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Tj /F7 11.98 Tf -149.28 -28.56 TD (TIMOTHY FELDMAN) Tj /F7 11.70 Tf -.24 -28.56 TD (LEONARD PRUZANSKY) Tj /F8 11.37 Tf 0.00 -28.32 TD (JOHJ'J BREWSTER) Tj /F8 11.73 Tf 97.44 0.00 TD (, and) Tj /F7 12.67 Tf -97.68 -28.80 TD (DERRK DAVIS) Tj /F8 11.84 Tf 107.52 -28.08 TD (Defendants.) Tj /F7 12.19 Tf 183.60 170.64 TD (Civil Action No. H-) Tj /F8 11.17 Tf 99.84 -.24 TD (07-) Tj /F8 10.80 Tf 16.08 -.24 TD (3741) Tj /F8 12.75 Tf -382.08 -227.28 TD (COMPLAINT FOR CIVIL PENALTIES. INJUNCTIVE. AND OTHER RELIEF) Tj /F8 12.30 Tf 10.56 -28.32 TD (Plaintiff) Tj /F8 11.97 Tf 39.60 0.00 TD (, the United States of America) Tj /F8 11.96 Tf 145.44 0.24 TD (, acting upon notification and authorization to the) Tj /F8 11.92 Tf -220.56 -28.80 TD (Attorney General by the 鶹ý Trade Commission \(") Tj /F8 11.96 Tf 260.88 0.72 TD (Commission) Tj /F8 11.94 Tf 66.00 -.24 TD (\), by its undersigned) Tj /F8 11.59 Tf -326.88 -28.80 TD (attorneys) Tj /F8 11.91 Tf 43.44 0.48 TD (, for its Complaint alleges as follows:) Tj /F7 12.23 Tf 109.68 -28.80 TD (JURISDICTION AND VENUE) Tj /F8 11.95 Tf -81.84 -28.32 TD (This is an action arising under 99 5\(a\), 5\(m\)\(1\)\(A\), 13\(b\), and 16\(a\) of the 鶹ý) Tj /F8 11.93 Tf -71.28 -28.32 TD (Trade Commission Act \(") Tj /F8 12.01 Tf 123.84 0.48 TD (FTC Act") Tj /F8 11.68 Tf 47.76 0.00 TD (\), 15 U.S.) Tj /F8 11.94 Tf 46.32 0.00 TD (C. 99 45\(a\), 45\(m\)\(1\)\(A\), 53\(b\), and 56\(a\), and the) Tj /F8 12.00 Tf -218.16 -29.04 TD (Fair Debt Collection Practices Act \(") Tj /F8 11.96 Tf 177.36 0.72 TD (FDCPA") Tj /F8 11.62 Tf 43.92 0.24 TD (\), 15 U.S.) Tj /F9 5.00 Tf 46.08 -.24 TD (C. 9 1692 ) Tj /F7 9.16 Tf 49.44 0.00 TD ('ef seq.) 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Tj /F16 8.38 Tf 98.16 0.00 TD (c. 99 1391\(b-c\) and 1395\(a\) and 15 U.) Tj /F16 8.48 Tf 196.80 0.00 TD (c. 953\(b\).) Tj /F15 12.30 Tf -101.52 -28.56 TD (DEFENDANTS) Tj /F15 11.73 Tf -121.68 -28.08 TD (Defendant L TD Financial Services) Tj /F15 11.78 Tf 167.76 -.24 TD (, L.P. \(") Tj /F14 11.33 Tf 37.68 0.24 TD (L TD" or ") Tj /F15 11.92 Tf 49.92 -.24 TD (company) Tj /F15 11.99 Tf 48.72 0.24 TD (\) is a Texas limited) Tj /F15 12.01 Tf -376.08 -28.80 TD (partnership with its principal office and place of business located within the Southern ) Tj /F15 13.12 Tf 413.28 0.24 TD (Distrct of) Tj /F14 10.67 Tf -412.80 -28.56 TD (Texas at 7322 Southwest Freeway, Suite 1600) Tj /F15 11.85 Tf 222.24 0.00 TD (, Houston) Tj /F14 11.10 Tf 46.80 0.00 TD (, Texas 77063. At all times relevant to) Tj /F14 11.14 Tf -269.04 -28.56 TD (this Complaint) Tj /F15 11.98 Tf 71.28 0.24 TD (, Defendant LTD has transacted business in the Southern ) Tj /F16 8.12 Tf 275.52 0.00 TD (Distrct of Texas.) Tj /F15 11.99 Tf -275.04 -28.32 TD (Defendant Timothy Feldman is President) Tj /F15 12.28 Tf 198.24 -.24 TD (, Chief Operating Offcer) Tj /F14 10.43 Tf 121.20 0.00 TD (, and a 50%) Tj /F15 12.08 Tf -390.96 -28.80 TD (owner of LTD. Defendant Feldman plays an active role in the management and/or supervision of) Tj /F15 10.26 Tf -.24 -28.32 TD (L TD') Tj /F15 12.12 Tf 27.36 -.24 TD (s debt collection activities. 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Tj /F15 12.03 Tf -87.12 -28.08 TD (Defendant Leonard Pruzansky is Chainnan of the Board) Tj /F15 12.28 Tf 270.00 -.24 TD (, Chief Executive Offcer) Tj /F15 12.12 Tf -341.76 -28.56 TD (and a 50% owner of LTD. 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Tj /F22 11.95 Tf 25.68 0.24 TD (, Timothy Feldman) Tj /F22 11.83 Tf 92.40 0.00 TD (, Leonard Pruzansky,) Tj /F21 10.81 Tf -362.40 -28.80 TD (John Brewster) Tj /F22 11.91 Tf 69.60 0.00 TD (, and Derrek Davis \(") Tj /F22 11.86 Tf 102.24 0.00 TD (Defendants) Tj /F22 11.89 Tf 59.76 0.24 TD (\) are ") Tj /F21 10.87 Tf 29.76 -.24 TD (debt collectors) Tj /F22 12.03 Tf 70.56 0.00 TD (" as defined in Section) Tj /F22 11.93 Tf -331.44 -28.32 TD (803\(6\) of the FDCPA) Tj /F21 10.67 Tf 104.40 0.24 TD (, 15 U.) Tj /F23 8.11 Tf 42.24 -.24 TD (c. 9 1692a\(6\).) 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Tj /F29 12.23 Tf 34.80 0.00 TD (At all times materal to this Complaint) Tj /F29 11.95 Tf 185.28 0.00 TD (, Defendants have maintained a substantial) Tj /F29 11.94 Tf -257.04 -28.80 TD (course of trade in the collection of debts) Tj /F29 11.93 Tf 192.72 0.24 TD (, in or affecting commerce) Tj /F29 11.69 Tf 126.96 0.00 TD (, as ") Tj /F29 11.87 Tf 24.00 0.00 TD (commerce) Tj /F29 12.00 Tf 49.92 0.00 TD (" is defined in) Tj /F29 11.88 Tf -393.12 -28.56 TD (Section 4 of the FTC Act) Tj /F28 10.55 Tf 120.48 0.24 TD (, 15 U.S.) Tj /F28 11.39 Tf 42.48 -.24 TD (C. 944.) Tj /F29 12.48 Tf -38.88 -28.56 TD (DEFENDANTS' BUSINESS PRACTICES) Tj /F29 10.37 Tf -87.36 -28.32 TD (11.) Tj /F29 11.98 Tf 40.80 0.00 TD (From its offices in Houston and San Antonio) Tj /F29 11.80 Tf 216.00 0.00 TD (, Texas) Tj /F29 11.91 Tf 34.80 0.00 TD (, LTD engages in consumer) Tj /F29 12.03 Tf -328.56 -28.56 TD (debt collection activities in all 50 states. LTD collects on approximately 1) Tj /F29 11.36 Tf 360.24 0.24 TD (250) Tj /F29 11.92 Tf 21.12 -.24 TD (000 accounts a) Tj /F28 10.96 Tf -381.60 -28.56 TD (year. The company collects debts in both English and ) Tj /F29 11.66 Tf 262.56 0.00 TD (Spanish.) Tj /F29 10.18 Tf -225.12 -28.08 TD (12.) Tj /F29 11.89 Tf 34.80 0.00 TD (In numerous instances) Tj /F28 10.81 Tf 107.04 0.00 TD (, L TD collectors threaten or ) Tj /F28 11.11 Tf 136.32 0.00 TD (imply that L TD ) Tj /F29 14.20 Tf 77.76 0.00 TD (wil garish) Tj /F29 11.84 Tf -393.12 -28.80 TD (consumers) Tj /F29 11.45 Tf 52.08 0.24 TD (' wages) Tj /F29 11.88 Tf 36.24 -.48 TD (, seize or attach consumers) Tj /F29 11.94 Tf 129.12 0.00 TD (' property, or initiate lawsuits against them if they) Tj /F29 12.03 Tf -217.20 -28.08 TD (fail to pay LTD. Additional threats are made by LTD collectors) Tj /F29 11.93 Tf 306.72 0.00 TD (, including that criminal actions) Tj /F30 8.10 Tf -306.96 -28.32 TD (wil be taken against ) Tj /F29 11.97 Tf 102.00 -.24 TD (consumers or that consumers ) Tj /F30 8.69 Tf 142.32 0.00 TD (wil be ) Tj /F29 11.67 Tf 36.48 0.24 TD (arrested.) Tj /F29 10.18 Tf -243.36 -28.56 TD (13.) Tj /F30 7.77 Tf 34.80 0.24 TD (In trth and in fact) Tj /F29 11.92 Tf 89.28 0.00 TD (, in numerous instances) Tj /F28 10.68 Tf 112.80 0.00 TD (, when L TD collectors make the threats) Tj /F29 11.92 Tf -274.08 -28.80 TD (contained in Paragraph 12 above) Tj /F29 11.96 Tf 156.96 0.00 TD (, LTD has no legal authority or intent to ) Tj /F30 9.25 Tf 193.92 0.24 TD (garish consumers) Tj /F29 11.72 Tf -351.12 -28.56 TD (wages) Tj /F29 11.88 Tf 30.24 0.00 TD (, seize or attach consumers) Tj /F29 11.93 Tf 129.12 0.00 TD (' property, initiate lawsuits against consumers if they fail to pay) Tj /F29 11.36 Tf -159.12 -28.32 TD (LTD) Tj /F29 11.90 Tf 23.28 0.00 TD (, or have consumers prosecuted or arrested.) Tj /F29 10.37 Tf 13.68 -28.08 TD (14.) Tj /F29 11.92 Tf 35.04 0.00 TD (In numerous instances) Tj /F28 10.92 Tf 107.28 -.24 TD (, L TD collectors call consumers at their place of) Tj /F29 11.96 Tf -179.04 -28.56 TD (employment even though the collectors know it is inconvenient for consumers to receive calls) Tj /F28 10.99 Tf -.72 -28.32 TD (there. L TD collectors also) Tj /F29 11.88 Tf 128.64 0.00 TD (, in some instances) Tj /F29 12.15 Tf 90.48 0.24 TD (, disclose the existence of debts to third paries) Tj /F29 11.87 Tf -218.40 -28.32 TD (such as the consumers) Tj /F28 10.89 Tf 107.28 -.24 TD (' parents, children) Tj /F29 11.78 Tf 86.40 0.24 TD (, employers) Tj /F29 11.81 Tf 55.92 -.24 TD (, co-workers) Tj /F29 11.76 Tf 59.76 0.24 TD (, and neighbors.) Tj /F29 10.37 Tf -272.64 -28.08 TD (15.) Tj /F29 11.92 Tf 35.04 0.00 TD (In numerous instances) Tj /F28 10.77 Tf 107.28 -.24 TD (, L TD collectors use harassing and abusive tactics. ) Tj /F28 10.19 Tf 248.40 0.00 TD (L TD) Tj /F29 11.99 Tf -427.68 -28.56 TD (collectors sometimes call consumers multiple times a day, including calling consumers right back) Tj /F28 10.54 Tf 204.00 -39.12 TD (Page 4 of 12) Tj ET Q endstream endobj xref 1 2 0000118476 00000 n 0000118535 00000 n 24 7 0000118626 00000 n 0000118790 00000 n 0000157920 00000 n 0000119318 00000 n 0000118937 00000 n 0000119064 00000 n 0000119193 00000 n trailer << /Size 31 /Prev 118150 /Root 1 0 R >> startxref 162584 %%EOF % Page Description << /EndOffset 0000205462>> 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 36921 >> stream &!NҙYd; ؐ8g2$ʆSq&N)2 gjAdBP  B(0(g`BXA Pz XeqU~h4U:zziUUTM4NjwDU;MGtK}%L&DA:l8MeAA돪&4pPx6-WIo_U_T]]-RzM_Wޡw/W]]]_XZ,zJo P׫ZUK77ވ֗#zaÝBVN}H!u}_ 3b͈<']kګ8sP "HB /vI% 'AxA '^a|,Wk ޕ%~OO|.JlWWKCN|/%_%zK%wDXN cDv1_#ƈcc41 A}$H6o1:A n/_tqizNӥםikK$=<4t_K$_77t"K-imsƺOuk_W\ _^%M7.J__׃OA/[%P_U"_ 0qA?