tj 9.89 0 0 9.89 180.96 736.32 Tm (021 02 )Tj 11.03 0 0 11.03 228.48 736.56 Tm (Document 1-)Tj 11.08 0 0 11.08 314.88 736.56 Tm (Filed 06/22/2006 )Tj 11 0 0 11 414.72 736.56 Tm (Page 7 of 12 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 5 0 0 5 267.84 686.16 Tm (COUNT )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.49 0 0 12.49 310.8 686.16 Tm (III )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 9.99 0 0 9.99 110.64 659.04 Tm (20. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.16 0 0 11.16 143.76 659.04 Tm (On numerous occasions)Tj 11.15 0 0 11.15 251.28 658.8 Tm (, in connection with the collection of debts, Defendants )Tj 11.18 0 0 11.18 77.52 631.92 Tm (have communicated with a consumer, without the consumer )Tj 11.1 0 0 11.1 350.16 631.68 Tm (s prior consent given directly to the )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 5 0 0 5 77.76 605.28 Tm (debt collector or the express \001)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.38 0 0 12.38 205.92 605.28 Tm (perm)Tj 11.11 0 0 11.11 232.32 605.28 Tm (ssion of a court of competent jurisdiction)Tj 11.12 0 0 11.12 415.68 605.28 Tm (, at times or places )Tj 11.15 0 0 11.15 77.52 578.16 Tm (that Defendants knew or should have known to be inconvenient to the cons\ umer)Tj 11.18 0 0 11.18 435.6 578.4 Tm (, including, but )Tj 11.17 0 0 11.17 77.28 551.04 Tm (not limited to, communicating with the consumer at the consumer )Tj 11.09 0 0 11.09 375.12 551.04 Tm (s place of employment when )Tj /T1_0 1 Tf 8.98 0 0 8.98 77.04 523.92 Tm (the: debt )Tj /T1_1 1 Tf 11.19 0 0 11.19 114.48 523.92 Tm (collector knew or should have known that it is inconvenient for the cons\ umer to receive )Tj 11.31 0 0 11.31 77.28 496.56 Tm (such communkations)Tj 11.3 0 0 11.3 173.76 496.8 Tm (, in violation of Section 805\(a\)\(1\) of the FDCPA)Tj /T1_0 1 Tf 9.86 0 0 9.86 394.32 497.04 Tm (, 15 D. )Tj /T1_1 1 Tf 10.92 0 0 10.92 455.76 497.04 Tm (1692c\(a\)\(1\).)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 5 0 0 5 433.2 496.8 Tm (C. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.86 0 0 11.86 170.16 468.96 Tm (VIOLATIONS OF SECTION 5 OF THE FTC ACT )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.18 0 0 10.18 109.68 442.32 Tm (21.\001)Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.29 0 0 10.29 142.8 442.32 Tm (Section 5\(a\) of the FTC Act, 15 U. )Tj /T1_1 1 Tf 11.12 0 0 11.12 326.64 442.32 Tm (45\(a\), prohibits ")Tj 11.16 0 0 11.16 402.72 442.56 Tm (unfair or deceptive acts)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 5 0 0 5 307.68 442.32 Tm (C. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.04 0 0 11.04 76.56 415.2 Tm (or practices in or affecting commerce. )Tj 11.62 0 0 11.62 266.4 388.32 Tm (COUNT IV )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.18 0 0 10.18 109.2 361.68 Tm (22. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.16 0 0 11.16 142.08 361.92 Tm (In numerous instances, in connection with the collection of debts)Tj /T1_0 1 Tf 9.82 0 0 9.82 433.44 361.92 Tm (, Defendants )Tj /T1_1 1 Tf 11.09 0 0 11.09 76.32 334.8 Tm (have made the following representations)Tj 11.08 0 0 11.08 256.8 335.04 Tm (, expressly or by implication)Tj /T1_0 1 Tf 9.97 0 0 9.97 384.24 335.04 Tm (, regarding the character or )Tj /T1_1 1 Tf 10.87 0 0 10.87 76.56 307.68 Tm (legal status of a debt: )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.59 0 0 10.59 142.08 280.56 Tm (\(a\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.11 0 0 11.11 175.92 280.56 Tm (legal proceedings to collect the debt have already been instituted; )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.5 0 0 10.5 142.08 251.52 Tm (\(b\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.2 0 0 11.2 175.68 253.44 Tm (there is no time limitation on )Tj /T1_2 1 Tf 6.99 0 0 6.99 308.16 253.2 Tm (fiing a lawsuit to collect the )Tj /T1_1 1 Tf 11.24 0 0 11.24 438.24 253.44 Tm (debt; and )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.59 0 0 10.59 142.08 225.84 Tm (\(c\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.18 0 0 11.18 175.44 225.84 Tm (Defendants possess documentation establishing that the debt is a valid )Tj 11.05 0 0 11.05 175.68 198.48 Tm (debt of the consumer. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 108.24 170.64 Tm (23.\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.11 0 0 11.11 141.6 170.88 Tm (In truth and in fact, )Tj 8.014 0.022 Td (in numerous of these instances: )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.38 0 0 10.38 141.84 143.52 Tm (\(a\) )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.12 0 0 11.12 175.2 143.52 Tm (legal proceedings to collect the debt had not been instituted; )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.71 0 0 10.71 141.6 115.92 Tm (\(b\) )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.2 0 0 11.2 174.96 116.16 Tm (there is a time limitation on )Tj /T1_2 1 Tf 6.99 0 0 6.99 301.2 116.16 Tm (filng a lawsuit to collect the )Tj /T1_1 1 Tf 11.18 0 0 11.18 431.28 116.16 Tm (debt; and )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 9.02 0 0 9.02 246.96 78.72 Tm (Complaint - Page 7 of 12 )Tj ET EMC endstream endobj 1029 0 obj<> endobj 1030 0 obj<> endobj 1031 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /P <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 110.64 736.32 Tm (Case 4:06-cv-)Tj 9.89 0 0 9.89 180.96 736.32 Tm (021 02 )Tj 11.03 0 0 11.03 228.48 736.56 Tm (Document 1-)Tj 11.08 0 0 11.08 314.88 736.56 Tm (Filed 06/22/2006 )Tj 11 0 0 11 414.72 736.56 Tm (Page 7 of 12 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 5 0 0 5 267.84 686.16 Tm (COUNT )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.49 0 0 12.49 310.8 686.16 Tm (III )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 9.99 0 0 9.99 110.64 659.04 Tm (20. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.16 0 0 11.16 143.76 659.04 Tm (On numerous occasions)Tj 11.15 0 0 11.15 251.28 658.8 Tm (, in connection with the collection of debts, Defendants )Tj 11.18 0 0 11.18 77.52 631.92 Tm (have communicated with a consumer, without the consumer )Tj 11.1 0 0 11.1 350.16 631.68 Tm (s prior consent given directly to the )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 5 0 0 5 77.76 605.28 Tm (debt collector or the express \001)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.38 0 0 12.38 205.92 605.28 Tm (perm)Tj 11.11 0 0 11.11 232.32 605.28 Tm (ssion of a court of competent jurisdiction)Tj 11.12 0 0 11.12 415.68 605.28 Tm (, at times or places )Tj 11.15 0 0 11.15 77.52 578.16 Tm (that Defendants knew or should have known to be inconvenient to the cons\ umer)Tj 11.18 0 0 11.18 435.6 578.4 Tm (, including, but )Tj 11.17 0 0 11.17 77.28 551.04 Tm (not limited to, communicating with the consumer at the consumer )Tj 11.09 0 0 11.09 375.12 551.04 Tm (s place of employment when )Tj /T1_0 1 Tf 8.98 0 0 8.98 77.04 523.92 Tm (the: debt )Tj /T1_1 1 Tf 11.19 0 0 11.19 114.48 523.92 Tm (collector knew or should have known that it is inconvenient for the cons\ umer to receive )Tj 11.31 0 0 11.31 77.28 496.56 Tm (such communkations)Tj 11.3 0 0 11.3 173.76 496.8 Tm (, in violation of Section 805\(a\)\(1\) of the FDCPA)Tj /T1_0 1 Tf 9.86 0 0 9.86 394.32 497.04 Tm (, 15 D. )Tj /T1_1 1 Tf 10.92 0 0 10.92 455.76 497.04 Tm (1692c\(a\)\(1\).)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 5 0 0 5 433.2 496.8 Tm (C. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.86 0 0 11.86 170.16 468.96 Tm (VIOLATIONS OF SECTION 5 OF THE FTC ACT )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.18 0 0 10.18 109.68 442.32 Tm (21.\001)Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.29 0 0 10.29 142.8 442.32 Tm (Section 5\(a\) of the FTC Act, 15 U. )Tj /T1_1 1 Tf 11.12 0 0 11.12 326.64 442.32 Tm (45\(a\), prohibits ")Tj 11.16 0 0 11.16 402.72 442.56 Tm (unfair or deceptive acts)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 5 0 0 5 307.68 442.32 Tm (C. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.04 0 0 11.04 76.56 415.2 Tm (or practices in or affecting commerce. )Tj 11.62 0 0 11.62 266.4 388.32 Tm (COUNT IV )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.18 0 0 10.18 109.2 361.68 Tm (22. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.16 0 0 11.16 142.08 361.92 Tm (In numerous instances, in connection with the collection of debts)Tj /T1_0 1 Tf 9.82 0 0 9.82 433.44 361.92 Tm (, Defendants )Tj /T1_1 1 Tf 11.09 0 0 11.09 76.32 334.8 Tm (have made the following representations)Tj 11.08 0 0 11.08 256.8 335.04 Tm (, expressly or by implication)Tj /T1_0 1 Tf 9.97 0 0 9.97 384.24 335.04 Tm (, regarding the character or )Tj /T1_1 1 Tf 10.87 0 0 10.87 76.56 307.68 Tm (legal status of a debt: )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.59 0 0 10.59 142.08 280.56 Tm (\(a\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.11 0 0 11.11 175.92 280.56 Tm (legal proceedings to collect the debt have already been instituted; )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.5 0 0 10.5 142.08 251.52 Tm (\(b\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.2 0 0 11.2 175.68 253.44 Tm (there is no time limitation on )Tj /T1_2 1 Tf 6.99 0 0 6.99 308.16 253.2 Tm (fiing a lawsuit to collect the )Tj /T1_1 1 Tf 11.24 0 0 11.24 438.24 253.44 Tm (debt; and )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.59 0 0 10.59 142.08 225.84 Tm (\(c\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.18 0 0 11.18 175.44 225.84 Tm (Defendants possess documentation establishing that the debt is a valid )Tj 11.05 0 0 11.05 175.68 198.48 Tm (debt of the consumer. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 108.24 170.64 Tm (23.\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.11 0 0 11.11 141.6 170.88 Tm (In truth and in fact, )Tj 8.014 0.022 Td (in numerous of these instances: )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.38 0 0 10.38 141.84 143.52 Tm (\(a\) )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.12 0 0 11.12 175.2 143.52 Tm (legal proceedings to collect the debt had not been instituted; )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.71 0 0 10.71 141.6 115.92 Tm (\(b\) )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.2 0 0 11.2 174.96 116.16 Tm (there is a time limitation on )Tj /T1_2 1 Tf 6.99 0 0 6.99 301.2 116.16 Tm (filng a lawsuit to collect the )Tj /T1_1 1 Tf 11.18 0 0 11.18 431.28 116.16 Tm (debt; and )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 9.02 0 0 9.02 246.96 78.72 Tm (Complaint - Page 7 of 12 )Tj ET EMC endstream endobj 1032 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /P <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 110.64 736.32 Tm (Case 4:06-cv-)Tj 9.89 0 0 9.89 180.96 736.32 Tm (021 02 )Tj 11.03 0 0 11.03 228.48 736.56 Tm (Document 1-)Tj 11.08 0 0 11.08 314.88 736.56 Tm (Filed 06/22/2006 )Tj 11 0 0 11 414.72 736.56 Tm (Page 7 of 12 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 5 0 0 5 267.84 686.16 Tm (COUNT )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.49 0 0 12.49 310.8 686.16 Tm (III )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 9.99 0 0 9.99 110.64 659.04 Tm (20. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.16 0 0 11.16 143.76 659.04 Tm (On numerous occasions)Tj 11.15 0 0 11.15 251.28 658.8 Tm (, in connection with the collection of debts, Defendants )Tj 11.18 0 0 11.18 77.52 631.92 Tm (have communicated with a consumer, without the consumer )Tj 11.1 0 0 11.1 350.16 631.68 Tm (s prior consent given directly to the )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 5 0 0 5 77.76 605.28 Tm (debt collector or the express \001)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.38 0 0 12.38 205.92 605.28 Tm (perm)Tj 11.11 0 0 11.11 232.32 605.28 Tm (ssion of a court of competent jurisdiction)Tj 11.12 0 0 11.12 415.68 605.28 Tm (, at times or places )Tj 11.15 0 0 11.15 77.52 578.16 Tm (that Defendants knew or should have known to be inconvenient to the cons\ umer)Tj 11.18 0 0 11.18 435.6 578.4 Tm (, including, but )Tj 11.17 0 0 11.17 77.28 551.04 Tm (not limited to, communicating with the consumer at the consumer )Tj 11.09 0 0 11.09 375.12 551.04 Tm (s place of employment when )Tj /T1_0 1 Tf 8.98 0 0 8.98 77.04 523.92 Tm (the: debt )Tj /T1_1 1 Tf 11.19 0 0 11.19 114.48 523.92 Tm (collector knew or should have known that it is inconvenient for the cons\ umer to receive )Tj 11.31 0 0 11.31 77.28 496.56 Tm (such communkations)Tj 11.3 0 0 11.3 173.76 496.8 Tm (, in violation of Section 805\(a\)\(1\) of the FDCPA)Tj /T1_0 1 Tf 9.86 0 0 9.86 394.32 497.04 Tm (, 15 D. )Tj /T1_1 1 Tf 10.92 0 0 10.92 455.76 497.04 Tm (1692c\(a\)\(1\).)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 5 0 0 5 433.2 496.8 Tm (C. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.86 0 0 11.86 170.16 468.96 Tm (VIOLATIONS OF SECTION 5 OF THE FTC ACT )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.18 0 0 10.18 109.68 442.32 Tm (21.\001)Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.29 0 0 10.29 142.8 442.32 Tm (Section 5\(a\) of the FTC Act, 15 U. )Tj /T1_1 1 Tf 11.12 0 0 11.12 326.64 442.32 Tm (45\(a\), prohibits ")Tj 11.16 0 0 11.16 402.72 442.56 Tm (unfair or deceptive acts)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 5 0 0 5 307.68 442.32 Tm (C. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.04 0 0 11.04 76.56 415.2 Tm (or practices in or affecting commerce. )Tj 11.62 0 0 11.62 266.4 388.32 Tm (COUNT IV )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.18 0 0 10.18 109.2 361.68 Tm (22. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.16 0 0 11.16 142.08 361.92 Tm (In numerous instances, in connection with the collection of debts)Tj /T1_0 1 Tf 9.82 0 0 9.82 433.44 361.92 Tm (, Defendants )Tj /T1_1 1 Tf 11.09 0 0 11.09 76.32 334.8 Tm (have made the following representations)Tj 11.08 0 0 11.08 256.8 335.04 Tm (, expressly or by implication)Tj /T1_0 1 Tf 9.97 0 0 9.97 384.24 335.04 Tm (, regarding the character or )Tj /T1_1 1 Tf 10.87 0 0 10.87 76.56 307.68 Tm (legal status of a debt: )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.59 0 0 10.59 142.08 280.56 Tm (\(a\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.11 0 0 11.11 175.92 280.56 Tm (legal proceedings to collect the debt have already been instituted; )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.5 0 0 10.5 142.08 251.52 Tm (\(b\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.2 0 0 11.2 175.68 253.44 Tm (there is no time limitation on )Tj /T1_2 1 Tf 6.99 0 0 6.99 308.16 253.2 Tm (fiing a lawsuit to collect the )Tj /T1_1 1 Tf 11.24 0 0 11.24 438.24 253.44 Tm (debt; and )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.59 0 0 10.59 142.08 225.84 Tm (\(c\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.18 0 0 11.18 175.44 225.84 Tm (Defendants possess documentation establishing that the debt is a valid )Tj 11.05 0 0 11.05 175.68 198.48 Tm (debt of the consumer. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 108.24 170.64 Tm (23.\001)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.11 0 0 11.11 141.6 170.88 Tm (In truth and in fact, )Tj 8.014 0.022 Td (in numerous of these instances: )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.38 0 0 10.38 141.84 143.52 Tm (\(a\) )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.12 0 0 11.12 175.2 143.52 Tm (legal proceedings to collect the debt had not been instituted; )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.71 0 0 10.71 141.6 115.92 Tm (\(b\) )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.2 0 0 11.2 174.96 116.16 Tm (there is a time limitation on )Tj /T1_2 1 Tf 6.99 0 0 6.99 301.2 116.16 Tm (filng a lawsuit to collect the )Tj /T1_1 1 Tf 11.18 0 0 11.18 431.28 116.16 Tm (debt; and )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 9.02 0 0 9.02 246.96 78.72 Tm (Complaint - Page 7 of 12 )Tj ET EMC endstream endobj 1033 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /P <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 110.64 736.32 Tm (Case 4:06-cv-)Tj 9.89 0 0 9.89 180.96 736.32 Tm (021 02 )Tj 11.03 0 0 11.03 228.48 736.56 Tm (Document 1-)Tj 11.08 0 0 11.08 314.88 736.56 Tm (Filed 06/22/2006 )Tj 11 0 0 11 414.72 736.56 Tm (Page 7 of 12 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 5 0 0 5 267.84 686.16 Tm (COUNT )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.49 0 0 12.49 310.8 686.16 Tm (III )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 9.99 0 0 9.99 110.64 659.04 Tm (20. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.16 0 0 11.16 143.76 659.04 Tm (On numerous occasions)Tj 11.15 0 0 11.15 251.28 658.8 Tm (, in connection with the collection of debts, Defendants )Tj 11.18 0 0 11.18 77.52 631.92 Tm (have communicated with a consumer, without the consumer )Tj 11.1 0 0 11.1 350.16 631.68 Tm (s prior consent given directly to the )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 5 0 0 5 77.76 605.28 Tm (debt collector or the express \001)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.38 0 0 12.38 205.92 605.28 Tm (perm)Tj 11.11 0 0 11.11 232.32 605.28 Tm (ssion of a court of competent jurisdiction)Tj 11.12 0 0 11.12 415.68 605.28 Tm (, at times or places )Tj 11.15 0 0 11.15 77.52 578.16 Tm (that Defendants knew or should have known to be inconvenient to the cons\ umer)Tj 11.18 0 0 11.18 435.6 578.4 Tm (, including, but )Tj 11.17 0 0 11.17 77.28 551.04 Tm (not limited to, communicating with the consumer at the consumer )Tj 11.09 0 0 11.09 375.12 551.04 Tm (s place of employment when )Tj /T1_0 1 Tf 8.98 0 0 8.98 77.04 523.92 Tm (the: debt )Tj /T1_1 1 Tf 11.19 0 0 11.19 114.48 523.92 Tm (collector knew or should have known that it is inconvenient for the cons\ umer to receive )Tj 11.31 0 0 11.31 77.28 496.56 Tm (such communkations)Tj 11.3 0 0 11.3 173.76 496.8 Tm (, in violation of Section 805\(a\)\(1\) of the FDCPA)Tj /T1_0 1 Tf 9.86 0 0 9.86 394.32 497.04 Tm (, 15 D. )Tj /T1_1 1 Tf 10.92 0 0 10.92 455.76 497.04 Tm (1692c\(a\)\(1\).)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 5 0 0 5 433.2 496.8 Tm (C. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.86 0 0 11.86 170.16 468.96 Tm (VIOLATIONS OF SECTION 5 OF THE FTC ACT )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.18 0 0 10.18 109.68 442.32 Tm (21.\001)Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.29 0 0 10.29 142.8 442.32 Tm (Section 5\(a\) of the FTC Act, 15 U. )Tj /T1_1 1 Tf 11.12 0 0 11.12 326.64 442.32 Tm (45\(a\), prohibits ")Tj 11.16 0 0 11.16 402.72 442.56 Tm (unfair or deceptive acts)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 5 0 0 5 307.68 442.32 Tm (C. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.04 0 0 11.04 76.56 415.2 Tm (or practices in or affecting commerce. )Tj 11.62 0 0 11.62 266.4 388.32 Tm (COUNT IV )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.18 0 0 10.18 109.2 361.68 Tm (22. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.16 0 0 11.16 142.08 361.92 Tm (In numerous instances, in connection with the collection of debts)Tj /T1_0 1 Tf 9.82 0 0 9.82 433.44 361.92 Tm (, Defendants )Tj /T1_1 1 Tf 11.09 0 0 11.09 76.32 334.8 Tm (have made the following representations)Tj 11.08 0 0 11.08 256.8 335.04 Tm (, expressly or by implication)Tj /T1_0 1 Tf 9.97 0 0 9.97 384.24 335.04 Tm (, regarding the character or )Tj /T1_1 1 Tf 10.87 0 0 10.87 76.56 307.68 Tm (legal status of a debt: )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.59 0 0 10.59 142.08 280.56 Tm (\(a\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.11 0 0 11.11 175.92 280.56 Tm (legal proceedings to collect the debt have already been instituted; )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.5 0 0 10.5 142.08 251.52 Tm (\(b\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.2 0 0 11.2 175.68 253.44 Tm (there is no time limitation on )Tj /T1_2 1 Tf 6.99 0 0 6.99 308.16 253.2 Tm (fiing a lawsuit to collect the )Tj /T1_1 1 Tf 11.24 0 0 11.24 438.24 253.44 Tm (debt; and )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.59 0 0 10.59 142.08 225.84 Tm (\(c\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.18 0 0 11.18 175.44 225.84 Tm (Defendants possess documentation establishing that the debt is a valid )Tj 11.05 0 0 11.05 175.68 198.48 Tm (debt of the consumer. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 108.24 170.64 Tm (23.\001)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.11 0 0 11.11 141.6 170.88 Tm (In truth and in fact, )Tj 8.014 0.022 Td (in numerous of these instances: )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.38 0 0 10.38 141.84 143.52 Tm (\(a\) )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.12 0 0 11.12 175.2 143.52 Tm (legal proceedings to collect the debt had not been instituted; )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.71 0 0 10.71 141.6 115.92 Tm (\(b\) )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.2 0 0 11.2 174.96 116.16 Tm (there is a time limitation on )Tj /T1_2 1 Tf 6.99 0 0 6.99 301.2 116.16 Tm (filng a lawsuit to collect the )Tj /T1_1 1 Tf 11.18 0 0 11.18 431.28 116.16 Tm (debt; and )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 9.02 0 0 9.02 246.96 78.72 Tm (Complaint - Page 7 of 12 )Tj ET EMC endstream endobj 1034 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /P <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 110.64 736.32 Tm (Case 4:06-cv-)Tj 9.89 0 0 9.89 180.96 736.32 Tm (021 02 )Tj 11.03 0 0 11.03 228.48 736.56 Tm (Document 1-)Tj 11.08 0 0 11.08 314.88 736.56 Tm (Filed 06/22/2006 )Tj 11 0 0 11 414.72 736.56 Tm (Page 7 of 12 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 5 0 0 5 267.84 686.16 Tm (COUNT )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.49 0 0 12.49 310.8 686.16 Tm (III )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 9.99 0 0 9.99 110.64 659.04 Tm (20. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.16 0 0 11.16 143.76 659.04 Tm (On numerous occasions)Tj 11.15 0 0 11.15 251.28 658.8 Tm (, in connection with the collection of debts, Defendants )Tj 11.18 0 0 11.18 77.52 631.92 Tm (have communicated with a consumer, without the consumer )Tj 11.1 0 0 11.1 350.16 631.68 Tm (s prior consent given directly to the )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 5 0 0 5 77.76 605.28 Tm (debt collector or the express \001)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.38 0 0 12.38 205.92 605.28 Tm (perm)Tj 11.11 0 0 11.11 232.32 605.28 Tm (ssion of a court of competent jurisdiction)Tj 11.12 0 0 11.12 415.68 605.28 Tm (, at times or places )Tj 11.15 0 0 11.15 77.52 578.16 Tm (that Defendants knew or should have known to be inconvenient to the cons\ umer)Tj 11.18 0 0 11.18 435.6 578.4 Tm (, including, but )Tj 11.17 0 0 11.17 77.28 551.04 Tm (not limited to, communicating with the consumer at the consumer )Tj 11.09 0 0 11.09 375.12 551.04 Tm (s place of employment when )Tj /T1_0 1 Tf 8.98 0 0 8.98 77.04 523.92 Tm (the: debt )Tj /T1_1 1 Tf 11.19 0 0 11.19 114.48 523.92 Tm (collector knew or should have known that it is inconvenient for the cons\ umer to receive )Tj 11.31 0 0 11.31 77.28 496.56 Tm (such communkations)Tj 11.3 0 0 11.3 173.76 496.8 Tm (, in violation of Section 805\(a\)\(1\) of the FDCPA)Tj /T1_0 1 Tf 9.86 0 0 9.86 394.32 497.04 Tm (, 15 D. )Tj /T1_1 1 Tf 10.92 0 0 10.92 455.76 497.04 Tm (1692c\(a\)\(1\).)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 5 0 0 5 433.2 496.8 Tm (C. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.86 0 0 11.86 170.16 468.96 Tm (VIOLATIONS OF SECTION 5 OF THE FTC ACT )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.18 0 0 10.18 109.68 442.32 Tm (21.\001)Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.29 0 0 10.29 142.8 442.32 Tm (Section 5\(a\) of the FTC Act, 15 U. )Tj /T1_1 1 Tf 11.12 0 0 11.12 326.64 442.32 Tm (45\(a\), prohibits ")Tj 11.16 0 0 11.16 402.72 442.56 Tm (unfair or deceptive acts)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 5 0 0 5 307.68 442.32 Tm (C. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.04 0 0 11.04 76.56 415.2 Tm (or practices in or affecting commerce. )Tj 11.62 0 0 11.62 266.4 388.32 Tm (COUNT IV )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.18 0 0 10.18 109.2 361.68 Tm (22. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.16 0 0 11.16 142.08 361.92 Tm (In numerous instances, in connection with the collection of debts)Tj /T1_0 1 Tf 9.82 0 0 9.82 433.44 361.92 Tm (, Defendants )Tj /T1_1 1 Tf 11.09 0 0 11.09 76.32 334.8 Tm (have made the following representations)Tj 11.08 0 0 11.08 256.8 335.04 Tm (, expressly or by implication)Tj /T1_0 1 Tf 9.97 0 0 9.97 384.24 335.04 Tm (, regarding the character or )Tj /T1_1 1 Tf 10.87 0 0 10.87 76.56 307.68 Tm (legal status of a debt: )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.59 0 0 10.59 142.08 280.56 Tm (\(a\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.11 0 0 11.11 175.92 280.56 Tm (legal proceedings to collect the debt have already been instituted; )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.5 0 0 10.5 142.08 251.52 Tm (\(b\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.2 0 0 11.2 175.68 253.44 Tm (there is no time limitation on )Tj /T1_2 1 Tf 6.99 0 0 6.99 308.16 253.2 Tm (fiing a lawsuit to collect the )Tj /T1_1 1 Tf 11.24 0 0 11.24 438.24 253.44 Tm (debt; and )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.59 0 0 10.59 142.08 225.84 Tm (\(c\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.18 0 0 11.18 175.44 225.84 Tm (Defendants possess documentation establishing that the debt is a valid )Tj 11.05 0 0 11.05 175.68 198.48 Tm (debt of the consumer. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 108.24 170.64 Tm (23.\001)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.11 0 0 11.11 141.6 170.88 Tm (In truth and in fact, )Tj 8.014 0.022 Td (in numerous of these instances: )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.38 0 0 10.38 141.84 143.52 Tm (\(a\) )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.12 0 0 11.12 175.2 143.52 Tm (legal proceedings to collect the debt had not been instituted; )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.71 0 0 10.71 141.6 115.92 Tm (\(b\) )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.2 0 0 11.2 174.96 116.16 Tm (there is a time limitation on )Tj /T1_2 1 Tf 6.99 0 0 6.99 301.2 116.16 Tm (filng a lawsuit to collect the )Tj /T1_1 1 Tf 11.18 0 0 11.18 431.28 116.16 Tm (debt; and )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 9.02 0 0 9.02 246.96 78.72 Tm (Complaint - Page 7 of 12 )Tj ET EMC endstream endobj 1035 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /P <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 110.64 736.32 Tm (Case 4:06-cv-)Tj 9.89 0 0 9.89 180.96 736.32 Tm (021 02 )Tj 11.03 0 0 11.03 228.48 736.56 Tm (Document 1-)Tj 11.08 0 0 11.08 314.88 736.56 Tm (Filed 06/22/2006 )Tj 11 0 0 11 414.72 736.56 Tm (Page 7 of 12 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 5 0 0 5 267.84 686.16 Tm (COUNT )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.49 0 0 12.49 310.8 686.16 Tm (III )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 9.99 0 0 9.99 110.64 659.04 Tm (20. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.16 0 0 11.16 143.76 659.04 Tm (On numerous occasions)Tj 11.15 0 0 11.15 251.28 658.8 Tm (, in connection with the collection of debts, Defendants )Tj 11.18 0 0 11.18 77.52 631.92 Tm (have communicated with a consumer, without the consumer )Tj 11.1 0 0 11.1 350.16 631.68 Tm (s prior consent given directly to the )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 5 0 0 5 77.76 605.28 Tm (debt collector or the express \001)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.38 0 0 12.38 205.92 605.28 Tm (perm)Tj 11.11 0 0 11.11 232.32 605.28 Tm (ssion of a court of competent jurisdiction)Tj 11.12 0 0 11.12 415.68 605.28 Tm (, at times or places )Tj 11.15 0 0 11.15 77.52 578.16 Tm (that Defendants knew or should have known to be inconvenient to the cons\ umer)Tj 11.18 0 0 11.18 435.6 578.4 Tm (, including, but )Tj 11.17 0 0 11.17 77.28 551.04 Tm (not limited to, communicating with the consumer at the consumer )Tj 11.09 0 0 11.09 375.12 551.04 Tm (s place of employment when )Tj /T1_0 1 Tf 8.98 0 0 8.98 77.04 523.92 Tm (the: debt )Tj /T1_1 1 Tf 11.19 0 0 11.19 114.48 523.92 Tm (collector knew or should have known that it is inconvenient for the cons\ umer to receive )Tj 11.31 0 0 11.31 77.28 496.56 Tm (such communkations)Tj 11.3 0 0 11.3 173.76 496.8 Tm (, in violation of Section 805\(a\)\(1\) of the FDCPA)Tj /T1_0 1 Tf 9.86 0 0 9.86 394.32 497.04 Tm (, 15 D. )Tj /T1_1 1 Tf 10.92 0 0 10.92 455.76 497.04 Tm (1692c\(a\)\(1\).)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 5 0 0 5 433.2 496.8 Tm (C. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.86 0 0 11.86 170.16 468.96 Tm (VIOLATIONS OF SECTION 5 OF THE FTC ACT )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.18 0 0 10.18 109.68 442.32 Tm (21.\001)Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.29 0 0 10.29 142.8 442.32 Tm (Section 5\(a\) of the FTC Act, 15 U. )Tj /T1_1 1 Tf 11.12 0 0 11.12 326.64 442.32 Tm (45\(a\), prohibits ")Tj 11.16 0 0 11.16 402.72 442.56 Tm (unfair or deceptive acts)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 5 0 0 5 307.68 442.32 Tm (C. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.04 0 0 11.04 76.56 415.2 Tm (or practices in or affecting commerce. )Tj 11.62 0 0 11.62 266.4 388.32 Tm (COUNT IV )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.18 0 0 10.18 109.2 361.68 Tm (22. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.16 0 0 11.16 142.08 361.92 Tm (In numerous instances, in connection with the collection of debts)Tj /T1_0 1 Tf 9.82 0 0 9.82 433.44 361.92 Tm (, Defendants )Tj /T1_1 1 Tf 11.09 0 0 11.09 76.32 334.8 Tm (have made the following representations)Tj 11.08 0 0 11.08 256.8 335.04 Tm (, expressly or by implication)Tj /T1_0 1 Tf 9.97 0 0 9.97 384.24 335.04 Tm (, regarding the character or )Tj /T1_1 1 Tf 10.87 0 0 10.87 76.56 307.68 Tm (legal status of a debt: )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.59 0 0 10.59 142.08 280.56 Tm (\(a\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.11 0 0 11.11 175.92 280.56 Tm (legal proceedings to collect the debt have already been instituted; )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.5 0 0 10.5 142.08 251.52 Tm (\(b\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.2 0 0 11.2 175.68 253.44 Tm (there is no time limitation on )Tj /T1_2 1 Tf 6.99 0 0 6.99 308.16 253.2 Tm (fiing a lawsuit to collect the )Tj /T1_1 1 Tf 11.24 0 0 11.24 438.24 253.44 Tm (debt; and )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.59 0 0 10.59 142.08 225.84 Tm (\(c\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.18 0 0 11.18 175.44 225.84 Tm (Defendants possess documentation establishing that the debt is a valid )Tj 11.05 0 0 11.05 175.68 198.48 Tm (debt of the consumer. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 108.24 170.64 Tm (23.\001)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.11 0 0 11.11 141.6 170.88 Tm (In truth and in fact, )Tj 8.014 0.022 Td (in numerous of these instances: )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.38 0 0 10.38 141.84 143.52 Tm (\(a\) )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.12 0 0 11.12 175.2 143.52 Tm (legal proceedings to collect the debt had not been instituted; )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.71 0 0 10.71 141.6 115.92 Tm (\(b\) )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.2 0 0 11.2 174.96 116.16 Tm (there is a time limitation on )Tj /T1_2 1 Tf 6.99 0 0 6.99 301.2 116.16 Tm (filng a lawsuit to collect the )Tj /T1_1 1 Tf 11.18 0 0 11.18 431.28 116.16 Tm (debt; and )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 9.02 0 0 9.02 246.96 78.72 Tm (Complaint - Page 7 of 12 )Tj ET EMC endstream endobj 1036 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /P <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 110.64 736.32 Tm (Case 4:06-cv-)Tj 9.89 0 0 9.89 180.96 736.32 Tm (021 02 )Tj 11.03 0 0 11.03 228.48 736.56 Tm (Document 1-)Tj 11.08 0 0 11.08 314.88 736.56 Tm (Filed 06/22/2006 )Tj 11 0 0 11 414.72 736.56 Tm (Page 7 of 12 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 5 0 0 5 267.84 686.16 Tm (COUNT )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.49 0 0 12.49 310.8 686.16 Tm (III )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 9.99 0 0 9.99 110.64 659.04 Tm (20. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.16 0 0 11.16 143.76 659.04 Tm (On numerous occasions)Tj 11.15 0 0 11.15 251.28 658.8 Tm (, in connection with the collection of debts, Defendants )Tj 11.18 0 0 11.18 77.52 631.92 Tm (have communicated with a consumer, without the consumer )Tj 11.1 0 0 11.1 350.16 631.68 Tm (s prior consent given directly to the )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 5 0 0 5 77.76 605.28 Tm (debt collector or the express \001)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.38 0 0 12.38 205.92 605.28 Tm (perm)Tj 11.11 0 0 11.11 232.32 605.28 Tm (ssion of a court of competent jurisdiction)Tj 11.12 0 0 11.12 415.68 605.28 Tm (, at times or places )Tj 11.15 0 0 11.15 77.52 578.16 Tm (that Defendants knew or should have known to be inconvenient to the cons\ umer)Tj 11.18 0 0 11.18 435.6 578.4 Tm (, including, but )Tj 11.17 0 0 11.17 77.28 551.04 Tm (not limited to, communicating with the consumer at the consumer )Tj 11.09 0 0 11.09 375.12 551.04 Tm (s place of employment when )Tj /T1_0 1 Tf 8.98 0 0 8.98 77.04 523.92 Tm (the: debt )Tj /T1_1 1 Tf 11.19 0 0 11.19 114.48 523.92 Tm (collector knew or should have known that it is inconvenient for the cons\ umer to receive )Tj 11.31 0 0 11.31 77.28 496.56 Tm (such communkations)Tj 11.3 0 0 11.3 173.76 496.8 Tm (, in violation of Section 805\(a\)\(1\) of the FDCPA)Tj /T1_0 1 Tf 9.86 0 0 9.86 394.32 497.04 Tm (, 15 D. )Tj /T1_1 1 Tf 10.92 0 0 10.92 455.76 497.04 Tm (1692c\(a\)\(1\).)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 5 0 0 5 433.2 496.8 Tm (C. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.86 0 0 11.86 170.16 468.96 Tm (VIOLATIONS OF SECTION 5 OF THE FTC ACT )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.18 0 0 10.18 109.68 442.32 Tm (21.\001)Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.29 0 0 10.29 142.8 442.32 Tm (Section 5\(a\) of the FTC Act, 15 U. )Tj /T1_1 1 Tf 11.12 0 0 11.12 326.64 442.32 Tm (45\(a\), prohibits ")Tj 11.16 0 0 11.16 402.72 442.56 Tm (unfair or deceptive acts)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 5 0 0 5 307.68 442.32 Tm (C. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.04 0 0 11.04 76.56 415.2 Tm (or practices in or affecting commerce. )Tj 11.62 0 0 11.62 266.4 388.32 Tm (COUNT IV )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.18 0 0 10.18 109.2 361.68 Tm (22. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.16 0 0 11.16 142.08 361.92 Tm (In numerous instances, in connection with the collection of debts)Tj /T1_0 1 Tf 9.82 0 0 9.82 433.44 361.92 Tm (, Defendants )Tj /T1_1 1 Tf 11.09 0 0 11.09 76.32 334.8 Tm (have made the following representations)Tj 11.08 0 0 11.08 256.8 335.04 Tm (, expressly or by implication)Tj /T1_0 1 Tf 9.97 0 0 9.97 384.24 335.04 Tm (, regarding the character or )Tj /T1_1 1 Tf 10.87 0 0 10.87 76.56 307.68 Tm (legal status of a debt: )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.59 0 0 10.59 142.08 280.56 Tm (\(a\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.11 0 0 11.11 175.92 280.56 Tm (legal proceedings to collect the debt have already been instituted; )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.5 0 0 10.5 142.08 251.52 Tm (\(b\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.2 0 0 11.2 175.68 253.44 Tm (there is no time limitation on )Tj /T1_2 1 Tf 6.99 0 0 6.99 308.16 253.2 Tm (fiing a lawsuit to collect the )Tj /T1_1 1 Tf 11.24 0 0 11.24 438.24 253.44 Tm (debt; and )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.59 0 0 10.59 142.08 225.84 Tm (\(c\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.18 0 0 11.18 175.44 225.84 Tm (Defendants possess documentation establishing that the debt is a valid )Tj 11.05 0 0 11.05 175.68 198.48 Tm (debt of the consumer. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 108.24 170.64 Tm (23.\001)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.11 0 0 11.11 141.6 170.88 Tm (In truth and in fact, )Tj 8.014 0.022 Td (in numerous of these instances: )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.38 0 0 10.38 141.84 143.52 Tm (\(a\) )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.12 0 0 11.12 175.2 143.52 Tm (legal proceedings to collect the debt had not been instituted; )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.71 0 0 10.71 141.6 115.92 Tm (\(b\) )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.2 0 0 11.2 174.96 116.16 Tm (there is a time limitation on )Tj /T1_2 1 Tf 6.99 0 0 6.99 301.2 116.16 Tm (filng a lawsuit to collect the )Tj /T1_1 1 Tf 11.18 0 0 11.18 431.28 116.16 Tm (debt; and )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 9.02 0 0 9.02 246.96 78.72 Tm (Complaint - Page 7 of 12 )Tj ET EMC endstream endobj 1037 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /P <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 110.64 736.32 Tm (Case 4:06-cv-)Tj 9.89 0 0 9.89 180.96 736.32 Tm (021 02 )Tj 11.03 0 0 11.03 228.48 736.56 Tm (Document 1-)Tj 11.08 0 0 11.08 314.88 736.56 Tm (Filed 06/22/2006 )Tj 11 0 0 11 414.72 736.56 Tm (Page 8 of 12 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.16 0 0 10.16 143.04 686.4 Tm (\(c\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.19 0 0 11.19 175.68 686.64 Tm (Defendants do not possess documentation establishing that the debt is a \ )Tj 11.15 0 0 11.15 176.16 659.52 Tm (valid debt of the consumer. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 108.72 632.88 Tm (24. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 10.96 0 0 10.96 142.32 632.88 Tm (Therefore)Tj 11.18 0 0 11.18 186.48 633.12 Tm (, the representations set forth in )Tj 11.89 0 0 11.89 330.24 632.88 Tm (Paragrph 22 are )Tj 11.07 0 0 11.07 408.48 632.88 Tm (false or misleading )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.16 0 0 11.16 74.64 605.76 Tm (and constitute deceptive acts oLpra\001)Tj 10.56 0 0 10.56 237.12 606 Tm (tic )Tj 11.14 0 0 11.14 253.68 605.76 Tm (s in violation of Section 5\(a\) of the FTC Act)Tj 11.71 0 0 11.71 452.16 606 Tm (, 15 US. )Tj 10.98 0 0 10.98 79.68 578.64 Tm (45\(a\). )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 14 0 0 14 268.32 551.52 Tm (COUN V\001)Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 108 524.16 Tm (25. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.06 0 0 11.06 141.84 524.16 Tm (In numerous instances)Tj 11.15 0 0 11.15 241.68 524.16 Tm (, in connection with the collection of debts)Tj /T1_0 1 Tf 9.74 0 0 9.74 432.72 524.4 Tm (, Defendants )Tj /T1_1 1 Tf 11.19 0 0 11.19 73.92 496.56 Tm (have made the following representations)Tj 11.04 0 0 11.04 256.32 496.8 Tm (, expressly or by implication)Tj /T1_0 1 Tf 9.91 0 0 9.91 383.28 496.8 Tm (, regarding actions that the )Tj 10.18 0 0 10.18 73.68 469.44 Tm (Defendants intend to take if the debt is not paid: )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.16 0 0 10.16 141.84 442.8 Tm (\(a\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.44 0 0 11.44 174.48 442.8 Tm (the debt wil be reported to a credit )Tj 11.13 0 0 11.13 334.56 442.8 Tm (bureau if the debt is not paid; and )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.29 0 0 10.29 141.6 414 Tm (\(b\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.36 0 0 11.36 174.48 415.92 Tm (legal proceedings wil be initiated against )Tj 11.16 0 0 11.16 363.12 415.92 Tm (the consumer if the debt is not )Tj 11.08 0 0 11.08 174.24 389.04 Tm (paid. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 107.04 362.16 Tm (26.\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.13 0 0 11.13 140.88 362.16 Tm (In truth and in fact)Tj 11.07 0 0 11.07 224.4 362.4 Tm (, in numerous of these instances: )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.38 0 0 10.38 141.12 335.28 Tm (\(a\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.19 0 0 11.19 173.76 335.28 Tm (Defendants did not report the debt that was not paid to a credit )Tj /T1_2 1 Tf 8.76 0 0 8.76 456.24 335.28 Tm (burau; and )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.5 0 0 10.5 141.12 308.16 Tm (\(b\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.16 0 0 11.16 173.76 308.4 Tm (Defendants did not initiate legal proceedings against the consumer if th\ e )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.99 0 0 9.99 173.76 281.28 Tm (debt was not paid. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 106.8 253.44 Tm (27. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.23 0 0 11.23 140.16 253.68 Tm (Therefore, the representations set )Tj /T1_2 1 Tf 7.58 0 0 7.58 292.56 253.68 Tm (fort in Paragraph 25 are )Tj /T1_1 1 Tf 11.1 0 0 11.1 406.32 253.92 Tm (false or misleading )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.2 0 0 11.2 72.72 225.84 Tm (and constitute deceptive acts or practices in violation of Section )Tj 11.13 0 0 11.13 361.44 226.08 Tm (Sea\) of the FTC Act, 15 US. )Tj 10.66 0 0 10.66 73.2 196.56 Tm (945\(a\). )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 9.02 0 0 9.02 244.8 78.96 Tm (Complaint - Page 8 of 12 )Tj ET EMC endstream endobj 1038 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /P <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 110.64 736.32 Tm (Case 4:06-cv-)Tj 9.89 0 0 9.89 180.96 736.32 Tm (021 02 )Tj 11.03 0 0 11.03 228.48 736.56 Tm (Document 1-)Tj 11.08 0 0 11.08 314.88 736.56 Tm (Filed 06/22/2006 )Tj 11 0 0 11 414.72 736.56 Tm (Page 8 of 12 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.16 0 0 10.16 143.04 686.4 Tm (\(c\)\001)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.19 0 0 11.19 175.68 686.64 Tm (Defendants do not possess documentation establishing that the debt is a \ )Tj 11.15 0 0 11.15 176.16 659.52 Tm (valid debt of the consumer. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 108.72 632.88 Tm (24. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 10.96 0 0 10.96 142.32 632.88 Tm (Therefore)Tj 11.18 0 0 11.18 186.48 633.12 Tm (, the representations set forth in )Tj 11.89 0 0 11.89 330.24 632.88 Tm (Paragrph 22 are )Tj 11.07 0 0 11.07 408.48 632.88 Tm (false or misleading )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.16 0 0 11.16 74.64 605.76 Tm (and constitute deceptive acts oLpra\001)Tj 10.56 0 0 10.56 237.12 606 Tm (tic )Tj 11.14 0 0 11.14 253.68 605.76 Tm (s in violation of Section 5\(a\) of the FTC Act)Tj 11.71 0 0 11.71 452.16 606 Tm (, 15 US. )Tj 10.98 0 0 10.98 79.68 578.64 Tm (45\(a\). )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 14 0 0 14 268.32 551.52 Tm (COUN V\001)Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 108 524.16 Tm (25. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.06 0 0 11.06 141.84 524.16 Tm (In numerous instances)Tj 11.15 0 0 11.15 241.68 524.16 Tm (, in connection with the collection of debts)Tj /T1_0 1 Tf 9.74 0 0 9.74 432.72 524.4 Tm (, Defendants )Tj /T1_1 1 Tf 11.19 0 0 11.19 73.92 496.56 Tm (have made the following representations)Tj 11.04 0 0 11.04 256.32 496.8 Tm (, expressly or by implication)Tj /T1_0 1 Tf 9.91 0 0 9.91 383.28 496.8 Tm (, regarding actions that the )Tj 10.18 0 0 10.18 73.68 469.44 Tm (Defendants intend to take if the debt is not paid: )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.16 0 0 10.16 141.84 442.8 Tm (\(a\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.44 0 0 11.44 174.48 442.8 Tm (the debt wil be reported to a credit )Tj 11.13 0 0 11.13 334.56 442.8 Tm (bureau if the debt is not paid; and )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.29 0 0 10.29 141.6 414 Tm (\(b\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.36 0 0 11.36 174.48 415.92 Tm (legal proceedings wil be initiated against )Tj 11.16 0 0 11.16 363.12 415.92 Tm (the consumer if the debt is not )Tj 11.08 0 0 11.08 174.24 389.04 Tm (paid. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 107.04 362.16 Tm (26.\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.13 0 0 11.13 140.88 362.16 Tm (In truth and in fact)Tj 11.07 0 0 11.07 224.4 362.4 Tm (, in numerous of these instances: )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.38 0 0 10.38 141.12 335.28 Tm (\(a\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.19 0 0 11.19 173.76 335.28 Tm (Defendants did not report the debt that was not paid to a credit )Tj /T1_2 1 Tf 8.76 0 0 8.76 456.24 335.28 Tm (burau; and )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.5 0 0 10.5 141.12 308.16 Tm (\(b\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.16 0 0 11.16 173.76 308.4 Tm (Defendants did not initiate legal proceedings against the consumer if th\ e )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.99 0 0 9.99 173.76 281.28 Tm (debt was not paid. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 106.8 253.44 Tm (27. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.23 0 0 11.23 140.16 253.68 Tm (Therefore, the representations set )Tj /T1_2 1 Tf 7.58 0 0 7.58 292.56 253.68 Tm (fort in Paragraph 25 are )Tj /T1_1 1 Tf 11.1 0 0 11.1 406.32 253.92 Tm (false or misleading )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.2 0 0 11.2 72.72 225.84 Tm (and constitute deceptive acts or practices in violation of Section )Tj 11.13 0 0 11.13 361.44 226.08 Tm (Sea\) of the FTC Act, 15 US. )Tj 10.66 0 0 10.66 73.2 196.56 Tm (945\(a\). )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 9.02 0 0 9.02 244.8 78.96 Tm (Complaint - Page 8 of 12 )Tj ET EMC endstream endobj 1039 0 obj<> endobj 1040 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /P <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 110.64 736.32 Tm (Case 4:06-cv-)Tj 9.89 0 0 9.89 180.96 736.32 Tm (021 02 )Tj 11.03 0 0 11.03 228.48 736.56 Tm (Document 1-)Tj 11.08 0 0 11.08 314.88 736.56 Tm (Filed 06/22/2006 )Tj 11 0 0 11 414.72 736.56 Tm (Page 8 of 12 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.16 0 0 10.16 143.04 686.4 Tm (\(c\)\001)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.19 0 0 11.19 175.68 686.64 Tm (Defendants do not possess documentation establishing that the debt is a \ )Tj 11.15 0 0 11.15 176.16 659.52 Tm (valid debt of the consumer. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 108.72 632.88 Tm (24. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 10.96 0 0 10.96 142.32 632.88 Tm (Therefore)Tj 11.18 0 0 11.18 186.48 633.12 Tm (, the representations set forth in )Tj 11.89 0 0 11.89 330.24 632.88 Tm (Paragrph 22 are )Tj 11.07 0 0 11.07 408.48 632.88 Tm (false or misleading )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.16 0 0 11.16 74.64 605.76 Tm (and constitute deceptive acts oLpra\001)Tj 10.56 0 0 10.56 237.12 606 Tm (tic )Tj 11.14 0 0 11.14 253.68 605.76 Tm (s in violation of Section 5\(a\) of the FTC Act)Tj 11.71 0 0 11.71 452.16 606 Tm (, 15 US. )Tj 10.98 0 0 10.98 79.68 578.64 Tm (45\(a\). )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 14 0 0 14 268.32 551.52 Tm (COUN V\001)Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 108 524.16 Tm (25. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.06 0 0 11.06 141.84 524.16 Tm (In numerous instances)Tj 11.15 0 0 11.15 241.68 524.16 Tm (, in connection with the collection of debts)Tj /T1_0 1 Tf 9.74 0 0 9.74 432.72 524.4 Tm (, Defendants )Tj /T1_1 1 Tf 11.19 0 0 11.19 73.92 496.56 Tm (have made the following representations)Tj 11.04 0 0 11.04 256.32 496.8 Tm (, expressly or by implication)Tj /T1_0 1 Tf 9.91 0 0 9.91 383.28 496.8 Tm (, regarding actions that the )Tj 10.18 0 0 10.18 73.68 469.44 Tm (Defendants intend to take if the debt is not paid: )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.16 0 0 10.16 141.84 442.8 Tm (\(a\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.44 0 0 11.44 174.48 442.8 Tm (the debt wil be reported to a credit )Tj 11.13 0 0 11.13 334.56 442.8 Tm (bureau if the debt is not paid; and )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.29 0 0 10.29 141.6 414 Tm (\(b\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.36 0 0 11.36 174.48 415.92 Tm (legal proceedings wil be initiated against )Tj 11.16 0 0 11.16 363.12 415.92 Tm (the consumer if the debt is not )Tj 11.08 0 0 11.08 174.24 389.04 Tm (paid. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 107.04 362.16 Tm (26.\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.13 0 0 11.13 140.88 362.16 Tm (In truth and in fact)Tj 11.07 0 0 11.07 224.4 362.4 Tm (, in numerous of these instances: )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.38 0 0 10.38 141.12 335.28 Tm (\(a\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.19 0 0 11.19 173.76 335.28 Tm (Defendants did not report the debt that was not paid to a credit )Tj /T1_2 1 Tf 8.76 0 0 8.76 456.24 335.28 Tm (burau; and )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.5 0 0 10.5 141.12 308.16 Tm (\(b\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.16 0 0 11.16 173.76 308.4 Tm (Defendants did not initiate legal proceedings against the consumer if th\ e )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.99 0 0 9.99 173.76 281.28 Tm (debt was not paid. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 106.8 253.44 Tm (27. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.23 0 0 11.23 140.16 253.68 Tm (Therefore, the representations set )Tj /T1_2 1 Tf 7.58 0 0 7.58 292.56 253.68 Tm (fort in Paragraph 25 are )Tj /T1_1 1 Tf 11.1 0 0 11.1 406.32 253.92 Tm (false or misleading )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.2 0 0 11.2 72.72 225.84 Tm (and constitute deceptive acts or practices in violation of Section )Tj 11.13 0 0 11.13 361.44 226.08 Tm (Sea\) of the FTC Act, 15 US. )Tj 10.66 0 0 10.66 73.2 196.56 Tm (945\(a\). )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 9.02 0 0 9.02 244.8 78.96 Tm (Complaint - Page 8 of 12 )Tj ET EMC endstream endobj 1041 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /P <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 110.64 736.32 Tm (Case 4:06-cv-)Tj 9.89 0 0 9.89 180.96 736.32 Tm (021 02 )Tj 11.03 0 0 11.03 228.48 736.56 Tm (Document 1-)Tj 11.08 0 0 11.08 314.88 736.56 Tm (Filed 06/22/2006 )Tj 11 0 0 11 414.72 736.56 Tm (Page 8 of 12 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.16 0 0 10.16 143.04 686.4 Tm (\(c\)\001)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.19 0 0 11.19 175.68 686.64 Tm (Defendants do not possess documentation establishing that the debt is a \ )Tj 11.15 0 0 11.15 176.16 659.52 Tm (valid debt of the consumer. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 108.72 632.88 Tm (24. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.96 0 0 10.96 142.32 632.88 Tm (Therefore)Tj 11.18 0 0 11.18 186.48 633.12 Tm (, the representations set forth in )Tj 11.89 0 0 11.89 330.24 632.88 Tm (Paragrph 22 are )Tj 11.07 0 0 11.07 408.48 632.88 Tm (false or misleading )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.16 0 0 11.16 74.64 605.76 Tm (and constitute deceptive acts oLpra\001)Tj 10.56 0 0 10.56 237.12 606 Tm (tic )Tj 11.14 0 0 11.14 253.68 605.76 Tm (s in violation of Section 5\(a\) of the FTC Act)Tj 11.71 0 0 11.71 452.16 606 Tm (, 15 US. )Tj 10.98 0 0 10.98 79.68 578.64 Tm (45\(a\). )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 14 0 0 14 268.32 551.52 Tm (COUN V\001)Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 108 524.16 Tm (25. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.06 0 0 11.06 141.84 524.16 Tm (In numerous instances)Tj 11.15 0 0 11.15 241.68 524.16 Tm (, in connection with the collection of debts)Tj /T1_0 1 Tf 9.74 0 0 9.74 432.72 524.4 Tm (, Defendants )Tj /T1_1 1 Tf 11.19 0 0 11.19 73.92 496.56 Tm (have made the following representations)Tj 11.04 0 0 11.04 256.32 496.8 Tm (, expressly or by implication)Tj /T1_0 1 Tf 9.91 0 0 9.91 383.28 496.8 Tm (, regarding actions that the )Tj 10.18 0 0 10.18 73.68 469.44 Tm (Defendants intend to take if the debt is not paid: )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.16 0 0 10.16 141.84 442.8 Tm (\(a\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.44 0 0 11.44 174.48 442.8 Tm (the debt wil be reported to a credit )Tj 11.13 0 0 11.13 334.56 442.8 Tm (bureau if the debt is not paid; and )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.29 0 0 10.29 141.6 414 Tm (\(b\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.36 0 0 11.36 174.48 415.92 Tm (legal proceedings wil be initiated against )Tj 11.16 0 0 11.16 363.12 415.92 Tm (the consumer if the debt is not )Tj 11.08 0 0 11.08 174.24 389.04 Tm (paid. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 107.04 362.16 Tm (26.