> _jɉ~6kr]A "'_DW"!z k-__-gDqEK}'W_G.,=[ל:>_,*u7}hnWW_W_ t֯t_G{_uoV_V[]oou_~uҤ[[]-/JKVm,Zm&)mkIm+_Km}[V]mkհMB:ai}K0L0 % /!_% .( XKa66҆AASDZL~+1Kı*)^%d{ӴMa5ka4AkXk 0a {_h0CA ,0a0d)2C(>6Ve˟xu̬J+5^%8DDDDDDDDDGᄬUaG"lR^jgfKcI&8*6("Yæ0PX ((MJj 1TB}Ϋ rhnwTg~j_#F&kWHNV}^*5?H5;&kV;ݕWHGbVb$cO X f 4fV`g8)6f 8)>y":3gSD/3 #C62u4f  ' gP0!rt#6`r jl.dUԼ3". ! ߝKa/wo}`;~ݪ;_կ__?kלZKմo5zIz{޿m-}&I޻m/V_VگZVkivkV _iՏͯc_{ac<(#޼^apEF {/[ji5P!}i5k1Wvi'j}a{*҈;I҈;I:jqpi4A'r MKc ikm\5MZ8M I;j]HRaM6mp׆5 .!0&  ":0AdGQLPA 1 m4 AAqX! r$'pؠA@i@i( SR$ &Du5 &h0 OjB5 MBMT0aj Ba0U /*JL$MBaa4MBaDDDDDlDDFd""! 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D[ & a$>Oץ; ?"wn$n~DIo_7AO/h/uÇ΋]E _Kݵ K{K $xn裲G8mj<6"FBax{_޿殹>V_h_k/on_k۶ik_jKn6}Ba+ikk{i4]kЮ^?kױak}6k+XR޽L,c; WRip{+I#9+?NW|=.ҏۏJ;W鯎{8,';ail=G/#ݨ[/&&\Ɓc?֤Ӈ +#bkf⟄IKa0ƿ&3rb:ɧomJ?D?nDi' O7 K]#$y:&_O:/EtAKD XmCk_j}d j_}HC.[:/ED~Kֻk;ZZjuVچ͠v kIKմm׷m/Jm/m[H}۵{]Ru_zm/^v-yz_Zvkkoomin^ViZ ͭcj4yw?޿+|zS \_j0j.Wkkm5i65jM{[MZVA]5}GխC}C{:j0MCV( Ӡ6)յpը5&opI;iJ֭m+IcMN0M&Ȱi6a& 6,$m0 AiAڊdGQM A0M !LPL&6 ӆCZB86ipBL 40B#Xa0:ZMAajl$^AALd0L&Ȱ.iIkL)'"""""8 7",=a`t0a0YpC0>LL B! &DDDDDhDDDDDDDDDDDDzKܬ.M^=R z"ڈG6&)RdTD` 쵕 A3"ytv Za4몮'7khȰ!)o;!Ekj4"R,uά`Ў:gC2r,VIpD?0C30A!ka yqp@C%XgB>)Lك88dB`!3 dCٳD>35hGX'#P @`h%Q5 X 0& jA`5O aB  ` ¦ 40@Bʢv"Ԡ㗍t/Dމ Lpp= n0z'iSפHZS XrOI"֐4*QM:LP@^Ȱa0 0B"1GZᄱVF-G endstream endobj 33 0 obj << /Length 4126 >> stream q q 591.36 0.00 0.00 768.00 0.00 0.00 cm 0.00 0.00 0.00 rg /Im34 Do Q Q q BT 3 Tr /F35 11.33 Tf 102.96 755.28 TD (Case 4:07 -cv-) Tj /F36 11.17 Tf 74.40 0.00 TD (037 41) Tj /F36 13.15 Tf 50.64 0.24 TD (Document ) Tj /F36 12.77 Tf 84.72 0.00 TD (Filed 11/05/2007) Tj /F35 11.68 Tf 106.08 0.00 TD (Page 5 of 12) Tj /F36 12.07 Tf -361.68 -54.00 TD (after being hung up on by the consumers. In addition) Tj /F36 11.69 Tf 256.08 0.00 TD (, some L TD collectors use ) Tj /F36 11.87 Tf 128.88 0.00 TD (abusive) Tj /F36 11.84 Tf -385.20 -28.32 TD (language) Tj /F36 11.87 Tf 43.44 -.24 TD (, including racial slurs and profanity.) Tj /F36 10.37 Tf -6.24 -28.32 TD (16.) Tj /F36 11.28 Tf 35.04 -.24 TD (LTD') Tj /F36 11.97 Tf 27.12 0.24 TD (s collection practices generate hundreds of complaints filed with the 鶹ý) Tj /F36 12.00 Tf -99.36 -28.32 TD (Trade Commission) Tj /F36 11.92 Tf 92.40 0.00 TD (, the Houston Better Business Bureau) Tj /F36 12.57 Tf 179.52 -.24 TD (, varous state ) Tj /F36 11.79 Tf 69.12 0.00 TD (attorneys general) Tj /F36 11.87 Tf 81.84 0.00 TD (, and the) Tj /F36 11.95 Tf -422.40 -28.80 TD (company itself. Many of these complaints allege significant FTC Act and/or FDCP ) Tj /F36 11.89 Tf 400.08 0.24 TD (A violations.) Tj /F36 10.18 Tf -363.12 -28.56 TD (17.) Tj /F36 11.39 Tf 34.80 0.00 TD (LTD') Tj /F36 11.95 Tf 27.36 0.00 TD (s response to the consumer complaints it receives is cavalier at best.) Tj /F36 11.86 Tf -99.12 -28.32 TD (Complaints forwarded to L TD by state attorneys general and the Houston Better Business) Tj /F36 11.80 Tf -.24 -28.32 TD (Bureau) Tj /F36 11.95 Tf 34.80 0.00 TD (, alleging egregious violations of the FTC Act and/or the FDCPA) Tj /F36 11.92 Tf 312.96 -.24 TD (, are frequently) Tj /F36 12.08 Tf -347.76 -28.56 TD (dismissed without significant investigation. Even in the face of substantial evidence that) Tj /F35 11.52 Tf 0.00 -28.32 TD (violations occured) Tj /F36 11.93 Tf 92.64 0.00 TD (, the collectors involved often go unpunished or merely receive a warning.) Tj /F36 10.37 Tf -55.44 -28.32 TD (18.) Tj /F36 11.28 Tf 35.04 -.24 TD (LTD') Tj /F36 11.94 Tf 27.36 0.00 TD (s internal compliance program regularly catches collectors violating the FTC) Tj /F36 12.01 Tf -99.60 -28.08 TD (Act and/or the FDCP A. However) Tj /F36 11.97 Tf 163.68 -.24 TD (, even multiple egregious violations by individual collection) Tj /F36 11.73 Tf -163.44 -28.32 TD (employees) Tj /F35 11.73 Tf 51.12 -.24 TD (, wrtten up by the compliance deparent) Tj /F35 11.05 Tf 202.56 0.00 TD (, frequently go without serous punishment.) Tj /F36 10.37 Tf -216.72 -28.08 TD (19.) Tj /F36 11.92 Tf 35.04 -.24 TD (In some instances) Tj /F36 11.41 Tf 85.44 0.00 TD (, LTD') Tj /F36 11.69 Tf 33.12 0.00 TD (s front-) Tj /F36 11.93 Tf 34.56 0.00 TD (line supervisors and mid-) Tj /F36 11.87 Tf 121.68 0.00 TD (level managers) Tj /F36 12.46 Tf -347.28 -28.32 TD (paricipate in actions ) Tj /F36 12.10 Tf 103.44 0.00 TD (described in Paragraphs ) Tj /F37 8.34 Tf 118.56 0.00 TD (11 through 15) Tj /F36 12.18 Tf 66.24 -.24 TD (, above. In other instances) Tj /F36 11.39 Tf 128.16 0.24 TD (, LTD) Tj /F36 11.97 Tf -416.40 -28.32 TD (managers are aware of such practices by collectors under their supervision) Tj /F36 11.98 Tf 356.88 -.24 TD (, but fail to sufficiently) Tj /F37 7.45 Tf -356.40 -28.32 TD (discipline the collectors.) Tj /F36 11.14 Tf 36.00 -28.08 TD (20.) Tj /F36 11.39 Tf 36.00 -.24 TD (LTD') Tj /F36 11.96 Tf 27.36 0.00 TD (s senior managers either turn a blind eye to the company) Tj /F36 11.97 Tf 274.08 0.00 TD (s violative acts and) Tj /F36 12.03 Tf -373.92 -27.84 TD (practices or they fail to exercise the ) Tj /F36 13.19 Tf 174.00 -.24 TD (superision necessar to ) Tj /F35 10.65 Tf 119.04 -.24 TD (make themselves aware of the) Tj /F36 12.09 Tf -292.32 -28.08 TD (significant problems occurrng within their organization.) 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Tj /F50 11.90 Tf 36.24 0.24 TD (The term ") Tj /F50 11.98 Tf 51.84 0.00 TD (consumer) Tj /F50 12.06 Tf 49.68 -.24 TD (" as used in this Complaint) Tj /F49 10.36 Tf 130.32 0.24 TD (, means any ) Tj /F51 8.74 Tf 59.28 0.00 TD (natual person) Tj /F50 11.93 Tf -363.12 -28.56 TD (obligated or allegedly obligated to pay any debt) Tj /F50 11.81 Tf 228.00 0.00 TD (, as ") Tj /F50 12.20 Tf 24.00 0.00 TD (debt" is defined in Section 803\(5\) ofthe) Tj /F50 11.99 Tf -252.24 -28.32 TD (FDCPA) Tj /F49 10.67 Tf 38.88 0.00 TD (, 15 U.) Tj /F51 8.11 Tf 42.24 0.00 TD (C. 9 1692a\(5\).) Tj /F50 12.66 Tf 125.52 -28.80 TD (COUNT II) Tj /F50 11.33 Tf -170.64 -28.08 TD (27.) 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Tj /F58 8.17 Tf 42.24 0.00 TD (C. 9 1692e\(4\);) Tj /F57 11.86 Tf -81.36 -28.56 TD (Defendants) Tj /F57 11.96 Tf 54.72 0.00 TD (, directly or indirectly, have threatened to take actions that) Tj /F57 11.95 Tf -54.48 -28.32 TD (cannot legally be taken or that are not intended to be taken) Tj /F57 12.22 Tf 280.56 0.24 TD (, in violation of) Tj /F57 11.96 Tf -280.32 -28.56 TD (Section 807\(5\) of the FDCPA) Tj /F56 10.67 Tf 143.28 0.00 TD (, 15 U.) Tj /F58 8.12 Tf 42.00 0.24 TD (C. 9 1692e\(5\); or) Tj /F57 11.91 Tf -185.76 -28.56 TD (Defendants) Tj /F57 11.95 Tf 54.96 0.00 TD (, directly or indirectly, have used false representations or) Tj /F57 12.00 Tf -54.72 -28.56 TD (deceptive means to collect or attempt to collect debts or to obtain) Tj /F57 11.98 Tf 0.00 -28.56 TD (information concerning a consumer) Tj /F57 12.01 Tf 170.88 0.00 TD (, in violation of Section 807\(10\) of the) Tj /F57 11.99 Tf -171.12 -28.08 TD (FDCPA) Tj /F56 10.67 Tf 39.12 0.24 TD (, 15 U.) Tj /F58 8.24 Tf 42.24 0.00 TD (c. 9 1692e\(10\).) 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'L z583!c!k&uy P6l, D=͙y:~ `A < ?P&8j B D   AAAO <  (@' .aB4CDDh& Ţc_Qxڴ^=x8{M[k֟m/CWƿpKO/'?]A?_ӃW__iu_&Ov]M~ jྯbw_޼"Oa_}u_׷_h'߶I 뮿ۯ~,/뮿/[ָ!w}C_~ȏ[v{Vտ__}[KZZ}_w߶uuu/kk_ץkﭵֽL/KK]]{[_km-_u %P0{bbmL.:WWW[ "0a{0&ZVOUVث/1_Պچi*iYzm$ڲCO:W~Cq^ !{^ 0a-l'Uj+A'IҭS $AQA0M6+XzJޭLmm&JIhBb A#tAAA,%aTvpح a80⢢l0mSAt $a  a$a @)iekeM7a "X0F)t"&#H0B  4Hh8H4aAA"i4&l Ml/i3Ց"!`Dh!! ! *e`:B.AR(0N `*e8`0AB!HDDE""""$ ;DDDDDDDDDDDDD.ɺKKZ+X@Hu[!ReQ`""0)4‚ E vJYx&ʊZMJ/ME[h( ff&&8} H }tk^KJ +&[ mO׿Kdƿ@&Qn'_o][a/Kd?}Kk^d"GVut%^P +V 6[X m@☤ ~[VA>&Ӄ!2(F"ֶ bXP endstream endobj 68 0 obj << /Length 4372 >> stream q q 591.36 0.00 0.00 768.00 0.00 0.00 cm 0.00 0.00 0.00 rg /Im69 Do Q Q q BT 3 Tr /F70 11.33 Tf 99.60 755.28 TD (Case 4:07 -cv-) Tj /F71 11.17 Tf 74.40 0.00 TD (037 41) Tj /F71 13.15 Tf 50.64 0.24 TD (Document ) Tj /F71 12.77 Tf 84.72 0.00 TD (Filed 11/05/2007) Tj /F70 11.71 Tf 106.08 0.00 TD (Page 10 of 12) Tj /F71 12.69 Tf -319.20 -55.44 TD (INJUNCTION FOR VIOLATIONS OF THE FTC ACT AND THE FDCPA) Tj /F71 11.14 Tf -2.16 -28.80 TD (31.) Tj /F71 12.00 Tf 35.76 0.00 TD (Under Section 13\(b\) of the FTC Act) Tj /F70 10.59 Tf 174.48 0.24 TD (, 15 U.) Tj /F71 11.99 Tf 42.00 -.24 TD (C. 9 53\(b\), this Court is authorized to) Tj /F71 11.90 Tf -288.48 -28.08 TD (issue a ) Tj /F71 14.62 Tf 35.04 -.24 TD (peranent ) Tj /F71 11.80 Tf 54.00 0.24 TD (injunction to ensure that Defendants L ) Tj /F71 11.92 Tf 184.08 0.00 TD (TD Financial Services) Tj /F70 10.49 Tf 107.52 -.24 TD (, L.P.) Tj /F71 11.99 Tf 25.68 0.48 TD (, Timothy) Tj /F71 11.93 Tf -406.32 -29.04 TD (Feldman) Tj /F71 11.94 Tf 42.48 0.24 TD (, Leonard Pruzansky, John Brewster) Tj /F71 11.87 Tf 173.76 0.00 TD (, and Derrek Davis ) Tj /F72 8.06 Tf 92.64 0.00 TD (wil not continue to ) Tj /F71 12.02 Tf 96.72 0.00 TD (violate the) Tj /F71 11.68 Tf -405.36 -28.56 TD (FTC Act and the FDCP ) Tj /F70 12.26 Tf 26.16 -29.04 TD (DISGORGEMENT FOR VIOLATIONS OF THE FTC ACT AND THE FDCPA) Tj /F71 10.95 Tf 10.32 -28.56 TD (32.) Tj /F71 12.00 Tf 35.76 0.00 TD (Under Section 13\(b\) of the FTC Act) Tj /F70 10.67 Tf 174.24 0.24 TD (, 15 U.) Tj /F71 11.98 Tf 42.24 -.24 TD (C. 9 53\(b\), this Court is authorized to) Tj /F71 12.02 Tf -288.48 -28.32 TD (issue all equitable and ) Tj /F70 12.87 Tf 109.44 0.24 TD (ancilar relief ) Tj /F71 11.93 Tf 72.96 -.48 TD (as it may deem appropriate in the enforcement of the FTC) Tj /F71 11.61 Tf -182.64 -28.08 TD (Act and the FDCP A) Tj /F71 11.95 Tf 97.44 0.00 TD (, including the ability to order disgorgement to deprive a wrongdoer of his) Tj /F71 15.12 Tf -97.20 -28.80 TD (il-) Tj /F70 10.61 Tf 14.16 0.00 TD (gotten gain.) Tj /F71 12.73 Tf 64.80 -28.80 TD (CIVIL PENALTIES FOR VIOLATIONS OF THE FDCPA) Tj /F71 11.14 Tf -42.72 -28.32 TD (33.) Tj /F71 11.73 Tf 36.00 0.00 TD (Defendant L TD has violated the FDCP A as described above) Tj /F71 11.77 Tf 289.92 0.24 TD (, with actual) Tj /F71 11.97 Tf -361.92 -28.56 TD (knowledge or knowledge fairly implied on the basis of objective circumstances) Tj /F71 11.98 Tf 380.16 0.00 TD (, as set ) Tj /F72 8.40 Tf 35.28 0.00 TD (fort in) Tj /F71 12.18 Tf -414.96 -28.80 TD (Section 5\(m\)\(1\)\(A\) ofthe FTC Act) Tj /F70 10.67 Tf 168.96 0.24 TD (, 15 U.) Tj /F72 8.82 Tf 42.24 -.24 TD (c. 945\(m\)\(1\)\(A\).) Tj /F71 11.14 Tf -175.68 -28.08 TD (34.) Tj /F71 11.98 Tf 36.00 0.00 TD (Each instance within five years preceding the ) Tj /F71 12.32 Tf 220.56 0.00 TD (fiing of this Complaint) Tj /F71 11.78 Tf 113.28 0.00 TD (, in which) Tj /F70 10.83 Tf -405.84 -28.08 TD (L TD has failed to ) Tj /F71 11.85 Tf 87.84 -.24 TD (comply with the FDCP A in one or more of the ways described above) Tj /F71 11.99 Tf -87.84 -28.56 TD (constitutes a separate violation for which Plaintiff seeks ) Tj /F70 12.31 Tf 270.96 0.00 TD (monetar civil ) Tj /F71 11.80 Tf 72.48 0.00 TD (penalties.) Tj /F71 11.14 Tf -307.44 -28.32 TD (35.) Tj /F71 12.18 Tf 36.48 0.00 TD (Section 5\(m\)\(1\)\(A\) ofthe FTC Act) Tj /F70 10.51 Tf 169.20 0.00 TD (, 15 U.) Tj /F72 8.20 Tf 42.00 -.24 TD (c. 9 45\(m\)\(1\)\(A\), as modified ) Tj /F71 12.07 Tf -283.20 -28.08 TD (Section 4 ofthe 鶹ý Civil Penalties Inflation Adjustment Act of 1990) Tj /F70 10.75 Tf 357.12 0.24 TD (28 U.) Tj /F70 11.76 Tf 36.72 -.48 TD (c. 92461) Tj /F71 11.34 Tf 47.28 0.24 TD (, as) Tj /F71 11.84 Tf -441.36 -28.08 TD (amended) Tj /F71 11.92 Tf 43.44 0.00 TD (, and as implemented by 16 C.) Tj /F71 11.61 Tf 155.52 -.24 TD (R. 9 1.) Tj /F71 11.96 Tf 32.16 0.00 TD (98\(d\) \(2007\), authorizes this Court to award) Tj /F70 12.31 Tf -231.60 -28.08 TD (monetar civil ) Tj /F71 11.91 Tf 72.48 -.24 TD (penalties of not more than $11) Tj /F71 12.11 Tf 150.00 0.00 TD (000 for each violation ofthe FDCPA.) 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Tj /F79 8.31 Tf 98.40 0.24 TD (c. 99 45\(m\)\(1\)\(A\), 53\(b\), 1692/) Tj /F78 11.80 Tf 155.04 0.00 TD (, and the) Tj /F78 11.49 Tf -408.24 -28.80 TD (Court') Tj /F78 11.91 Tf 31.44 0.24 TD (s own equitable powers) Tj /F78 11.88 Tf 112.56 0.00 TD (, respectfully requests that the Court:) Tj /F78 11.98 Tf -72.24 -28.56 TD (Enter a permanent injunction to prevent future violations of the FTC Act and the) Tj /F78 11.53 Tf 0.00 -28.56 TD (FDCP A by Defendants;) Tj /F77 11.05 Tf 0.00 -28.32 TD (Award such relief as the Court finds necessar to ) Tj /F78 12.00 Tf 237.60 0.00 TD (redress injury to consumers) Tj /F78 11.94 Tf -237.84 -28.56 TD (resulting from Defendants) Tj /F78 11.95 Tf 126.72 0.24 TD (' violations of the FTC Act and the FDCPA) Tj /F78 11.90 Tf 209.52 0.00 TD (, including) Tj /F79 7.67 Tf -336.24 -28.56 TD (but not limited to) Tj /F78 11.92 Tf 83.76 0.00 TD (, rescission or reformation of contracts) Tj /F78 11.91 Tf 185.04 0.00 TD (, restitution) Tj /F78 12.16 Tf 54.96 0.00 TD (, the refund of) Tj /F77 10.77 Tf -323.52 -28.56 TD (monies paid) Tj /F78 12.14 Tf 58.80 -.24 TD (, and the disgorgement of il-) Tj /F77 10.72 Tf 138.24 0.24 TD (gotten monies;) Tj /F77 11.91 Tf -196.80 -28.32 TD (Award Plaintiff monetar civil ) Tj /F77 10.94 Tf 149.52 0.00 TD (penalties for each violation of the FDCP A) Tj /F78 12.19 Tf -149.28 -28.56 TD (occurrng within five years ) Tj /F78 12.20 Tf 131.28 0.00 TD (preceding the fiing of this Complaint; and) Tj /F78 12.29 Tf -131.52 -28.08 TD (Award Plaintiffthe costs ofbringing this action) Tj /F78 11.97 Tf 228.96 0.00 TD (, as well as such other and) Tj /F78 11.94 Tf -228.48 -28.56 TD (additional relief as the Court may determine to be just and proper.) 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<>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$#r `/d^~-'/e/yk9Z%^~zDyLNx iJKƣ -N :#OɲO tb endstream endobj 906 0 obj <>stream H\0E3_gX.ŴUΞ!MRi2}"WF'˟_}74cMm ќ38ta^IK=fy:||rvY3-^<|o܅}4Mlĩ~xǷxl~Yx~o%\Ir04:!Nuڽٵ>}ߚ)6˙S7'f#p l6 <<)%*P A' ' (4 D@K ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( (*Jfs+(s T!l(K⾃$MN$,,#PDzGA@YUޣ  g7n$, t#vx=F~u6(bJll׶y[uR.`/k{I8,G˯@^~-GɞZN^^^rK"^^G ̉r.~*ܦ)/28>~LqyʤO}+7dL endstream endobj 907 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$,rx\%, (ټT={mI~+GA^a9K˯9^[9Qg/W<{{HWQ_?=s<& 'ۈ yNLƤ .Nnot'2e0tez endstream endobj 908 0 obj <>stream H\0E/"fHb V>8T(W؎|c&1 gv}3pB4x 4]oZYosv0]Lyz7/.N_g6˿OMb^~7^c?+d_F?# `Fxlgvžo̹՛mOP86^ ^l( JRRxjZ3Y@h"AT%hPPPPPPPPPPPPPPPPGh9ە\pֹ*p%AYΦ '@Y^vPD (K" 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±+_}7x41]/1&sL/Li&a(|~y߷ϼxw5ISghIcן/~]6 oX!ݼoL$K`J4:ПRvgm+Rf6̱՛mgvV <<)&X+!(PT +G *4 $@K ( ; ( ( ( ( ( ( ( ( ( ( ( ( ( (**fs(s!l%qAY΂$,,#PD~džjGM7EA7ήdHXlЍD Fb-\¢kU߳ _,r˯sGʀ\#%0a/{%{K9y){yUγ_Ѻg/ x>98\8>Tc_2"elqJu}e)?E.c endstream endobj 913 0 obj <>stream H\ˎ0E{l lzƴC@/[\6=*| ݪqUm74s\{7ddTӅuz?ey:|}]_vTU/iqYWGfs7*c~>Lz[x⧯*]m cɇ8JZUm[gqh[Si;skD l|G8( JR `pNA DZ/ რPq რ >*H რ >*H რ >*H @EtzΪF},cdqM,dqhr8ҎYdrmOn84 #lCә7ќCS ͭim-9rgqV.}H 5|8 mG^z(`ݡGG .o#*<9M0<0!MipJ,{G3d endstream endobj 914 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$#r `/d^~-'/e/yk9Z%^~zDyLNx iJKƣ -N :#OɲO tb endstream endobj 915 0 obj <>stream H\0E3_gX.ŴUΞ!MRi2}"WF'˟_}74cMm ќ38ta^IK=fy:||rvY3-^<|o܅}4Mlĩ~xǷxl~Yx~o%\Ir04:!Nuڽٵ>}ߚ)6˙S7'f#p l6 <<)%*P A' ' (4 D@K ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( (*Jfs+(s T!l(K⾃$MN$,,#PDzGA@YUޣ  g7n$, 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'@Y^vPD (K" \QэuAvЍA7H;<HXlt#:KXQy{6V6kۊEZ<{:r~)H _5r$#r `/d^~-'/e/yk9Z%^~zDyLNx iJKƣ -N :#OɲO tb endstream endobj 927 0 obj <>stream H\0E3_gX.ŴUΞ!MRi2}"WF'˟_}74cMm ќ38ta^IK=fy:||rvY3-^<|o܅}4Mlĩ~xǷxl~Yx~o%\Ir04:!Nuڽٵ>}ߚ)6˙S7'f#p l6 <<)%*P A' ' (4 D@K ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( (*Jfs+(s T!l(K⾃$MN$,,#PDzGA@YUޣ  g7n$, t#vx=F~u6(bJll׶y[uR.`/k{I8,G˯@^~-GɞZN^^^rK"^^G ̉r.~*ܦ)/28>~LqyʤO}+7dL endstream endobj 928 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$,rx\%, (ټT={mI~+GA^a9K˯9^[9Qg/W<{{HWQ_?=s<& 'ۈ yNLƤ .Nnot'2e0tez endstream endobj 929 0 obj <>stream H\0E/"fHb V>8T(W؎|c&1 gv}3pB4x 4]oZYosv0]Lyz7/.N_g6˿OMb^~7^c?+d_F?# `Fxlgvžo̹՛mOP86^ ^l( JRRxjZ3Y@h"AT%hPPPPPPPPPPPPPPPPGh9ە\pֹ*p%AYΦ '@Y^vPD (K" \QэuAvЍA7H;<HXlt#:KXQy{6V6kۊEZ<{:r~)H _5r$#r `/d^~-'/e/yk9Z%^~zDyLNx iJKƣ -N :#OɲO tb endstream endobj 930 0 obj <>stream H\0E3_gX.