\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.13 0 0 11.13 140.88 362.16 Tm (In truth and in fact)Tj 11.07 0 0 11.07 224.4 362.4 Tm (, in numerous of these instances: )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.38 0 0 10.38 141.12 335.28 Tm (\(a\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.19 0 0 11.19 173.76 335.28 Tm (Defendants did not report the debt that was not paid to a credit )Tj /T1_2 1 Tf 8.76 0 0 8.76 456.24 335.28 Tm (burau; and )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.5 0 0 10.5 141.12 308.16 Tm (\(b\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.16 0 0 11.16 173.76 308.4 Tm (Defendants did not initiate legal proceedings against the consumer if th\ e )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.99 0 0 9.99 173.76 281.28 Tm (debt was not paid. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 106.8 253.44 Tm (27. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.23 0 0 11.23 140.16 253.68 Tm (Therefore, the representations set )Tj /T1_2 1 Tf 7.58 0 0 7.58 292.56 253.68 Tm (fort in Paragraph 25 are )Tj /T1_1 1 Tf 11.1 0 0 11.1 406.32 253.92 Tm (false or misleading )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.2 0 0 11.2 72.72 225.84 Tm (and constitute deceptive acts or practices in violation of Section )Tj 11.13 0 0 11.13 361.44 226.08 Tm (Sea\) of the FTC Act, 15 US. )Tj 10.66 0 0 10.66 73.2 196.56 Tm (945\(a\). )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 9.02 0 0 9.02 244.8 78.96 Tm (Complaint - Page 8 of 12 )Tj ET EMC endstream endobj 1042 0 obj<> endobj 1043 0 obj<> endobj 1044 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /P <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 110.64 736.32 Tm (Case 4:06-cv-)Tj 9.89 0 0 9.89 180.96 736.32 Tm (021 02 )Tj 11.03 0 0 11.03 228.48 736.56 Tm (Document 1-)Tj 11.08 0 0 11.08 314.88 736.56 Tm (Filed 06/22/2006 )Tj 11 0 0 11 414.72 736.56 Tm (Page 8 of 12 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.16 0 0 10.16 143.04 686.4 Tm (\(c\)\001)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.19 0 0 11.19 175.68 686.64 Tm (Defendants do not possess documentation establishing that the debt is a \ )Tj 11.15 0 0 11.15 176.16 659.52 Tm (valid debt of the consumer. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 108.72 632.88 Tm (24. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.96 0 0 10.96 142.32 632.88 Tm (Therefore)Tj 11.18 0 0 11.18 186.48 633.12 Tm (, the representations set forth in )Tj 11.89 0 0 11.89 330.24 632.88 Tm (Paragrph 22 are )Tj 11.07 0 0 11.07 408.48 632.88 Tm (false or misleading )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.16 0 0 11.16 74.64 605.76 Tm (and constitute deceptive acts oLpra\001)Tj 10.56 0 0 10.56 237.12 606 Tm (tic )Tj 11.14 0 0 11.14 253.68 605.76 Tm (s in violation of Section 5\(a\) of the FTC Act)Tj 11.71 0 0 11.71 452.16 606 Tm (, 15 US. )Tj 10.98 0 0 10.98 79.68 578.64 Tm (45\(a\). )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 14 0 0 14 268.32 551.52 Tm (COUN V\001)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 108 524.16 Tm (25. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.06 0 0 11.06 141.84 524.16 Tm (In numerous instances)Tj 11.15 0 0 11.15 241.68 524.16 Tm (, in connection with the collection of debts)Tj /T1_0 1 Tf 9.74 0 0 9.74 432.72 524.4 Tm (, Defendants )Tj /T1_1 1 Tf 11.19 0 0 11.19 73.92 496.56 Tm (have made the following representations)Tj 11.04 0 0 11.04 256.32 496.8 Tm (, expressly or by implication)Tj /T1_0 1 Tf 9.91 0 0 9.91 383.28 496.8 Tm (, regarding actions that the )Tj 10.18 0 0 10.18 73.68 469.44 Tm (Defendants intend to take if the debt is not paid: )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.16 0 0 10.16 141.84 442.8 Tm (\(a\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.44 0 0 11.44 174.48 442.8 Tm (the debt wil be reported to a credit )Tj 11.13 0 0 11.13 334.56 442.8 Tm (bureau if the debt is not paid; and )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.29 0 0 10.29 141.6 414 Tm (\(b\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.36 0 0 11.36 174.48 415.92 Tm (legal proceedings wil be initiated against )Tj 11.16 0 0 11.16 363.12 415.92 Tm (the consumer if the debt is not )Tj 11.08 0 0 11.08 174.24 389.04 Tm (paid. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 107.04 362.16 Tm (26.\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.13 0 0 11.13 140.88 362.16 Tm (In truth and in fact)Tj 11.07 0 0 11.07 224.4 362.4 Tm (, in numerous of these instances: )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.38 0 0 10.38 141.12 335.28 Tm (\(a\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.19 0 0 11.19 173.76 335.28 Tm (Defendants did not report the debt that was not paid to a credit )Tj /T1_2 1 Tf 8.76 0 0 8.76 456.24 335.28 Tm (burau; and )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.5 0 0 10.5 141.12 308.16 Tm (\(b\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.16 0 0 11.16 173.76 308.4 Tm (Defendants did not initiate legal proceedings against the consumer if th\ e )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.99 0 0 9.99 173.76 281.28 Tm (debt was not paid. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 106.8 253.44 Tm (27. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.23 0 0 11.23 140.16 253.68 Tm (Therefore, the representations set )Tj /T1_2 1 Tf 7.58 0 0 7.58 292.56 253.68 Tm (fort in Paragraph 25 are )Tj /T1_1 1 Tf 11.1 0 0 11.1 406.32 253.92 Tm (false or misleading )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.2 0 0 11.2 72.72 225.84 Tm (and constitute deceptive acts or practices in violation of Section )Tj 11.13 0 0 11.13 361.44 226.08 Tm (Sea\) of the FTC Act, 15 US. )Tj 10.66 0 0 10.66 73.2 196.56 Tm (945\(a\). )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 9.02 0 0 9.02 244.8 78.96 Tm (Complaint - Page 8 of 12 )Tj ET EMC endstream endobj 1045 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /P <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 110.64 736.32 Tm (Case 4:06-cv-)Tj 9.89 0 0 9.89 180.96 736.32 Tm (021 02 )Tj 11.03 0 0 11.03 228.48 736.56 Tm (Document 1-)Tj 11.08 0 0 11.08 314.88 736.56 Tm (Filed 06/22/2006 )Tj 11 0 0 11 414.72 736.56 Tm (Page 8 of 12 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.16 0 0 10.16 143.04 686.4 Tm (\(c\)\001)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.19 0 0 11.19 175.68 686.64 Tm (Defendants do not possess documentation establishing that the debt is a \ )Tj 11.15 0 0 11.15 176.16 659.52 Tm (valid debt of the consumer. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 108.72 632.88 Tm (24. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.96 0 0 10.96 142.32 632.88 Tm (Therefore)Tj 11.18 0 0 11.18 186.48 633.12 Tm (, the representations set forth in )Tj 11.89 0 0 11.89 330.24 632.88 Tm (Paragrph 22 are )Tj 11.07 0 0 11.07 408.48 632.88 Tm (false or misleading )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.16 0 0 11.16 74.64 605.76 Tm (and constitute deceptive acts oLpra\001)Tj 10.56 0 0 10.56 237.12 606 Tm (tic )Tj 11.14 0 0 11.14 253.68 605.76 Tm (s in violation of Section 5\(a\) of the FTC Act)Tj 11.71 0 0 11.71 452.16 606 Tm (, 15 US. )Tj 10.98 0 0 10.98 79.68 578.64 Tm (45\(a\). )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 14 0 0 14 268.32 551.52 Tm (COUN V\001)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 108 524.16 Tm (25. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.06 0 0 11.06 141.84 524.16 Tm (In numerous instances)Tj 11.15 0 0 11.15 241.68 524.16 Tm (, in connection with the collection of debts)Tj /T1_0 1 Tf 9.74 0 0 9.74 432.72 524.4 Tm (, Defendants )Tj /T1_1 1 Tf 11.19 0 0 11.19 73.92 496.56 Tm (have made the following representations)Tj 11.04 0 0 11.04 256.32 496.8 Tm (, expressly or by implication)Tj /T1_0 1 Tf 9.91 0 0 9.91 383.28 496.8 Tm (, regarding actions that the )Tj 10.18 0 0 10.18 73.68 469.44 Tm (Defendants intend to take if the debt is not paid: )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.16 0 0 10.16 141.84 442.8 Tm (\(a\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.44 0 0 11.44 174.48 442.8 Tm (the debt wil be reported to a credit )Tj 11.13 0 0 11.13 334.56 442.8 Tm (bureau if the debt is not paid; and )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.29 0 0 10.29 141.6 414 Tm (\(b\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.36 0 0 11.36 174.48 415.92 Tm (legal proceedings wil be initiated against )Tj 11.16 0 0 11.16 363.12 415.92 Tm (the consumer if the debt is not )Tj 11.08 0 0 11.08 174.24 389.04 Tm (paid. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 107.04 362.16 Tm (26.\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.13 0 0 11.13 140.88 362.16 Tm (In truth and in fact)Tj 11.07 0 0 11.07 224.4 362.4 Tm (, in numerous of these instances: )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.38 0 0 10.38 141.12 335.28 Tm (\(a\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.19 0 0 11.19 173.76 335.28 Tm (Defendants did not report the debt that was not paid to a credit )Tj /T1_2 1 Tf 8.76 0 0 8.76 456.24 335.28 Tm (burau; and )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.5 0 0 10.5 141.12 308.16 Tm (\(b\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.16 0 0 11.16 173.76 308.4 Tm (Defendants did not initiate legal proceedings against the consumer if th\ e )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.99 0 0 9.99 173.76 281.28 Tm (debt was not paid. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 106.8 253.44 Tm (27. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.23 0 0 11.23 140.16 253.68 Tm (Therefore, the representations set )Tj /T1_2 1 Tf 7.58 0 0 7.58 292.56 253.68 Tm (fort in Paragraph 25 are )Tj /T1_1 1 Tf 11.1 0 0 11.1 406.32 253.92 Tm (false or misleading )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.2 0 0 11.2 72.72 225.84 Tm (and constitute deceptive acts or practices in violation of Section )Tj 11.13 0 0 11.13 361.44 226.08 Tm (Sea\) of the FTC Act, 15 US. )Tj 10.66 0 0 10.66 73.2 196.56 Tm (945\(a\). )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 9.02 0 0 9.02 244.8 78.96 Tm (Complaint - Page 8 of 12 )Tj ET EMC endstream endobj 1046 0 obj<> endobj 1047 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /P <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 110.64 736.32 Tm (Case 4:06-cv-)Tj 9.89 0 0 9.89 180.96 736.32 Tm (021 02 )Tj 11.03 0 0 11.03 228.48 736.56 Tm (Document 1-)Tj 11.08 0 0 11.08 314.88 736.56 Tm (Filed 06/22/2006 )Tj 11 0 0 11 414.72 736.56 Tm (Page 8 of 12 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.16 0 0 10.16 143.04 686.4 Tm (\(c\)\001)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.19 0 0 11.19 175.68 686.64 Tm (Defendants do not possess documentation establishing that the debt is a \ )Tj 11.15 0 0 11.15 176.16 659.52 Tm (valid debt of the consumer. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 108.72 632.88 Tm (24. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.96 0 0 10.96 142.32 632.88 Tm (Therefore)Tj 11.18 0 0 11.18 186.48 633.12 Tm (, the representations set forth in )Tj 11.89 0 0 11.89 330.24 632.88 Tm (Paragrph 22 are )Tj 11.07 0 0 11.07 408.48 632.88 Tm (false or misleading )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.16 0 0 11.16 74.64 605.76 Tm (and constitute deceptive acts oLpra\001)Tj 10.56 0 0 10.56 237.12 606 Tm (tic )Tj 11.14 0 0 11.14 253.68 605.76 Tm (s in violation of Section 5\(a\) of the FTC Act)Tj 11.71 0 0 11.71 452.16 606 Tm (, 15 US. )Tj 10.98 0 0 10.98 79.68 578.64 Tm (45\(a\). )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 14 0 0 14 268.32 551.52 Tm (COUN V\001)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 108 524.16 Tm (25. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.06 0 0 11.06 141.84 524.16 Tm (In numerous instances)Tj 11.15 0 0 11.15 241.68 524.16 Tm (, in connection with the collection of debts)Tj /T1_0 1 Tf 9.74 0 0 9.74 432.72 524.4 Tm (, Defendants )Tj /T1_1 1 Tf 11.19 0 0 11.19 73.92 496.56 Tm (have made the following representations)Tj 11.04 0 0 11.04 256.32 496.8 Tm (, expressly or by implication)Tj /T1_0 1 Tf 9.91 0 0 9.91 383.28 496.8 Tm (, regarding actions that the )Tj 10.18 0 0 10.18 73.68 469.44 Tm (Defendants intend to take if the debt is not paid: )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.16 0 0 10.16 141.84 442.8 Tm (\(a\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.44 0 0 11.44 174.48 442.8 Tm (the debt wil be reported to a credit )Tj 11.13 0 0 11.13 334.56 442.8 Tm (bureau if the debt is not paid; and )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.29 0 0 10.29 141.6 414 Tm (\(b\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.36 0 0 11.36 174.48 415.92 Tm (legal proceedings wil be initiated against )Tj 11.16 0 0 11.16 363.12 415.92 Tm (the consumer if the debt is not )Tj 11.08 0 0 11.08 174.24 389.04 Tm (paid. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 107.04 362.16 Tm (26.\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.13 0 0 11.13 140.88 362.16 Tm (In truth and in fact)Tj 11.07 0 0 11.07 224.4 362.4 Tm (, in numerous of these instances: )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.38 0 0 10.38 141.12 335.28 Tm (\(a\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.19 0 0 11.19 173.76 335.28 Tm (Defendants did not report the debt that was not paid to a credit )Tj /T1_2 1 Tf 8.76 0 0 8.76 456.24 335.28 Tm (burau; and )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.5 0 0 10.5 141.12 308.16 Tm (\(b\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.16 0 0 11.16 173.76 308.4 Tm (Defendants did not initiate legal proceedings against the consumer if th\ e )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.99 0 0 9.99 173.76 281.28 Tm (debt was not paid. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 106.8 253.44 Tm (27. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.23 0 0 11.23 140.16 253.68 Tm (Therefore, the representations set )Tj /T1_2 1 Tf 7.58 0 0 7.58 292.56 253.68 Tm (fort in Paragraph 25 are )Tj /T1_1 1 Tf 11.1 0 0 11.1 406.32 253.92 Tm (false or misleading )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.2 0 0 11.2 72.72 225.84 Tm (and constitute deceptive acts or practices in violation of Section )Tj 11.13 0 0 11.13 361.44 226.08 Tm (Sea\) of the FTC Act, 15 US. )Tj 10.66 0 0 10.66 73.2 196.56 Tm (945\(a\). )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 9.02 0 0 9.02 244.8 78.96 Tm (Complaint - Page 8 of 12 )Tj ET EMC endstream endobj 1048 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /P <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 110.64 736.32 Tm (Case 4:06-cv-)Tj 9.89 0 0 9.89 180.96 736.32 Tm (021 02 )Tj 11.03 0 0 11.03 228.48 736.56 Tm (Document 1-)Tj 11.08 0 0 11.08 314.88 736.56 Tm (Filed 06/22/2006 )Tj 11 0 0 11 414.72 736.56 Tm (Page 8 of 12 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.16 0 0 10.16 143.04 686.4 Tm (\(c\)\001)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.19 0 0 11.19 175.68 686.64 Tm (Defendants do not possess documentation establishing that the debt is a \ )Tj 11.15 0 0 11.15 176.16 659.52 Tm (valid debt of the consumer. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 108.72 632.88 Tm (24. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.96 0 0 10.96 142.32 632.88 Tm (Therefore)Tj 11.18 0 0 11.18 186.48 633.12 Tm (, the representations set forth in )Tj 11.89 0 0 11.89 330.24 632.88 Tm (Paragrph 22 are )Tj 11.07 0 0 11.07 408.48 632.88 Tm (false or misleading )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.16 0 0 11.16 74.64 605.76 Tm (and constitute deceptive acts oLpra\001)Tj 10.56 0 0 10.56 237.12 606 Tm (tic )Tj 11.14 0 0 11.14 253.68 605.76 Tm (s in violation of Section 5\(a\) of the FTC Act)Tj 11.71 0 0 11.71 452.16 606 Tm (, 15 US. )Tj 10.98 0 0 10.98 79.68 578.64 Tm (45\(a\). )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 14 0 0 14 268.32 551.52 Tm (COUN V\001)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 108 524.16 Tm (25. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.06 0 0 11.06 141.84 524.16 Tm (In numerous instances)Tj 11.15 0 0 11.15 241.68 524.16 Tm (, in connection with the collection of debts)Tj /T1_0 1 Tf 9.74 0 0 9.74 432.72 524.4 Tm (, Defendants )Tj /T1_1 1 Tf 11.19 0 0 11.19 73.92 496.56 Tm (have made the following representations)Tj 11.04 0 0 11.04 256.32 496.8 Tm (, expressly or by implication)Tj /T1_0 1 Tf 9.91 0 0 9.91 383.28 496.8 Tm (, regarding actions that the )Tj 10.18 0 0 10.18 73.68 469.44 Tm (Defendants intend to take if the debt is not paid: )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.16 0 0 10.16 141.84 442.8 Tm (\(a\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.44 0 0 11.44 174.48 442.8 Tm (the debt wil be reported to a credit )Tj 11.13 0 0 11.13 334.56 442.8 Tm (bureau if the debt is not paid; and )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.29 0 0 10.29 141.6 414 Tm (\(b\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.36 0 0 11.36 174.48 415.92 Tm (legal proceedings wil be initiated against )Tj 11.16 0 0 11.16 363.12 415.92 Tm (the consumer if the debt is not )Tj 11.08 0 0 11.08 174.24 389.04 Tm (paid. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 107.04 362.16 Tm (26.\001)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.13 0 0 11.13 140.88 362.16 Tm (In truth and in fact)Tj 11.07 0 0 11.07 224.4 362.4 Tm (, in numerous of these instances: )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.38 0 0 10.38 141.12 335.28 Tm (\(a\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.19 0 0 11.19 173.76 335.28 Tm (Defendants did not report the debt that was not paid to a credit )Tj /T1_2 1 Tf 8.76 0 0 8.76 456.24 335.28 Tm (burau; and )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.5 0 0 10.5 141.12 308.16 Tm (\(b\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.16 0 0 11.16 173.76 308.4 Tm (Defendants did not initiate legal proceedings against the consumer if th\ e )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.99 0 0 9.99 173.76 281.28 Tm (debt was not paid. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 106.8 253.44 Tm (27. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.23 0 0 11.23 140.16 253.68 Tm (Therefore, the representations set )Tj /T1_2 1 Tf 7.58 0 0 7.58 292.56 253.68 Tm (fort in Paragraph 25 are )Tj /T1_1 1 Tf 11.1 0 0 11.1 406.32 253.92 Tm (false or misleading )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.2 0 0 11.2 72.72 225.84 Tm (and constitute deceptive acts or practices in violation of Section )Tj 11.13 0 0 11.13 361.44 226.08 Tm (Sea\) of the FTC Act, 15 US. )Tj 10.66 0 0 10.66 73.2 196.56 Tm (945\(a\). )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 9.02 0 0 9.02 244.8 78.96 Tm (Complaint - Page 8 of 12 )Tj ET EMC endstream endobj 1049 0 obj<> endobj 1050 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /P <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 110.64 736.32 Tm (Case 4:06-cv-)Tj 9.89 0 0 9.89 180.96 736.32 Tm (021 02 )Tj 11.03 0 0 11.03 228.48 736.56 Tm (Document 1-)Tj 11.08 0 0 11.08 314.88 736.56 Tm (Filed 06/22/2006 )Tj 11 0 0 11 414.72 736.56 Tm (Page 8 of 12 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.16 0 0 10.16 143.04 686.4 Tm (\(c\)\001)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.19 0 0 11.19 175.68 686.64 Tm (Defendants do not possess documentation establishing that the debt is a \ )Tj 11.15 0 0 11.15 176.16 659.52 Tm (valid debt of the consumer. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 108.72 632.88 Tm (24. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.96 0 0 10.96 142.32 632.88 Tm (Therefore)Tj 11.18 0 0 11.18 186.48 633.12 Tm (, the representations set forth in )Tj 11.89 0 0 11.89 330.24 632.88 Tm (Paragrph 22 are )Tj 11.07 0 0 11.07 408.48 632.88 Tm (false or misleading )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.16 0 0 11.16 74.64 605.76 Tm (and constitute deceptive acts oLpra\001)Tj 10.56 0 0 10.56 237.12 606 Tm (tic )Tj 11.14 0 0 11.14 253.68 605.76 Tm (s in violation of Section 5\(a\) of the FTC Act)Tj 11.71 0 0 11.71 452.16 606 Tm (, 15 US. )Tj 10.98 0 0 10.98 79.68 578.64 Tm (45\(a\). )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 14 0 0 14 268.32 551.52 Tm (COUN V\001)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 108 524.16 Tm (25. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.06 0 0 11.06 141.84 524.16 Tm (In numerous instances)Tj 11.15 0 0 11.15 241.68 524.16 Tm (, in connection with the collection of debts)Tj /T1_0 1 Tf 9.74 0 0 9.74 432.72 524.4 Tm (, Defendants )Tj /T1_1 1 Tf 11.19 0 0 11.19 73.92 496.56 Tm (have made the following representations)Tj 11.04 0 0 11.04 256.32 496.8 Tm (, expressly or by implication)Tj /T1_0 1 Tf 9.91 0 0 9.91 383.28 496.8 Tm (, regarding actions that the )Tj 10.18 0 0 10.18 73.68 469.44 Tm (Defendants intend to take if the debt is not paid: )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.16 0 0 10.16 141.84 442.8 Tm (\(a\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.44 0 0 11.44 174.48 442.8 Tm (the debt wil be reported to a credit )Tj 11.13 0 0 11.13 334.56 442.8 Tm (bureau if the debt is not paid; and )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.29 0 0 10.29 141.6 414 Tm (\(b\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.36 0 0 11.36 174.48 415.92 Tm (legal proceedings wil be initiated against )Tj 11.16 0 0 11.16 363.12 415.92 Tm (the consumer if the debt is not )Tj 11.08 0 0 11.08 174.24 389.04 Tm (paid. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 107.04 362.16 Tm (26.\001)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.13 0 0 11.13 140.88 362.16 Tm (In truth and in fact)Tj 11.07 0 0 11.07 224.4 362.4 Tm (, in numerous of these instances: )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.38 0 0 10.38 141.12 335.28 Tm (\(a\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.19 0 0 11.19 173.76 335.28 Tm (Defendants did not report the debt that was not paid to a credit )Tj /T1_2 1 Tf 8.76 0 0 8.76 456.24 335.28 Tm (burau; and )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.5 0 0 10.5 141.12 308.16 Tm (\(b\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.16 0 0 11.16 173.76 308.4 Tm (Defendants did not initiate legal proceedings against the consumer if th\ e )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.99 0 0 9.99 173.76 281.28 Tm (debt was not paid. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 106.8 253.44 Tm (27. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.23 0 0 11.23 140.16 253.68 Tm (Therefore, the representations set )Tj /T1_2 1 Tf 7.58 0 0 7.58 292.56 253.68 Tm (fort in Paragraph 25 are )Tj /T1_1 1 Tf 11.1 0 0 11.1 406.32 253.92 Tm (false or misleading )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.2 0 0 11.2 72.72 225.84 Tm (and constitute deceptive acts or practices in violation of Section )Tj 11.13 0 0 11.13 361.44 226.08 Tm (Sea\) of the FTC Act, 15 US. )Tj 10.66 0 0 10.66 73.2 196.56 Tm (945\(a\). )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 9.02 0 0 9.02 244.8 78.96 Tm (Complaint - Page 8 of 12 )Tj ET EMC endstream endobj 1051 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /P <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 110.64 736.32 Tm (Case 4:06-cv-)Tj 9.89 0 0 9.89 180.96 736.32 Tm (021 02 )Tj 11.03 0 0 11.03 228.48 736.56 Tm (Document 1-)Tj 11.08 0 0 11.08 314.88 736.56 Tm (Filed 06/22/2006 )Tj 11 0 0 11 414.72 736.56 Tm (Page 8 of 12 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.16 0 0 10.16 143.04 686.4 Tm (\(c\)\001)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.19 0 0 11.19 175.68 686.64 Tm (Defendants do not possess documentation establishing that the debt is a \ )Tj 11.15 0 0 11.15 176.16 659.52 Tm (valid debt of the consumer. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 108.72 632.88 Tm (24. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.96 0 0 10.96 142.32 632.88 Tm (Therefore)Tj 11.18 0 0 11.18 186.48 633.12 Tm (, the representations set forth in )Tj 11.89 0 0 11.89 330.24 632.88 Tm (Paragrph 22 are )Tj 11.07 0 0 11.07 408.48 632.88 Tm (false or misleading )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.16 0 0 11.16 74.64 605.76 Tm (and constitute deceptive acts oLpra\001)Tj 10.56 0 0 10.56 237.12 606 Tm (tic )Tj 11.14 0 0 11.14 253.68 605.76 Tm (s in violation of Section 5\(a\) of the FTC Act)Tj 11.71 0 0 11.71 452.16 606 Tm (, 15 US. )Tj 10.98 0 0 10.98 79.68 578.64 Tm (45\(a\). )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 14 0 0 14 268.32 551.52 Tm (COUN V\001)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 108 524.16 Tm (25. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.06 0 0 11.06 141.84 524.16 Tm (In numerous instances)Tj 11.15 0 0 11.15 241.68 524.16 Tm (, in connection with the collection of debts)Tj /T1_0 1 Tf 9.74 0 0 9.74 432.72 524.4 Tm (, Defendants )Tj /T1_1 1 Tf 11.19 0 0 11.19 73.92 496.56 Tm (have made the following representations)Tj 11.04 0 0 11.04 256.32 496.8 Tm (, expressly or by implication)Tj /T1_0 1 Tf 9.91 0 0 9.91 383.28 496.8 Tm (, regarding actions that the )Tj 10.18 0 0 10.18 73.68 469.44 Tm (Defendants intend to take if the debt is not paid: )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.16 0 0 10.16 141.84 442.8 Tm (\(a\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.44 0 0 11.44 174.48 442.8 Tm (the debt wil be reported to a credit )Tj 11.13 0 0 11.13 334.56 442.8 Tm (bureau if the debt is not paid; and )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.29 0 0 10.29 141.6 414 Tm (\(b\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.36 0 0 11.36 174.48 415.92 Tm (legal proceedings wil be initiated against )Tj 11.16 0 0 11.16 363.12 415.92 Tm (the consumer if the debt is not )Tj 11.08 0 0 11.08 174.24 389.04 Tm (paid. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 107.04 362.16 Tm (26.\001)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.13 0 0 11.13 140.88 362.16 Tm (In truth and in fact)Tj 11.07 0 0 11.07 224.4 362.4 Tm (, in numerous of these instances: )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.38 0 0 10.38 141.12 335.28 Tm (\(a\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.19 0 0 11.19 173.76 335.28 Tm (Defendants did not report the debt that was not paid to a credit )Tj /T1_2 1 Tf 8.76 0 0 8.76 456.24 335.28 Tm (burau; and )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.5 0 0 10.5 141.12 308.16 Tm (\(b\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.16 0 0 11.16 173.76 308.4 Tm (Defendants did not initiate legal proceedings against the consumer if th\ e )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.99 0 0 9.99 173.76 281.28 Tm (debt was not paid. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 106.8 253.44 Tm (27. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.23 0 0 11.23 140.16 253.68 Tm (Therefore, the representations set )Tj /T1_2 1 Tf 7.58 0 0 7.58 292.56 253.68 Tm (fort in Paragraph 25 are )Tj /T1_1 1 Tf 11.1 0 0 11.1 406.32 253.92 Tm (false or misleading )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.2 0 0 11.2 72.72 225.84 Tm (and constitute deceptive acts or practices in violation of Section )Tj 11.13 0 0 11.13 361.44 226.08 Tm (Sea\) of the FTC Act, 15 US. )Tj 10.66 0 0 10.66 73.2 196.56 Tm (945\(a\). )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 9.02 0 0 9.02 244.8 78.96 Tm (Complaint - Page 8 of 12 )Tj ET EMC endstream endobj 1052 0 obj<> endobj 1053 0 obj<> endobj 1054 0 obj<> endobj 1055 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /P <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 110.64 736.32 Tm (Case 4:06-cv-)Tj 9.89 0 0 9.89 180.96 736.32 Tm (021 02 )Tj 11.03 0 0 11.03 228.48 736.56 Tm (Document 1-)Tj 11.08 0 0 11.08 314.88 736.56 Tm (Filed 06/22/2006 )Tj 11 0 0 11 414.72 736.56 Tm (Page 9 of 12 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.87 0 0 11.87 151.92 687.36 Tm (CIVIL PENALTIES FOR VIOLATIONS OF THE FDCPA )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.18 0 0 10.18 110.64 660.96 Tm (28. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.19 0 0 11.19 143.52 660.96 Tm (Defendants have violated the FDCPA as described above)Tj 11.16 0 0 11.16 400.8 660.72 Tm (, with actual knowledge )Tj 11.15 0 0 11.15 76.8 633.12 Tm (or knowledge fairly-implied on the basis of objective circumstances, as \ set forth in Section )Tj 11.32 0 0 11.32 76.8 606.24 Tm (5\(m\)\(I\)\(A\) of the FTC Act)Tj 10.56 0 0 10.56 198 606.24 Tm (, 15_)Tj 12.56 0 0 12.56 216.96 606.24 Tm (US.)Tj 11.39 0 0 11.39 236.88 606 Tm (C. g 45\(m\)\(I\)\(A\). . )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 9.99 0 0 9.99 110.16 579.12 Tm (29. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 10.95 0 0 10.95 143.04 579.12 Tm (Each instace within five )Tj /T1_1 1 Tf 11.36 0 0 11.36 259.92 579.12 Tm (years preceding the fiing of this Complaint)Tj 11.06 0 0 11.06 455.28 579.12 Tm (, in which )Tj 11.02 0 0 11.02 76.32 552 Tm (each Defendant has failed to comply with the FDCP )Tj 11.2 0 0 11.2 309.12 551.76 Tm (A in one or more of the ways described )Tj 10.96 0 0 10.96 76.32 524.64 Tm (above)Tj 11.18 0 0 11.18 102.96 524.64 Tm (, constitutes a separate violation for which Plaintiff seeks )Tj /T1_0 1 Tf 11.45 0 0 11.45 361.2 524.64 Tm (monetar civil )Tj /T1_1 1 Tf 11.1 0 0 11.1 428.64 524.64 Tm (penalties. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.18 0 0 10.18 109.68 497.52 Tm (30. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 10.56 0 0 10.56 143.04 497.52 Tm (Section 5\(m\)\(1\)\(A\) of the FTC Act, 15 US.)Tj /T1_1 1 Tf 11.4 0 0 11.4 339.84 497.52 Tm (C. 9 45\(m\)\(l\)\(A\), authorizes the )Tj 11.18 0 0 11.18 75.84 470.64 Tm (Court to award )Tj /T1_0 1 Tf 12.14 0 0 12.14 145.68 470.88 Tm (moneta civil )Tj /T1_1 1 Tf 11.11 0 0 11.11 213.12 470.88 Tm (penalties of not more than $11,)Tj 11.24 0 0 11.24 351.84 470.64 Tm (000 for each violation of the )Tj 10.31 0 0 10.31 75.12 443.76 Tm (FDCP A. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.84 0 0 11.84 112.8 416.64 Tm (INJUNCTION FOR VIOLATIONS OF THE FDCPA AND THE FTC ACT )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.18 0 0 10.18 108.96 389.52 Tm (31. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.37 0 0 11.37 142.08 389.52 Tm (Under Section l3\(b\) of the FTC Act)Tj 11.64 0 0 11.64 304.8 389.52 Tm (, 15 US.)Tj /T1_0 1 Tf 10.45 0 0 10.45 343.92 389.52 Tm (C. 9 53\(b\), ths Court is authorized to )Tj /T1_1 1 Tf 11.14 0 0 11.14 75.12 362.16 Tm (issue a permanent injunction to ensure that Defendants will not continue\ to violate the FDCP )Tj 11.03 0 0 11.03 75.12 335.52 Tm (and the FTC Act. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.38 0 0 11.38 234.24 308.88 Tm (PRA YER FOR )Tj 12.25 0 0 12.25 309.84 308.64 Tm (RELIEF )Tj 12.44 0 0 12.44 108 281.76 Tm (WhrefORE)Tj /T1_0 1 Tf 10.54 0 0 10.54 177.12 281.52 Tm (, Plaintiff respectfully requests that this Court, acting pursuant to 15\ )Tj ET EMC /LI_Label <>BDC BT /T1_2 1 Tf 7.72 0 0 7.72 94.32 254.64 Tm (C.)Tj ET EMC /LI_Title <>BDC BT /T1_2 1 Tf 7.72 0 0 7.72 103.584 254.64 Tm ( gg 45\(m\)\(1\)\(A\), 53\(b\), 16921)Tj /T1_1 1 Tf 11.05 0 0 11.05 238.56 254.4 Tm (, and its own equitable powers: )Tj 11.17 0 0 11.17 141.12 227.28 Tm (Enter judgment against Defendants and in favor of Plaintiff for each vio\ lation' )Tj 11.12 0 0 11.12 141.36 199.44 Tm (alleged in this Complaint; )Tj 10.78 0 0 10.78 141.12 172.08 Tm (A ward Plaintiff )Tj /T1_0 1 Tf 11.49 0 0 11.49 213.84 172.08 Tm (monetar civil )Tj /T1_1 1 Tf 11.02 0 0 11.02 281.52 171.84 Tm (penalties for each violation of the FDCP A )Tj 11.41 0 0 11.41 141.12 144.96 Tm (occurrng within the five years )Tj 11.16 0 0 11.16 280.8 144.96 Tm (preceding the filing of this Complaint; )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 8.97 0 0 8.97 246 78.96 Tm (Complaint - Page 9 of 12 )Tj ET EMC endstream endobj 1056 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /P <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 110.64 736.32 Tm (Case 4:06-cv-)Tj 9.89 0 0 9.89 180.96 736.32 Tm (021 02 )Tj 11.03 0 0 11.03 228.48 736.56 Tm (Document 1-)Tj 11.08 0 0 11.08 314.88 736.56 Tm (Filed 06/22/2006 )Tj 11 0 0 11 414.72 736.56 Tm (Page 9 of 12 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.87 0 0 11.87 151.92 687.36 Tm (CIVIL PENALTIES FOR VIOLATIONS OF THE FDCPA )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.18 0 0 10.18 110.64 660.96 Tm (28. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.19 0 0 11.19 143.52 660.96 Tm (Defendants have violated the FDCPA as described above)Tj 11.16 0 0 11.16 400.8 660.72 Tm (, with actual knowledge )Tj 11.15 0 0 11.15 76.8 633.12 Tm (or knowledge fairly-implied on the basis of objective circumstances, as \ set forth in Section )Tj 11.32 0 0 11.32 76.8 606.24 Tm (5\(m\)\(I\)\(A\) of the FTC Act)Tj 10.56 0 0 10.56 198 606.24 Tm (, 15_)Tj 12.56 0 0 12.56 216.96 606.24 Tm (US.)Tj 11.39 0 0 11.39 236.88 606 Tm (C. g 45\(m\)\(I\)\(A\). . )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 9.99 0 0 9.99 110.16 579.12 Tm (29. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 10.95 0 0 10.95 143.04 579.12 Tm (Each instace within five )Tj /T1_1 1 Tf 11.36 0 0 11.36 259.92 579.12 Tm (years preceding the fiing of this Complaint)Tj 11.06 0 0 11.06 455.28 579.12 Tm (, in which )Tj 11.02 0 0 11.02 76.32 552 Tm (each Defendant has failed to comply with the FDCP )Tj 11.2 0 0 11.2 309.12 551.76 Tm (A in one or more of the ways described )Tj 10.96 0 0 10.96 76.32 524.64 Tm (above)Tj 11.18 0 0 11.18 102.96 524.64 Tm (, constitutes a separate violation for which Plaintiff seeks )Tj /T1_0 1 Tf 11.45 0 0 11.45 361.2 524.64 Tm (monetar civil )Tj /T1_1 1 Tf 11.1 0 0 11.1 428.64 524.64 Tm (penalties. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.18 0 0 10.18 109.68 497.52 Tm (30. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.56 0 0 10.56 143.04 497.52 Tm (Section 5\(m\)\(1\)\(A\) of the FTC Act, 15 US.)Tj /T1_1 1 Tf 11.4 0 0 11.4 339.84 497.52 Tm (C. 9 45\(m\)\(l\)\(A\), authorizes the )Tj 11.18 0 0 11.18 75.84 470.64 Tm (Court to award )Tj /T1_0 1 Tf 12.14 0 0 12.14 145.68 470.88 Tm (moneta civil )Tj /T1_1 1 Tf 11.11 0 0 11.11 213.12 470.88 Tm (penalties of not more than $11,)Tj 11.24 0 0 11.24 351.84 470.64 Tm (000 for each violation of the )Tj 10.31 0 0 10.31 75.12 443.76 Tm (FDCP A. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.84 0 0 11.84 112.8 416.64 Tm (INJUNCTION FOR VIOLATIONS OF THE FDCPA AND THE FTC ACT )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.18 0 0 10.18 108.96 389.52 Tm (31. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.37 0 0 11.37 142.08 389.52 Tm (Under Section l3\(b\) of the FTC Act)Tj 11.64 0 0 11.64 304.8 389.52 Tm (, 15 US.)Tj /T1_0 1 Tf 10.45 0 0 10.45 343.92 389.52 Tm (C. 9 53\(b\), ths Court is authorized to )Tj /T1_1 1 Tf 11.14 0 0 11.14 75.12 362.16 Tm (issue a permanent injunction to ensure that Defendants will not continue\ to violate the FDCP )Tj 11.03 0 0 11.03 75.12 335.52 Tm (and the FTC Act. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.38 0 0 11.38 234.24 308.88 Tm (PRA YER FOR )Tj 12.25 0 0 12.25 309.84 308.64 Tm (RELIEF )Tj 12.44 0 0 12.44 108 281.76 Tm (WhrefORE)Tj /T1_0 1 Tf 10.54 0 0 10.54 177.12 281.52 Tm (, Plaintiff respectfully requests that this Court, acting pursuant to 15\ )Tj ET EMC /LI_Label <>BDC BT /T1_2 1 Tf 7.72 0 0 7.72 94.32 254.64 Tm (C.)Tj ET EMC /LI_Title <>BDC BT /T1_2 1 Tf 7.72 0 0 7.72 103.584 254.64 Tm ( gg 45\(m\)\(1\)\(A\), 53\(b\), 16921)Tj /T1_1 1 Tf 11.05 0 0 11.05 238.56 254.4 Tm (, and its own equitable powers: )Tj 11.17 0 0 11.17 141.12 227.28 Tm (Enter judgment against Defendants and in favor of Plaintiff for each vio\ lation' )Tj 11.12 0 0 11.12 141.36 199.44 Tm (alleged in this Complaint; )Tj 10.78 0 0 10.78 141.12 172.08 Tm (A ward Plaintiff )Tj /T1_0 1 Tf 11.49 0 0 11.49 213.84 172.08 Tm (monetar civil )Tj /T1_1 1 Tf 11.02 0 0 11.02 281.52 171.84 Tm (penalties for each violation of the FDCP A )Tj 11.41 0 0 11.41 141.12 144.96 Tm (occurrng within the five years )Tj 11.16 0 0 11.16 280.8 144.96 Tm (preceding the filing of this Complaint; )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 8.97 0 0 8.97 246 78.96 Tm (Complaint - Page 9 of 12 )Tj ET EMC endstream endobj 1057 0 obj<> endobj 1058 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /P <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 110.64 736.32 Tm (Case 4:06-cv-)Tj 9.89 0 0 9.89 180.96 736.32 Tm (021 02 )Tj 11.03 0 0 11.03 228.48 736.56 Tm (Document 1-)Tj 11.08 0 0 11.08 314.88 736.56 Tm (Filed 06/22/2006 )Tj 11 0 0 11 414.72 736.56 Tm (Page 9 of 12 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.87 0 0 11.87 151.92 687.36 Tm (CIVIL PENALTIES FOR VIOLATIONS OF THE FDCPA )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.18 0 0 10.18 110.64 660.96 Tm (28. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.19 0 0 11.19 143.52 660.96 Tm (Defendants have violated the FDCPA as described above)Tj 11.16 0 0 11.16 400.8 660.72 Tm (, with actual knowledge )Tj 11.15 0 0 11.15 76.8 633.12 Tm (or knowledge fairly-implied on the basis of objective circumstances, as \ set forth in Section )Tj 11.32 0 0 11.32 76.8 606.24 Tm (5\(m\)\(I\)\(A\) of the FTC Act)Tj 10.56 0 0 10.56 198 606.24 Tm (, 15_)Tj 12.56 0 0 12.56 216.96 606.24 Tm (US.)Tj 11.39 0 0 11.39 236.88 606 Tm (C. g 45\(m\)\(I\)\(A\). . )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 9.99 0 0 9.99 110.16 579.12 Tm (29. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 10.95 0 0 10.95 143.04 579.12 Tm (Each instace within five )Tj /T1_1 1 Tf 11.36 0 0 11.36 259.92 579.12 Tm (years preceding the fiing of this Complaint)Tj 11.06 0 0 11.06 455.28 579.12 Tm (, in which )Tj 11.02 0 0 11.02 76.32 552 Tm (each Defendant has failed to comply with the FDCP )Tj 11.2 0 0 11.2 309.12 551.76 Tm (A in one or more of the ways described )Tj 10.96 0 0 10.96 76.32 524.64 Tm (above)Tj 11.18 0 0 11.18 102.96 524.64 Tm (, constitutes a separate violation for which Plaintiff seeks )Tj /T1_0 1 Tf 11.45 0 0 11.45 361.2 524.64 Tm (monetar civil )Tj /T1_1 1 Tf 11.1 0 0 11.1 428.64 524.64 Tm (penalties. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.18 0 0 10.18 109.68 497.52 Tm (30. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.56 0 0 10.56 143.04 497.52 Tm (Section 5\(m\)\(1\)\(A\) of the FTC Act, 15 US.)Tj /T1_1 1 Tf 11.4 0 0 11.4 339.84 497.52 Tm (C. 9 45\(m\)\(l\)\(A\), authorizes the )Tj 11.18 0 0 11.18 75.84 470.64 Tm (Court to award )Tj /T1_0 1 Tf 12.14 0 0 12.14 145.68 470.88 Tm (moneta civil )Tj /T1_1 1 Tf 11.11 0 0 11.11 213.12 470.88 Tm (penalties of not more than $11,)Tj 11.24 0 0 11.24 351.84 470.64 Tm (000 for each violation of the )Tj 10.31 0 0 10.31 75.12 443.76 Tm (FDCP A. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.84 0 0 11.84 112.8 416.64 Tm (INJUNCTION FOR VIOLATIONS OF THE FDCPA AND THE FTC ACT )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.18 0 0 10.18 108.96 389.52 Tm (31. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.37 0 0 11.37 142.08 389.52 Tm (Under Section l3\(b\) of the FTC Act)Tj 11.64 0 0 11.64 304.8 389.52 Tm (, 15 US.)Tj /T1_0 1 Tf 10.45 0 0 10.45 343.92 389.52 Tm (C. 9 53\(b\), ths Court is authorized to )Tj /T1_1 1 Tf 11.14 0 0 11.14 75.12 362.16 Tm (issue a permanent injunction to ensure that Defendants will not continue\ to violate the FDCP )Tj 11.03 0 0 11.03 75.12 335.52 Tm (and the FTC Act. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.38 0 0 11.38 234.24 308.88 Tm (PRA YER FOR )Tj 12.25 0 0 12.25 309.84 308.64 Tm (RELIEF )Tj 12.44 0 0 12.44 108 281.76 Tm (WhrefORE)Tj /T1_0 1 Tf 10.54 0 0 10.54 177.12 281.52 Tm (, Plaintiff respectfully requests that this Court, acting pursuant to 15\ )Tj ET EMC /LI_Label <>BDC BT /T1_2 1 Tf 7.72 0 0 7.72 94.32 254.64 Tm (C.)Tj ET EMC /LI_Title <>BDC BT /T1_2 1 Tf 7.72 0 0 7.72 103.584 254.64 Tm ( gg 45\(m\)\(1\)\(A\), 53\(b\), 16921)Tj /T1_1 1 Tf 11.05 0 0 11.05 238.56 254.4 Tm (, and its own equitable powers: )Tj 11.17 0 0 11.17 141.12 227.28 Tm (Enter judgment against Defendants and in favor of Plaintiff for each vio\ lation' )Tj 11.12 0 0 11.12 141.36 199.44 Tm (alleged in this Complaint; )Tj 10.78 0 0 10.78 141.12 172.08 Tm (A ward Plaintiff )Tj /T1_0 1 Tf 11.49 0 0 11.49 213.84 172.08 Tm (monetar civil )Tj /T1_1 1 Tf 11.02 0 0 11.02 281.52 171.84 Tm (penalties for each violation of the FDCP A )Tj 11.41 0 0 11.41 141.12 144.96 Tm (occurrng within the five years )Tj 11.16 0 0 11.16 280.8 144.96 Tm (preceding the filing of this Complaint; )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 8.97 0 0 8.97 246 78.96 Tm (Complaint - Page 9 of 12 )Tj ET EMC endstream endobj 1059 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /P <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 110.64 736.32 Tm (Case 4:06-cv-)Tj 9.89 0 0 9.89 180.96 736.32 Tm (021 02 )Tj 11.03 0 0 11.03 228.48 736.56 Tm (Document 1-)Tj 11.08 0 0 11.08 314.88 736.56 Tm (Filed 06/22/2006 )Tj 11 0 0 11 414.72 736.56 Tm (Page 9 of 12 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.87 0 0 11.87 151.92 687.36 Tm (CIVIL PENALTIES FOR VIOLATIONS OF THE FDCPA )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.18 0 0 10.18 110.64 660.96 Tm (28. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.19 0 0 11.19 143.52 660.96 Tm (Defendants have violated the FDCPA as described above)Tj 11.16 0 0 11.16 400.8 660.72 Tm (, with actual knowledge )Tj 11.15 0 0 11.15 76.8 633.12 Tm (or knowledge fairly-implied on the basis of objective circumstances, as \ set forth in Section )Tj 11.32 0 0 11.32 76.8 606.24 Tm (5\(m\)\(I\)\(A\) of the FTC Act)Tj 10.56 0 0 10.56 198 606.24 Tm (, 15_)Tj 12.56 0 0 12.56 216.96 606.24 Tm (US.)Tj 11.39 0 0 11.39 236.88 606 Tm (C. g 45\(m\)\(I\)\(A\). . )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 9.99 0 0 9.99 110.16 579.12 Tm (29. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 10.95 0 0 10.95 143.04 579.12 Tm (Each instace within five )Tj /T1_1 1 Tf 11.36 0 0 11.36 259.92 579.12 Tm (years preceding the fiing of this Complaint)Tj 11.06 0 0 11.06 455.28 579.12 Tm (, in which )Tj 11.02 0 0 11.02 76.32 552 Tm (each Defendant has failed to comply with the FDCP )Tj 11.2 0 0 11.2 309.12 551.76 Tm (A in one or more of the ways described )Tj 10.96 0 0 10.96 76.32 524.64 Tm (above)Tj 11.18 0 0 11.18 102.96 524.64 Tm (, constitutes a separate violation for which Plaintiff seeks )Tj /T1_0 1 Tf 11.45 0 0 11.45 361.2 524.64 Tm (monetar civil )Tj /T1_1 1 Tf 11.1 0 0 11.1 428.64 524.64 Tm (penalties. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.18 0 0 10.18 109.68 497.52 Tm (30. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.56 0 0 10.56 143.04 497.52 Tm (Section 5\(m\)\(1\)\(A\) of the FTC Act, 15 US.)Tj /T1_1 1 Tf 11.4 0 0 11.4 339.84 497.52 Tm (C. 9 45\(m\)\(l\)\(A\), authorizes the )Tj 11.18 0 0 11.18 75.84 470.64 Tm (Court to award )Tj /T1_0 1 Tf 12.14 0 0 12.14 145.68 470.88 Tm (moneta civil )Tj /T1_1 1 Tf 11.11 0 0 11.11 213.12 470.88 Tm (penalties of not more than $11,)Tj 11.24 0 0 11.24 351.84 470.64 Tm (000 for each violation of the )Tj 10.31 0 0 10.31 75.12 443.76 Tm (FDCP A. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.84 0 0 11.84 112.8 416.64 Tm (INJUNCTION FOR VIOLATIONS OF THE FDCPA AND THE FTC ACT )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.18 0 0 10.18 108.96 389.52 Tm (31. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.37 0 0 11.37 142.08 389.52 Tm (Under Section l3\(b\) of the FTC Act)Tj 11.64 0 0 11.64 304.8 389.52 Tm (, 15 US.)Tj /T1_0 1 Tf 10.45 0 0 10.45 343.92 389.52 Tm (C. 9 53\(b\), ths Court is authorized to )Tj /T1_1 1 Tf 11.14 0 0 11.14 75.12 362.16 Tm (issue a permanent injunction to ensure that Defendants will not continue\ to violate the FDCP )Tj 11.03 0 0 11.03 75.12 335.52 Tm (and the FTC Act. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.38 0 0 11.38 234.24 308.88 Tm (PRA YER FOR )Tj 12.25 0 0 12.25 309.84 308.64 Tm (RELIEF )Tj 12.44 0 0 12.44 108 281.76 Tm (WhrefORE)Tj /T1_0 1 Tf 10.54 0 0 10.54 177.12 281.52 Tm (, Plaintiff respectfully requests that this Court, acting pursuant to 15\ )Tj ET EMC /LI_Label <>BDC BT /T1_2 1 Tf 7.72 0 0 7.72 94.32 254.64 Tm (C.)Tj ET EMC /LI_Title <>BDC BT /T1_2 1 Tf 7.72 0 0 7.72 103.584 254.64 Tm ( gg 45\(m\)\(1\)\(A\), 53\(b\), 16921)Tj /T1_1 1 Tf 11.05 0 0 11.05 238.56 254.4 Tm (, and its own equitable powers: )Tj 11.17 0 0 11.17 141.12 227.28 Tm (Enter judgment against Defendants and in favor of Plaintiff for each vio\ lation' )Tj 11.12 0 0 11.12 141.36 199.44 Tm (alleged in this Complaint; )Tj 10.78 0 0 10.78 141.12 172.08 Tm (A ward Plaintiff )Tj /T1_0 1 Tf 11.49 0 0 11.49 213.84 172.08 Tm (monetar civil )Tj /T1_1 1 Tf 11.02 0 0 11.02 281.52 171.84 Tm (penalties for each violation of the FDCP A )Tj 11.41 0 0 11.41 141.12 144.96 Tm (occurrng within the five years )Tj 11.16 0 0 11.16 280.8 144.96 Tm (preceding the filing of this Complaint; )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 8.97 0 0 8.97 246 78.96 Tm (Complaint - Page 9 of 12 )Tj ET EMC endstream endobj 1060 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /P <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 110.64 736.32 Tm (Case 4:06-cv-)Tj 9.89 0 0 9.89 180.96 736.32 Tm (021 02 )Tj 11.03 0 0 11.03 228.48 736.56 Tm (Document 1-)Tj 11.08 0 0 11.08 314.88 736.56 Tm (Filed 06/22/2006 )Tj 11 0 0 11 414.72 736.56 Tm (Page 9 of 12 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.87 0 0 11.87 151.92 687.36 Tm (CIVIL PENALTIES FOR VIOLATIONS OF THE FDCPA )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.18 0 0 10.18 110.64 660.96 Tm (28. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.19 0 0 11.19 143.52 660.96 Tm (Defendants have violated the FDCPA as described above)Tj 11.16 0 0 11.16 400.8 660.72 Tm (, with actual knowledge )Tj 11.15 0 0 11.15 76.8 633.12 Tm (or knowledge fairly-implied on the basis of objective circumstances, as \ set forth in Section )Tj 11.32 0 0 11.32 76.8 606.24 Tm (5\(m\)\(I\)\(A\) of the FTC Act)Tj 10.56 0 0 10.56 198 606.24 Tm (, 15_)Tj 12.56 0 0 12.56 216.96 606.24 Tm (US.)Tj 11.39 0 0 11.39 236.88 606 Tm (C. g 45\(m\)\(I\)\(A\). . )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 9.99 0 0 9.99 110.16 579.12 Tm (29. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 10.95 0 0 10.95 143.04 579.12 Tm (Each instace within five )Tj /T1_1 1 Tf 11.36 0 0 11.36 259.92 579.12 Tm (years preceding the fiing of this Complaint)Tj 11.06 0 0 11.06 455.28 579.12 Tm (, in which )Tj 11.02 0 0 11.02 76.32 552 Tm (each Defendant has failed to comply with the FDCP )Tj 11.2 0 0 11.2 309.12 551.76 Tm (A in one or more of the ways described )Tj 10.96 0 0 10.96 76.32 524.64 Tm (above)Tj 11.18 0 0 11.18 102.96 524.64 Tm (, constitutes a separate violation for which Plaintiff seeks )Tj /T1_0 1 Tf 11.45 0 0 11.45 361.2 524.64 Tm (monetar civil )Tj /T1_1 1 Tf 11.1 0 0 11.1 428.64 524.64 Tm (penalties. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.18 0 0 10.18 109.68 497.52 Tm (30. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.56 0 0 10.56 143.04 497.52 Tm (Section 5\(m\)\(1\)\(A\) of the FTC Act, 15 US.)Tj /T1_1 1 Tf 11.4 0 0 11.4 339.84 497.52 Tm (C. 9 45\(m\)\(l\)\(A\), authorizes the )Tj 11.18 0 0 11.18 75.84 470.64 Tm (Court to award )Tj /T1_0 1 Tf 12.14 0 0 12.14 145.68 470.88 Tm (moneta civil )Tj /T1_1 1 Tf 11.11 0 0 11.11 213.12 470.88 Tm (penalties of not more than $11,)Tj 11.24 0 0 11.24 351.84 470.64 Tm (000 for each violation of the )Tj 10.31 0 0 10.31 75.12 443.76 Tm (FDCP A. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.84 0 0 11.84 112.8 416.64 Tm (INJUNCTION FOR VIOLATIONS OF THE FDCPA AND THE FTC ACT )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.18 0 0 10.18 108.96 389.52 Tm (31. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.37 0 0 11.37 142.08 389.52 Tm (Under Section l3\(b\) of the FTC Act)Tj 11.64 0 0 11.64 304.8 389.52 Tm (, 15 US.)Tj /T1_0 1 Tf 10.45 0 0 10.45 343.92 389.52 Tm (C. 9 53\(b\), ths Court is authorized to )Tj /T1_1 1 Tf 11.14 0 0 11.14 75.12 362.16 Tm (issue a permanent injunction to ensure that Defendants will not continue\ to violate the FDCP )Tj 11.03 0 0 11.03 75.12 335.52 Tm (and the FTC Act. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.38 0 0 11.38 234.24 308.88 Tm (PRA YER FOR )Tj 12.25 0 0 12.25 309.84 308.64 Tm (RELIEF )Tj 12.44 0 0 12.44 108 281.76 Tm (WhrefORE)Tj /T1_0 1 Tf 10.54 0 0 10.54 177.12 281.52 Tm (, Plaintiff respectfully requests that this Court, acting pursuant to 15\ )Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 7.72 0 0 7.72 94.32 254.64 Tm (C.)Tj ET EMC /LI_Title <>BDC BT /T1_2 1 Tf 7.72 0 0 7.72 103.584 254.64 Tm ( gg 45\(m\)\(1\)\(A\), 53\(b\), 16921)Tj /T1_1 1 Tf 11.05 0 0 11.05 238.56 254.4 Tm (, and its own equitable powers: )Tj 11.17 0 0 11.17 141.12 227.28 Tm (Enter judgment against Defendants and in favor of Plaintiff for each vio\ lation' )Tj 11.12 0 0 11.12 141.36 199.44 Tm (alleged in this Complaint; )Tj 10.78 0 0 10.78 141.12 172.08 Tm (A ward Plaintiff )Tj /T1_0 1 Tf 11.49 0 0 11.49 213.84 172.08 Tm (monetar civil )Tj /T1_1 1 Tf 11.02 0 0 11.02 281.52 171.84 Tm (penalties for each violation of the FDCP A )Tj 11.41 0 0 11.41 141.12 144.96 Tm (occurrng within the five years )Tj 11.16 0 0 11.16 280.8 144.96 Tm (preceding the filing of this Complaint; )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 8.97 0 0 8.97 246 78.96 Tm (Complaint - Page 9 of 12 )Tj ET EMC endstream endobj 1061 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /P <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 110.64 736.32 Tm (Case 4:06-cv-)Tj 9.89 0 0 9.89 180.96 736.32 Tm (021 02 )Tj 11.03 0 0 11.03 228.48 736.56 Tm (Document 1-)Tj 11.08 0 0 11.08 314.88 736.56 Tm (Filed 06/22/2006 )Tj 11 0 0 11 414.72 736.56 Tm (Page 9 of 12 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.87 0 0 11.87 151.92 687.36 Tm (CIVIL PENALTIES FOR VIOLATIONS OF THE FDCPA )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.18 0 0 10.18 110.64 660.96 Tm (28. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.19 0 0 11.19 143.52 660.96 Tm (Defendants have violated the FDCPA as described above)Tj 11.16 0 0 11.16 400.8 660.72 Tm (, with actual knowledge )Tj 11.15 0 0 11.15 76.8 633.12 Tm (or knowledge fairly-implied on the basis of objective circumstances, as \ set forth in Section )Tj 11.32 0 0 11.32 76.8 606.24 Tm (5\(m\)\(I\)\(A\) of the FTC Act)Tj 10.56 0 0 10.56 198 606.24 Tm (, 15_)Tj 12.56 0 0 12.56 216.96 606.24 Tm (US.)Tj 11.39 0 0 11.39 236.88 606 Tm (C. g 45\(m\)\(I\)\(A\). . )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 9.99 0 0 9.99 110.16 579.12 Tm (29. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 10.95 0 0 10.95 143.04 579.12 Tm (Each instace within five )Tj /T1_1 1 Tf 11.36 0 0 11.36 259.92 579.12 Tm (years preceding the fiing of this Complaint)Tj 11.06 0 0 11.06 455.28 579.12 Tm (, in which )Tj 11.02 0 0 11.02 76.32 552 Tm (each Defendant has failed to comply with the FDCP )Tj 11.2 0 0 11.2 309.12 551.76 Tm (A in one or more of the ways described )Tj 10.96 0 0 10.96 76.32 524.64 Tm (above)Tj 11.18 0 0 11.18 102.96 524.64 Tm (, constitutes a separate violation for which Plaintiff seeks )Tj /T1_0 1 Tf 11.45 0 0 11.45 361.2 524.64 Tm (monetar civil )Tj /T1_1 1 Tf 11.1 0 0 11.1 428.64 524.64 Tm (penalties. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.18 0 0 10.18 109.68 497.52 Tm (30. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.56 0 0 10.56 143.04 497.52 Tm (Section 5\(m\)\(1\)\(A\) of the FTC Act, 15 US.)Tj /T1_1 1 Tf 11.4 0 0 11.4 339.84 497.52 Tm (C. 9 45\(m\)\(l\)\(A\), authorizes the )Tj 11.18 0 0 11.18 75.84 470.64 Tm (Court to award )Tj /T1_0 1 Tf 12.14 0 0 12.14 145.68 470.88 Tm (moneta civil )Tj /T1_1 1 Tf 11.11 0 0 11.11 213.12 470.88 Tm (penalties of not more than $11,)Tj 11.24 0 0 11.24 351.84 470.64 Tm (000 for each violation of the )Tj 10.31 0 0 10.31 75.12 443.76 Tm (FDCP A. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.84 0 0 11.84 112.8 416.64 Tm (INJUNCTION FOR VIOLATIONS OF THE FDCPA AND THE FTC ACT )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.18 0 0 10.18 108.96 389.52 Tm (31. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.37 0 0 11.37 142.08 389.52 Tm (Under Section l3\(b\) of the FTC Act)Tj 11.64 0 0 11.64 304.8 389.52 Tm (, 15 US.)Tj /T1_0 1 Tf 10.45 0 0 10.45 343.92 389.52 Tm (C. 9 53\(b\), ths Court is authorized to )Tj /T1_1 1 Tf 11.14 0 0 11.14 75.12 362.16 Tm (issue a permanent injunction to ensure that Defendants will not continue\ to violate the FDCP )Tj 11.03 0 0 11.03 75.12 335.52 Tm (and the FTC Act. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.38 0 0 11.38 234.24 308.88 Tm (PRA YER FOR )Tj 12.25 0 0 12.25 309.84 308.64 Tm (RELIEF )Tj 12.44 0 0 12.44 108 281.76 Tm (WhrefORE)Tj /T1_0 1 Tf 10.54 0 0 10.54 177.12 281.52 Tm (, Plaintiff respectfully requests that this Court, acting pursuant to 15\ )Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 7.72 0 0 7.72 94.32 254.64 Tm (C.)Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 7.72 0 0 7.72 103.584 254.64 Tm ( gg 45\(m\)\(1\)\(A\), 53\(b\), 16921)Tj /T1_1 1 Tf 11.05 0 0 11.05 238.56 254.4 Tm (, and its own equitable powers: )Tj 11.17 0 0 11.17 141.12 227.28 Tm (Enter judgment against Defendants and in favor of Plaintiff for each vio\ lation' )Tj 11.12 0 0 11.12 141.36 199.44 Tm (alleged in this Complaint; )Tj 10.78 0 0 10.78 141.12 172.08 Tm (A ward Plaintiff )Tj /T1_0 1 Tf 11.49 0 0 11.49 213.84 172.08 Tm (monetar civil )Tj /T1_1 1 Tf 11.02 0 0 11.02 281.52 171.84 Tm (penalties for each violation of the FDCP A )Tj 11.41 0 0 11.41 141.12 144.96 Tm (occurrng within the five years )Tj 11.16 0 0 11.16 280.8 144.96 Tm (preceding the filing of this Complaint; )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 8.97 0 0 8.97 246 78.96 Tm (Complaint - Page 9 of 12 )Tj ET EMC endstream endobj 1062 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /P <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 107.52 736.32 Tm (Case 4:06-cv-)Tj 9.89 0 0 9.89 177.84 736.32 Tm (021 02 )Tj 11.03 0 0 11.03 225.36 736.56 Tm (Document 1-)Tj 11.08 0 0 11.08 311.76 736.56 Tm (Filed 06/22/2006 )Tj 11.06 0 0 11.06 411.6 736.56 Tm (Page 10 of 12 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.18 0 0 11.18 143.28 686.64 Tm (Order Defendants to include the following disclosure in each written )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.19 0 0 11.19 143.04 659.76 Tm (communication with consumers in connection with the collection of a debt\ : )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.84 0 0 10.84 176.16 632.64 Tm (The law requires us to stop contacting you about this debt if you write \ )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.45 0 0 11.45 175.92 619.2 Tm (to us and ask us to stop. However)Tj 10.95 0 0 10.95 330.24 618.96 Tm (, under the law)Tj 11.15 0 0 11.15 396.24 618.96 Tm (, we may )Tj /T1_2 1 Tf 7.05 0 0 7.05 439.68 619.2 Tm (stil contact )Tj /T1_1 1 Tf 10.72 0 0 10.72 494.64 619.2 Tm (you )Tj 10.32 0 0 10.32 176.16 605.28 Tm (for tWQ reasons: )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.37 0 0 7.37 210.48 577.92 Tm (. to advise )Tj /T1_1 1 Tf 11.14 0 0 11.14 263.52 577.92 Tm (you that we or your creditor intend\(s\) to pursue specific )Tj 11.43 0 0 11.43 209.28 564.24 Tm (remedies permtted by law; or )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.37 0 0 7.37 210.24 537.36 Tm (. to advise )Tj 7.31 0 0 7.31 263.28 537.36 Tm (you that our effort are being )Tj /T1_1 1 Tf 11.98 0 0 11.98 394.8 537.36 Tm (termnated. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.15 0 0 11.15 175.2 510.48 Tm (This law is enforced by the 鶹ý Trade )Tj /T1_0 1 Tf 10.56 0 0 10.56 364.08 510.48 Tm (Commssion, Washington)Tj /T1_1 1 Tf 10.27 0 0 10.27 482.16 510.72 Tm (, D. )Tj 10.91 0 0 10.91 175.44 497.04 Tm (20580. If you ,)Tj 11.21 0 0 11.21 240.96 497.04 Tm (have a complaint about the way we are collecting this debt )Tj /T1_0 1 Tf 10.26 0 0 10.26 175.2 482.88 Tm (you may write to the 鶹ý Trade Commssion)Tj 10.13 0 0 10.13 392.16 483.12 Tm (, Southwest Region)Tj /T1_1 1 Tf 10.85 0 0 10.85 480.72 483.12 Tm (, 1999 )Tj 10.03 0 0 10.03 175.2 469.44 Tm (Bryan..)Tj /T1_0 1 Tf 10.16 0 0 10.16 205.2 469.44 Tm (Stree, Suite 2150, Dallas, Texas 75201, )Tj /T1_2 1 Tf 7.82 0 0 7.82 387.6 469.44 Tm (fie your complaint online )Tj /T1_1 1 Tf 11.05 0 0 11.05 175.2 456.24 Tm (at www.)Tj 10.48 0 0 10.48 213.12 456.24 Tm (ftc.)Tj 10.88 0 0 10.88 227.76 456.24 Tm (gov)Tj 11.11 0 0 11.11 244.56 456.24 Tm (, or call the FTC at 1-)Tj 10.74 0 0 10.74 341.28 456.24 Tm (877-)Tj 11.18 0 0 11.18 360.96 456 Tm (FTC-)Tj 11 0 0 11 385.44 456.24 Tm (HELP. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.18 0 0 11.18 141.84 429.36 Tm (Order Defendant to provide the following notice to each employee having \ )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.13 0 0 11.13 141.6 402 Tm (responsibility with respect to the collection of debts)Tj 11.23 0 0 11.23 372.96 402.24 Tm (, no later than the time the )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.29 0 0 11.29 141.6 374.88 Tm (employee assumes responsibilty with respect to the collection of debts, \ and to )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.08 0 0 11.08 141.6 348.24 Tm (obtain from each such person a signed statement aGknowledging receipt of\ a copy )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 6.83 0 0 6.83 141.36 321.36 Tm (of the notice:\001)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.17 0 0 11.17 174 294.48 Tm (Debt collectors must comply with the federal )Tj 14.46 0 0 14.46 378.48 294.48 Tm (Fai )Tj 11.19 0 0 11.19 174 280.8 Tm (Debt Collection Practices Act, which limits your )Tj /T1_0 1 Tf 10.54 0 0 10.54 174.24 267.6 Tm (activities in )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 14.46 0 0 14.46 228.72 265.2 Tm (trng to )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11 0 0 11 270.48 267.84 Tm (collect money from )Tj /T1_0 1 Tf 10.32 0 0 10.32 174 253.68 Tm (consumers. Section 805 of the Act prohibits you )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.18 0 0 11.18 174 239.76 Tm (from contacting a consumer at work if you know or )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.4 0 0 10.4 174.24 225.84 Tm (should know it is inconvenient for the consumer. In )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.06 0 0 11.06 174.24 212.4 Tm (addition)Tj /T1_0 1 Tf 10.5 0 0 10.5 211.44 212.4 Tm (, Section 807 of the Act prohibits you from )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.15 0 0 11.15 173.76 198.48 Tm (representing or implying that any action, including )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.02 0 0 11.02 174 185.04 Tm (legal action)Tj 11.47 0 0 11.47 226.08 185.28 Tm (, wil be taken unless)Tj 11.08 0 0 11.08 320.64 185.28 Tm (, at the time of the )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.1 0 0 11.1 173.76 171.12 Tm (representation)Tj 11.15 0 0 11.15 237.36 171.12 Tm (, the action is lawful and there is a )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.3 0 0 10.3 173.76 157.44 Tm (clear intent to take the action. Further)Tj /T1_1 1 Tf 11.02 0 0 11.02 344.88 157.44 Tm (, Section 807 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.14 0 0 11.14 173.76 143.52 Tm (of the Act prohibits the use of any false )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.19 0 0 11.19 173.52 129.84 Tm (representation or deceptive means to collect or )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.17 0 0 11.17 173.76 116.16 Tm (attempt to collect any debt or to obtain information )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.49 0 0 10.49 173.52 102.72 Tm (concernng a consumer. Also)Tj /T1_1 1 Tf 11.08 0 0 11.08 307.44 102.72 Tm (, Section 809 prohibits )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 8.98 0 0 8.98 243.12 78.48 Tm (Complaint - Page 10 of 12 )Tj ET EMC endstream endobj 1063 0 obj<> endobj 1064 0 obj<> endobj 1065 0 obj<> endobj 1066 0 obj<> endobj 1067 0 obj<> endobj 1068 0 obj<> endobj 1069 0 obj<> endobj 1070 0 obj<> endobj 1071 0 obj<> endobj 1072 0 obj<> endobj 1073 0 obj<> endobj 1074 0 obj<> endobj 1075 0 obj<>stream /Artifact <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 6.75 0 0 6.75 390.96 768 Tm (""..)Tj 5 0 0 5 431.28 768 Tm ("- )Tj ET EMC /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /P <>BDC BT /T1_1 1 Tf 7.82 0 0 7.82 473.76 768 Tm (. \(: )Tj ET EMC /Artifact <>BDC BT /T1_1 1 Tf 11.14 0 0 11.14 110.64 736.32 Tm (Case 4:06-cv-)Tj 9.89 0 0 9.89 180.96 736.32 Tm (021 02 )Tj 11.03 0 0 11.03 228.48 736.56 Tm (Document 1-)Tj 11.08 0 0 11.08 314.88 736.56 Tm (Filed 06/22/2006 )Tj 11 0 0 11 414.72 736.56 Tm (Page 1 of 12 )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 12.11 0 0 12.11 202.08 687.12 Tm (UNTED STATES DISTRICT )Tj 11.61 0 0 11.61 351.12 687.36 Tm (COURT )Tj 12.03 0 0 12.03 180.96 673.92 Tm (FOR THE )Tj 15.47 0 0 15.47 233.76 673.68 Tm (SOUTRN )Tj 12.14 0 0 12.14 299.52 674.16 Tm (DISTRICT OF TEXASJI )Tj /T1_1 1 Tf 9.16 0 0 9.16 435.36 675.6 Tm (g SU1:&S COU )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 12.08 0 0 12.08 227.52 660.24 Tm (, HOUSTON )Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 5 0 0 5 300 660.48 Tm (DMSION )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.77 0 0 7.77 445.92 663.36 Tm (DISTRICT OF )Tj /T1_0 1 Tf 11.52 0 0 11.52 501.84 664.56 Tm (TEXS)Tj ET EMC /P <>BDC BT /T1_0 1 Tf 5 0 0 5 395.52 661.68 Tm (SOUTHERN )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.26 0 0 11.26 451.44 651.12 Tm (AlE9 )Tj /T1_2 1 Tf 10 0 0 10 430.56 631.68 Tm (JUN 2 2 )Tj /T1_0 1 Tf 9.84 0 0 9.84 478.56 632.88 Tm (2006 )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 5 0 0 5 390.72 600.72 Tm ("'1! )Tj 13.872 -0.912 Td ("I/ )Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 26.64 0 0 26.64 82.08 600 Tm (UN )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.92 0 0 11.92 127.2 600.24 Tm (STATES OF AMRICA )Tj /T1_2 1 Tf 5 0 0 5 420 600.24 Tm (:1 M r"" rl,, )Tj /T1_0 1 Tf 8.82 0 0 8.82 490.8 599.04 Tm (\( Of COURT )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.42 0 0 11.42 116.4 573.36 Tm (Plaintiff )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 19.88 0 0 19.88 81.36 519.12 Tm (WIWIG )Tj 14.66 0 0 14.66 151.44 519.36 Tm (FIANCIA )Tj 11.01 0 0 11.01 214.56 519.36 Tm (GROUP, INC. )Tj /T1_2 1 Tf 9.43 0 0 9.43 335.28 519.6 Tm (Cas No. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.98 0 0 10.98 81.36 492 Tm (CHRSTOPHER B. BADGER )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 14.2 0 0 14.2 81.12 464.88 Tm (LYNA )Tj 10.99 0 0 10.99 124.08 464.88 Tm (1. BADGER)Tj /T1_1 1 Tf 9.71 0 0 9.71 180.96 464.88 Tm (, and )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 29.5 0 0 29.5 338.16 460.32 Tm (B 86 )Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 31.41 0 0 31.41 449.52 467.76 Tm (210. )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.35 0 0 11.35 81.12 437.04 Tm (JON P. BADGER )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 12.49 0 0 12.49 115.2 410.4 Tm (Defendats. )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 13.12 0 0 13.12 98.88 366.96 Tm (COMPLAIN FOR )Tj 11.55 0 0 11.55 199.44 367.2 Tm (CIVIL PENAL TIES, )Tj /T1_2 1 Tf 12.14 0 0 12.14 303.36 367.44 Tm (INJUCTIV, AND )Tj /T1_0 1 Tf 12.12 0 0 12.12 405.36 367.68 Tm (OTHER RELIEF )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.57 0 0 11.57 109.2 340.8 Tm (Plaintiff)Tj 11.18 0 0 11.18 147.12 341.04 Tm (, the United States of America)Tj 11.13 0 0 11.13 283.2 341.04 Tm (, acting upon notification and authorization to the )Tj 11.39 0 0 11.39 74.88 313.68 Tm (Attorney General by the 鶹ý Trade Commssion \(")Tj 11.65 0 0 11.65 320.64 314.16 Tm (Commssion )Tj 11.14 0 0 11.14 381.84 314.4 Tm (\), by its undersigned )Tj 11.22 0 0 11.22 74.88 286.56 Tm (attorneys, for its Complaint alleges as follows: )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.94 0 0 12.94 221.28 258.96 Tm (JUSDICTION AND VENU )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 5 0 0 5 142.8 232.08 Tm (This is an action arsing under \001)Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.09 0 0 11.09 287.76 230.64 Tm (9 5\(a\), 5\(m\)\(1\)\(A\), 13\(b\), and 16\(a\) of the 鶹ý )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 5 0 0 5 74.16 204.48 Tm (Trade Commssion Act )Tj /T1_0 1 Tf 23.52 0.048 Td (FTC )Tj 17.664 0.048 Td (C.)Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.97 0 0 10.97 215.76 204.72 Tm (Act )Tj 10.84 0 0 10.84 236.64 204.72 Tm (\), 15 U. )Tj 11.2 0 0 11.2 299.28 203.04 Tm (9 45\(a\), 45\(m\)\(I\)\(A\), 53\(b\), and 56\(a\), and the )Tj 11.3 0 0 11.3 74.16 176.64 Tm (Fair Debt Collection Practices Act \(")Tj 11.24 0 0 11.24 241.2 177.12 Tm (FDCPA")Tj 11.06 0 0 11.06 282.72 177.12 Tm (\), 15 U.S.)Tj 10.91 0 0 10.91 326.16 177.12 Tm (C. 9 1692 )Tj 10.8 0 0 10.8 374.88 177.36 Tm (et seq. )Tj /T1_1 1 Tf 10.79 0 0 10.79 409.44 177.36 Tm (to obtain monetar )Tj /T1_0 1 Tf 11.21 0 0 11.21 74.16 149.28 Tm (civil penalties and injunctive and other equitable relief for Defendants\ )Tj 11.12 0 0 11.12 389.76 150 Tm (' violations of the FDCPA )Tj 11.28 0 0 11.28 74.16 122.16 Tm (and Section 5 of the FTC Act. )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9 0 0 9 248.64 79.44 Tm (Complaint - Page 1 of 12 )Tj ET EMC endstream endobj 1076 0 obj<>stream /Artifact <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 6.75 0 0 6.75 390.96 768 Tm (""..)Tj 5 0 0 5 431.28 768 Tm ("- )Tj ET EMC /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /P <>BDC BT /T1_1 1 Tf 7.82 0 0 7.82 473.76 768 Tm (. \(: )Tj ET EMC /Artifact <>BDC BT /T1_1 1 Tf 11.14 0 0 11.14 110.64 736.32 Tm (Case 4:06-cv-)Tj 9.89 0 0 9.89 180.96 736.32 Tm (021 02 )Tj 11.03 0 0 11.03 228.48 736.56 Tm (Document 1-)Tj 11.08 0 0 11.08 314.88 736.56 Tm (Filed 06/22/2006 )Tj 11 0 0 11 414.72 736.56 Tm (Page 1 of 12 )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 12.11 0 0 12.11 202.08 687.12 Tm (UNTED STATES DISTRICT )Tj 11.61 0 0 11.61 351.12 687.36 Tm (COURT )Tj 12.03 0 0 12.03 180.96 673.92 Tm (FOR THE )Tj 15.47 0 0 15.47 233.76 673.68 Tm (SOUTRN )Tj 12.14 0 0 12.14 299.52 674.16 Tm (DISTRICT OF TEXASJI )Tj /T1_1 1 Tf 9.16 0 0 9.16 435.36 675.6 Tm (g SU1:&S COU )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 12.08 0 0 12.08 227.52 660.24 Tm (, HOUSTON )Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 5 0 0 5 300 660.48 Tm (DMSION )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.77 0 0 7.77 445.92 663.36 Tm (DISTRICT OF )Tj /T1_0 1 Tf 11.52 0 0 11.52 501.84 664.56 Tm (TEXS)Tj ET EMC /P <>BDC BT /T1_0 1 Tf 5 0 0 5 395.52 661.68 Tm (SOUTHERN )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.26 0 0 11.26 451.44 651.12 Tm (AlE9 )Tj /T1_2 1 Tf 10 0 0 10 430.56 631.68 Tm (JUN 2 2 )Tj /T1_0 1 Tf 9.84 0 0 9.84 478.56 632.88 Tm (2006 )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 5 0 0 5 390.72 600.72 Tm ("'1! )Tj 13.872 -0.912 Td ("I/ )Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 26.64 0 0 26.64 82.08 600 Tm (UN )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.92 0 0 11.92 127.2 600.24 Tm (STATES OF AMRICA )Tj /T1_2 1 Tf 5 0 0 5 420 600.24 Tm (:1 M r"" rl,, )Tj /T1_0 1 Tf 8.82 0 0 8.82 490.8 599.04 Tm (\( Of COURT )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.42 0 0 11.42 116.4 573.36 Tm (Plaintiff )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 19.88 0 0 19.88 81.36 519.12 Tm (WIWIG )Tj 14.66 0 0 14.66 151.44 519.36 Tm (FIANCIA )Tj 11.01 0 0 11.01 214.56 519.36 Tm (GROUP, INC. )Tj /T1_2 1 Tf 9.43 0 0 9.43 335.28 519.6 Tm (Cas No. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.98 0 0 10.98 81.36 492 Tm (CHRSTOPHER B. BADGER )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 14.2 0 0 14.2 81.12 464.88 Tm (LYNA )Tj 10.99 0 0 10.99 124.08 464.88 Tm (1. BADGER)Tj /T1_1 1 Tf 9.71 0 0 9.71 180.96 464.88 Tm (, and )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 29.5 0 0 29.5 338.16 460.32 Tm (B 86 )Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 31.41 0 0 31.41 449.52 467.76 Tm (210. )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.35 0 0 11.35 81.12 437.04 Tm (JON P. BADGER )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 12.49 0 0 12.49 115.2 410.4 Tm (Defendats. )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 13.12 0 0 13.12 98.88 366.96 Tm (COMPLAIN FOR )Tj 11.55 0 0 11.55 199.44 367.2 Tm (CIVIL PENAL TIES, )Tj /T1_2 1 Tf 12.14 0 0 12.14 303.36 367.44 Tm (INJUCTIV, AND )Tj /T1_0 1 Tf 12.12 0 0 12.12 405.36 367.68 Tm (OTHER RELIEF )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.57 0 0 11.57 109.2 340.8 Tm (Plaintiff)Tj 11.18 0 0 11.18 147.12 341.04 Tm (, the United States of America)Tj 11.13 0 0 11.13 283.2 341.04 Tm (, acting upon notification and authorization to the )Tj 11.39 0 0 11.39 74.88 313.68 Tm (Attorney General by the 鶹ý Trade Commssion \(")Tj 11.65 0 0 11.65 320.64 314.16 Tm (Commssion )Tj 11.14 0 0 11.14 381.84 314.4 Tm (\), by its undersigned )Tj 11.22 0 0 11.22 74.88 286.56 Tm (attorneys, for its Complaint alleges as follows: )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.94 0 0 12.94 221.28 258.96 Tm (JUSDICTION AND VENU )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 5 0 0 5 142.8 232.08 Tm (This is an action arsing under \001)Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.09 0 0 11.09 287.76 230.64 Tm (9 5\(a\), 5\(m\)\(1\)\(A\), 13\(b\), and 16\(a\) of the 鶹ý )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 5 0 0 5 74.16 204.48 Tm (Trade Commssion Act )Tj /T1_0 1 Tf 23.52 0.048 Td (FTC )Tj 17.664 0.048 Td (C.)Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.97 0 0 10.97 215.76 204.72 Tm (Act )Tj 10.84 0 0 10.84 236.64 204.72 Tm (\), 15 U. )Tj 11.2 0 0 11.2 299.28 203.04 Tm (9 45\(a\), 45\(m\)\(I\)\(A\), 53\(b\), and 56\(a\), and the )Tj 11.3 0 0 11.3 74.16 176.64 Tm (Fair Debt Collection Practices Act \(")Tj 11.24 0 0 11.24 241.2 177.12 Tm (FDCPA")Tj 11.06 0 0 11.06 282.72 177.12 Tm (\), 15 U.S.)Tj 10.91 0 0 10.91 326.16 177.12 Tm (C. 9 1692 )Tj 10.8 0 0 10.8 374.88 177.36 Tm (et seq. )Tj /T1_1 1 Tf 10.79 0 0 10.79 409.44 177.36 Tm (to obtain monetar )Tj /T1_0 1 Tf 11.21 0 0 11.21 74.16 149.28 Tm (civil penalties and injunctive and other equitable relief for Defendants\ )Tj 11.12 0 0 11.12 389.76 150 Tm (' violations of the FDCPA )Tj 11.28 0 0 11.28 74.16 122.16 Tm (and Section 5 of the FTC Act. )Tj ET EMC /Artifact <>BDC BT /T1_0 1 Tf 9 0 0 9 248.64 79.44 Tm (Complaint - Page 1 of 12 )Tj ET EMC endstream endobj 1077 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /Artifact <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 10.76 0 0 10.76 110.64 736.32 Tm (Cgse 4:Q6-cv-)Tj 9.89 0 0 9.89 180.96 736.32 Tm (021 02 )Tj 11.03 0 0 11.03 228.48 736.56 Tm (Document 1-)Tj 11.08 0 0 11.08 314.88 736.56 Tm (Filed 06/22/2006 )Tj 11 0 0 11 414.72 736.56 Tm (Page 2 of 12 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 5 0 0 5 400.8 687.36 Tm (C.)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.19 0 0 11.19 142.08 686.16 Tm (This Court has jurisdiction over this matter under 28 U. )Tj /T1_2 1 Tf 7.65 0 0 7.65 420.48 687.36 Tm (g 1331, 1337\(a\), )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.9 0 0 7.9 75.12 659.04 Tm (1345, and 1355, and under 15 U. )Tj /T1_1 1 Tf 11.15 0 0 11.15 231.84 659.76 Tm (C. gg 45\(m\)\(1\)\(A\), 53\(b\), 57b)Tj /T1_0 1 Tf 9.32 0 0 9.32 367.2 660.48 Tm (, and 16921. )Tj /T1_1 1 Tf 11.24 0 0 11.24 142.08 631.92 Tm (Venue is proper in.the United States District Court for the Southern )Tj /T1_0 1 Tf 11.81 0 0 11.81 448.56 633.36 Tm (Distrct of )Tj 10.18 0 0 10.18 73.44 604.56 Tm (Texas under 28 U. )Tj /T1_2 1 Tf 7.86 0 0 7.86 166.8 604.8 Tm (C. gg 1391\(b-c\) and 1395\(a\) and 15 U. )Tj 7.16 0 0 7.16 350.88 605.76 Tm (C. g 53\(b\). )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 256.08 577.92 Tm (DEFENDANTS )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.28 0 0 11.28 141.84 550.08 Tm (Whitewing Financial Group, Inc. \(")Tj 11.08 0 0 11.08 302.4 551.28 Tm (Whitewing )Tj 11.22 0 0 11.22 356.64 551.28 Tm (\) is a Texas corporation with its )Tj /T1_2 1 Tf 7.68 0 0 7.68 73.44 522.72 Tm (offces and place of business )Tj /T1_1 1 Tf 11.33 0 0 11.33 207.12 523.44 Tm (located within the Southern Distrct of Texas at 1701 S. Dairy )Tj 11.36 0 0 11.36 73.44 495.6 Tm (Ashford)Tj 11.17 0 0 11.17 111.12 495.6 Tm (, Houston)Tj /T1_0 1 Tf 10.42 0 0 10.42 155.52 495.84 Tm (, Texas 77077. At all times relevant to this Complaint)Tj /T1_1 1 Tf 11.23 0 0 11.23 399.12 497.04 Tm (, Defendant Whitewing )Tj /T1_0 1 Tf 9.88 0 0 9.88 73.44 468.48 Tm (has transacted business in the Southern )Tj /T1_2 1 Tf 7.69 0 0 7.69 252.48 469.44 Tm (Distrct of Texas. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.37 0 0 11.37 141.6 441.84 Tm (Defendant Chrstopher B. Badger is the President, )Tj /T1_0 1 Tf 10.51 0 0 10.51 369.36 443.04 Tm (an Executive Commttee )Tj /T1_1 1 Tf 11.32 0 0 11.32 73.44 414.96 Tm (member, and a director of Defendant Whitewing. Individually and )Tj 11.26 0 0 11.26 376.8 416.4 Tm (in his capacity as the )Tj 11.42 0 0 11.42 73.2 387.84 Tm (President)Tj /T1_0 1 Tf 10.41 0 0 10.41 116.16 388.08 Tm (, member of the Executive Commttee, and director of Whitewing, Defendant\ )Tj /T1_2 1 Tf 8.19 0 0 8.19 73.2 360.48 Tm (Chrstopher B. Badger has formulated)Tj /T1_1 1 Tf 11.29 0 0 11.29 245.76 361.68 Tm (, directed)Tj 11.21 0 0 11.21 288 361.92 Tm (, and controlled the acts and practices of )Tj 11.29 0 0 11.29 72.96 333.36 Tm (Whitewing, including the acts and practices alleged in this )Tj 11.41 0 0 11.41 339.36 334.8 Tm (Complaint. At all times relevant to )Tj 11.44 0 0 11.44 72.96 305.76 Tm (this Complaint)Tj 11.31 0 0 11.31 141.36 306.24 Tm (, Defendant Chrstopher B. Badger has resided or transacted business in t\ he )Tj 11.3 0 0 11.3 73.44 278.88 Tm (Southern District of Texas. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.35 0 0 10.35 141.6 252.24 Tm (Defendant Lynda J. Badger is the Secretar, the )Tj /T1_2 1 Tf 8.15 0 0 8.15 360.24 253.2 Tm (Treasurr, an Executive )Tj 10.11 0 0 10.11 72.96 224.64 Tm (Commttee member)Tj /T1_1 1 Tf 11.24 0 0 11.24 164.64 225.12 Tm (, and a director of Defendant Whitewing. Individually and in her capacit\ y as )Tj /T1_2 1 Tf 8.02 0 0 8.02 73.2 197.04 Tm (Secretar, Treasurer)Tj /T1_1 1 Tf 11.31 0 0 11.31 165.12 197.52 Tm (, member of the Executive Commttee, and director of Whitewing, )Tj 11.25 0 0 11.25 72.72 169.92 Tm (Defendant Lynda J. Badger has formulated, directed, and controlled the a\ cts and practices of )Tj 11.29 0 0 11.29 72.72 142.32 Tm (Whitewing, including the acts and practices alleged in this )Tj 11.39 0 0 11.39 339.12 143.76 Tm (Complaint. At all times relevant to )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 9.02 0 0 9.02 247.68 78 Tm (Complaint - Page 2 of 12 )Tj ET EMC endstream endobj 1078 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /Artifact <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 10.76 0 0 10.76 110.64 736.32 Tm (Cgse 4:Q6-cv-)Tj 9.89 0 0 9.89 180.96 736.32 Tm (021 02 )Tj 11.03 0 0 11.03 228.48 736.56 Tm (Document 1-)Tj 11.08 0 0 11.08 314.88 736.56 Tm (Filed 06/22/2006 )Tj 11 0 0 11 414.72 736.56 Tm (Page 2 of 12 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 5 0 0 5 400.8 687.36 Tm (C.)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.19 0 0 11.19 142.08 686.16 Tm (This Court has jurisdiction over this matter under 28 U. )Tj /T1_2 1 Tf 7.65 0 0 7.65 420.48 687.36 Tm (g 1331, 1337\(a\), )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.9 0 0 7.9 75.12 659.04 Tm (1345, and 1355, and under 15 U. )Tj /T1_1 1 Tf 11.15 0 0 11.15 231.84 659.76 Tm (C. gg 45\(m\)\(1\)\(A\), 53\(b\), 57b)Tj /T1_0 1 Tf 9.32 0 0 9.32 367.2 660.48 Tm (, and 16921. )Tj /T1_1 1 Tf 11.24 0 0 11.24 142.08 631.92 Tm (Venue is proper in.the United States District Court for the Southern )Tj /T1_0 1 Tf 11.81 0 0 11.81 448.56 633.36 Tm (Distrct of )Tj 10.18 0 0 10.18 73.44 604.56 Tm (Texas under 28 U. )Tj /T1_2 1 Tf 7.86 0 0 7.86 166.8 604.8 Tm (C. gg 1391\(b-c\) and 1395\(a\) and 15 U. )Tj 7.16 0 0 7.16 350.88 605.76 Tm (C. g 53\(b\). )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 256.08 577.92 Tm (DEFENDANTS )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.28 0 0 11.28 141.84 550.08 Tm (Whitewing Financial Group, Inc. \(")Tj 11.08 0 0 11.08 302.4 551.28 Tm (Whitewing )Tj 11.22 0 0 11.22 356.64 551.28 Tm (\) is a Texas corporation with its )Tj /T1_2 1 Tf 7.68 0 0 7.68 73.44 522.72 Tm (offces and place of business )Tj /T1_1 1 Tf 11.33 0 0 11.33 207.12 523.44 Tm (located within the Southern Distrct of Texas at 1701 S. Dairy )Tj 11.36 0 0 11.36 73.44 495.6 Tm (Ashford)Tj 11.17 0 0 11.17 111.12 495.6 Tm (, Houston)Tj /T1_0 1 Tf 10.42 0 0 10.42 155.52 495.84 Tm (, Texas 77077. At all times relevant to this Complaint)Tj /T1_1 1 Tf 11.23 0 0 11.23 399.12 497.04 Tm (, Defendant Whitewing )Tj /T1_0 1 Tf 9.88 0 0 9.88 73.44 468.48 Tm (has transacted business in the Southern )Tj /T1_2 1 Tf 7.69 0 0 7.69 252.48 469.44 Tm (Distrct of Texas. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.37 0 0 11.37 141.6 441.84 Tm (Defendant Chrstopher B. Badger is the President, )Tj /T1_0 1 Tf 10.51 0 0 10.51 369.36 443.04 Tm (an Executive Commttee )Tj /T1_1 1 Tf 11.32 0 0 11.32 73.44 414.96 Tm (member, and a director of Defendant Whitewing. Individually and )Tj 11.26 0 0 11.26 376.8 416.4 Tm (in his capacity as the )Tj 11.42 0 0 11.42 73.2 387.84 Tm (President)Tj /T1_0 1 Tf 10.41 0 0 10.41 116.16 388.08 Tm (, member of the Executive Commttee, and director of Whitewing, Defendant\ )Tj /T1_2 1 Tf 8.19 0 0 8.19 73.2 360.48 Tm (Chrstopher B. Badger has formulated)Tj /T1_1 1 Tf 11.29 0 0 11.29 245.76 361.68 Tm (, directed)Tj 11.21 0 0 11.21 288 361.92 Tm (, and controlled the acts and practices of )Tj 11.29 0 0 11.29 72.96 333.36 Tm (Whitewing, including the acts and practices alleged in this )Tj 11.41 0 0 11.41 339.36 334.8 Tm (Complaint. At all times relevant to )Tj 11.44 0 0 11.44 72.96 305.76 Tm (this Complaint)Tj 11.31 0 0 11.31 141.36 306.24 Tm (, Defendant Chrstopher B. Badger has resided or transacted business in t\ he )Tj 11.3 0 0 11.3 73.44 278.88 Tm (Southern District of Texas. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.35 0 0 10.35 141.6 252.24 Tm (Defendant Lynda J. Badger is the Secretar, the )Tj /T1_2 1 Tf 8.15 0 0 8.15 360.24 253.2 Tm (Treasurr, an Executive )Tj 10.11 0 0 10.11 72.96 224.64 Tm (Commttee member)Tj /T1_1 1 Tf 11.24 0 0 11.24 164.64 225.12 Tm (, and a director of Defendant Whitewing. Individually and in her capacit\ y as )Tj /T1_2 1 Tf 8.02 0 0 8.02 73.2 197.04 Tm (Secretar, Treasurer)Tj /T1_1 1 Tf 11.31 0 0 11.31 165.12 197.52 Tm (, member of the Executive Commttee, and director of Whitewing, )Tj 11.25 0 0 11.25 72.72 169.92 Tm (Defendant Lynda J. Badger has formulated, directed, and controlled the a\ cts and practices of )Tj 11.29 0 0 11.29 72.72 142.32 Tm (Whitewing, including the acts and practices alleged in this )Tj 11.39 0 0 11.39 339.12 143.76 Tm (Complaint. At all times relevant to )Tj ET EMC /Artifact <>BDC BT /T1_1 1 Tf 9.02 0 0 9.02 247.68 78 Tm (Complaint - Page 2 of 12 )Tj ET EMC endstream endobj 1079 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /Artifact <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 110.64 736.32 Tm (Case 4:06-cv-)Tj 9.89 0 0 9.89 180.96 736.32 Tm (021 02 )Tj 11.03 0 0 11.03 228.48 736.56 Tm (Document 1-)Tj 11.08 0 0 11.08 314.88 736.56 Tm (Filed 06/22/2006 )Tj 11 0 0 11 414.72 736.56 Tm (Page 3 of 12 )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.46 0 0 10.46 76.8 688.32 Tm (this Complaint)Tj 10.76 0 0 10.76 143.76 688.32 Tm (, Defendat Lynda )Tj /T1_1 1 Tf 11.21 0 0 11.21 228.72 688.32 Tm (J. Badger has resided or )Tj 14.15 0 0 14.15 338.88 688.32 Tm (trsacted )Tj 11.18 0 0 11.18 386.4 688.08 Tm (business in the Southern )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.16 0 0 11.16 76.32 661.44 Tm (District of Texas. )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 6.5 0 0 6.5 102.72 634.56 Tm (, 7. )Tj /T1_1 1 Tf 11.16 0 0 11.16 143.76 634.56 Tm (Defendant Jon P. Badger is or has been the General Manager)Tj 11.14 0 0 11.14 416.4 634.56 Tm (, the Chief Executive )Tj 12.51 0 0 12.51 76.32 607.2 Tm (Offcer)Tj 11.3 0 0 11.3 109.44 607.44 Tm (, and an Executive CommtteeIDember of Defendant Whitewing. Individually \ and in his )Tj 11.18 0 0 11.18 76.08 580.08 Tm (capacity as General Manager)Tj 11.01 0 0 11.01 206.4 579.84 Tm (, Chief Executive Officer, and member of the Executi ve )Tj 12.04 0 0 12.04 458.4 580.08 Tm (Commttee )Tj 11.17 0 0 11.17 76.08 552.48 Tm (of Whitewing, Defendant Jon P. Badger has formulated, directed, and cont\ rolled the acts and )Tj 11.26 0 0 11.26 75.84 525.6 Tm (practices of Whitewing, including the acts and practices alleged in this\ Complaint. )Tj 11.18 0 0 11.18 449.76 525.6 Tm (At all times, )Tj 11.26 0 0 11.26 75.6 498 Tm (relevant to this Complaint, )Tj 12.1 0 0 12.1 198.48 498.24 Tm (Defendat Jon )Tj 11.16 0 0 11.16 265.68 498.24 Tm (P. Badger has resided or transacted business in the )Tj 11.19 0 0 11.19 75.84 470.88 Tm (Southern District of Texas. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 142.56 444.24 Tm (Defendants Whtewing, Chrstopher B. Badger)Tj /T1_0 1 Tf 9.86 0 0 9.86 353.04 444.48 Tm (, Lynda J. Badger)Tj /T1_1 1 Tf 11.02 0 0 11.02 430.8 444.48 Tm (, and Jon P. )Tj 11.19 0 0 11.19 75.36 417.6 Tm (Badger are ")Tj 11.18 0 0 11.18 131.76 417.6 Tm (debt collectors)Tj 11.14 0 0 11.14 197.76 417.6 Tm (" as defined in Section 803\(6\) of the FDCPA)Tj /T1_0 1 Tf 9.81 0 0 9.81 398.4 417.6 Tm (, 15 U.S.)Tj /T1_2 1 Tf 7.85 0 0 7.85 437.52 417.6 Tm (C. 91692a\(5\). )Tj /T1_1 1 Tf 13.28 0 0 13.28 259.68 390.48 Tm (COMMRCE )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.18 0 0 11.18 142.56 363.36 Tm (At all times material to this Complaint, Defendants have maintained a su\ bstantial )Tj 11.07 0 0 11.07 75.12 336 Tm (course:of trade in the collection of debts, in or affecting commerce, as\ .' )Tj 11.12 0 0 11.12 395.04 336.24 Tm (commerce)Tj 11.23 0 0 11.23 441.6 336.24 Tm (" is defined in )Tj 11.19 0 0 11.19 75.12 309.12 Tm (Section 4 of the FTC Act)Tj /T1_0 1 Tf 9.87 0 0 9.87 188.64 309.36 Tm (, 15 U.S.)Tj /T1_1 1 Tf 5 0 0 5 228 309.36 Tm (C. )Tj 10.37 0 0 10.37 248.88 309.6 Tm (44. )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.05 0 0 11.05 191.76 282.24 Tm (DEFENDANTS' BUSINESS PRACTICES )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 9.79 0 0 9.79 109.92 254.88 Tm (10. )Tj 11.14 0 0 11.14 142.08 255.12 Tm (Defendants purchase very old debts and then attempt to collect on these \ debts. )Tj 11.21 0 0 11.21 74.88 227.52 Tm (Most)Tj 11.22 0 0 11.22 98.64 227.52 Tm (, if not all, of these debts are beyond the applicable statutes of limit\ ations. )Tj 11.23 0 0 11.23 432.24 227.76 Tm (Most are also )Tj /T1_0 1 Tf 10.14 0 0 10.14 74.88 200.16 Tm (beyond the time in which they may be reported on credit bureau reports. \ Many of the debts have )Tj /T1_1 1 Tf 11.18 0 0 11.18 74.64 172.32 Tm (been discharged in )Tj /T1_0 1 Tf 11.16 0 0 11.16 161.28 172.56 Tm (bankrptcy. -)Tj /T1_1 1 Tf 11.14 0 0 11.14 219.6 172.8 Tm (Defendants generally pay less than a third of a cent per dollar of )Tj 11.09 0 0 11.09 74.88 145.2 Tm (the face value of the accounts to purchase these debts. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 8.95 0 0 8.95 246.96 79.44 Tm (Complaint - Page 3 of 12 )Tj ET EMC endstream endobj 1080 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /Artifact <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 110.64 736.32 Tm (Case 4:06-cv-)Tj 9.89 0 0 9.89 180.96 736.32 Tm (021 02 )Tj 11.03 0 0 11.03 228.48 736.56 Tm (Document 1-)Tj 11.08 0 0 11.08 314.88 736.56 Tm (Filed 06/22/2006 )Tj 11 0 0 11 414.72 736.56 Tm (Page 3 of 12 )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.46 0 0 10.46 76.8 688.32 Tm (this Complaint)Tj 10.76 0 0 10.76 143.76 688.32 Tm (, Defendat Lynda )Tj /T1_1 1 Tf 11.21 0 0 11.21 228.72 688.32 Tm (J. Badger has resided or )Tj 14.15 0 0 14.15 338.88 688.32 Tm (trsacted )Tj 11.18 0 0 11.18 386.4 688.08 Tm (business in the Southern )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.16 0 0 11.16 76.32 661.44 Tm (District of Texas. )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 6.5 0 0 6.5 102.72 634.56 Tm (, 7. )Tj /T1_1 1 Tf 11.16 0 0 11.16 143.76 634.56 Tm (Defendant Jon P. Badger is or has been the General Manager)Tj 11.14 0 0 11.14 416.4 634.56 Tm (, the Chief Executive )Tj 12.51 0 0 12.51 76.32 607.2 Tm (Offcer)Tj 11.3 0 0 11.3 109.44 607.44 Tm (, and an Executive CommtteeIDember of Defendant Whitewing. Individually \ and in his )Tj 11.18 0 0 11.18 76.08 580.08 Tm (capacity as General Manager)Tj 11.01 0 0 11.01 206.4 579.84 Tm (, Chief Executive Officer, and member of the Executi ve )Tj 12.04 0 0 12.04 458.4 580.08 Tm (Commttee )Tj 11.17 0 0 11.17 76.08 552.48 Tm (of Whitewing, Defendant Jon P. Badger has formulated, directed, and cont\ rolled the acts and )Tj 11.26 0 0 11.26 75.84 525.6 Tm (practices of Whitewing, including the acts and practices alleged in this\ Complaint. )Tj 11.18 0 0 11.18 449.76 525.6 Tm (At all times, )Tj 11.26 0 0 11.26 75.6 498 Tm (relevant to this Complaint, )Tj 12.1 0 0 12.1 198.48 498.24 Tm (Defendat Jon )Tj 11.16 0 0 11.16 265.68 498.24 Tm (P. Badger has resided or transacted business in the )Tj 11.19 0 0 11.19 75.84 470.88 Tm (Southern District of Texas. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 142.56 444.24 Tm (Defendants Whtewing, Chrstopher B. Badger)Tj /T1_0 1 Tf 9.86 0 0 9.86 353.04 444.48 Tm (, Lynda J. Badger)Tj /T1_1 1 Tf 11.02 0 0 11.02 430.8 444.48 Tm (, and Jon P. )Tj 11.19 0 0 11.19 75.36 417.6 Tm (Badger are ")Tj 11.18 0 0 11.18 131.76 417.6 Tm (debt collectors)Tj 11.14 0 0 11.14 197.76 417.6 Tm (" as defined in Section 803\(6\) of the FDCPA)Tj /T1_0 1 Tf 9.81 0 0 9.81 398.4 417.6 Tm (, 15 U.S.)Tj /T1_2 1 Tf 7.85 0 0 7.85 437.52 417.6 Tm (C. 91692a\(5\). )Tj /T1_1 1 Tf 13.28 0 0 13.28 259.68 390.48 Tm (COMMRCE )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.18 0 0 11.18 142.56 363.36 Tm (At all times material to this Complaint, Defendants have maintained a su\ bstantial )Tj 11.07 0 0 11.07 75.12 336 Tm (course:of trade in the collection of debts, in or affecting commerce, as\ .' )Tj 11.12 0 0 11.12 395.04 336.24 Tm (commerce)Tj 11.23 0 0 11.23 441.6 336.24 Tm (" is defined in )Tj 11.19 0 0 11.19 75.12 309.12 Tm (Section 4 of the FTC Act)Tj /T1_0 1 Tf 9.87 0 0 9.87 188.64 309.36 Tm (, 15 U.S.)Tj /T1_1 1 Tf 5 0 0 5 228 309.36 Tm (C. )Tj 10.37 0 0 10.37 248.88 309.6 Tm (44. )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.05 0 0 11.05 191.76 282.24 Tm (DEFENDANTS' BUSINESS PRACTICES )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 9.79 0 0 9.79 109.92 254.88 Tm (10. )Tj 11.14 0 0 11.14 142.08 255.12 Tm (Defendants purchase very old debts and then attempt to collect on these \ debts. )Tj 11.21 0 0 11.21 74.88 227.52 Tm (Most)Tj 11.22 0 0 11.22 98.64 227.52 Tm (, if not all, of these debts are beyond the applicable statutes of limit\ ations. )Tj 11.23 0 0 11.23 432.24 227.76 Tm (Most are also )Tj /T1_0 1 Tf 10.14 0 0 10.14 74.88 200.16 Tm (beyond the time in which they may be reported on credit bureau reports. \ Many of the debts have )Tj /T1_1 1 Tf 11.18 0 0 11.18 74.64 172.32 Tm (been discharged in )Tj /T1_0 1 Tf 11.16 0 0 11.16 161.28 172.56 Tm (bankrptcy. -)Tj /T1_1 1 Tf 11.14 0 0 11.14 219.6 172.8 Tm (Defendants generally pay less than a third of a cent per dollar of )Tj 11.09 0 0 11.09 74.88 145.2 Tm (the face value of the accounts to purchase these debts. )Tj ET EMC /Artifact <>BDC BT /T1_1 1 Tf 8.95 0 0 8.95 246.96 79.44 Tm (Complaint - Page 3 of 12 )Tj ET EMC endstream endobj 1081 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /Artifact <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 110.64 736.32 Tm (Case 4:06-cv-)Tj 9.89 0 0 9.89 180.96 736.32 Tm (021 02 )Tj 11.03 0 0 11.03 228.48 736.56 Tm (Document 1-)Tj 11.08 0 0 11.08 314.88 736.56 Tm (Filed 06/22/2006 )Tj 11 0 0 11 414.72 736.56 Tm (Page 4 of 12 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 9.79 0 0 9.79 113.28 687.12 Tm (11. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.15 0 0 11.15 145.92 687.12 Tm (When Defendants purchase the debts, they receive no hard copies of the )Tj 11.37 0 0 11.37 77.76 660.72 Tm (documents relating to the accounts. The electronic fies which accompany \ the debts )Tj 10.75 0 0 10.75 457.44 661.2 Tm (often )Tj 11.4 0 0 11.4 77.52 633.84 Tm (contain incomplete data. For example)Tj 11.17 0 0 11.17 250.08 634.08 Tm (, such important information as the debtors)Tj 10.59 0 0 10.59 443.28 634.32 Tm (' Social )Tj /T1_2 1 Tf 8.69 0 0 8.69 77.76 606.72 Tm (Securty numbers)Tj /T1_0 1 Tf 10.46 0 0 10.46 156.96 606.96 Tm (, payment reords)Tj /T1_1 1 Tf 11.03 0 0 11.03 236.4 606.96 Tm (, and last payment dates )Tj /T1_2 1 Tf 7.88 0 0 7.88 344.88 607.2 Tm (ar frequently missing. )Tj /T1_1 1 Tf 10.99 0 0 10.99 453.6 607.2 Tm (Because the )Tj 11.17 0 0 11.17 77.52 579.12 Tm (debts are so old and have often been sold several times)Tj 11.27 0 0 11.27 323.52 579.6 Tm (, data in the fies is frequently inaccurate. )Tj 11.19 0 0 11.19 77.04 551.52 Tm (Lacking sufficient documentation to validate its debts)Tj 11.14 0 0 11.14 318.24 552.24 Tm (, Defendants tell consumers that their debts )Tj 11.18 0 0 11.18 77.28 524.16 Tm (are validated by an Affidavit and Assignment \(")Tj 11.89 0 0 11.89 292.32 524.64 Tm (Affdavit")Tj /T1_0 1 Tf 11.51 0 0 11.51 337.92 524.64 Tm (\). This Affidavit)Tj /T1_1 1 Tf 11.14 0 0 11.14 414.48 524.64 Tm (, however)Tj 10.96 0 0 10.96 458.64 524.64 Tm (, is executed )Tj 11.18 0 0 11.18 76.8 497.04 Tm (by a Whitewing collection supervisor and is based only upon a review of \ Defendants)Tj 10.93 0 0 10.93 457.44 497.52 Tm (' incomplete )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.29 0 0 7.29 77.04 469.92 Tm (and often inaccurate electronic fies.\001)Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 9.79 0 0 9.79 111.84 443.28 Tm (12. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 10.03 0 0 10.03 144.72 443.28 Tm (As required by the FDCP A)Tj 10.48 0 0 10.48 266.4 443.52 Tm (, Defendats send validation )Tj /T1_1 1 Tf 11.18 0 0 11.18 395.76 443.76 Tm (notices to consumers that )Tj 11.19 0 0 11.19 76.56 416.64 Tm (inform the consumers of their right to dispute the debt; however)Tj 11.08 0 0 11.08 363.6 417.36 Tm (, Defendants frequently take )Tj 11.17 0 0 11.17 76.8 390 Tm (actions that contradict or ")Tj 11.08 0 0 11.08 195.36 390.24 Tm (overshadow)Tj 11.29 0 0 11.29 249.36 390.24 Tm (" the validation notice. Defendants make representations )Tj /T1_0 1 Tf 9.99 0 0 9.99 76.32 362.64 Tm (that confuse consumers about their rights under the FDCP A, )Tj /T1_1 1 Tf 11.26 0 0 11.26 349.44 363.12 Tm (including who has the burden of )Tj 11.24 0 0 11.24 76.32 335.28 Tm (establishing the validity of the debt. Defendants also pressure consumer\ s to make payments on )Tj 11.13 0 0 11.13 76.32 308.4 Tm (their debts before they have received the required validation notice. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 9.6 0 0 9.6 111.12 281.04 Tm (13. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.14 0 0 11.14 143.76 281.04 Tm (Because there is no legitimate method to enforce payment of its aged deb\ ts )Tj 11.44 0 0 11.44 75.6 253.68 Tm (Whitewing engages in a varety )Tj 11.28 0 0 11.28 220.08 254.16 Tm (of misrepresentations. Whitewing collectors often misrepresent )Tj 11.18 0 0 11.18 75.84 226.56 Tm (the status of the debts they )Tj /T1_0 1 Tf 12.21 0 0 12.21 197.52 227.04 Tm (ar trng to collect)Tj /T1_1 1 Tf 11.14 0 0 11.14 284.88 227.28 Tm (, leading consumers to believe that legal )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.1 0 0 11.1 75.6 198.96 Tm (proceedings have already been instituted to collect the debt or that law\ suits, to collect debts are )Tj 11.21 0 0 11.21 75.6 172.08 Tm (not time-)Tj /T1_2 1 Tf 8.68 0 0 8.68 117.12 172.08 Tm (bared. Whitewing )Tj /T1_1 1 Tf 11.13 0 0 11.13 205.68 172.56 Tm (collectors-threaten to take actions that the company cannot or does )Tj 11.26 0 0 11.26 75.36 144.72 Tm (not intend to take)Tj 11.3 0 0 11.3 154.56 144.96 Tm (, including telling consumers that the company wil )Tj 11.15 0 0 11.15 386.4 145.44 Tm (make multiple inquiries to )Tj 11.14 0 0 11.14 75.36 116.88 Tm (credit bureaus, thereby damaging consumers)Tj 11.1 0 0 11.1 275.52 117.6 Tm (' credit ratings, and implying to consumers that )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 8.95 0 0 8.95 248.16 78.96 Tm (Complaint - Page 4 of 12 )Tj ET EMC endstream endobj 1082 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /Artifact <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 110.64 736.32 Tm (Case 4:06-cv-)Tj 9.89 0 0 9.89 180.96 736.32 Tm (021 02 )Tj 11.03 0 0 11.03 228.48 736.56 Tm (Document 1-)Tj 11.08 0 0 11.08 314.88 736.56 Tm (Filed 06/22/2006 )Tj 11 0 0 11 414.72 736.56 Tm (Page 4 of 12 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 9.79 0 0 9.79 113.28 687.12 Tm (11. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.15 0 0 11.15 145.92 687.12 Tm (When Defendants purchase the debts, they receive no hard copies of the )Tj 11.37 0 0 11.37 77.76 660.72 Tm (documents relating to the accounts. The electronic fies which accompany \ the debts )Tj 10.75 0 0 10.75 457.44 661.2 Tm (often )Tj 11.4 0 0 11.4 77.52 633.84 Tm (contain incomplete data. For example)Tj 11.17 0 0 11.17 250.08 634.08 Tm (, such important information as the debtors)Tj 10.59 0 0 10.59 443.28 634.32 Tm (' Social )Tj /T1_2 1 Tf 8.69 0 0 8.69 77.76 606.72 Tm (Securty numbers)Tj /T1_0 1 Tf 10.46 0 0 10.46 156.96 606.96 Tm (, payment reords)Tj /T1_1 1 Tf 11.03 0 0 11.03 236.4 606.96 Tm (, and last payment dates )Tj /T1_2 1 Tf 7.88 0 0 7.88 344.88 607.2 Tm (ar frequently missing. )Tj /T1_1 1 Tf 10.99 0 0 10.99 453.6 607.2 Tm (Because the )Tj 11.17 0 0 11.17 77.52 579.12 Tm (debts are so old and have often been sold several times)Tj 11.27 0 0 11.27 323.52 579.6 Tm (, data in the fies is frequently inaccurate. )Tj 11.19 0 0 11.19 77.04 551.52 Tm (Lacking sufficient documentation to validate its debts)Tj 11.14 0 0 11.14 318.24 552.24 Tm (, Defendants tell consumers that their debts )Tj 11.18 0 0 11.18 77.28 524.16 Tm (are validated by an Affidavit and Assignment \(")Tj 11.89 0 0 11.89 292.32 524.64 Tm (Affdavit")Tj /T1_0 1 Tf 11.51 0 0 11.51 337.92 524.64 Tm (\). This Affidavit)Tj /T1_1 1 Tf 11.14 0 0 11.14 414.48 524.64 Tm (, however)Tj 10.96 0 0 10.96 458.64 524.64 Tm (, is executed )Tj 11.18 0 0 11.18 76.8 497.04 Tm (by a Whitewing collection supervisor and is based only upon a review of \ Defendants)Tj 10.93 0 0 10.93 457.44 497.52 Tm (' incomplete )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.29 0 0 7.29 77.04 469.92 Tm (and often inaccurate electronic fies.\001)Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 9.79 0 0 9.79 111.84 443.28 Tm (12. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 10.03 0 0 10.03 144.72 443.28 Tm (As required by the FDCP A)Tj 10.48 0 0 10.48 266.4 443.52 Tm (, Defendats send validation )Tj /T1_1 1 Tf 11.18 0 0 11.18 395.76 443.76 Tm (notices to consumers that )Tj 11.19 0 0 11.19 76.56 416.64 Tm (inform the consumers of their right to dispute the debt; however)Tj 11.08 0 0 11.08 363.6 417.36 Tm (, Defendants frequently take )Tj 11.17 0 0 11.17 76.8 390 Tm (actions that contradict or ")Tj 11.08 0 0 11.08 195.36 390.24 Tm (overshadow)Tj 11.29 0 0 11.29 249.36 390.24 Tm (" the validation notice. Defendants make representations )Tj /T1_0 1 Tf 9.99 0 0 9.99 76.32 362.64 Tm (that confuse consumers about their rights under the FDCP A, )Tj /T1_1 1 Tf 11.26 0 0 11.26 349.44 363.12 Tm (including who has the burden of )Tj 11.24 0 0 11.24 76.32 335.28 Tm (establishing the validity of the debt. Defendants also pressure consumer\ s to make payments on )Tj 11.13 0 0 11.13 76.32 308.4 Tm (their debts before they have received the required validation notice. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 9.6 0 0 9.6 111.12 281.04 Tm (13. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.14 0 0 11.14 143.76 281.04 Tm (Because there is no legitimate method to enforce payment of its aged deb\ ts )Tj 11.44 0 0 11.44 75.6 253.68 Tm (Whitewing engages in a varety )Tj 11.28 0 0 11.28 220.08 254.16 Tm (of misrepresentations. Whitewing collectors often misrepresent )Tj 11.18 0 0 11.18 75.84 226.56 Tm (the status of the debts they )Tj /T1_0 1 Tf 12.21 0 0 12.21 197.52 227.04 Tm (ar trng to collect)Tj /T1_1 1 Tf 11.14 0 0 11.14 284.88 227.28 Tm (, leading consumers to believe that legal )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.1 0 0 11.1 75.6 198.96 Tm (proceedings have already been instituted to collect the debt or that law\ suits, to collect debts are )Tj 11.21 0 0 11.21 75.6 172.08 Tm (not time-)Tj /T1_2 1 Tf 8.68 0 0 8.68 117.12 172.08 Tm (bared. Whitewing )Tj /T1_1 1 Tf 11.13 0 0 11.13 205.68 172.56 Tm (collectors-threaten to take actions that the company cannot or does )Tj 11.26 0 0 11.26 75.36 144.72 Tm (not intend to take)Tj 11.3 0 0 11.3 154.56 144.96 Tm (, including telling consumers that the company wil )Tj 11.15 0 0 11.15 386.4 145.44 Tm (make multiple inquiries to )Tj 11.14 0 0 11.14 75.36 116.88 Tm (credit bureaus, thereby damaging consumers)Tj 11.1 0 0 11.1 275.52 117.6 Tm (' credit ratings, and implying to consumers that )Tj ET EMC /Artifact <>BDC BT /T1_1 1 Tf 8.95 0 0 8.95 248.16 78.96 Tm (Complaint - Page 4 of 12 )Tj ET EMC endstream endobj 1083 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /Artifact <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 110.64 736.32 Tm (Case 4:06-cv-)Tj 9.89 0 0 9.89 180.96 736.32 Tm (021 02 )Tj 11.03 0 0 11.03 228.48 736.56 Tm (Document 1-)Tj 11.08 0 0 11.08 314.88 736.56 Tm (Filed 06/22/2006 )Tj 11 0 0 11 414.72 736.56 Tm (Page 5 of 12 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.39 0 0 11.39 79.44 687.36 Tm (Whitewing wil sue to collect the debt. Collectors make other )Tj 11.17 0 0 11.17 358.8 687.12 Tm (misrepresentations to consumers, )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.14 0 0 11.14 79.2 660.48 Tm (including that Whitewing )Tj /T1_2 1 Tf 7.52 0 0 7.52 195.84 660.48 Tm (wil report paid-)Tj /T1_1 1 Tf 10.8 0 0 10.8 268.08 660.24 Tm (in-)Tj 11.16 0 0 11.16 280.8 660.48 Tm (full accounts to credit bureaus and that Whitewing )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.25 0 0 11.25 79.2 633.84 Tm (collectors are auditors or government offcials. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 9.6 0 0 9.6 113.52 606.96 Tm (14. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.08 0 0 11.08 145.44 606.72 Tm (In some instance.s, collectors call consumers at times or places that th\ e collector )Tj 11.11 0 0 11.11 79.2 579.36 Tm (knows is inconvenient for the consumer)Tj 11.08 0 0 11.08 257.04 579.36 Tm (, including at their place of employment. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 9.79 0 0 9.79 113.04 552.24 Tm (15. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.14 0 0 11.14 144.96 552.24 Tm (In an effort to convince consumers to settle their debts)Tj 11.09 0 0 11.09 388.08 552 Tm (, Defendants have relied on )Tj 11.48 0 0 11.48 78.96 525.12 Tm (varous settlement letters. One that has )Tj 11.16 0 0 11.16 256.56 524.88 Tm (been used in situations where Defendants believed the )Tj 11.1 0 0 11.1 78.48 497.28 Tm (consumer might settle stated that )Tj 11.08 0 0 11.08 227.76 497.28 Tm (" . . . your account )Tj 11.78 0 0 11.78 312 497.28 Tm (wil be settled )Tj 11.19 0 0 11.19 377.76 497.28 Tm (in full and we do not report to )Tj 10.96 0 0 10.96 78.48 470.4 Tm (any credit reporting agencies.)Tj /T1_2 1 Tf 8.2 0 0 8.2 209.04 470.4 Tm (" Another )Tj /T1_1 1 Tf 11.19 0 0 11.19 258.24 470.4 Tm (letter threatened that the Defendants intended to proceed )Tj /T1_0 1 Tf 10.17 0 0 10.17 78.24 443.52 Tm (" .. . . with an appropriate collection program in )Tj 10.85 0 0 10.85 290.4 443.28 Tm (accordace with )Tj /T1_1 1 Tf 11.09 0 0 11.09 365.76 443.28 Tm (state and federal law)Tj 11.22 0 0 11.22 457.68 443.04 Tm (" and that )Tj 11.81 0 0 11.81 78 416.64 Tm (" .. . you )Tj 11.24 0 0 11.24 121.2 416.64 Tm (ultimately wil be responsible for the full amount due on this account. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.9 0 0 11.9 178.32 389.76 Tm (FAIR DEBT COLLECTION PRACTICES ACT )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 9.6 0 0 9.6 111.6 363.12 Tm (16. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.09 0 0 11.09 143.76 363.12 Tm (In 1977, Congress passed the FDCPA, 15 U.S.)Tj /T1_2 1 Tf 8.55 0 0 8.55 352.08 363.12 Tm (c. 91692 )Tj 6.46 0 0 6.46 399.12 363.12 Tm (et seq. )Tj /T1_1 1 Tf 11.07 0 0 11.07 433.2 363.12 Tm (which became )Tj 11.02 0 0 11.02 77.28 335.76 Tm (effective on March 20, )Tj 11.25 0 0 11.25 181.92 336 Tm (1978, and has been in force since that date. )Tj 11.18 0 0 11.18 378.48 336 Tm (Section 814 of the FDCPA )Tj 10.15 0 0 10.15 78.24 308.88 Tm (15 D. )Tj /T1_2 1 Tf 7.22 0 0 7.22 132.96 308.88 Tm (16921, authorizes the )Tj /T1_0 1 Tf 10.37 0 0 10.37 228.24 308.88 Tm (Commssion to use all of its functions and )Tj /T1_1 1 Tf 11.15 0 0 11.15 419.52 308.64 Tm (powers under the)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 5 0 0 5 110.64 308.88 Tm (C. )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.21 0 0 10.21 76.8 281.76 Tm (FTC Act to enforce compliance with the FDCP A by any debt collector, irr\ espective of whether )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.04 0 0 11.04 76.8 254.4 Tm (that debt collector is engaged in commerce or meets any other jurisdicti\ onal :tests set by the FTC )Tj 11.39 0 0 11.39 76.8 227.04 Tm (Act. The authority of the Commssion in this regard )Tj 11.18 0 0 11.18 312.72 227.04 Tm (includes the power to enforce the provisions )Tj /T1_0 1 Tf 9.91 0 0 9.91 76.8 199.44 Tm (of the FDCP A in the same manner as if the )Tj /T1_1 1 Tf 11.02 0 0 11.02 271.2 199.68 Tm (violations of the FDCP A were violations of a 鶹ý )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 76.08 172.56 Tm (Trade Commssion )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.57 0 0 7.57 163.92 172.56 Tm (trde regulation )Tj /T1_1 1 Tf 10.55 0 0 10.55 236.64 172.56 Tm (rule-. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 8.93 0 0 8.93 247.44 79.2 Tm (Complaint - Page 5 of 12 )Tj ET EMC endstream endobj 1084 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /Artifact <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 110.64 736.32 Tm (Case 4:06-cv-)Tj 9.89 0 0 9.89 180.96 736.32 Tm (021 02 )Tj 11.03 0 0 11.03 228.48 736.56 Tm (Document 1-)Tj 11.08 0 0 11.08 314.88 736.56 Tm (Filed 06/22/2006 )Tj 11 0 0 11 414.72 736.56 Tm (Page 5 of 12 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.39 0 0 11.39 79.44 687.36 Tm (Whitewing wil sue to collect the debt. Collectors make other )Tj 11.17 0 0 11.17 358.8 687.12 Tm (misrepresentations to consumers, )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.14 0 0 11.14 79.2 660.48 Tm (including that Whitewing )Tj /T1_2 1 Tf 7.52 0 0 7.52 195.84 660.48 Tm (wil report paid-)Tj /T1_1 1 Tf 10.8 0 0 10.8 268.08 660.24 Tm (in-)Tj 11.16 0 0 11.16 280.8 660.48 Tm (full accounts to credit bureaus and that Whitewing )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.25 0 0 11.25 79.2 633.84 Tm (collectors are auditors or government offcials. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 9.6 0 0 9.6 113.52 606.96 Tm (14. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.08 0 0 11.08 145.44 606.72 Tm (In some instance.s, collectors call consumers at times or places that th\ e collector )Tj 11.11 0 0 11.11 79.2 579.36 Tm (knows is inconvenient for the consumer)Tj 11.08 0 0 11.08 257.04 579.36 Tm (, including at their place of employment. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 9.79 0 0 9.79 113.04 552.24 Tm (15. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.14 0 0 11.14 144.96 552.24 Tm (In an effort to convince consumers to settle their debts)Tj 11.09 0 0 11.09 388.08 552 Tm (, Defendants have relied on )Tj 11.48 0 0 11.48 78.96 525.12 Tm (varous settlement letters. One that has )Tj 11.16 0 0 11.16 256.56 524.88 Tm (been used in situations where Defendants believed the )Tj 11.1 0 0 11.1 78.48 497.28 Tm (consumer might settle stated that )Tj 11.08 0 0 11.08 227.76 497.28 Tm (" . . . your account )Tj 11.78 0 0 11.78 312 497.28 Tm (wil be settled )Tj 11.19 0 0 11.19 377.76 497.28 Tm (in full and we do not report to )Tj 10.96 0 0 10.96 78.48 470.4 Tm (any credit reporting agencies.)Tj /T1_2 1 Tf 8.2 0 0 8.2 209.04 470.4 Tm (" Another )Tj /T1_1 1 Tf 11.19 0 0 11.19 258.24 470.4 Tm (letter threatened that the Defendants intended to proceed )Tj /T1_0 1 Tf 10.17 0 0 10.17 78.24 443.52 Tm (" .. . . with an appropriate collection program in )Tj 10.85 0 0 10.85 290.4 443.28 Tm (accordace with )Tj /T1_1 1 Tf 11.09 0 0 11.09 365.76 443.28 Tm (state and federal law)Tj 11.22 0 0 11.22 457.68 443.04 Tm (" and that )Tj 11.81 0 0 11.81 78 416.64 Tm (" .. . you )Tj 11.24 0 0 11.24 121.2 416.64 Tm (ultimately wil be responsible for the full amount due on this account. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.9 0 0 11.9 178.32 389.76 Tm (FAIR DEBT COLLECTION PRACTICES ACT )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 9.6 0 0 9.6 111.6 363.12 Tm (16. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.09 0 0 11.09 143.76 363.12 Tm (In 1977, Congress passed the FDCPA, 15 U.S.)Tj /T1_2 1 Tf 8.55 0 0 8.55 352.08 363.12 Tm (c. 91692 )Tj 6.46 0 0 6.46 399.12 363.12 Tm (et seq. )Tj /T1_1 1 Tf 11.07 0 0 11.07 433.2 363.12 Tm (which became )Tj 11.02 0 0 11.02 77.28 335.76 Tm (effective on March 20, )Tj 11.25 0 0 11.25 181.92 336 Tm (1978, and has been in force since that date. )Tj 11.18 0 0 11.18 378.48 336 Tm (Section 814 of the FDCPA )Tj 10.15 0 0 10.15 78.24 308.88 Tm (15 D. )Tj /T1_2 1 Tf 7.22 0 0 7.22 132.96 308.88 Tm (16921, authorizes the )Tj /T1_0 1 Tf 10.37 0 0 10.37 228.24 308.88 Tm (Commssion to use all of its functions and )Tj /T1_1 1 Tf 11.15 0 0 11.15 419.52 308.64 Tm (powers under the)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 5 0 0 5 110.64 308.88 Tm (C. )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.21 0 0 10.21 76.8 281.76 Tm (FTC Act to enforce compliance with the FDCP A by any debt collector, irr\ espective of whether )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.04 0 0 11.04 76.8 254.4 Tm (that debt collector is engaged in commerce or meets any other jurisdicti\ onal :tests set by the FTC )Tj 11.39 0 0 11.39 76.8 227.04 Tm (Act. The authority of the Commssion in this regard )Tj 11.18 0 0 11.18 312.72 227.04 Tm (includes the power to enforce the provisions )Tj /T1_0 1 Tf 9.91 0 0 9.91 76.8 199.44 Tm (of the FDCP A in the same manner as if the )Tj /T1_1 1 Tf 11.02 0 0 11.02 271.2 199.68 Tm (violations of the FDCP A were violations of a 鶹ý )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 76.08 172.56 Tm (Trade Commssion )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.57 0 0 7.57 163.92 172.56 Tm (trde regulation )Tj /T1_1 1 Tf 10.55 0 0 10.55 236.64 172.56 Tm (rule-. )Tj ET EMC /Artifact <>BDC BT /T1_1 1 Tf 8.93 0 0 8.93 247.44 79.2 Tm (Complaint - Page 5 of 12 )Tj ET EMC endstream endobj 1085 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /Artifact <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 110.64 736.32 Tm (Case 4:06-cv-)Tj 9.89 0 0 9.89 180.96 736.32 Tm (021 02 )Tj 11.03 0 0 11.03 228.48 736.56 Tm (Document 1-)Tj 11.08 0 0 11.08 314.88 736.56 Tm (Filed 06/22/2006 )Tj 11 0 0 11 414.72 736.56 Tm (Page 6 of 12 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 9.79 0 0 9.79 110.88 686.64 Tm (17. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.23 0 0 11.23 143.52 686.64 Tm (The term ")Tj 10.79 0 0 10.79 192 686.88 Tm (consumer,)Tj 11.17 0 0 11.17 237.6 687.12 Tm (" as used in this Complaint, means any natural person )Tj 11.12 0 0 11.12 75.84 660.24 Tm (obligated or allegedly obligated to pay any debt)Tj 11.21 0 0 11.21 288.48 660.48 Tm (, as ")Tj 11.01 0 0 11.01 311.04 660.48 Tm (debt)Tj 11.16 0 0 11.16 330.24 660.48 Tm (" is defined in Section 803\(5\) of the )Tj 11.24 0 0 11.24 75.6 633.36 Tm (FDCPA)Tj /T1_0 1 Tf 9.87 0 0 9.87 112.56 633.36 Tm (, 15 U.S.)Tj /T1_2 1 Tf 7.54 0 0 7.54 151.92 633.36 Tm (C. 9 1692a\(5\). )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.9 0 0 11.9 117.84 606 Tm (VIOLATIONS OF THE FAIR DEBT COLLECTION PRACTICES ACT\001)Tj 11.74 0 0 11.74 270.48 579.36 Tm (COUNT I\001)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 9.79 0 0 9.79 110.16 552 Tm (18. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.19 0 0 11.19 142.8 552 Tm (On numerous occasions, in connection with the collection of debts)Tj /T1_0 1 Tf 9.61 0 0 9.61 441.36 552 Tm (, Defendants )Tj /T1_1 1 Tf 10.72 0 0 10.72 75.12 524.4 Tm (have used .false)Tj /T1_0 1 Tf 9.83 0 0 9.83 144.24 524.4 Tm (, deceptive)Tj /T1_1 1 Tf 11.08 0 0 11.08 192.72 524.64 Tm (, or misleading representations or means)Tj /T1_0 1 Tf 10.21 0 0 10.21 372.72 524.64 Tm (, in violation- of Section 807 of )Tj /T1_1 1 Tf 11.14 0 0 11.14 75.12 497.04 Tm (the FDCPA)Tj 11.71 0 0 11.71 128.16 497.04 Tm (, 15 US.)Tj 5 0 0 5 167.52 497.04 Tm (C. )Tj 11.09 0 0 11.09 189.84 497.04 Tm (1692e, including, but not limited to, the following: )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.9 0 0 9.9 175.92 469.92 Tm (falsely. representing the character, amount, or legal status of debts, i\ n )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.99 0 0 10.99 175.92 443.04 Tm (violation of Section 807\(2\)\(A\) of the FDCP )Tj 11.76 0 0 11.76 371.04 442.8 Tm (A, 15 US.)Tj 5 0 0 5 419.28 442.8 Tm (C. )Tj 10.69 0 0 10.69 441.6 442.8 Tm (1692e\(2\)\(A\); )Tj /T1_0 1 Tf 10.19 0 0 10.19 175.68 416.4 Tm (theatening to take actions that cannot legally be taken or that )Tj /T1_1 1 Tf 10.74 0 0 10.74 453.36 416.4 Tm (are not )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 9.7 0 0 9.7 171.12 389.76 Tm (-)Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 9.7 0 0 9.7 176.99 389.76 Tm (intended to be taken)Tj /T1_1 1 Tf 11 0 0 11 265.92 390 Tm (, in violation of Section 807\(5\) of the FDCP A)Tj 10.24 0 0 10.24 471.36 389.76 Tm (, 15 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 5 0 0 5 195.36 363.12 Tm (C. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.06 0 0 11.06 217.2 363.12 Tm (1692e\(5\); or )Tj 11.14 0 0 11.14 175.2 336 Tm (using false representations or deceptive means to collect or attempt to \ )Tj 10.73 0 0 10.73 174.96 308.64 Tm (collect-)Tj 11.14 0 0 11.14 207.6 308.88 Tm (debts or to obtain information concerning a consumer, in violation )Tj /T1_0 1 Tf 10.26 0 0 10.26 174.96 281.04 Tm (of Section 807\(10\) of the FDCPA, 15 U. )Tj /T1_2 1 Tf 6.72 0 0 6.72 365.04 281.04 Tm (c. g )Tj /T1_1 1 Tf 11.75 0 0 11.75 385.2 280.56 Tm (J692e\(10\). )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 13.6 0 0 13.6 266.4 253.68 Tm (COUN II )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 9.99 0 0 9.99 108.24 226.8 Tm (19. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.08 0 0 11.08 141.12 226.8 Tm (On numerous occasions)Tj 11.18 0 0 11.18 247.68 227.28 Tm (, in connection with the collection of debts)Tj /T1_0 1 Tf 9.61 0 0 9.61 439.2 226.8 Tm (, Defendants )Tj /T1_1 1 Tf 11.16 0 0 11.16 73.44 198.96 Tm (have engaged in activities that contradicted)Tj /T1_0 1 Tf 9.71 0 0 9.71 267.12 199.68 Tm (, obscured)Tj /T1_1 1 Tf 11.11 0 0 11.11 313.2 199.44 Tm (, or overshadowed the notification of )Tj /T1_0 1 Tf 10.13 0 0 10.13 73.2 171.6 Tm (consumer rights contained in the validation notice required by Section 8\ 09\(a\) of the FDCP A )Tj /T1_1 1 Tf 10.26 0 0 10.26 74.16 144.72 Tm (15 U, )Tj /T1_0 1 Tf 10.62 0 0 10.62 107.04 144.72 Tm (c. 9 1692g\(a\), in violation of )Tj /T1_1 1 Tf 11.14 0 0 11.14 240.48 145.2 Tm (Section 809\(a\) of the FDCPA)Tj 11.42 0 0 11.42 373.92 144.96 Tm (, 15 US' )Tj /T1_2 1 Tf 7.51 0 0 7.51 413.28 144.96 Tm (c. g 1692g\(a\). )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 9.02 0 0 9.02 245.04 79.68 Tm (Complaint - Page 6 of 12 )Tj ET EMC endstream endobj 1086 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /Artifact <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 110.64 736.32 Tm (Case 4:06-cv-)Tj 9.89 0 0 9.89 180.96 736.32 Tm (021 02 )Tj 11.03 0 0 11.03 228.48 736.56 Tm (Document 1-)Tj 11.08 0 0 11.08 314.88 736.56 Tm (Filed 06/22/2006 )Tj 11 0 0 11 414.72 736.56 Tm (Page 6 of 12 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 9.79 0 0 9.79 110.88 686.64 Tm (17. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.23 0 0 11.23 143.52 686.64 Tm (The term ")Tj 10.79 0 0 10.79 192 686.88 Tm (consumer,)Tj 11.17 0 0 11.17 237.6 687.12 Tm (" as used in this Complaint, means any natural person )Tj 11.12 0 0 11.12 75.84 660.24 Tm (obligated or allegedly obligated to pay any debt)Tj 11.21 0 0 11.21 288.48 660.48 Tm (, as ")Tj 11.01 0 0 11.01 311.04 660.48 Tm (debt)Tj 11.16 0 0 11.16 330.24 660.48 Tm (" is defined in Section 803\(5\) of the )Tj 11.24 0 0 11.24 75.6 633.36 Tm (FDCPA)Tj /T1_0 1 Tf 9.87 0 0 9.87 112.56 633.36 Tm (, 15 U.S.)Tj /T1_2 1 Tf 7.54 0 0 7.54 151.92 633.36 Tm (C. 9 1692a\(5\). )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.9 0 0 11.9 117.84 606 Tm (VIOLATIONS OF THE FAIR DEBT COLLECTION PRACTICES ACT\001)Tj 11.74 0 0 11.74 270.48 579.36 Tm (COUNT I\001)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 9.79 0 0 9.79 110.16 552 Tm (18. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.19 0 0 11.19 142.8 552 Tm (On numerous occasions, in connection with the collection of debts)Tj /T1_0 1 Tf 9.61 0 0 9.61 441.36 552 Tm (, Defendants )Tj /T1_1 1 Tf 10.72 0 0 10.72 75.12 524.4 Tm (have used .false)Tj /T1_0 1 Tf 9.83 0 0 9.83 144.24 524.4 Tm (, deceptive)Tj /T1_1 1 Tf 11.08 0 0 11.08 192.72 524.64 Tm (, or misleading representations or means)Tj /T1_0 1 Tf 10.21 0 0 10.21 372.72 524.64 Tm (, in violation- of Section 807 of )Tj /T1_1 1 Tf 11.14 0 0 11.14 75.12 497.04 Tm (the FDCPA)Tj 11.71 0 0 11.71 128.16 497.04 Tm (, 15 US.)Tj 5 0 0 5 167.52 497.04 Tm (C. )Tj 11.09 0 0 11.09 189.84 497.04 Tm (1692e, including, but not limited to, the following: )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.9 0 0 9.9 175.92 469.92 Tm (falsely. representing the character, amount, or legal status of debts, i\ n )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.99 0 0 10.99 175.92 443.04 Tm (violation of Section 807\(2\)\(A\) of the FDCP )Tj 11.76 0 0 11.76 371.04 442.8 Tm (A, 15 US.)Tj 5 0 0 5 419.28 442.8 Tm (C. )Tj 10.69 0 0 10.69 441.6 442.8 Tm (1692e\(2\)\(A\); )Tj /T1_0 1 Tf 10.19 0 0 10.19 175.68 416.4 Tm (theatening to take actions that cannot legally be taken or that )Tj /T1_1 1 Tf 10.74 0 0 10.74 453.36 416.4 Tm (are not )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 9.7 0 0 9.7 171.12 389.76 Tm (-)Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 9.7 0 0 9.7 176.99 389.76 Tm (intended to be taken)Tj /T1_1 1 Tf 11 0 0 11 265.92 390 Tm (, in violation of Section 807\(5\) of the FDCP A)Tj 10.24 0 0 10.24 471.36 389.76 Tm (, 15 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 5 0 0 5 195.36 363.12 Tm (C. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.06 0 0 11.06 217.2 363.12 Tm (1692e\(5\); or )Tj 11.14 0 0 11.14 175.2 336 Tm (using false representations or deceptive means to collect or attempt to \ )Tj 10.73 0 0 10.73 174.96 308.64 Tm (collect-)Tj 11.14 0 0 11.14 207.6 308.88 Tm (debts or to obtain information concerning a consumer, in violation )Tj /T1_0 1 Tf 10.26 0 0 10.26 174.96 281.04 Tm (of Section 807\(10\) of the FDCPA, 15 U. )Tj /T1_2 1 Tf 6.72 0 0 6.72 365.04 281.04 Tm (c. g )Tj /T1_1 1 Tf 11.75 0 0 11.75 385.2 280.56 Tm (J692e\(10\). )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 13.6 0 0 13.6 266.4 253.68 Tm (COUN II )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 9.99 0 0 9.99 108.24 226.8 Tm (19. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.08 0 0 11.08 141.12 226.8 Tm (On numerous occasions)Tj 11.18 0 0 11.18 247.68 227.28 Tm (, in connection with the collection of debts)Tj /T1_0 1 Tf 9.61 0 0 9.61 439.2 226.8 Tm (, Defendants )Tj /T1_1 1 Tf 11.16 0 0 11.16 73.44 198.96 Tm (have engaged in activities that contradicted)Tj /T1_0 1 Tf 9.71 0 0 9.71 267.12 199.68 Tm (, obscured)Tj /T1_1 1 Tf 11.11 0 0 11.11 313.2 199.44 Tm (, or overshadowed the notification of )Tj /T1_0 1 Tf 10.13 0 0 10.13 73.2 171.6 Tm (consumer rights contained in the validation notice required by Section 8\ 09\(a\) of the FDCP A )Tj /T1_1 1 Tf 10.26 0 0 10.26 74.16 144.72 Tm (15 U, )Tj /T1_0 1 Tf 10.62 0 0 10.62 107.04 144.72 Tm (c. 9 1692g\(a\), in violation of )Tj /T1_1 1 Tf 11.14 0 0 11.14 240.48 145.2 Tm (Section 809\(a\) of the FDCPA)Tj 11.42 0 0 11.42 373.92 144.96 Tm (, 15 US' )Tj /T1_2 1 Tf 7.51 0 0 7.51 413.28 144.96 Tm (c. g 1692g\(a\). )Tj ET EMC /Artifact <>BDC BT /T1_1 1 Tf 9.02 0 0 9.02 245.04 79.68 Tm (Complaint - Page 6 of 12 )Tj ET EMC endstream endobj 1087 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /Artifact <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 110.64 736.32 Tm (Case 4:06-cv-)Tj 9.89 0 0 9.89 180.96 736.32 Tm (021 02 )Tj 11.03 0 0 11.03 228.48 736.56 Tm (Document 1-)Tj 11.08 0 0 11.08 314.88 736.56 Tm (Filed 06/22/2006 )Tj 11 0 0 11 414.72 736.56 Tm (Page 7 of 12 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 5 0 0 5 267.84 686.16 Tm (COUNT )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.49 0 0 12.49 310.8 686.16 Tm (III )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 9.99 0 0 9.99 110.64 659.04 Tm (20. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.16 0 0 11.16 143.76 659.04 Tm (On numerous occasions)Tj 11.15 0 0 11.15 251.28 658.8 Tm (, in connection with the collection of debts, Defendants )Tj 11.18 0 0 11.18 77.52 631.92 Tm (have communicated with a consumer, without the consumer )Tj 11.1 0 0 11.1 350.16 631.68 Tm (s prior consent given directly to the )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 5 0 0 5 77.76 605.28 Tm (debt collector or the express \001)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.38 0 0 12.38 205.92 605.28 Tm (perm)Tj 11.11 0 0 11.11 232.32 605.28 Tm (ssion of a court of competent jurisdiction)Tj 11.12 0 0 11.12 415.68 605.28 Tm (, at times or places )Tj 11.15 0 0 11.15 77.52 578.16 Tm (that Defendants knew or should have known to be inconvenient to the cons\ umer)Tj 11.18 0 0 11.18 435.6 578.4 Tm (, including, but )Tj 11.17 0 0 11.17 77.28 551.04 Tm (not limited to, communicating with the consumer at the consumer )Tj 11.09 0 0 11.09 375.12 551.04 Tm (s place of employment when )Tj /T1_0 1 Tf 8.98 0 0 8.98 77.04 523.92 Tm (the: debt )Tj /T1_1 1 Tf 11.19 0 0 11.19 114.48 523.92 Tm (collector knew or should have known that it is inconvenient for the cons\ umer to receive )Tj 11.31 0 0 11.31 77.28 496.56 Tm (such communkations)Tj 11.3 0 0 11.3 173.76 496.8 Tm (, in violation of Section 805\(a\)\(1\) of the FDCPA)Tj /T1_0 1 Tf 9.86 0 0 9.86 394.32 497.04 Tm (, 15 D. )Tj /T1_1 1 Tf 10.92 0 0 10.92 455.76 497.04 Tm (1692c\(a\)\(1\).)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 5 0 0 5 433.2 496.8 Tm (C. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.86 0 0 11.86 170.16 468.96 Tm (VIOLATIONS OF SECTION 5 OF THE FTC ACT )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.18 0 0 10.18 109.68 442.32 Tm (21.\001)Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.29 0 0 10.29 142.8 442.32 Tm (Section 5\(a\) of the FTC Act, 15 U. )Tj /T1_1 1 Tf 11.12 0 0 11.12 326.64 442.32 Tm (45\(a\), prohibits ")Tj 11.16 0 0 11.16 402.72 442.56 Tm (unfair or deceptive acts)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 5 0 0 5 307.68 442.32 Tm (C. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.04 0 0 11.04 76.56 415.2 Tm (or practices in or affecting commerce. )Tj 11.62 0 0 11.62 266.4 388.32 Tm (COUNT IV )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.18 0 0 10.18 109.2 361.68 Tm (22. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.16 0 0 11.16 142.08 361.92 Tm (In numerous instances, in connection with the collection of debts)Tj /T1_0 1 Tf 9.82 0 0 9.82 433.44 361.92 Tm (, Defendants )Tj /T1_1 1 Tf 11.09 0 0 11.09 76.32 334.8 Tm (have made the following representations)Tj 11.08 0 0 11.08 256.8 335.04 Tm (, expressly or by implication)Tj /T1_0 1 Tf 9.97 0 0 9.97 384.24 335.04 Tm (, regarding the character or )Tj /T1_1 1 Tf 10.87 0 0 10.87 76.56 307.68 Tm (legal status of a debt: )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.59 0 0 10.59 142.08 280.56 Tm (\(a\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.11 0 0 11.11 175.92 280.56 Tm (legal proceedings to collect the debt have already been instituted; )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.5 0 0 10.5 142.08 251.52 Tm (\(b\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.2 0 0 11.2 175.68 253.44 Tm (there is no time limitation on )Tj /T1_2 1 Tf 6.99 0 0 6.99 308.16 253.2 Tm (fiing a lawsuit to collect the )Tj /T1_1 1 Tf 11.24 0 0 11.24 438.24 253.44 Tm (debt; and )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.59 0 0 10.59 142.08 225.84 Tm (\(c\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.18 0 0 11.18 175.44 225.84 Tm (Defendants possess documentation establishing that the debt is a valid )Tj 11.05 0 0 11.05 175.68 198.48 Tm (debt of the consumer. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 108.24 170.64 Tm (23.\001)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.11 0 0 11.11 141.6 170.88 Tm (In truth and in fact, )Tj 8.014 0.022 Td (in numerous of these instances: )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.38 0 0 10.38 141.84 143.52 Tm (\(a\) )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.12 0 0 11.12 175.2 143.52 Tm (legal proceedings to collect the debt had not been instituted; )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.71 0 0 10.71 141.6 115.92 Tm (\(b\) )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.2 0 0 11.2 174.96 116.16 Tm (there is a time limitation on )Tj /T1_2 1 Tf 6.99 0 0 6.99 301.2 116.16 Tm (filng a lawsuit to collect the )Tj /T1_1 1 Tf 11.18 0 0 11.18 431.28 116.16 Tm (debt; and )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 9.02 0 0 9.02 246.96 78.72 Tm (Complaint - Page 7 of 12 )Tj ET EMC endstream endobj 1088 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /Artifact <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 110.64 736.32 Tm (Case 4:06-cv-)Tj 9.89 0 0 9.89 180.96 736.32 Tm (021 02 )Tj 11.03 0 0 11.03 228.48 736.56 Tm (Document 1-)Tj 11.08 0 0 11.08 314.88 736.56 Tm (Filed 06/22/2006 )Tj 11 0 0 11 414.72 736.56 Tm (Page 8 of 12 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.16 0 0 10.16 143.04 686.4 Tm (\(c\)\001)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.19 0 0 11.19 175.68 686.64 Tm (Defendants do not possess documentation establishing that the debt is a \ )Tj 11.15 0 0 11.15 176.16 659.52 Tm (valid debt of the consumer. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 108.72 632.88 Tm (24. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.96 0 0 10.96 142.32 632.88 Tm (Therefore)Tj 11.18 0 0 11.18 186.48 633.12 Tm (, the representations set forth in )Tj 11.89 0 0 11.89 330.24 632.88 Tm (Paragrph 22 are )Tj 11.07 0 0 11.07 408.48 632.88 Tm (false or misleading )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.16 0 0 11.16 74.64 605.76 Tm (and constitute deceptive acts oLpra\001)Tj 10.56 0 0 10.56 237.12 606 Tm (tic )Tj 11.14 0 0 11.14 253.68 605.76 Tm (s in violation of Section 5\(a\) of the FTC Act)Tj 11.71 0 0 11.71 452.16 606 Tm (, 15 US. )Tj 10.98 0 0 10.98 79.68 578.64 Tm (45\(a\). )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 14 0 0 14 268.32 551.52 Tm (COUN V\001)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 108 524.16 Tm (25. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.06 0 0 11.06 141.84 524.16 Tm (In numerous instances)Tj 11.15 0 0 11.15 241.68 524.16 Tm (, in connection with the collection of debts)Tj /T1_0 1 Tf 9.74 0 0 9.74 432.72 524.4 Tm (, Defendants )Tj /T1_1 1 Tf 11.19 0 0 11.19 73.92 496.56 Tm (have made the following representations)Tj 11.04 0 0 11.04 256.32 496.8 Tm (, expressly or by implication)Tj /T1_0 1 Tf 9.91 0 0 9.91 383.28 496.8 Tm (, regarding actions that the )Tj 10.18 0 0 10.18 73.68 469.44 Tm (Defendants intend to take if the debt is not paid: )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.16 0 0 10.16 141.84 442.8 Tm (\(a\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.44 0 0 11.44 174.48 442.8 Tm (the debt wil be reported to a credit )Tj 11.13 0 0 11.13 334.56 442.8 Tm (bureau if the debt is not paid; and )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.29 0 0 10.29 141.6 414 Tm (\(b\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.36 0 0 11.36 174.48 415.92 Tm (legal proceedings wil be initiated against )Tj 11.16 0 0 11.16 363.12 415.92 Tm (the consumer if the debt is not )Tj 11.08 0 0 11.08 174.24 389.04 Tm (paid. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 107.04 362.16 Tm (26.\001)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.13 0 0 11.13 140.88 362.16 Tm (In truth and in fact)Tj 11.07 0 0 11.07 224.4 362.4 Tm (, in numerous of these instances: )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.38 0 0 10.38 141.12 335.28 Tm (\(a\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.19 0 0 11.19 173.76 335.28 Tm (Defendants did not report the debt that was not paid to a credit )Tj /T1_2 1 Tf 8.76 0 0 8.76 456.24 335.28 Tm (burau; and )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.5 0 0 10.5 141.12 308.16 Tm (\(b\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.16 0 0 11.16 173.76 308.4 Tm (Defendants did not initiate legal proceedings against the consumer if th\ e )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.99 0 0 9.99 173.76 281.28 Tm (debt was not paid. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 106.8 253.44 Tm (27. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.23 0 0 11.23 140.16 253.68 Tm (Therefore, the representations set )Tj /T1_2 1 Tf 7.58 0 0 7.58 292.56 253.68 Tm (fort in Paragraph 25 are )Tj /T1_1 1 Tf 11.1 0 0 11.1 406.32 253.92 Tm (false or misleading )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.2 0 0 11.2 72.72 225.84 Tm (and constitute deceptive acts or practices in violation of Section )Tj 11.13 0 0 11.13 361.44 226.08 Tm (Sea\) of the FTC Act, 15 US. )Tj 10.66 0 0 10.66 73.2 196.56 Tm (945\(a\). )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 9.02 0 0 9.02 244.8 78.96 Tm (Complaint - Page 8 of 12 )Tj ET EMC endstream endobj 1089 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /Artifact <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 110.64 736.32 Tm (Case 4:06-cv-)Tj 9.89 0 0 9.89 180.96 736.32 Tm (021 02 )Tj 11.03 0 0 11.03 228.48 736.56 Tm (Document 1-)Tj 11.08 0 0 11.08 314.88 736.56 Tm (Filed 06/22/2006 )Tj 11 0 0 11 414.72 736.56 Tm (Page 8 of 12 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.16 0 0 10.16 143.04 686.4 Tm (\(c\)\001)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.19 0 0 11.19 175.68 686.64 Tm (Defendants do not possess documentation establishing that the debt is a \ )Tj 11.15 0 0 11.15 176.16 659.52 Tm (valid debt of the consumer. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 108.72 632.88 Tm (24. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.96 0 0 10.96 142.32 632.88 Tm (Therefore)Tj 11.18 0 0 11.18 186.48 633.12 Tm (, the representations set forth in )Tj 11.89 0 0 11.89 330.24 632.88 Tm (Paragrph 22 are )Tj 11.07 0 0 11.07 408.48 632.88 Tm (false or misleading )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.16 0 0 11.16 74.64 605.76 Tm (and constitute deceptive acts oLpra\001)Tj 10.56 0 0 10.56 237.12 606 Tm (tic )Tj 11.14 0 0 11.14 253.68 605.76 Tm (s in violation of Section 5\(a\) of the FTC Act)Tj 11.71 0 0 11.71 452.16 606 Tm (, 15 US. )Tj 10.98 0 0 10.98 79.68 578.64 Tm (45\(a\). )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 14 0 0 14 268.32 551.52 Tm (COUN V\001)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 108 524.16 Tm (25. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.06 0 0 11.06 141.84 524.16 Tm (In numerous instances)Tj 11.15 0 0 11.15 241.68 524.16 Tm (, in connection with the collection of debts)Tj /T1_0 1 Tf 9.74 0 0 9.74 432.72 524.4 Tm (, Defendants )Tj /T1_1 1 Tf 11.19 0 0 11.19 73.92 496.56 Tm (have made the following representations)Tj 11.04 0 0 11.04 256.32 496.8 Tm (, expressly or by implication)Tj /T1_0 1 Tf 9.91 0 0 9.91 383.28 496.8 Tm (, regarding actions that the )Tj 10.18 0 0 10.18 73.68 469.44 Tm (Defendants intend to take if the debt is not paid: )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.16 0 0 10.16 141.84 442.8 Tm (\(a\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.44 0 0 11.44 174.48 442.8 Tm (the debt wil be reported to a credit )Tj 11.13 0 0 11.13 334.56 442.8 Tm (bureau if the debt is not paid; and )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.29 0 0 10.29 141.6 414 Tm (\(b\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.36 0 0 11.36 174.48 415.92 Tm (legal proceedings wil be initiated against )Tj 11.16 0 0 11.16 363.12 415.92 Tm (the consumer if the debt is not )Tj 11.08 0 0 11.08 174.24 389.04 Tm (paid. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 107.04 362.16 Tm (26.\001)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.13 0 0 11.13 140.88 362.16 Tm (In truth and in fact)Tj 11.07 0 0 11.07 224.4 362.4 Tm (, in numerous of these instances: )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.38 0 0 10.38 141.12 335.28 Tm (\(a\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.19 0 0 11.19 173.76 335.28 Tm (Defendants did not report the debt that was not paid to a credit )Tj /T1_2 1 Tf 8.76 0 0 8.76 456.24 335.28 Tm (burau; and )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.5 0 0 10.5 141.12 308.16 Tm (\(b\)\001)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.16 0 0 11.16 173.76 308.4 Tm (Defendants did not initiate legal proceedings against the consumer if th\ e )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.99 0 0 9.99 173.76 281.28 Tm (debt was not paid. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 106.8 253.44 Tm (27. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.23 0 0 11.23 140.16 253.68 Tm (Therefore, the representations set )Tj /T1_2 1 Tf 7.58 0 0 7.58 292.56 253.68 Tm (fort in Paragraph 25 are )Tj /T1_1 1 Tf 11.1 0 0 11.1 406.32 253.92 Tm (false or misleading )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.2 0 0 11.2 72.72 225.84 Tm (and constitute deceptive acts or practices in violation of Section )Tj 11.13 0 0 11.13 361.44 226.08 Tm (Sea\) of the FTC Act, 15 US. )Tj 10.66 0 0 10.66 73.2 196.56 Tm (945\(a\). )Tj ET EMC /Artifact <>BDC BT /T1_1 1 Tf 9.02 0 0 9.02 244.8 78.96 Tm (Complaint - Page 8 of 12 )Tj ET EMC endstream endobj 1090 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /Artifact <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 110.64 736.32 Tm (Case 4:06-cv-)Tj 9.89 0 0 9.89 180.96 736.32 Tm (021 02 )Tj 11.03 0 0 11.03 228.48 736.56 Tm (Document 1-)Tj 11.08 0 0 11.08 314.88 736.56 Tm (Filed 06/22/2006 )Tj 11 0 0 11 414.72 736.56 Tm (Page 9 of 12 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.87 0 0 11.87 151.92 687.36 Tm (CIVIL PENALTIES FOR VIOLATIONS OF THE FDCPA )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.18 0 0 10.18 110.64 660.96 Tm (28. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.19 0 0 11.19 143.52 660.96 Tm (Defendants have violated the FDCPA as described above)Tj 11.16 0 0 11.16 400.8 660.72 Tm (, with actual knowledge )Tj 11.15 0 0 11.15 76.8 633.12 Tm (or knowledge fairly-implied on the basis of objective circumstances, as \ set forth in Section )Tj 11.32 0 0 11.32 76.8 606.24 Tm (5\(m\)\(I\)\(A\) of the FTC Act)Tj 10.56 0 0 10.56 198 606.24 Tm (, 15_)Tj 12.56 0 0 12.56 216.96 606.24 Tm (US.)Tj 11.39 0 0 11.39 236.88 606 Tm (C. g 45\(m\)\(I\)\(A\). . )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 9.99 0 0 9.99 110.16 579.12 Tm (29. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 10.95 0 0 10.95 143.04 579.12 Tm (Each instace within five )Tj /T1_1 1 Tf 11.36 0 0 11.36 259.92 579.12 Tm (years preceding the fiing of this Complaint)Tj 11.06 0 0 11.06 455.28 579.12 Tm (, in which )Tj 11.02 0 0 11.02 76.32 552 Tm (each Defendant has failed to comply with the FDCP )Tj 11.2 0 0 11.2 309.12 551.76 Tm (A in one or more of the ways described )Tj 10.96 0 0 10.96 76.32 524.64 Tm (above)Tj 11.18 0 0 11.18 102.96 524.64 Tm (, constitutes a separate violation for which Plaintiff seeks )Tj /T1_0 1 Tf 11.45 0 0 11.45 361.2 524.64 Tm (monetar civil )Tj /T1_1 1 Tf 11.1 0 0 11.1 428.64 524.64 Tm (penalties. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.18 0 0 10.18 109.68 497.52 Tm (30. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.56 0 0 10.56 143.04 497.52 Tm (Section 5\(m\)\(1\)\(A\) of the FTC Act, 15 US.)Tj /T1_1 1 Tf 11.4 0 0 11.4 339.84 497.52 Tm (C. 9 45\(m\)\(l\)\(A\), authorizes the )Tj 11.18 0 0 11.18 75.84 470.64 Tm (Court to award )Tj /T1_0 1 Tf 12.14 0 0 12.14 145.68 470.88 Tm (moneta civil )Tj /T1_1 1 Tf 11.11 0 0 11.11 213.12 470.88 Tm (penalties of not more than $11,)Tj 11.24 0 0 11.24 351.84 470.64 Tm (000 for each violation of the )Tj 10.31 0 0 10.31 75.12 443.76 Tm (FDCP A. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.84 0 0 11.84 112.8 416.64 Tm (INJUNCTION FOR VIOLATIONS OF THE FDCPA AND THE FTC ACT )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.18 0 0 10.18 108.96 389.52 Tm (31. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.37 0 0 11.37 142.08 389.52 Tm (Under Section l3\(b\) of the FTC Act)Tj 11.64 0 0 11.64 304.8 389.52 Tm (, 15 US.)Tj /T1_0 1 Tf 10.45 0 0 10.45 343.92 389.52 Tm (C. 9 53\(b\), ths Court is authorized to )Tj /T1_1 1 Tf 11.14 0 0 11.14 75.12 362.16 Tm (issue a permanent injunction to ensure that Defendants will not continue\ to violate the FDCP )Tj 11.03 0 0 11.03 75.12 335.52 Tm (and the FTC Act. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.38 0 0 11.38 234.24 308.88 Tm (PRA YER FOR )Tj 12.25 0 0 12.25 309.84 308.64 Tm (RELIEF )Tj 12.44 0 0 12.44 108 281.76 Tm (WhrefORE)Tj /T1_0 1 Tf 10.54 0 0 10.54 177.12 281.52 Tm (, Plaintiff respectfully requests that this Court, acting pursuant to 15\ )Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 7.72 0 0 7.72 94.32 254.64 Tm (C.)Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 7.72 0 0 7.72 103.584 254.64 Tm ( gg 45\(m\)\(1\)\(A\), 53\(b\), 16921)Tj /T1_1 1 Tf 11.05 0 0 11.05 238.56 254.4 Tm (, and its own equitable powers: )Tj 11.17 0 0 11.17 141.12 227.28 Tm (Enter judgment against Defendants and in favor of Plaintiff for each vio\ lation' )Tj 11.12 0 0 11.12 141.36 199.44 Tm (alleged in this Complaint; )Tj 10.78 0 0 10.78 141.12 172.08 Tm (A ward Plaintiff )Tj /T1_0 1 Tf 11.49 0 0 11.49 213.84 172.08 Tm (monetar civil )Tj /T1_1 1 Tf 11.02 0 0 11.02 281.52 171.84 Tm (penalties for each violation of the FDCP A )Tj 11.41 0 0 11.41 141.12 144.96 Tm (occurrng within the five years )Tj 11.16 0 0 11.16 280.8 144.96 Tm (preceding the filing of this Complaint; )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 8.97 0 0 8.97 246 78.96 Tm (Complaint - Page 9 of 12 )Tj ET EMC endstream endobj 1091 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /Artifact <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 110.64 736.32 Tm (Case 4:06-cv-)Tj 9.89 0 0 9.89 180.96 736.32 Tm (021 02 )Tj 11.03 0 0 11.03 228.48 736.56 Tm (Document 1-)Tj 11.08 0 0 11.08 314.88 736.56 Tm (Filed 06/22/2006 )Tj 11 0 0 11 414.72 736.56 Tm (Page 9 of 12 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.87 0 0 11.87 151.92 687.36 Tm (CIVIL PENALTIES FOR VIOLATIONS OF THE FDCPA )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.18 0 0 10.18 110.64 660.96 Tm (28. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.19 0 0 11.19 143.52 660.96 Tm (Defendants have violated the FDCPA as described above)Tj 11.16 0 0 11.16 400.8 660.72 Tm (, with actual knowledge )Tj 11.15 0 0 11.15 76.8 633.12 Tm (or knowledge fairly-implied on the basis of objective circumstances, as \ set forth in Section )Tj 11.32 0 0 11.32 76.8 606.24 Tm (5\(m\)\(I\)\(A\) of the FTC Act)Tj 10.56 0 0 10.56 198 606.24 Tm (, 15_)Tj 12.56 0 0 12.56 216.96 606.24 Tm (US.)Tj 11.39 0 0 11.39 236.88 606 Tm (C. g 45\(m\)\(I\)\(A\). . )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 9.99 0 0 9.99 110.16 579.12 Tm (29. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 10.95 0 0 10.95 143.04 579.12 Tm (Each instace within five )Tj /T1_1 1 Tf 11.36 0 0 11.36 259.92 579.12 Tm (years preceding the fiing of this Complaint)Tj 11.06 0 0 11.06 455.28 579.12 Tm (, in which )Tj 11.02 0 0 11.02 76.32 552 Tm (each Defendant has failed to comply with the FDCP )Tj 11.2 0 0 11.2 309.12 551.76 Tm (A in one or more of the ways described )Tj 10.96 0 0 10.96 76.32 524.64 Tm (above)Tj 11.18 0 0 11.18 102.96 524.64 Tm (, constitutes a separate violation for which Plaintiff seeks )Tj /T1_0 1 Tf 11.45 0 0 11.45 361.2 524.64 Tm (monetar civil )Tj /T1_1 1 Tf 11.1 0 0 11.1 428.64 524.64 Tm (penalties. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.18 0 0 10.18 109.68 497.52 Tm (30. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.56 0 0 10.56 143.04 497.52 Tm (Section 5\(m\)\(1\)\(A\) of the FTC Act, 15 US.)Tj /T1_1 1 Tf 11.4 0 0 11.4 339.84 497.52 Tm (C. 9 45\(m\)\(l\)\(A\), authorizes the )Tj 11.18 0 0 11.18 75.84 470.64 Tm (Court to award )Tj /T1_0 1 Tf 12.14 0 0 12.14 145.68 470.88 Tm (moneta civil )Tj /T1_1 1 Tf 11.11 0 0 11.11 213.12 470.88 Tm (penalties of not more than $11,)Tj 11.24 0 0 11.24 351.84 470.64 Tm (000 for each violation of the )Tj 10.31 0 0 10.31 75.12 443.76 Tm (FDCP A. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.84 0 0 11.84 112.8 416.64 Tm (INJUNCTION FOR VIOLATIONS OF THE FDCPA AND THE FTC ACT )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.18 0 0 10.18 108.96 389.52 Tm (31. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.37 0 0 11.37 142.08 389.52 Tm (Under Section l3\(b\) of the FTC Act)Tj 11.64 0 0 11.64 304.8 389.52 Tm (, 15 US.)Tj /T1_0 1 Tf 10.45 0 0 10.45 343.92 389.52 Tm (C. 9 53\(b\), ths Court is authorized to )Tj /T1_1 1 Tf 11.14 0 0 11.14 75.12 362.16 Tm (issue a permanent injunction to ensure that Defendants will not continue\ to violate the FDCP )Tj 11.03 0 0 11.03 75.12 335.52 Tm (and the FTC Act. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.38 0 0 11.38 234.24 308.88 Tm (PRA YER FOR )Tj 12.25 0 0 12.25 309.84 308.64 Tm (RELIEF )Tj 12.44 0 0 12.44 108 281.76 Tm (WhrefORE)Tj /T1_0 1 Tf 10.54 0 0 10.54 177.12 281.52 Tm (, Plaintiff respectfully requests that this Court, acting pursuant to 15\ )Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 7.72 0 0 7.72 94.32 254.64 Tm (C.)Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 7.72 0 0 7.72 103.584 254.64 Tm ( gg 45\(m\)\(1\)\(A\), 53\(b\), 16921)Tj /T1_1 1 Tf 11.05 0 0 11.05 238.56 254.4 Tm (, and its own equitable powers: )Tj 11.17 0 0 11.17 141.12 227.28 Tm (Enter judgment against Defendants and in favor of Plaintiff for each vio\ lation' )Tj 11.12 0 0 11.12 141.36 199.44 Tm (alleged in this Complaint; )Tj 10.78 0 0 10.78 141.12 172.08 Tm (A ward Plaintiff )Tj /T1_0 1 Tf 11.49 0 0 11.49 213.84 172.08 Tm (monetar civil )Tj /T1_1 1 Tf 11.02 0 0 11.02 281.52 171.84 Tm (penalties for each violation of the FDCP A )Tj 11.41 0 0 11.41 141.12 144.96 Tm (occurrng within the five years )Tj 11.16 0 0 11.16 280.8 144.96 Tm (preceding the filing of this Complaint; )Tj ET EMC /Artifact <>BDC BT /T1_1 1 Tf 8.97 0 0 8.97 246 78.96 Tm (Complaint - Page 9 of 12 )Tj ET EMC endstream endobj 1092 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /Artifact <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 107.52 736.32 Tm (Case 4:06-cv-)Tj 9.89 0 0 9.89 177.84 736.32 Tm (021 02 )Tj 11.03 0 0 11.03 225.36 736.56 Tm (Document 1-)Tj 11.08 0 0 11.08 311.76 736.56 Tm (Filed 06/22/2006 )Tj 11.06 0 0 11.06 411.6 736.56 Tm (Page 10 of 12 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.18 0 0 11.18 143.28 686.64 Tm (Order Defendants to include the following disclosure in each written )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.19 0 0 11.19 143.04 659.76 Tm (communication with consumers in connection with the collection of a debt\ : )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.84 0 0 10.84 176.16 632.64 Tm (The law requires us to stop contacting you about this debt if you write \ )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.45 0 0 11.45 175.92 619.2 Tm (to us and ask us to stop. However)Tj 10.95 0 0 10.95 330.24 618.96 Tm (, under the law)Tj 11.15 0 0 11.15 396.24 618.96 Tm (, we may )Tj /T1_2 1 Tf 7.05 0 0 7.05 439.68 619.2 Tm (stil contact )Tj /T1_1 1 Tf 10.72 0 0 10.72 494.64 619.2 Tm (you )Tj 10.32 0 0 10.32 176.16 605.28 Tm (for tWQ reasons: )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.37 0 0 7.37 210.48 577.92 Tm (. to advise )Tj /T1_1 1 Tf 11.14 0 0 11.14 263.52 577.92 Tm (you that we or your creditor intend\(s\) to pursue specific )Tj 11.43 0 0 11.43 209.28 564.24 Tm (remedies permtted by law; or )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.37 0 0 7.37 210.24 537.36 Tm (. to advise )Tj 7.31 0 0 7.31 263.28 537.36 Tm (you that our effort are being )Tj /T1_1 1 Tf 11.98 0 0 11.98 394.8 537.36 Tm (termnated. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.15 0 0 11.15 175.2 510.48 Tm (This law is enforced by the 鶹ý Trade )Tj /T1_0 1 Tf 10.56 0 0 10.56 364.08 510.48 Tm (Commssion, Washington)Tj /T1_1 1 Tf 10.27 0 0 10.27 482.16 510.72 Tm (, D. )Tj 10.91 0 0 10.91 175.44 497.04 Tm (20580. If you ,)Tj 11.21 0 0 11.21 240.96 497.04 Tm (have a complaint about the way we are collecting this debt )Tj /T1_0 1 Tf 10.26 0 0 10.26 175.2 482.88 Tm (you may write to the 鶹ý Trade Commssion)Tj 10.13 0 0 10.13 392.16 483.12 Tm (, Southwest Region)Tj /T1_1 1 Tf 10.85 0 0 10.85 480.72 483.12 Tm (, 1999 )Tj 10.03 0 0 10.03 175.2 469.44 Tm (Bryan..)Tj /T1_0 1 Tf 10.16 0 0 10.16 205.2 469.44 Tm (Stree, Suite 2150, Dallas, Texas 75201, )Tj /T1_2 1 Tf 7.82 0 0 7.82 387.6 469.44 Tm (fie your complaint online )Tj /T1_1 1 Tf 11.05 0 0 11.05 175.2 456.24 Tm (at www.)Tj 10.48 0 0 10.48 213.12 456.24 Tm (ftc.)Tj 10.88 0 0 10.88 227.76 456.24 Tm (gov)Tj 11.11 0 0 11.11 244.56 456.24 Tm (, or call the FTC at 1-)Tj 10.74 0 0 10.74 341.28 456.24 Tm (877-)Tj 11.18 0 0 11.18 360.96 456 Tm (FTC-)Tj 11 0 0 11 385.44 456.24 Tm (HELP. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.18 0 0 11.18 141.84 429.36 Tm (Order Defendant to provide the following notice to each employee having \ )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.13 0 0 11.13 141.6 402 Tm (responsibility with respect to the collection of debts)Tj 11.23 0 0 11.23 372.96 402.24 Tm (, no later than the time the )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.29 0 0 11.29 141.6 374.88 Tm (employee assumes responsibilty with respect to the collection of debts, \ and to )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.08 0 0 11.08 141.6 348.24 Tm (obtain from each such person a signed statement aGknowledging receipt of\ a copy )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 6.83 0 0 6.83 141.36 321.36 Tm (of the notice:\001)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.17 0 0 11.17 174 294.48 Tm (Debt collectors must comply with the federal )Tj 14.46 0 0 14.46 378.48 294.48 Tm (Fai )Tj 11.19 0 0 11.19 174 280.8 Tm (Debt Collection Practices Act, which limits your )Tj /T1_0 1 Tf 10.54 0 0 10.54 174.24 267.6 Tm (activities in )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 14.46 0 0 14.46 228.72 265.2 Tm (trng to )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11 0 0 11 270.48 267.84 Tm (collect money from )Tj /T1_0 1 Tf 10.32 0 0 10.32 174 253.68 Tm (consumers. Section 805 of the Act prohibits you )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.18 0 0 11.18 174 239.76 Tm (from contacting a consumer at work if you know or )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.4 0 0 10.4 174.24 225.84 Tm (should know it is inconvenient for the consumer. In )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.06 0 0 11.06 174.24 212.4 Tm (addition)Tj /T1_0 1 Tf 10.5 0 0 10.5 211.44 212.4 Tm (, Section 807 of the Act prohibits you from )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.15 0 0 11.15 173.76 198.48 Tm (representing or implying that any action, including )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.02 0 0 11.02 174 185.04 Tm (legal action)Tj 11.47 0 0 11.47 226.08 185.28 Tm (, wil be taken unless)Tj 11.08 0 0 11.08 320.64 185.28 Tm (, at the time of the )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.1 0 0 11.1 173.76 171.12 Tm (representation)Tj 11.15 0 0 11.15 237.36 171.12 Tm (, the action is lawful and there is a )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.3 0 0 10.3 173.76 157.44 Tm (clear intent to take the action. Further)Tj /T1_1 1 Tf 11.02 0 0 11.02 344.88 157.44 Tm (, Section 807 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.14 0 0 11.14 173.76 143.52 Tm (of the Act prohibits the use of any false )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.19 0 0 11.19 173.52 129.84 Tm (representation or deceptive means to collect or )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.17 0 0 11.17 173.76 116.16 Tm (attempt to collect any debt or to obtain information )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.49 0 0 10.49 173.52 102.72 Tm (concernng a consumer. Also)Tj /T1_1 1 Tf 11.08 0 0 11.08 307.44 102.72 Tm (, Section 809 prohibits )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 8.98 0 0 8.98 243.12 78.48 Tm (Complaint - Page 10 of 12 )Tj ET EMC endstream endobj 1093 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /Artifact <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 107.52 736.32 Tm (Case 4:06-cv-)Tj 9.89 0 0 9.89 177.84 736.32 Tm (021 02 )Tj 11.03 0 0 11.03 225.36 736.56 Tm (Document 1-)Tj 11.08 0 0 11.08 311.76 736.56 Tm (Filed 06/22/2006 )Tj 11.06 0 0 11.06 411.6 736.56 Tm (Page 11 of 12 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.24 0 0 11.24 175.68 681.84 Tm (you from contradicting, obscuring, or )Tj 11.25 0 0 11.25 175.92 668.16 Tm (overshadowing the notification of consumer rights )Tj 11.27 0 0 11.27 175.68 654.72 Tm (contained in the validation notice required by )Tj /T1_0 1 Tf 10.79 0 0 10.79 176.16 641.04 Tm (Section 809. Individual debt )Tj /T1_1 1 Tf 11.2 0 0 11.2 311.76 642 Tm (collectors may be )Tj 11.19 0 0 11.19 175.92 627.36 Tm (financially liable for their violations of the Act. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.18 0 0 11.18 141.6 599.52 Tm (Enjoin Defendants permanently from future violations of the FDCP )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.13 0 0 11.13 446.88 601.68 Tm (A and the FTC )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.17 0 0 11.17 73.68 571.92 Tm (Act; and )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.25 0 0 11.25 141.36 545.52 Tm (Award Plaintiff such additional relief as the Court may deem just and pr\ oper. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11 0 0 11 73.44 518.16 Tm (DATED: )Tj ET EMC /TD <>BDC BT /T1_1 1 Tf 10.97 0 0 10.97 73.68 477.6 Tm (Of counsel: )Tj ET EMC /TD <>BDC BT /T1_1 1 Tf 11.28 0 0 11.28 310.8 479.28 Tm (FOR THE UNITED STATES OF )Tj ET EMC /TD <>BDC BT /T1_1 1 Tf 10.95 0 0 10.95 311.04 465.6 Tm (AMERICA: )Tj ET EMC /TD <>BDC BT /T1_1 1 Tf 13.21 0 0 13.21 73.2 437.28 Tm (BRALEY )Tj 11.07 0 0 11.07 129.36 437.52 Tm (ELBEIN )Tj ET EMC /TD <>BDC BT /T1_1 1 Tf 11.25 0 0 11.25 310.8 438.24 Tm (PETER D. KEISLER )Tj ET EMC /TD <>BDC BT /T1_1 1 Tf 11.24 0 0 11.24 73.2 423.84 Tm (Director)Tj 11.22 0 0 11.22 111.12 423.84 Tm (, Southwest Region )Tj ET EMC /TD <>BDC BT /T1_1 1 Tf 11.22 0 0 11.22 310.8 424.8 Tm (Assistant Attorney General )Tj ET EMC /TD <>BDC BT /T1_1 1 Tf 11.25 0 0 11.25 310.8 411.12 Tm (Civil Division )Tj ET EMC /TD <>BDC BT /T1_0 1 Tf 11.57 0 0 11.57 73.2 396.72 Tm (KRSTIN MALMBERG )Tj ET EMC /TD <>BDC BT /T1_1 1 Tf 11.3 0 0 11.3 310.56 397.68 Tm (United States Department of Justice )Tj ET EMC /TD <>BDC BT /T1_1 1 Tf 11.21 0 0 11.21 73.2 383.28 Tm (Attorney )Tj ET EMC /TD <>BDC BT /T1_1 1 Tf 11.24 0 0 11.24 73.44 369.6 Tm (Southwest Region )Tj ET EMC /TD <>BDC BT /T1_1 1 Tf 11.8 0 0 11.8 310.56 371.04 Tm (DONALD J. DEGABRILLE)Tj /T1_0 1 Tf 9.34 0 0 9.34 448.8 371.28 Tm (, JR. )Tj ET EMC /TD <>BDC BT /T1_1 1 Tf 11.29 0 0 11.29 72.96 355.68 Tm (鶹ý Trade Commission )Tj ET EMC /TD <>BDC BT /T1_1 1 Tf 11.31 0 0 11.31 310.32 356.64 Tm (United States Attorney )Tj ET EMC /TD <>BDC BT /T1_1 1 Tf 11.05 0 0 11.05 74.16 342 Tm (1999 Bryan Street)Tj 11.19 0 0 11.19 155.28 342.48 Tm (, Suite 2150 )Tj ET EMC /TD <>BDC BT /T1_1 1 Tf 11.23 0 0 11.23 311.04 343.44 Tm (Southern District of Texas )Tj ET EMC /TD <>BDC BT /T1_1 1 Tf 11.09 0 0 11.09 73.2 328.08 Tm (Dallas)Tj /T1_0 1 Tf 9.73 0 0 9.73 102.48 328.32 Tm (, Texas 75201 )Tj ET EMC /TD <>BDC BT /T1_1 1 Tf 11 0 0 11 73.2 315.12 Tm (214-)Tj 10.74 0 0 10.74 94.32 315.12 Tm (979-)Tj /T1_0 1 Tf 10.14 0 0 10.14 114.48 315.12 Tm (9381 Desk )Tj ET EMC /TD <>BDC BT /T1_1 1 Tf 10.87 0 0 10.87 73.44 301.44 Tm (214-)Tj 10.74 0 0 10.74 94.32 301.44 Tm (979-)Tj 11.88 0 0 11.88 114.72 301.68 Tm (9350 Offce )Tj ET EMC /TD <>BDC BT /T1_2 1 Tf 8.11 0 0 8.11 73.2 288 Tm (Facsimile: 214-)Tj /T1_1 1 Tf 10.87 0 0 10.87 146.88 288.24 Tm (953-)Tj 10.8 0 0 10.8 167.76 288.24 Tm (3079 )Tj ET EMC /TD <>BDC BT /T1_1 1 Tf 10.3 0 0 10.3 310.56 262.08 Tm (By: )Tj ET EMC /TD <>BDC BT /T1_1 1 Tf 11.3 0 0 11.3 311.04 235.2 Tm (Assistant United States Attorney )Tj ET EMC /TD <>BDC BT /T1_1 1 Tf 10.5 0 0 10.5 311.04 222 Tm (Attorney- In-)Tj 11.05 0 0 11.05 367.44 222 Tm (Charge )Tj ET EMC /TD <>BDC BT /T1_1 1 Tf 11.26 0 0 11.26 311.04 208.32 Tm (Texas Bar Number )Tj ET EMC /TD <>BDC BT /T1_1 1 Tf 11.19 0 0 11.19 311.28 194.4 Tm (910 Travis Street)Tj 11.24 0 0 11.24 389.04 194.88 Tm (, Suite 1500 )Tj ET EMC /TD <>BDC BT /T1_1 1 Tf 11.19 0 0 11.19 310.8 180.96 Tm (Houston)Tj 11.1 0 0 11.1 349.44 181.2 Tm (, TX 77002 )Tj ET EMC /TD <>BDC BT /T1_2 1 Tf 8.62 0 0 8.62 311.04 167.28 Tm (Phone: 713-)Tj /T1_1 1 Tf 10.74 0 0 10.74 369.12 167.52 Tm (567-)Tj 10.92 0 0 10.92 389.76 167.76 Tm (9000 )Tj ET EMC /TD <>BDC BT /T1_2 1 Tf 8.08 0 0 8.08 311.04 154.08 Tm (Facsimile: 713-)Tj /T1_1 1 Tf 11 0 0 11 384.48 154.32 Tm (718-)Tj 10.92 0 0 10.92 405.6 154.32 Tm (3300 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 8.98 0 0 8.98 246.24 74.64 Tm (Complaint - Page 11 of 12 )Tj ET EMC endstream endobj 1094 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /Artifact <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 107.52 736.32 Tm (Case 4:06-cv-)Tj 9.89 0 0 9.89 177.84 736.32 Tm (021 02 )Tj 11.03 0 0 11.03 225.36 736.56 Tm (Document 1-)Tj 11.08 0 0 11.08 311.76 736.56 Tm (Filed 06/22/2006 )Tj 11.06 0 0 11.06 411.6 736.56 Tm (Page 11 of 12 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.24 0 0 11.24 175.68 681.84 Tm (you from contradicting, obscuring, or )Tj 11.25 0 0 11.25 175.92 668.16 Tm (overshadowing the notification of consumer rights )Tj 11.27 0 0 11.27 175.68 654.72 Tm (contained in the validation notice required by )Tj /T1_0 1 Tf 10.79 0 0 10.79 176.16 641.04 Tm (Section 809. Individual debt )Tj /T1_1 1 Tf 11.2 0 0 11.2 311.76 642 Tm (collectors may be )Tj 11.19 0 0 11.19 175.92 627.36 Tm (financially liable for their violations of the Act. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.18 0 0 11.18 141.6 599.52 Tm (Enjoin Defendants permanently from future violations of the FDCP )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.13 0 0 11.13 446.88 601.68 Tm (A and the FTC )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.17 0 0 11.17 73.68 571.92 Tm (Act; and )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.25 0 0 11.25 141.36 545.52 Tm (Award Plaintiff such additional relief as the Court may deem just and pr\ oper. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11 0 0 11 73.44 518.16 Tm (DATED: )Tj ET EMC /TD <>BDC BT /T1_1 1 Tf 10.97 0 0 10.97 73.68 477.6 Tm (Of counsel: )Tj ET EMC /TD <>BDC BT /T1_1 1 Tf 11.28 0 0 11.28 310.8 479.28 Tm (FOR THE UNITED STATES OF )Tj ET EMC /TD <>BDC BT /T1_1 1 Tf 10.95 0 0 10.95 311.04 465.6 Tm (AMERICA: )Tj ET EMC /TD <>BDC BT /T1_1 1 Tf 13.21 0 0 13.21 73.2 437.28 Tm (BRALEY )Tj 11.07 0 0 11.07 129.36 437.52 Tm (ELBEIN )Tj ET EMC /TD <>BDC BT /T1_1 1 Tf 11.25 0 0 11.25 310.8 438.24 Tm (PETER D. KEISLER )Tj ET EMC /TD <>BDC BT /T1_1 1 Tf 11.24 0 0 11.24 73.2 423.84 Tm (Director)Tj 11.22 0 0 11.22 111.12 423.84 Tm (, Southwest Region )Tj ET EMC /TD <>BDC BT /T1_1 1 Tf 11.22 0 0 11.22 310.8 424.8 Tm (Assistant Attorney General )Tj ET EMC /TD <>BDC BT /T1_1 1 Tf 11.25 0 0 11.25 310.8 411.12 Tm (Civil Division )Tj ET EMC /TD <>BDC BT /T1_0 1 Tf 11.57 0 0 11.57 73.2 396.72 Tm (KRSTIN MALMBERG )Tj ET EMC /TD <>BDC BT /T1_1 1 Tf 11.3 0 0 11.3 310.56 397.68 Tm (United States Department of Justice )Tj ET EMC /TD <>BDC BT /T1_1 1 Tf 11.21 0 0 11.21 73.2 383.28 Tm (Attorney )Tj ET EMC /TD <>BDC BT /T1_1 1 Tf 11.24 0 0 11.24 73.44 369.6 Tm (Southwest Region )Tj ET EMC /TD <>BDC BT /T1_1 1 Tf 11.8 0 0 11.8 310.56 371.04 Tm (DONALD J. 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4]oZYosv0]Lyz7/.N_g6˿OMb^~7^c?+d_F?# `Fxlgvžo̹՛mOP86^ ^l( JRRxjZ3Y@h"AT%hPPPPPPPPPPPPPPPPGh9ە\pֹ*p%AYΦ '@Y^vPD (K" \QэuAvЍA7H;<HXlt#:KXQy{6V6kۊEZ<{:r~)H _5r$#r `/d^~-'/e/yk9Z%^~zDyLNx iJKƣ -N :#OɲO tb endstream endobj 1358 0 obj<>stream H\0E3_gX.ŴUΞ!MRi2}"WF'˟_}74cMm ќ38ta^IK=fy:||rvY3-^<|o܅}4Mlĩ~xǷxl~Yx~o%\Ir04:!Nuڽٵ>}ߚ)6˙S7'f#p l6 <<)%*P A' ' (4 D@K ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( (*Jfs+(s T!l(K⾃$MN$,,#PDzGA@YUޣ  g7n$, t#vx=F~u6(bJll׶y[uR.`/k{I8,G˯@^~-GɞZN^^^rK"^^G ̉r.~*ܦ)/28>~LqyʤO}+7dL endstream endobj 1359 0 obj<>stream H\͎0 gn&mĘż}}.dzEg|n||1bnhxsݐ M24,Ie~5t}}zzh?&Ymn ״6xOa1V.<uMϻd coS\טUMն,k[\Zy;6@S`GSI=^AP$(^VBpQ FHh ڿTTTTTTTTTTTTTTTTQE!lzΪ:@ց$;(Kt(KʒH;"eIw(,V{t#a]t#NvЍAHn$,rx\%, (ټT={mI~+GA^a9K˯9^[9Qg/W<{{HWQ_?=s<& 'ۈ yNLƤ .Nnot'2e0tez endstream endobj 1360 0 obj<>stream H\0E/"fHb V>8T(W؎|c&1 gv}3pB4x 4]oZYosv0]Lyz7/.N_g6˿OMb^~7^c?+d_F?# `Fxlgvžo̹՛mOP86^ ^l( JRRxjZ3Y@h"AT%hPPPPPPPPPPPPPPPPGh9ە\pֹ*p%AYΦ '@Y^vPD (K" \QэuAvЍA7H;<HXlt#:KXQy{6V6kۊEZ<{:r~)H _5r$#r 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-;88*jZ `pN+UA  >*H რ >*H რ >*H რ >*H0PQ6"dPc@cdq/dqh8Y'Ȫ 5phyp}pán8kt{ hΡkQߢ(jrd[GV.0A/#{9HerRE/u^n%3&cr``(>stream H\0E/"fHb V>8T(W؎|c&1 gv}3pB4x 4]oZYosv0]Lyz7/.N_g6˿OMb^~7^c?+d_F?# `Fxlgvžo̹՛mONlx%xU`KU (( J*JO jgAP!hQ@P>@@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>UͦlWrQYC:PceI8 *ʒ𲃲$ҎH@YeUxn$ n$(ЍD Fb+\¢+U߳ _V,roKGJR#%a/{%{k9y){yUγ_Ѻg/xz%3'crpp=SOS^2ehqJu}|NqyʤO}`1\b/ endstream endobj 1373 0 obj<>stream H\0E3_gX.ŴUΞ!MRi2}"WF'˟_}74cMm ќ38ta^IK=fy:||rvY3-^<|o܅}4Mlĩ~xǷxl~Yx~o%\Ir04:!Nuڽٵ>}ߚ)6˙S7'f#p l6 <<)%*P A' ' (4 D@K ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( (*Jfs+(s T!l(K⾃$MN$,,#PDzGA@YUޣ  g7n$, t#vx=F~u6(bJll׶y[uR.`/k{I8,G˯@^~-GɞZN^^^rK"^^G ̉r.~*ܦ)/28>~LqyʤO}+7dL endstream endobj 1374 0 obj<>stream H\͎0 _gL7YG{6R1b޾>2"G䳍|D|>>~UyOax}TxSAFޯ7N?(᜺Q5MQe_O/GA9ĹOJ?rqiUIn _ Q:~ qKX4Z麶)N̵]h3 -;88*jZ `pN+UA  >*H რ >*H რ >*H რ >*H0PQ6"dPc@cdq/dqh8Y'Ȫ 5phyp}pán8kt{ hΡkQߢ(jrd[GV.0A/#{9HerRE/u^n%3&cr``(>stream H\0E/"fHb V>8T(W؎|c&1 gv}3pB4x 4]oZYosv0]Lyz7/.N_g6˿OMb^~7^c?+d_F?# `Fxlgvžo̹՛mONlx%xU`KU (( J*JO jgAP!hQ@P>@@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>UͦlWrQYC:PceI8 *ʒ𲃲$ҎH@YeUxn$ n$(ЍD Fb+\¢+U߳ _V,roKGJR#%a/{%{k9y){yUγ_Ѻg/xz%3'crpp=SOS^2ehqJu}|NqyʤO}`1\b/ endstream endobj 1376 0 obj<>stream H\0E3_gX.ŴUΞ!MRi2}"WF'˟_}74cMm ќ38ta^IK=fy:||rvY3-^<|o܅}4Mlĩ~xǷxl~Yx~o%\Ir04:!Nuڽٵ>}ߚ)6˙S7'f#p l6 <<)%*P A' ' (4 D@K ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( (*Jfs+(s T!l(K⾃$MN$,,#PDzGA@YUޣ  g7n$, t#vx=F~u6(bJll׶y[uR.`/k{I8,G˯@^~-GɞZN^^^rK"^^G ̉r.~*ܦ)/28>~LqyʤO}+7dL endstream endobj 1377 0 obj<>stream H\͎0 gn&mĘż}}.dzEg|n||1bnhxsݐ M24,Ie~5t}}zzh?&Ymn ״6xOa1V.<uMϻd coS\טUMն,k[\Zy;6@S`GSI=^AP$(^VBpQ FHh ڿTTTTTTTTTTTTTTTTQE!lzΪ:@ց$;(Kt(KʒH;"eIw(,V{t#a]t#NvЍAHn$,rx\%, (ټT={mI~+GA^a9K˯9^[9Qg/W<{{HWQ_?=s<& 'ۈ yNLƤ .Nnot'2e0tez endstream endobj 1378 0 obj<>stream H\0E/"fHb V>8T(W؎|c&1 gv}3pB4x 4]oZYosv0]Lyz7/.N_g6˿OMb^~7^c?+d_F?# `Fxlgvžo̹՛mOP86^ ^l( JRRxjZ3Y@h"AT%hPPPPPPPPPPPPPPPPGh9ە\pֹ*p%AYΦ '@Y^vPD (K" \QэuAvЍA7H;<HXlt#:KXQy{6V6kۊEZ<{:r~)H _5r$#r `/d^~-'/e/yk9Z%^~zDyLNx iJKƣ -N :#OɲO tb endstream endobj 1379 0 obj<>stream H\0E3_gX.ŴUΞ!MRi2}"WF'˟_}74cMm ќ38ta^IK=fy:||rvY3-^<|o܅}4Mlĩ~xǷxl~Yx~o%\Ir04:!Nuڽٵ>}ߚ)6˙S7'f#p l6 <<)%*P A' ' (4 D@K ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( (*Jfs+(s T!l(K⾃$MN$,,#PDzGA@YUޣ  g7n$, t#vx=F~u6(bJll׶y[uR.`/k{I8,G˯@^~-GɞZN^^^rK"^^G ̉r.~*ܦ)/28>~LqyʤO}+7dL endstream endobj 1380 0 obj<>stream H\͎0 gn&mĘż}}.dzEg|n||1bnhxsݐ M24,Ie~5t}}zzh?&Ymn ״6xOa1V.<uMϻd coS\טUMն,k[\Zy;6@S`GSI=^AP$(^VBpQ FHh ڿTTTTTTTTTTTTTTTTQE!lzΪ:@ց$;(Kt(KʒH;"eIw(,V{t#a]t#NvЍAHn$,rx\%, (ټT={mI~+GA^a9K˯9^[9Qg/W<{{HWQ_?=s<& 'ۈ yNLƤ .Nnot'2e0tez endstream endobj 1381 0 obj<>stream H\0E/"fHb V>8T(W؎|c&1 gv}3pB4x 4]oZYosv0]Lyz7/.N_g6˿OMb^~7^c?+d_F?# `Fxlgvžo̹՛mONlx%xU`KU (( J*JO jgAP!hQ@P>@@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>UͦlWrQYC:PceI8 *ʒ𲃲$ҎH@YeUxn$ n$(ЍD Fb+\¢+U߳ _V,roKGJR#%a/{%{k9y){yUγ_Ѻg/xz%3'crpp=SOS^2ehqJu}|NqyʤO}`1\b/ endstream endobj 1382 0 obj<>stream H\0E3_gX.ŴUΞ!MRi2}"WF'˟_}74cMm ќ38ta^IK=fy:||rvY3-^<|o܅}4Mlĩ~xǷxl~Yx~o%\Ir04:!Nuڽٵ>}ߚ)6˙S7'f#p l6 <<)%*P A' ' (4 D@K ( ( ( ( ( ( ( ( ( ( ( ( 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M24,Ie~5t}}zzh?&Ymn ״6xOa1V.<uMϻd coS\טUMն,k[\Zy;6@S`GSI=^AP$(^VBpQ FHh ڿTTTTTTTTTTTTTTTTQE!lzΪ:@ց$;(Kt(KʒH;"eIw(,V{t#a]t#NvЍAHn$,rx\%, (ټT={mI~+GA^a9K˯9^[9Qg/W<{{HWQ_?=s<& 'ۈ yNLƤ .Nnot'2e0tez endstream endobj 1387 0 obj<>stream H\0E/"fHb V>8T(W؎|c&1 gv}3pB4x 4]oZYosv0]Lyz7/.N_g6˿OMb^~7^c?+d_F?# `Fxlgvžo̹՛mONlx%xU`KU (( J*JO jgAP!hQ@P>@@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>UͦlWrQYC:PceI8 *ʒ𲃲$ҎH@YeUxn$ n$(ЍD Fb+\¢+U߳ _V,roKGJR#%a/{%{k9y){yUγ_Ѻg/xz%3'crpp=SOS^2ehqJu}|NqyʤO}`1\b/ endstream endobj 1388 0 obj<> endobj 1389 0 obj<>stream application/pdf Whitewing Financial - Complaint for Civil Penalties, Injunctive, and Other Relief FTC 2006-06-29T13:57:17-04:00 2006-06-29T13:57:17-04:00 2006-06-29T13:57:17-04:00 uuid:0993f50a-4add-4c58-8749-3a4f533201be uuid:e4de7cf5-6ead-49ed-849b-61daa146e8ce endstream endobj xref 0 2 0000000739 65535 f 0000439657 00000 n 3 1 0000439823 00000 n 10 1 0000440068 00000 n 17 1 0000440318 00000 n 24 1 0000440568 00000 n 31 1 0000440818 00000 n 38 1 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