ŴUΞ!MRi2}"WF'˟_}74cMm 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0 0 12.46 59.52 696.96 Tm (OF COUNSEL: )Tj EMC /P <>BDC /T1_0 1 Tf 11.76 0 0 11.76 59.04 668.64 Tm (DEANY A T. KUECKELHAN )Tj EMC /P <>BDC /T1_1 1 Tf 11.89 0 0 11.89 59.04 654.48 Tm (Director)Tj 11.93 0 0 11.93 99.12 654.48 Tm (, Southwest Region )Tj EMC /P <>BDC 11.97 0 0 11.97 58.8 625.92 Tm (THOMAS B. CARTER )Tj 11.96 0 0 11.96 58.56 611.52 Tm (Attorney, Southwest Region )Tj 11.94 0 0 11.94 58.8 597.36 Tm (Texas Bar No. 03932300 )Tj EMC /P <>BDC 11.74 0 0 11.74 58.8 568.8 Tm (LUIS GALLEGOS )Tj 11.96 0 0 11.96 58.56 554.4 Tm (Attorney, Southwest Region )Tj 11.87 0 0 11.87 58.8 540 Tm (Oklahoma Bar No. 19098 )Tj EMC /P <>BDC 11.88 0 0 11.88 58.56 511.92 Tm (EMILY ROBINSON )Tj 11.96 0 0 11.96 58.56 497.52 Tm (Attorney, Southwest Region )Tj 11.91 0 0 11.91 58.56 483.36 Tm (Texas Bar No. 24046737 )Tj EMC /P <>BDC 11.97 0 0 11.97 58.32 454.56 Tm (鶹ý Trade Commission )Tj 11.71 0 0 11.71 59.28 440.4 Tm (1999 Bryan Street)Tj 11.84 0 0 11.84 145.44 440.4 Tm (, Suite 2150 )Tj 11.75 0 0 11.75 58.08 426.24 Tm (Dallas)Tj /T1_0 1 Tf 10.34 0 0 10.34 89.28 426.48 Tm (, Texas 75201 )Tj EMC /LI_Label <>BDC /T1_1 1 Tf 11.75 0 0 11.75 58.32 412.08 Tm (\(214\))Tj EMC /LI_Title <>BDC ( 979-)Tj /T1_2 1 Tf 8.85 0 0 8.85 109.2 412.08 Tm (9372 \(Mr. Carer\) )Tj EMC /LI_Label <>BDC /T1_1 1 Tf 11.75 0 0 11.75 58.32 397.92 Tm (\(214\))Tj EMC /LI_Title <>BDC ( 979-)Tj 11.89 0 0 11.89 109.2 397.68 Tm (9383 \(Mr. Gallegos\) )Tj EMC /LI_Label <>BDC 11.75 0 0 11.75 58.32 383.52 Tm (\(214\))Tj EMC /LI_Title <>BDC ( 979-)Tj 11.85 0 0 11.85 109.2 383.52 Tm (9350 \(Office\) )Tj EMC /LI_Label <>BDC 11.75 0 0 11.75 58.32 369.12 Tm (\(214\))Tj EMC /LI_Title <>BDC ( 953-)Tj 11.89 0 0 11.89 109.2 369.12 Tm (3079 \(Facsimile\) )Tj EMC /P <>BDC 13.15 0 0 13.15 224.64 755.52 Tm (Document )Tj 12.77 0 0 12.77 309.36 755.52 Tm (Filed 11/05/2007 )Tj /T1_0 1 Tf 11.71 0 0 11.71 415.44 755.52 Tm (Page 12 of 12 )Tj EMC /P <>BDC /T1_1 1 Tf 12.65 0 0 12.65 275.28 697.2 Tm (FOR THE UNITED STATES OF AMERICA: )Tj EMC /P <>BDC 11.95 0 0 11.95 274.8 668.88 Tm (PETER D. KEISLER )Tj 11.93 0 0 11.93 274.8 654.72 Tm (Assistant Attorney General )Tj 0 -1.207 TD (Civil Division )Tj 12.01 0 0 12.01 274.32 625.92 Tm (United States Department of Justice )Tj EMC /P <>BDC 11.77 0 0 11.77 274.56 597.36 Tm (DONALD 1. DEGABRIELLE)Tj 11.29 0 0 11.29 420.96 597.36 Tm (, JR. )Tj 11.97 0 0 11.97 274.32 582.96 Tm (United States Attorney )Tj 11.91 0 0 11.91 275.04 568.8 Tm (Southern District of Texas )Tj EMC /P <>BDC 11.94 0 0 11.94 274.32 526.08 Tm (/s/ Keith Edward Wyatt )Tj 11.9 0 0 11.9 274.56 511.92 Tm (KEITH )Tj /T1_2 1 Tf 14.91 0 0 14.91 313.2 511.92 Tm (EDWAR WYATT )Tj /T1_1 1 Tf 12 0 0 12 274.56 497.76 Tm (Assistant United States Attorney )Tj 11.13 0 0 11.13 274.32 483.6 Tm (Attorney- In-)Tj 11.72 0 0 11.72 334.32 483.12 Tm (Charge )Tj 12.22 0 0 12.22 274.32 469.2 Tm (Texas Bar No. 22092900 )Tj EMC /LI_Label <>BDC 11.9 0 0 11.9 274.8 454.56 Tm (S.)Tj EMC /LI_Title <>BDC ( D. of Texas Bar No. 3480 )Tj 11.88 0 0 11.88 274.32 440.4 Tm (910 Travis Street)Tj 11.94 0 0 11.94 356.88 440.16 Tm (, Suite 1500 )Tj 11.97 0 0 11.97 274.08 426.24 Tm (Houston)Tj 11.73 0 0 11.73 315.12 426 Tm (, TX 77002 )Tj EMC /StyleSpan <>BDC 11.75 0 0 11.75 274.32 409.68 Tm (\(713\))Tj EMC /StyleSpan <>BDC ( 567-)Tj EMC /LI_Title <>BDC /T1_2 1 Tf 8.9 0 0 8.9 325.2 411.84 Tm (9000 \(Phone\) )Tj EMC /LI_Label <>BDC /T1_1 1 Tf 11.75 0 0 11.75 274.32 395.52 Tm (\(713\))Tj EMC /LI_Title <>BDC ( 718-)Tj 11.85 0 0 11.85 325.2 397.44 Tm (3300 \(Facsimile\) )Tj EMC /P <>BDC 11.88 0 0 11.88 274.08 369.12 Tm (EUGENE M. THIROLF\001 )Tj 11.89 0 0 11.89 274.08 354.72 Tm (Director\001 )Tj EMC /P <>BDC 12.06 0 0 12.06 273.6 325.68 Tm (/s/ Kenneth 1. Jost ** )Tj 12.05 0 0 12.05 273.84 311.76 Tm (KENNETH 1. JOST )Tj 11.88 0 0 11.88 273.6 297.6 Tm (Deputy Director )Tj 12.35 0 0 12.35 274.08 283.2 Tm (Offce of Consumer )Tj 11.93 0 0 11.93 372.48 283.44 Tm (Litigation )Tj -8.248 -1.187 Td (Civil Division )Tj EMC /LI_Label <>BDC 12.29 0 0 12.29 273.6 254.88 Tm (U.S.)Tj EMC /LI_Title <>BDC ( Deparment of Justice\001 )Tj 11.92 0 0 11.92 273.84 240.72 Tm (Washington)Tj 11.08 0 0 11.08 331.92 240.72 Tm (, D.)Tj 11.85 0 0 11.85 349.44 240.72 Tm (C. 20530\001 )Tj EMC /LI_Label <>BDC 11.69 0 0 11.69 274.08 226.56 Tm (\(202\))Tj EMC /LI_Title <>BDC ( 616-)Tj /T1_2 1 Tf 8.93 0 0 8.93 324.72 226.32 Tm (0129 \(Phone\) )Tj EMC /LI_Label <>BDC 8.28 0 0 8.28 274.08 212.16 Tm (\(202\))Tj EMC /LI_Title <>BDC ( 514-)Tj /T1_1 1 Tf 11.85 0 0 11.85 324.96 211.68 Tm (8742 \(Facsimile\) )Tj EMC /P <>BDC 11.94 0 0 11.94 274.08 169.92 Tm (** Signed with permission )Tj EMC /P <>BDC /T1_0 1 Tf 10.48 0 0 10.48 258.48 59.76 Tm (Page 12 of 12 )Tj EMC ET endstream endobj 934 0 obj <>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC BT /Artifact <>BDC /T1_0 1 Tf 3 Tr 11.33 0 0 11.33 99.6 755.28 Tm (Case 4:07 -cv-)Tj /T1_1 1 Tf 11.17 0 0 11.17 174 755.28 Tm (037 41 )Tj 13.15 0 0 13.15 224.64 755.52 Tm (Document )Tj 12.77 0 0 12.77 309.36 755.52 Tm (Filed 11/05/2007 )Tj /T1_0 1 Tf 11.71 0 0 11.71 415.44 755.52 Tm (Page 11 of 12 )Tj EMC /P <>BDC /T1_1 1 Tf 12.76 0 0 12.76 228.96 701.04 Tm (PRAYER FOR RELIEF )Tj EMC /P <>BDC 11.9 0 0 11.9 93.84 672.72 Tm (WHEREFORE)Tj 12.2 0 0 12.2 167.52 672.96 Tm (, Plaintiff)Tj /T1_0 1 Tf 10.65 0 0 10.65 212.88 672.72 Tm (, pursuant to 15 U. )Tj /T1_2 1 Tf 8.31 0 0 8.31 311.28 672.96 Tm (c. 99 45\(m\)\(1\)\(A\), 53\(b\), 1692/)Tj /T1_1 1 Tf 11.8 0 0 11.8 466.32 672.96 Tm (, and the )Tj EMC /P <>BDC 11.49 0 0 11.49 58.08 644.16 Tm (Court' )Tj 11.91 0 0 11.91 89.52 644.4 Tm (s own equitable powers)Tj 11.88 0 0 11.88 202.08 644.4 Tm (, respectfully requests that the Court: )Tj 11.98 0 0 11.98 129.84 615.84 Tm (Enter a permanent injunction to prevent future violations of the FTC Act\ and the )Tj 11.53 0 0 11.53 129.84 587.28 Tm (FDCP A by Defendants; )Tj /T1_0 1 Tf 11.05 0 0 11.05 129.84 558.96 Tm (Award such relief as the Court finds necessar to )Tj /T1_1 1 Tf 12 0 0 12 367.44 558.96 Tm (redress injury to consumers )Tj 11.94 0 0 11.94 129.6 530.4 Tm (resulting from Defendants)Tj 11.95 0 0 11.95 256.32 530.64 Tm (' violations of the FTC Act and the FDCPA )Tj 11.9 0 0 11.9 465.84 530.64 Tm (, including )Tj /T1_2 1 Tf 7.67 0 0 7.67 129.6 502.08 Tm (but not limited to)Tj /T1_1 1 Tf 11.92 0 0 11.92 213.36 502.08 Tm (, rescission or reformation of contracts)Tj 11.91 0 0 11.91 398.4 502.08 Tm (, restitution)Tj 12.16 0 0 12.16 453.36 502.08 Tm (, the refund of )Tj /T1_0 1 Tf 10.77 0 0 10.77 129.84 473.52 Tm (monies paid)Tj /T1_1 1 Tf 12.14 0 0 12.14 188.64 473.28 Tm (, and the disgorgement of il-)Tj /T1_0 1 Tf 10.72 0 0 10.72 326.88 473.52 Tm (gotten monies; )Tj 11.91 0 0 11.91 130.08 445.2 Tm (Award Plaintiff monetar civil )Tj 10.94 0 0 10.94 279.6 445.2 Tm (penalties for each violation of the FDCP A )Tj EMC /P <>BDC /T1_1 1 Tf 12.19 0 0 12.19 130.32 416.64 Tm (occurrng within five years )Tj 12.2 0 0 12.2 261.6 416.64 Tm (preceding the fiing of this Complaint; and )Tj 12.29 0 0 12.29 130.08 388.56 Tm (Award Plaintiffthe costs ofbringing this action)Tj 11.97 0 0 11.97 359.04 388.56 Tm (, as well as such other and )Tj 11.94 0 0 11.94 130.56 360 Tm (additional relief as the Court may determine to be just and proper. )Tj EMC /P <>BDC 11.66 0 0 11.66 58.32 303.36 Tm (DATED: )Tj EMC /Artifact <>BDC 12.37 0 0 12.37 258.96 65.76 Tm (Page 11 of12 )Tj EMC ET endstream endobj 935 0 obj <>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC BT /Artifact <>BDC /T1_0 1 Tf 3 Tr 11.33 0 0 11.33 99.6 755.28 Tm (Case 4:07 -cv-)Tj /T1_1 1 Tf 11.17 0 0 11.17 174 755.28 Tm (037 41 )Tj 13.15 0 0 13.15 224.64 755.52 Tm (Document )Tj 12.77 0 0 12.77 309.36 755.52 Tm (Filed 11/05/2007 )Tj /T1_0 1 Tf 11.71 0 0 11.71 415.44 755.52 Tm (Page 10 of 12 )Tj EMC /P <>BDC /T1_1 1 Tf 12.69 0 0 12.69 96.24 700.08 Tm (INJUNCTION FOR VIOLATIONS OF THE FTC ACT AND THE FDCPA )Tj EMC /LI_Label <>BDC 11.14 0 0 11.14 94.08 671.28 Tm (31. )Tj EMC /LI_Title <>BDC 12 0 0 12 129.84 671.28 Tm (Under Section 13\(b\) of the FTC Act)Tj /T1_0 1 Tf 10.59 0 0 10.59 304.32 671.52 Tm (, 15 U. )Tj /T1_1 1 Tf 11.99 0 0 11.99 346.32 671.28 Tm (C. 9 53\(b\), this Court is authorized to )Tj 11.9 0 0 11.9 57.84 643.2 Tm (issue a )Tj 14.62 0 0 14.62 92.88 642.96 Tm (peranent )Tj 11.8 0 0 11.8 146.88 643.2 Tm (injunction to ensure that Defendants L )Tj 11.92 0 0 11.92 330.96 643.2 Tm (TD Financial Services)Tj /T1_0 1 Tf 10.49 0 0 10.49 438.48 642.96 Tm (, L.P.)Tj /T1_1 1 Tf 11.99 0 0 11.99 464.16 643.44 Tm (, Timothy )Tj 11.93 0 0 11.93 57.84 614.4 Tm (Feldman)Tj 11.94 0 0 11.94 100.32 614.64 Tm (, Leonard Pruzansky, John Brewster)Tj 11.87 0 0 11.87 274.08 614.64 Tm (, and Derrek Davis )Tj /T1_2 1 Tf 8.06 0 0 8.06 366.72 614.64 Tm (wil not continue to )Tj /T1_1 1 Tf 12.02 0 0 12.02 463.44 614.64 Tm (violate the )Tj 11.68 0 0 11.68 58.08 586.08 Tm (FTC Act and the FDCP )Tj EMC /P <>BDC /T1_0 1 Tf 12.26 0 0 12.26 84.24 557.04 Tm (DISGORGEMENT FOR VIOLATIONS OF THE FTC ACT AND THE FDCPA )Tj EMC /LI_Label <>BDC /T1_1 1 Tf 10.95 0 0 10.95 94.56 528.48 Tm (32. )Tj EMC /LI_Title <>BDC 12 0 0 12 130.32 528.48 Tm (Under Section 13\(b\) of the FTC Act)Tj /T1_0 1 Tf 10.67 0 0 10.67 304.56 528.72 Tm (, 15 U. )Tj /T1_1 1 Tf 11.98 0 0 11.98 346.8 528.48 Tm (C. 9 53\(b\), this Court is authorized to )Tj 12.02 0 0 12.02 58.32 500.16 Tm (issue all equitable and )Tj /T1_0 1 Tf 12.87 0 0 12.87 167.76 500.4 Tm (ancilar relief )Tj /T1_1 1 Tf 11.93 0 0 11.93 240.72 499.92 Tm (as it may deem appropriate in the enforcement of the FTC )Tj 11.61 0 0 11.61 58.08 471.84 Tm (Act and the FDCP A)Tj 11.95 0 0 11.95 155.52 471.84 Tm (, including the ability to order disgorgement to deprive a wrongdoer of \ his )Tj 15.12 0 0 15.12 58.32 443.04 Tm (il-)Tj /T1_0 1 Tf 10.61 0 0 10.61 72.48 443.04 Tm (gotten gain. )Tj EMC /P <>BDC /T1_1 1 Tf 12.73 0 0 12.73 137.28 414.24 Tm (CIVIL PENALTIES FOR VIOLATIONS OF THE FDCPA )Tj EMC /LI_Label <>BDC 11.14 0 0 11.14 94.56 385.92 Tm (33. )Tj EMC /LI_Title <>BDC 11.73 0 0 11.73 130.56 385.92 Tm (Defendant L TD has violated the FDCP A as described above)Tj 11.77 0 0 11.77 420.48 386.16 Tm (, with actual )Tj 11.97 0 0 11.97 58.56 357.6 Tm (knowledge or knowledge fairly implied on the basis of objective circumst\ ances)Tj 11.98 0 0 11.98 438.72 357.6 Tm (, as set )Tj /T1_2 1 Tf 8.4 0 0 8.4 474 357.6 Tm (fort in )Tj /T1_1 1 Tf 12.18 0 0 12.18 59.04 328.8 Tm (Section 5\(m\)\(1\)\(A\) ofthe FTC Act)Tj /T1_0 1 Tf 10.67 0 0 10.67 228 329.04 Tm (, 15 U. )Tj /T1_2 1 Tf 8.82 0 0 8.82 270.24 328.8 Tm (c. 945\(m\)\(1\)\(A\). )Tj EMC /LI_Label <>BDC /T1_1 1 Tf 11.14 0 0 11.14 94.56 300.72 Tm (34. )Tj EMC /LI_Title <>BDC 11.98 0 0 11.98 130.56 300.72 Tm (Each instance within five years preceding the )Tj 12.32 0 0 12.32 351.12 300.72 Tm (fiing of this Complaint)Tj 11.78 0 0 11.78 464.4 300.72 Tm (, in which )Tj /T1_0 1 Tf 10.83 0 0 10.83 58.56 272.64 Tm (L TD has failed to )Tj /T1_1 1 Tf 11.85 0 0 11.85 146.4 272.4 Tm (comply with the FDCP A in one or more of the ways described above )Tj 11.99 0 0 11.99 58.56 243.84 Tm (constitutes a separate violation for which Plaintiff seeks )Tj /T1_0 1 Tf 12.31 0 0 12.31 329.52 243.84 Tm (monetar civil )Tj /T1_1 1 Tf 11.8 0 0 11.8 402 243.84 Tm (penalties. )Tj EMC /LI_Label <>BDC 11.14 0 0 11.14 94.56 215.52 Tm (35. )Tj EMC /LI_Title <>BDC 12.18 0 0 12.18 131.04 215.52 Tm (Section 5\(m\)\(1\)\(A\) ofthe FTC Act)Tj /T1_0 1 Tf 10.51 0 0 10.51 300.24 215.52 Tm (, 15 U. )Tj /T1_2 1 Tf 8.2 0 0 8.2 342.24 215.28 Tm (c. 9 45\(m\)\(1\)\(A\), as modified )Tj /T1_1 1 Tf 12.07 0 0 12.07 59.04 187.2 Tm (Section 4 ofthe 鶹ý Civil Penalties Inflation Adjustment Act of 1990\ )Tj /T1_0 1 Tf 10.75 0 0 10.75 416.16 187.44 Tm (28 U. )Tj 11.76 0 0 11.76 452.88 186.96 Tm (c. 92461 )Tj /T1_1 1 Tf 11.34 0 0 11.34 500.16 187.2 Tm (, as )Tj 11.84 0 0 11.84 58.8 159.12 Tm (amended)Tj 11.92 0 0 11.92 102.24 159.12 Tm (, and as implemented by 16 C. )Tj 11.61 0 0 11.61 257.76 158.88 Tm (R. 9 1.)Tj 11.96 0 0 11.96 289.92 158.88 Tm (98\(d\) \(2007\), authorizes this Court to award )Tj /T1_0 1 Tf 12.31 0 0 12.31 58.32 130.8 Tm (monetar civil )Tj /T1_1 1 Tf 11.91 0 0 11.91 130.8 130.56 Tm (penalties of not more than $11 )Tj 12.11 0 0 12.11 280.8 130.56 Tm (000 for each violation ofthe FDCPA. )Tj EMC /Artifact <>BDC /T1_0 1 Tf 10.48 0 0 10.48 260.16 64.56 Tm (Page 10 of 12 )Tj EMC ET endstream endobj 936 0 obj <>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC BT /Artifact <>BDC /T1_0 1 Tf 3 Tr 11.33 0 0 11.33 102.96 755.28 Tm (Case 4:07 -cv-)Tj /T1_1 1 Tf 11.17 0 0 11.17 177.36 755.28 Tm (037 41 )Tj 13.15 0 0 13.15 228 755.52 Tm (Document )Tj 12.77 0 0 12.77 312.72 755.52 Tm (Filed 11/05/2007 )Tj /T1_0 1 Tf 11.68 0 0 11.68 418.8 755.52 Tm (Page 9 of 12 )Tj EMC /P <>BDC /T1_1 1 Tf 12.48 0 0 12.48 261.6 701.04 Tm (COUNT IV\001 )Tj EMC /LI_Label <>BDC 11.33 0 0 11.33 93.36 672.72 Tm (29. )Tj EMC /LI_Title <>BDC 11.88 0 0 11.88 129.6 672.48 Tm (On numerous occasions)Tj 11.99 0 0 11.99 244.08 672.72 Tm (, in connection with the collection of debts in both English )Tj /T1_0 1 Tf 10.45 0 0 10.45 57.36 643.92 Tm (and Spanish)Tj /T1_1 1 Tf 11.97 0 0 11.97 116.16 643.92 Tm (, without the prior consent of the consumer given directly to the debt c\ ollector or the )Tj 12.13 0 0 12.13 57.6 615.6 Tm (express permission of a court of competent jursdiction)Tj /T1_0 1 Tf 10.58 0 0 10.58 321.84 615.36 Tm (, Defendants)Tj /T1_1 1 Tf 11.86 0 0 11.86 382.8 615.36 Tm (, directly or indirectly, have )Tj 11.98 0 0 11.98 57.6 587.28 Tm (communicated with a consumer at a time or place that Defendants knew or \ should have known to )Tj 12 0 0 12 57.12 558.72 Tm (be inconvenient to the consumer)Tj 11.97 0 0 11.97 213.36 558.72 Tm (, including, but not limited to)Tj 11.95 0 0 11.95 354.24 558.72 Tm (, communicating with the )Tj 11.97 0 0 11.97 57.6 530.16 Tm (consumer at the consumer )Tj 11.98 0 0 11.98 186.96 529.92 Tm (s place of employment when Defendants knew or should have known )Tj 12 0 0 12 57.36 501.6 Tm (that it is inconvenient for the consumer to receive such communications)Tj 12.29 0 0 12.29 403.2 501.6 Tm (, in violation of Section )Tj 11.9 0 0 11.9 58.08 473.28 Tm (805\(a\)\(1\) of the FDCPA)Tj /T1_0 1 Tf 10.67 0 0 10.67 175.2 473.28 Tm (, 15 U. )Tj /T1_2 1 Tf 7.98 0 0 7.98 217.44 473.28 Tm (C. 9 1692c\(a\)\(1\). )Tj EMC /P <>BDC /T1_0 1 Tf 12.16 0 0 12.16 264.24 444.48 Tm (COUNT V )Tj EMC /LI_Label <>BDC /T1_1 1 Tf 10.95 0 0 10.95 94.08 416.16 Tm (30. )Tj EMC /LI_Title <>BDC 11.91 0 0 11.91 129.84 415.92 Tm (On numerous occasions)Tj 12.01 0 0 12.01 244.32 416.16 Tm (, in connection with the collection of debts in both English )Tj /T1_0 1 Tf 10.4 0 0 10.4 57.84 387.84 Tm (and Spanish)Tj 10.54 0 0 10.54 116.4 387.84 Tm (, Defendants)Tj /T1_1 1 Tf 11.95 0 0 11.95 176.88 387.84 Tm (, directly or indirectly, have engaged in conduct the )Tj /T1_2 1 Tf 8.98 0 0 8.98 426 387.84 Tm (natual consequence )Tj /T1_1 1 Tf 11.91 0 0 11.91 58.08 359.52 Tm (of which is to harass)Tj /T1_0 1 Tf 10.21 0 0 10.21 156.72 359.52 Tm (, oppress)Tj /T1_1 1 Tf 11.89 0 0 11.89 199.44 359.52 Tm (, or abuse a person)Tj 11.83 0 0 11.83 288.72 359.52 Tm (, in violation of Section 806 of the FDCP A)Tj 11.2 0 0 11.2 495.6 359.52 Tm (, 15 )Tj EMC /StyleSpan <>BDC 11.67 0 0 11.67 94.08 329.04 Tm (9 1692d)Tj EMC /P <>BDC 11.9 0 0 11.9 132.72 331.2 Tm (, including, but not limited to)Tj 11.81 0 0 11.81 273.12 330.96 Tm (, the following: )Tj 11.86 0 0 11.86 165.84 302.4 Tm (Defendants)Tj 11.95 0 0 11.95 220.56 302.4 Tm (, directly or indirectly, have used obscene or profane )Tj 11.84 0 0 11.84 165.84 274.32 Tm (language)Tj 11.97 0 0 11.97 209.28 274.08 Tm (, or language the natural consequence of which is to abuse )Tj -3.629 -2.366 Td (the hearer)Tj 12 0 0 12 213.6 246 Tm (, in violation of Section 806\(2\) of the FDCPA)Tj /T1_0 1 Tf 10.61 0 0 10.61 434.4 245.76 Tm (, 15 U.S. )Tj EMC /P <>BDC /T1_1 1 Tf 11.84 0 0 11.84 166.56 215.52 Tm (9 1692d\(2\); and )Tj 11.81 0 0 11.81 166.08 189.12 Tm (Defendants)Tj 11.96 0 0 11.96 220.56 188.88 Tm (, directly or indirectly, have caused a telephone to ring, or have )Tj 11.95 0 0 11.95 166.32 161.04 Tm (engaged a person in telephone conversations)Tj 11.84 0 0 11.84 380.4 160.8 Tm (, repeatedly or continuously, )Tj EMC /P <>BDC 11.95 0 0 11.95 165.84 132.72 Tm (with intent to annoy, abuse)Tj 11.99 0 0 11.99 295.44 132.48 Tm (, or harass the person at the called number)Tj 11.64 0 0 11.64 498 132.48 Tm (, in )Tj 12.02 0 0 12.02 165.84 104.4 Tm (violation of Section 806\(5\) of the FDCPA)Tj /T1_0 1 Tf 10.67 0 0 10.67 368.64 104.4 Tm (, 15 U. )Tj /T1_2 1 Tf 8.2 0 0 8.2 410.88 104.16 Tm (C. 9 1692d\(5\). )Tj EMC /Artifact <>BDC 8.27 0 0 8.27 261.84 65.04 Tm (Page 9 of 12\001 )Tj EMC ET endstream endobj 937 0 obj <>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC BT /Artifact <>BDC /T1_0 1 Tf 3 Tr 11.33 0 0 11.33 102.96 755.28 Tm (Case 4:07 -cv-)Tj /T1_1 1 Tf 11.17 0 0 11.17 177.36 755.28 Tm (037 41 )Tj 13.15 0 0 13.15 228 755.52 Tm (Document )Tj 12.77 0 0 12.77 312.72 755.52 Tm (Filed 11/05/2007 )Tj /T1_0 1 Tf 11.68 0 0 11.68 418.8 755.52 Tm (Page 8 of 12 )Tj EMC /P <>BDC 10.8 0 0 10.8 56.4 701.04 Tm (reasonably necessar to effectuate a post judgment )Tj /T1_1 1 Tf 12.03 0 0 12.03 301.44 701.04 Tm (judicial remedy, in violation of Section 805\(b\) )Tj EMC /P <>BDC 11.96 0 0 11.96 56.88 672.24 Tm (of the FDCPA)Tj /T1_0 1 Tf 10.67 0 0 10.67 126.48 672.24 Tm (, 15 U. )Tj /T1_2 1 Tf 8.11 0 0 8.11 168.72 672.24 Tm (C. 9 1692c\(b\). )Tj EMC /P <>BDC /T1_1 1 Tf 5 0 0 5 261.36 643.68 Tm (COUNT )Tj EMC /P <>BDC 13.45 0 0 13.45 307.44 643.44 Tm (III )Tj EMC /LI_Label <>BDC 11.14 0 0 11.14 92.88 615.36 Tm (28. )Tj EMC /LI_Title <>BDC 11.93 0 0 11.93 129.12 615.36 Tm (On numerous occasions)Tj 11.99 0 0 11.99 243.84 615.36 Tm (, in connection with the collection of debts in both English )Tj /T1_0 1 Tf 10.4 0 0 10.4 57.12 586.8 Tm (and Spanish)Tj 10.54 0 0 10.54 115.68 587.04 Tm (, Defendants)Tj /T1_1 1 Tf 11.88 0 0 11.88 176.4 586.8 Tm (, directly or indirectly, have used false)Tj /T1_0 1 Tf 10.67 0 0 10.67 359.04 586.8 Tm (, deceptive)Tj 10.96 0 0 10.96 411.12 587.04 Tm (, or misleading )Tj /T1_1 1 Tf 11.98 0 0 11.98 56.64 558.48 Tm (representations or means)Tj 12.14 0 0 12.14 176.64 558.24 Tm (, in violation of Section 807 ofthe FDCPA)Tj /T1_0 1 Tf 10.76 0 0 10.76 382.8 558.48 Tm (, 15 U. )Tj /T1_1 1 Tf 11.94 0 0 11.94 425.28 558.48 Tm (C. 9 1692e )Tj /T1_0 1 Tf 11.33 0 0 11.33 56.88 529.92 Tm (including, but not limited to)Tj /T1_1 1 Tf 11.73 0 0 11.73 192 529.68 Tm (, the following: )Tj EMC /P <>BDC 11.86 0 0 11.86 165.36 501.36 Tm (Defendants)Tj 11.94 0 0 11.94 220.32 501.36 Tm (, directly or indirectly, have falsely represented or implied that )Tj -4.623 -2.372 Td (nonpayment of a debt )Tj 12.7 0 0 12.7 271.92 473.28 Tm (wil result in )Tj /T1_0 1 Tf 11.15 0 0 11.15 335.76 472.8 Tm (the arest or imprisonment of a )Tj /T1_1 1 Tf 12.07 0 0 12.07 486.96 473.04 Tm (person )Tj 11.94 0 0 11.94 165.36 444.24 Tm (or the seizure)Tj /T1_0 1 Tf 10.66 0 0 10.66 230.16 444.48 Tm (, garnishment)Tj /T1_1 1 Tf 11.95 0 0 11.95 295.44 444.48 Tm (, or attachment of a person )Tj 11.82 0 0 11.82 427.44 444.48 Tm (s property or wages )Tj 11.98 0 0 11.98 165.36 416.16 Tm (when such action is not lawful or when neither LTD nor the creditor has \ )Tj 11.99 0 0 11.99 165.36 387.6 Tm (the intention of taking such action)Tj /T1_0 1 Tf 11.39 0 0 11.39 329.28 387.6 Tm (, in violation of Section 807\(4\) ofthe )Tj /T1_1 1 Tf 11.99 0 0 11.99 165.36 359.28 Tm (FDCPA)Tj /T1_0 1 Tf 10.67 0 0 10.67 204.48 359.28 Tm (, 15 U. )Tj /T1_2 1 Tf 8.17 0 0 8.17 246.72 359.28 Tm (C. 9 1692e\(4\); )Tj /T1_1 1 Tf 11.86 0 0 11.86 165.36 330.72 Tm (Defendants)Tj 11.96 0 0 11.96 220.08 330.72 Tm (, directly or indirectly, have threatened to take actions that )Tj 11.95 0 0 11.95 165.6 302.4 Tm (cannot legally be taken or that are not intended to be taken)Tj 12.22 0 0 12.22 446.16 302.64 Tm (, in violation of )Tj 11.96 0 0 11.96 165.84 274.08 Tm (Section 807\(5\) of the FDCPA)Tj /T1_0 1 Tf 10.67 0 0 10.67 309.12 274.08 Tm (, 15 U. )Tj /T1_2 1 Tf 8.12 0 0 8.12 351.12 274.32 Tm (C. 9 1692e\(5\); or )Tj /T1_1 1 Tf 11.91 0 0 11.91 165.36 245.76 Tm (Defendants)Tj 11.95 0 0 11.95 220.32 245.76 Tm (, directly or indirectly, have used false representations or )Tj 12 0 0 12 165.6 217.2 Tm (deceptive means to collect or attempt to collect debts or to obtain )Tj 11.98 0 0 11.98 165.6 188.64 Tm (information concerning a consumer)Tj 12.01 0 0 12.01 336.48 188.64 Tm (, in violation of Section 807\(10\) of the )Tj 11.99 0 0 11.99 165.36 160.56 Tm (FDCPA)Tj /T1_0 1 Tf 10.67 0 0 10.67 204.48 160.8 Tm (, 15 U. )Tj /T1_2 1 Tf 8.24 0 0 8.24 246.72 160.8 Tm (c. 9 1692e\(10\). )Tj EMC /Artifact <>BDC /T1_0 1 Tf 10.45 0 0 10.45 261.6 64.8 Tm (Page 8 of 12 )Tj EMC ET endstream endobj 938 0 obj <>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC BT /Artifact <>BDC /T1_0 1 Tf 3 Tr 11.33 0 0 11.33 102.96 755.28 Tm (Case 4:07 -cv-)Tj /T1_1 1 Tf 11.17 0 0 11.17 177.36 755.28 Tm (037 41 )Tj 13.15 0 0 13.15 228 755.52 Tm (Document )Tj 12.77 0 0 12.77 312.72 755.52 Tm (Filed 11/05/2007 )Tj /T1_0 1 Tf 11.68 0 0 11.68 418.8 755.52 Tm (Page 7 of 12 )Tj EMC /P <>BDC /T1_1 1 Tf 12.78 0 0 12.78 101.52 700.32 Tm (VIOLATIONS OF THE FAIR DEBT COLLECTION PRACTICES ACT )Tj EMC /LI_Label <>BDC 11.14 0 0 11.14 92.4 672 Tm (25. )Tj EMC /LI_Title <>BDC 11.6 0 0 11.6 128.4 672 Tm (In 1977)Tj 11.98 0 0 11.98 165.36 672.24 Tm (, Congress passed the FDCPA)Tj /T1_0 1 Tf 10.59 0 0 10.59 310.56 672.24 Tm (, 15 U. )Tj /T1_1 1 Tf 11.13 0 0 11.13 399.84 672.24 Tm (ef seq. )Tj 11.94 0 0 11.94 436.32 672.24 Tm (which became)Tj EMC /LI_Label <>BDC /T1_2 1 Tf 5 0 0 5 352.8 672.24 Tm (C.)Tj EMC /LI_Title <>BDC ( 91692 \001)Tj EMC /P <>BDC /T1_1 1 Tf 11.84 0 0 11.84 56.88 643.44 Tm (effective on March 20)Tj 11.52 0 0 11.52 162.72 643.68 Tm (, 1978)Tj 12.15 0 0 12.15 192.72 643.68 Tm (, and has been in force since that date. Section 814 )Tj /T1_0 1 Tf 11.17 0 0 11.17 441.36 643.2 Tm (ofthe FDCP A )Tj EMC /P <>BDC /T1_1 1 Tf 11.02 0 0 11.02 57.84 614.88 Tm (15 U. )Tj /T1_0 1 Tf 10.87 0 0 10.87 93.12 614.88 Tm (C. 9 1692/)Tj /T1_1 1 Tf 12.1 0 0 12.1 143.52 614.88 Tm (, specifically empowers the Commission to enforce the FDCPA. )Tj /T1_0 1 Tf 10.98 0 0 10.98 457.68 614.88 Tm (Under its )Tj /T1_1 1 Tf 11.87 0 0 11.87 56.64 586.56 Tm (provisions)Tj /T1_0 1 Tf 11.62 0 0 11.62 107.04 586.8 Tm (, for purose of the )Tj /T1_1 1 Tf 11.99 0 0 11.99 201.36 586.56 Tm (exercise by the Commission of its functions and powers under the )Tj 11.9 0 0 11.9 56.88 558 Tm (FTC Act)Tj 3.55 0.02 Td (, a violation of the FDCP A is deemed an unfair or deceptive act or prac\ tice in violation )Tj 12.27 0 0 12.27 56.88 529.68 Tm (of the FTC Act. Further)Tj 12 0 0 12 174 529.92 Tm (, the Commission is authorized to use all of its functions and powers )Tj 11.86 0 0 11.86 56.4 501.12 Tm (under the FTC Act to enforce compliance with the FDCP )Tj 11.89 0 0 11.89 331.2 501.36 Tm (A by any person)Tj 12.14 0 0 12.14 410.16 501.12 Tm (, irrespective of )Tj 11.93 0 0 11.93 56.64 472.8 Tm (whether that person is engaged in commerce or meets any other )Tj 12.43 0 0 12.43 363.84 472.8 Tm (jursdictional tests set by )Tj 11.79 0 0 11.79 486.72 472.8 Tm (the )Tj 12.11 0 0 12.11 56.88 444.24 Tm (FTC Act. The authority of the Commission in this regard )Tj 11.98 0 0 11.98 336.48 444.48 Tm (includes the power to enforce the )Tj 11.9 0 0 11.9 56.88 416.16 Tm (provisions of the FDCP A in the same manner as if the violations )Tj 11.72 0 0 11.72 370.56 415.92 Tm (of the FDCP A were violations )Tj 11.94 0 0 11.94 57.12 387.36 Tm (of a 鶹ý Trade Commission trade regulation rule. )Tj EMC /LI_Label <>BDC 11.33 0 0 11.33 92.88 359.04 Tm (26. )Tj EMC /LI_Title <>BDC 11.9 0 0 11.9 129.12 359.28 Tm (The term ")Tj 11.98 0 0 11.98 180.96 359.28 Tm (consumer )Tj 12.06 0 0 12.06 230.64 359.04 Tm (" as used in this Complaint)Tj /T1_0 1 Tf 10.36 0 0 10.36 360.96 359.28 Tm (, means any )Tj /T1_2 1 Tf 8.74 0 0 8.74 420.24 359.28 Tm (natual person )Tj /T1_1 1 Tf 11.93 0 0 11.93 57.12 330.72 Tm (obligated or allegedly obligated to pay any debt)Tj 11.81 0 0 11.81 285.12 330.72 Tm (, as ")Tj 12.2 0 0 12.2 309.12 330.72 Tm (debt" is defined in Section 803\(5\) ofthe )Tj 11.99 0 0 11.99 56.88 302.4 Tm (FDCPA)Tj /T1_0 1 Tf 10.67 0 0 10.67 95.76 302.4 Tm (, 15 U. )Tj /T1_2 1 Tf 8.11 0 0 8.11 138 302.4 Tm (C. 9 1692a\(5\). )Tj EMC /P <>BDC /T1_1 1 Tf 12.66 0 0 12.66 263.52 273.6 Tm (COUNT II )Tj EMC /LI_Label <>BDC 11.33 0 0 11.33 92.88 245.52 Tm (27. )Tj EMC /LI_Title <>BDC 11.93 0 0 11.93 129.12 245.76 Tm (On numerous occasions)Tj 11.99 0 0 11.99 244.08 245.52 Tm (, in connection with the collection of debts in both English )Tj /T1_0 1 Tf 10.36 0 0 10.36 57.36 217.44 Tm (and Spanish)Tj 10.5 0 0 10.5 115.68 217.44 Tm (, Defendants)Tj /T1_1 1 Tf 12.07 0 0 12.07 176.16 217.44 Tm (, directly or Indirectly, have communicated with third paries)Tj 11.9 0 0 11.9 467.76 217.44 Tm (, including )Tj 11.89 0 0 11.89 56.88 188.88 Tm (parents)Tj 11.82 0 0 11.82 91.92 189.12 Tm (, children)Tj /T1_0 1 Tf 10.57 0 0 10.57 137.04 189.12 Tm (, neighbors)Tj 10.64 0 0 10.64 190.32 189.12 Tm (, employers)Tj /T1_1 1 Tf 11.87 0 0 11.87 246 188.88 Tm (, and co-workers)Tj /T1_0 1 Tf 11.44 0 0 11.44 326.4 189.12 Tm (, for puroses other )Tj 10.93 0 0 10.93 422.4 188.88 Tm (than acquiring )Tj /T1_1 1 Tf 11.99 0 0 11.99 57.36 160.56 Tm (location information about a consumer)Tj 15.513 -0.02 Td (, without the prior consent of the consumer given directly )Tj 12.02 0 0 12.02 57.12 132.24 Tm (to the debt collector or the express permission of a )Tj 12.26 0 0 12.26 302.88 132.24 Tm (cour of competent jurisdiction)Tj 11.94 0 0 11.94 451.44 132.24 Tm (, and when not )Tj EMC /Artifact <>BDC 12.51 0 0 12.51 261.12 64.8 Tm (Page 7 of12 )Tj EMC ET endstream endobj 939 0 obj <>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC BT /Artifact <>BDC /T1_0 1 Tf 3 Tr 11.33 0 0 11.33 102.96 755.28 Tm (Case 4:07 -cv-)Tj /T1_1 1 Tf 11.17 0 0 11.17 177.36 755.28 Tm (037 41 )Tj 13.15 0 0 13.15 228 755.52 Tm (Document )Tj 12.77 0 0 12.77 312.72 755.52 Tm (Filed 11/05/2007 )Tj /T1_0 1 Tf 11.68 0 0 11.68 418.8 755.52 Tm (Page 6 of 12 )Tj EMC /P <>BDC /T1_1 1 Tf 12.73 0 0 12.73 158.64 701.28 Tm (VIOLATIONS OF SECTION 5 OF THE FTC ACT )Tj EMC /LI_Label <>BDC 11.14 0 0 11.14 93.84 672.96 Tm (21. )Tj EMC /LI_Title <>BDC 11.9 0 0 11.9 130.08 672.72 Tm (Section 5\(a\) of the FTC Act)Tj /T1_0 1 Tf 10.67 0 0 10.67 263.76 672.72 Tm (, 15 U. )Tj /T1_1 1 Tf 12.03 0 0 12.03 306 672.72 Tm (C. 9 45\(a\), prohibits ")Tj 11.98 0 0 11.98 411.36 672.96 Tm (unfair or deceptive acts )Tj 11.89 0 0 11.89 57.6 644.4 Tm (or practices in or affecting commerce.)Tj /T1_2 1 Tf 8.15 0 0 8.15 239.52 644.4 Tm (" Misrepresentations of material )Tj /T1_1 1 Tf 11.98 0 0 11.98 400.8 644.4 Tm (fact constitute deceptive )Tj 11.88 0 0 11.88 57.84 615.6 Tm (acts or practices prohibited by the FTC Act. )Tj EMC /P <>BDC 12.58 0 0 12.58 266.16 587.04 Tm (COUNT I )Tj EMC /LI_Label <>BDC 11.14 0 0 11.14 94.08 558.96 Tm (22. )Tj EMC /LI_Title <>BDC 11.91 0 0 11.91 130.08 558.72 Tm (On numerous occasions)Tj 12.01 0 0 12.01 244.56 558.96 Tm (, in connection with the collection of debts in both English )Tj /T1_2 1 Tf 8.8 0 0 8.8 57.84 530.4 Tm (and Spanish)Tj /T1_0 1 Tf 10.54 0 0 10.54 116.4 530.4 Tm (, Defendants)Tj /T1_1 1 Tf 11.93 0 0 11.93 176.88 530.16 Tm (, directly or indirectly, have represented to consumers)Tj 11.95 0 0 11.95 434.4 530.64 Tm (, expressly or by )Tj 11.91 0 0 11.91 58.08 501.84 Tm (implication)Tj 11.38 0 0 11.38 113.04 501.84 Tm (, that: )Tj EMC /P <>BDC 12.23 0 0 12.23 165.6 473.76 Tm (Nonpayment of a debt wil result in )Tj /T1_2 1 Tf 9.07 0 0 9.07 339.12 473.52 Tm (garishment of a consumer )Tj /T1_1 1 Tf 11.67 0 0 11.67 474 473.52 Tm (s wages;\001 )Tj 11.97 0 0 11.97 165.6 445.44 Tm (Nonpayment of a debt )Tj 12.36 0 0 12.36 275.28 445.2 Tm (wil result in a consumer )Tj 11.94 0 0 11.94 398.64 444.96 Tm (s property being seized or\001 )Tj 11.91 0 0 11.91 166.32 416.64 Tm (attached or in a consumer )Tj /T1_0 1 Tf 10.98 0 0 10.98 293.04 416.64 Tm (s arest; and\001 )Tj /T1_1 1 Tf 11.93 0 0 11.93 166.32 388.08 Tm (LTD intends to take legal action against a consumer.\001 )Tj EMC /LI_Label <>BDC 11.14 0 0 11.14 94.32 359.76 Tm (23.\002 )Tj EMC /LI_Title <>BDC /T1_2 1 Tf 8.05 0 0 8.05 130.32 359.76 Tm (In trth )Tj /T1_1 1 Tf 11.83 0 0 11.83 168.96 359.76 Tm (and in fact)Tj 11.9 0 0 11.9 219.36 359.52 Tm (, on numerous of these occasions: )Tj 11.99 0 0 11.99 165.84 331.68 Tm (Nonpayment of a debt did not result in )Tj /T1_2 1 Tf 9.07 0 0 9.07 354.24 331.2 Tm (garishment of a consumer )Tj /T1_1 1 Tf 11.67 0 0 11.67 166.08 303.36 Tm (wages; )Tj 11.85 0 0 11.85 165.84 274.8 Tm (Nonpayment of a debt did not result in a consum er)Tj /T1_0 1 Tf 8.45 0 0 8.45 410.4 274.32 Tm (' s )Tj /T1_1 1 Tf 11.96 0 0 11.96 421.2 274.56 Tm (property being seized )Tj 11.92 0 0 11.92 166.32 246.24 Tm (or attached or in a consumer )Tj /T1_0 1 Tf 10.98 0 0 10.98 306.24 246 Tm (s arest; and )Tj 10.84 0 0 10.84 166.32 218.16 Tm (L TD did not intend to take legal action against a )Tj /T1_1 1 Tf 11.77 0 0 11.77 401.28 217.92 Tm (consumer. )Tj EMC /LI_Label <>BDC 11.14 0 0 11.14 94.56 189.84 Tm (24. )Tj EMC /LI_Title <>BDC 11.87 0 0 11.87 130.32 189.84 Tm (Therefore)Tj 11.93 0 0 11.93 177.84 189.6 Tm (, the representations set )Tj /T1_2 1 Tf 8 0 0 8 292.8 189.6 Tm (fort in )Tj /T1_1 1 Tf 12 0 0 12 331.2 189.6 Tm (Paragraph 22 were and are false or )Tj /T1_0 1 Tf 10.86 0 0 10.86 57.84 161.52 Tm (misleading and constitute deceptive acts or practices in violation of Se\ ction 5\( )Tj /T1_1 1 Tf 11.95 0 0 11.95 433.2 161.28 Tm (a\) of the FTC Act )Tj 11.13 0 0 11.13 59.28 132.96 Tm (15 U. )Tj /T1_0 1 Tf 11.28 0 0 11.28 94.8 132.72 Tm (C. 945\(a\). )Tj EMC /Artifact <>BDC 10.49 0 0 10.49 261.84 65.52 Tm (Page 6 of 12 )Tj EMC ET endstream endobj 940 0 obj <>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC BT /Artifact <>BDC /T1_0 1 Tf 3 Tr 11.33 0 0 11.33 102.96 755.28 Tm (Case 4:07 -cv-)Tj /T1_1 1 Tf 11.17 0 0 11.17 177.36 755.28 Tm (037 41 )Tj 13.15 0 0 13.15 228 755.52 Tm (Document )Tj 12.77 0 0 12.77 312.72 755.52 Tm (Filed 11/05/2007 )Tj /T1_0 1 Tf 11.68 0 0 11.68 418.8 755.52 Tm (Page 5 of 12 )Tj EMC /P <>BDC /T1_1 1 Tf 12.07 0 0 12.07 57.12 701.52 Tm (after being hung up on by the consumers. In addition)Tj 11.69 0 0 11.69 313.2 701.52 Tm (, some L TD collectors use )Tj 11.87 0 0 11.87 442.08 701.52 Tm (abusive )Tj 11.84 0 0 11.84 56.88 673.2 Tm (language)Tj 11.87 0 0 11.87 100.32 672.96 Tm (, including racial slurs and profanity. )Tj EMC /LI_Label <>BDC 10.37 0 0 10.37 94.08 644.64 Tm (16. )Tj EMC /LI_Title <>BDC 11.28 0 0 11.28 129.12 644.4 Tm (LTD' )Tj 11.97 0 0 11.97 156.24 644.64 Tm (s collection practices generate hundreds of complaints filed with the Fe\ deral )Tj 12 0 0 12 56.88 616.32 Tm (Trade Commission)Tj 11.92 0 0 11.92 149.28 616.32 Tm (, the Houston Better Business Bureau)Tj 12.57 0 0 12.57 328.8 616.08 Tm (, varous state )Tj 11.79 0 0 11.79 397.92 616.08 Tm (attorneys general)Tj 11.87 0 0 11.87 479.76 616.08 Tm (, and the )Tj 11.95 0 0 11.95 57.36 587.28 Tm (company itself. Many of these complaints allege significant FTC Act and/\ or FDCP )Tj 11.89 0 0 11.89 457.44 587.52 Tm (A violations. )Tj EMC /LI_Label <>BDC 10.18 0 0 10.18 94.32 558.96 Tm (17. )Tj EMC /LI_Title <>BDC 11.39 0 0 11.39 129.12 558.96 Tm (LTD' )Tj 11.95 0 0 11.95 156.48 558.96 Tm (s response to the consumer complaints it receives is cavalier at best. )Tj 11.86 0 0 11.86 57.36 530.64 Tm (Complaints forwarded to L TD by state attorneys general and the Houston \ Better Business )Tj 11.8 0 0 11.8 57.12 502.32 Tm (Bureau)Tj 11.95 0 0 11.95 91.92 502.32 Tm (, alleging egregious violations of the FTC Act and/or the FDCPA)Tj 11.92 0 0 11.92 404.88 502.08 Tm (, are frequently )Tj 12.08 0 0 12.08 57.12 473.52 Tm (dismissed without significant investigation. Even in the face of substan\ tial evidence that )Tj /T1_0 1 Tf 11.52 0 0 11.52 57.12 445.2 Tm (violations occured)Tj /T1_1 1 Tf 11.93 0 0 11.93 149.76 445.2 Tm (, the collectors involved often go unpunished or merely receive a warnin\ g. )Tj EMC /LI_Label <>BDC 10.37 0 0 10.37 94.32 416.88 Tm (18. )Tj EMC /LI_Title <>BDC 11.28 0 0 11.28 129.36 416.64 Tm (LTD' )Tj 11.94 0 0 11.94 156.72 416.64 Tm (s internal compliance program regularly catches collectors violating the\ FTC )Tj 12.01 0 0 12.01 57.12 388.56 Tm (Act and/or the FDCP A. However)Tj 11.97 0 0 11.97 220.8 388.32 Tm (, even multiple egregious violations by individual collection )Tj 11.73 0 0 11.73 57.36 360 Tm (employees)Tj /T1_0 1 Tf 4.358 -0.02 Td (, wrtten up by the compliance deparent)Tj 11.05 0 0 11.05 311.04 359.76 Tm (, frequently go without serous punishment. )Tj EMC /P <>BDC /T1_1 1 Tf 10.37 0 0 10.37 94.32 331.68 Tm (19. )Tj 11.92 0 0 11.92 129.36 331.44 Tm (In some instances)Tj 11.41 0 0 11.41 214.8 331.44 Tm (, LTD' )Tj 11.69 0 0 11.69 247.92 331.44 Tm (s front-)Tj 11.93 0 0 11.93 282.48 331.44 Tm (line supervisors and mid-)Tj 11.87 0 0 11.87 404.16 331.44 Tm (level managers )Tj 12.46 0 0 12.46 56.88 303.12 Tm (paricipate in actions )Tj 12.1 0 0 12.1 160.32 303.12 Tm (described in Paragraphs )Tj /T1_2 1 Tf 8.34 0 0 8.34 278.88 303.12 Tm (11 through 15)Tj /T1_1 1 Tf 12.18 0 0 12.18 345.12 302.88 Tm (, above. In other instances)Tj 11.39 0 0 11.39 473.28 303.12 Tm (, LTD )Tj 11.97 0 0 11.97 56.88 274.8 Tm (managers are aware of such practices by collectors under their supervisi\ on)Tj 11.98 0 0 11.98 413.76 274.56 Tm (, but fail to sufficiently )Tj /T1_2 1 Tf 7.45 0 0 7.45 57.36 246.24 Tm (discipline the collectors. )Tj EMC /LI_Label <>BDC /T1_1 1 Tf 11.14 0 0 11.14 93.36 218.16 Tm (20. )Tj EMC /LI_Title <>BDC 11.39 0 0 11.39 129.36 217.92 Tm (LTD' )Tj 11.96 0 0 11.96 156.72 217.92 Tm (s senior managers either turn a blind eye to the company )Tj 11.97 0 0 11.97 430.8 217.92 Tm (s violative acts and )Tj 12.03 0 0 12.03 56.88 190.08 Tm (practices or they fail to exercise the )Tj 13.19 0 0 13.19 230.88 189.84 Tm (superision necessar to )Tj /T1_0 1 Tf 10.65 0 0 10.65 349.92 189.6 Tm (make themselves aware of the )Tj /T1_1 1 Tf 12.09 0 0 12.09 57.6 161.52 Tm (significant problems occurrng within their organization. )Tj EMC /Artifact <>BDC /T1_0 1 Tf 10.49 0 0 10.49 261.6 65.76 Tm (Page 5 of 12 )Tj EMC ET endstream endobj 941 0 obj <>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC BT /Artifact <>BDC /T1_0 1 Tf 3 Tr 11.33 0 0 11.33 102.96 755.28 Tm (Case 4:07 -cv-)Tj /T1_1 1 Tf 11.17 0 0 11.17 177.36 755.28 Tm (037 41 )Tj 13.15 0 0 13.15 228 755.52 Tm (Document )Tj 12.77 0 0 12.77 312.72 755.52 Tm (Filed 11/05/2007 )Tj /T1_0 1 Tf 11.68 0 0 11.68 418.8 755.52 Tm (Page 4 of 12 )Tj EMC /P <>BDC /T1_1 1 Tf 12.79 0 0 12.79 254.16 700.8 Tm (COMMERCE )Tj EMC /LI_Label <>BDC 10.37 0 0 10.37 94.08 672.48 Tm (10. )Tj EMC /LI_Title <>BDC 12.23 0 0 12.23 128.88 672.48 Tm (At all times materal to this Complaint)Tj 11.95 0 0 11.95 314.16 672.48 Tm (, Defendants have maintained a substantial )Tj 11.94 0 0 11.94 57.12 643.68 Tm (course of trade in the collection of debts)Tj 11.93 0 0 11.93 249.84 643.92 Tm (, in or affecting commerce)Tj 11.69 0 0 11.69 376.8 643.92 Tm (, as ")Tj 11.87 0 0 11.87 400.8 643.92 Tm (commerce)Tj 12 0 0 12 450.72 643.92 Tm (" is defined in )Tj 11.88 0 0 11.88 57.6 615.36 Tm (Section 4 of the FTC Act)Tj /T1_0 1 Tf 10.55 0 0 10.55 178.08 615.6 Tm (, 15 U.S.)Tj 11.39 0 0 11.39 220.56 615.36 Tm (C. 944. )Tj EMC /P <>BDC /T1_1 1 Tf 12.48 0 0 12.48 181.68 586.8 Tm (DEFENDANTS' BUSINESS PRACTICES )Tj EMC /LI_Label <>BDC 10.37 0 0 10.37 94.32 558.48 Tm (11. )Tj EMC /LI_Title <>BDC 11.98 0 0 11.98 135.12 558.48 Tm (From its offices in Houston and San Antonio)Tj 11.8 0 0 11.8 351.12 558.48 Tm (, Texas)Tj 11.91 0 0 11.91 385.92 558.48 Tm (, LTD engages in consumer )Tj 12.03 0 0 12.03 57.36 529.92 Tm (debt collection activities in all 50 states. LTD collects on approximate\ ly 1 )Tj 11.36 0 0 11.36 417.6 530.16 Tm (250 )Tj 11.92 0 0 11.92 438.72 529.92 Tm (000 accounts a )Tj /T1_0 1 Tf 10.96 0 0 10.96 57.12 501.36 Tm (year. The company collects debts in both English and )Tj /T1_1 1 Tf 11.66 0 0 11.66 319.68 501.36 Tm (Spanish. )Tj EMC /LI_Label <>BDC 10.18 0 0 10.18 94.56 473.28 Tm (12. )Tj EMC /LI_Title <>BDC 11.89 0 0 11.89 129.36 473.28 Tm (In numerous instances)Tj /T1_0 1 Tf 10.81 0 0 10.81 236.4 473.28 Tm (, L TD collectors threaten or )Tj 11.11 0 0 11.11 372.72 473.28 Tm (imply that L TD )Tj /T1_1 1 Tf 14.2 0 0 14.2 450.48 473.28 Tm (wil garish )Tj 11.84 0 0 11.84 57.36 444.48 Tm (consumers)Tj 11.45 0 0 11.45 109.44 444.72 Tm (' wages)Tj 11.88 0 0 11.88 145.68 444.24 Tm (, seize or attach consumers)Tj 11.94 0 0 11.94 274.8 444.24 Tm (' property, or initiate lawsuits against them if they )Tj 12.03 0 0 12.03 57.6 416.16 Tm (fail to pay LTD. Additional threats are made by LTD collectors)Tj 11.93 0 0 11.93 364.32 416.16 Tm (, including that criminal actions )Tj /T1_2 1 Tf 8.1 0 0 8.1 57.36 387.84 Tm (wil be taken against )Tj /T1_1 1 Tf 11.97 0 0 11.97 159.36 387.6 Tm (consumers or that consumers )Tj /T1_2 1 Tf 8.69 0 0 8.69 301.68 387.6 Tm (wil be )Tj /T1_1 1 Tf 11.67 0 0 11.67 338.16 387.84 Tm (arrested. )Tj EMC /LI_Label <>BDC 10.18 0 0 10.18 94.8 359.28 Tm (13. )Tj EMC /LI_Title <>BDC /T1_2 1 Tf 7.77 0 0 7.77 129.6 359.52 Tm (In trth and in fact)Tj /T1_1 1 Tf 11.92 0 0 11.92 218.88 359.52 Tm (, in numerous instances)Tj /T1_0 1 Tf 10.68 0 0 10.68 331.68 359.52 Tm (, when L TD collectors make the threats )Tj /T1_1 1 Tf 11.92 0 0 11.92 57.6 330.72 Tm (contained in Paragraph 12 above)Tj 11.96 0 0 11.96 214.56 330.72 Tm (, LTD has no legal authority or intent to )Tj /T1_2 1 Tf 9.25 0 0 9.25 408.48 330.96 Tm (garish consumers )Tj /T1_1 1 Tf 11.72 0 0 11.72 57.36 302.4 Tm (wages)Tj 11.88 0 0 11.88 87.6 302.4 Tm (, seize or attach consumers)Tj 11.93 0 0 11.93 216.72 302.4 Tm (' property, initiate lawsuits against consumers if they fail to pay )Tj 11.36 0 0 11.36 57.6 274.08 Tm (LTD)Tj 11.9 0 0 11.9 80.88 274.08 Tm (, or have consumers prosecuted or arrested. )Tj EMC /LI_Label <>BDC 10.37 0 0 10.37 94.56 246 Tm (14. )Tj EMC /LI_Title <>BDC 11.92 0 0 11.92 129.6 246 Tm (In numerous instances)Tj /T1_0 1 Tf 10.92 0 0 10.92 236.88 245.76 Tm (, L TD collectors call consumers at their place of )Tj /T1_1 1 Tf 11.96 0 0 11.96 57.84 217.2 Tm (employment even though the collectors know it is inconvenient for consum\ ers to receive calls )Tj /T1_0 1 Tf 10.99 0 0 10.99 57.12 188.88 Tm (there. L TD collectors also)Tj /T1_1 1 Tf 11.88 0 0 11.88 185.76 188.88 Tm (, in some instances)Tj 12.15 0 0 12.15 276.24 189.12 Tm (, disclose the existence of debts to third paries )Tj 11.87 0 0 11.87 57.84 160.8 Tm (such as the consumers )Tj /T1_0 1 Tf 10.89 0 0 10.89 165.12 160.56 Tm (' parents, children)Tj /T1_1 1 Tf 11.78 0 0 11.78 251.52 160.8 Tm (, employers)Tj 11.81 0 0 11.81 307.44 160.56 Tm (, co-workers)Tj 11.76 0 0 11.76 367.2 160.8 Tm (, and neighbors. )Tj EMC /LI_Label <>BDC 10.37 0 0 10.37 94.56 132.72 Tm (15. )Tj EMC /LI_Title <>BDC 11.92 0 0 11.92 129.6 132.72 Tm (In numerous instances)Tj /T1_0 1 Tf 10.77 0 0 10.77 236.88 132.48 Tm (, L TD collectors use harassing and abusive tactics. )Tj 10.19 0 0 10.19 485.28 132.48 Tm (L TD )Tj /T1_1 1 Tf 11.99 0 0 11.99 57.6 103.92 Tm (collectors sometimes call consumers multiple times a day, including call\ ing consumers right back )Tj EMC /Artifact <>BDC /T1_0 1 Tf 10.54 0 0 10.54 261.6 64.8 Tm (Page 4 of 12 )Tj EMC ET endstream endobj 942 0 obj <>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC BT /Artifact <>BDC /T1_0 1 Tf 3 Tr 11.33 0 0 11.33 102.96 755.28 Tm (Case 4:07 -cv-)Tj /T1_1 1 Tf 11.17 0 0 11.17 177.36 755.28 Tm (037 41 )Tj 13.15 0 0 13.15 228 755.52 Tm (Document )Tj 12.77 0 0 12.77 312.72 755.52 Tm (Filed 11/05/2007 )Tj /T1_0 1 Tf 11.68 0 0 11.68 418.8 755.52 Tm (Page 3 of 12 )Tj EMC /P <>BDC /T1_2 1 Tf 9.14 0 0 9.14 57.36 700.8 Tm (Chairman ofthe Board)Tj /T1_1 1 Tf 11.94 0 0 11.94 167.76 700.8 Tm (, Chief Executive Officer)Tj 12.16 0 0 12.16 288.72 700.8 Tm (, and a 50% owner ofLTD)Tj 11.93 0 0 11.93 417.36 701.04 Tm (, formulated)Tj 11.8 0 0 11.8 476.4 701.04 Tm (, directed )Tj 11.9 0 0 11.9 57.36 672.48 Tm [(controlled)-59(, or had the authority to control)]TJ 11.86 0 0 11.86 255.6 672.48 Tm (, the acts and practices ofL TD)Tj 11.96 0 0 11.96 402.72 672.48 Tm (, including the acts and )Tj 12.11 0 0 12.11 57.12 643.92 Tm (practices alleged in this Complaint. At all times relevant to this Compl\ aint)Tj /T1_0 1 Tf 10.77 0 0 10.77 417.6 643.92 Tm (, Defendant Pruzansky )Tj /T1_1 1 Tf 12.01 0 0 12.01 57.12 614.88 Tm (has resided or transacted business in the Southern )Tj /T1_2 1 Tf 8.12 0 0 8.12 298.56 614.64 Tm (Distrct of Texas. )Tj EMC /P <>BDC /T1_1 1 Tf 12.04 0 0 12.04 129.6 586.32 Tm (Defendant John Brewster was the Senior Vice President in charge ofLTD' )Tj 12 0 0 12 57.6 557.52 Tm (collection operations in Houston)Tj /T1_0 1 Tf 10.94 0 0 10.94 214.32 557.76 Tm (, Texas. Defendant Brewster played an active role in the )Tj /T1_1 1 Tf 12.09 0 0 12.09 57.36 529.2 Tm (management and/or supervision ofLTD' )Tj 12.15 0 0 12.15 253.92 528.96 Tm (s debt collection activities. Defendant Brewster)Tj 11.67 0 0 11.67 484.56 529.2 Tm (, in his )Tj 12.08 0 0 12.08 57.84 500.4 Tm (capacity as Senior Vice President ofLTD)Tj 11.78 0 0 11.78 257.28 500.4 Tm (, formulated)Tj 11.8 0 0 11.8 315.6 500.4 Tm (, directed)Tj 11.86 0 0 11.86 360.24 500.4 Tm (, controlled)Tj 12 0 0 12 414.96 500.64 Tm (, or had the authority )Tj /T1_0 1 Tf 11.2 0 0 11.2 57.6 471.84 Tm (to control)Tj /T1_1 1 Tf 12.13 0 0 12.13 104.4 472.08 Tm (, the acts and practices ofLTD)Tj 11.96 0 0 11.96 251.52 471.84 Tm (, including the acts and practices alleged in this )Tj 12.22 0 0 12.22 57.84 443.52 Tm (Complaint. At all times relevant to )Tj /T1_0 1 Tf 11.21 0 0 11.21 230.64 443.52 Tm (this Complaint)Tj /T1_1 1 Tf 11.95 0 0 11.95 302.16 443.52 Tm (, Defendant Brewster has resided or transacted )Tj 12.16 0 0 12.16 57.36 415.2 Tm (business in the )Tj /T1_0 1 Tf 12.27 0 0 12.27 132 415.2 Tm (Souther Distrct of )Tj /T1_1 1 Tf 11.65 0 0 11.65 230.16 415.2 Tm (Texas. )Tj EMC /P <>BDC 12.04 0 0 12.04 129.84 386.64 Tm (Defendant Derrek Davis is the Vice President in charge ofLTD' )Tj 11.94 0 0 11.94 439.44 386.88 Tm (s collection )Tj 11.97 0 0 11.97 57.84 358.08 Tm (operations in San Antonio)Tj 12.08 0 0 12.08 184.08 358.08 Tm (, Texas. Defendant Davis plays an active role in the management )Tj 12.12 0 0 12.12 58.08 329.52 Tm [(and/or supervision ofLTD' )-38(s debt collection activities. Defendant Davis)]TJ 11.9 0 0 11.9 405.36 329.52 Tm (, in his capacity as Vice )Tj 12.31 0 0 12.31 57.84 301.2 Tm (President ofLTD)Tj 11.83 0 0 11.83 142.08 301.2 Tm (, formulated)Tj 11.8 0 0 11.8 200.64 300.96 Tm (, directed)Tj 11.91 0 0 11.91 245.04 300.96 Tm (, controlled)Tj 11.93 0 0 11.93 299.76 301.2 Tm (, or had the authority to control)Tj 11.86 0 0 11.86 449.52 301.2 Tm (, the acts and )Tj 12.37 0 0 12.37 57.6 272.64 Tm (practices ofLTD)Tj 12.11 0 0 12.11 139.92 272.64 Tm (, including the acts and practices alleged in this Complaint. )Tj 11.98 0 0 11.98 429.12 272.64 Tm (At all times )Tj 12.03 0 0 12.03 57.6 244.32 Tm (relevant to this Complaint)Tj 12 0 0 12 183.36 244.32 Tm (, Defendant Davis has transacted business in the Southern )Tj 13.25 0 0 13.25 463.92 244.08 Tm (Distrct of )Tj 11.65 0 0 11.65 58.08 216 Tm (Texas. )Tj EMC /P <>BDC 11.73 0 0 11.73 130.08 187.68 Tm (Defendants L TD Financial Services)Tj /T1_0 1 Tf 10.49 0 0 10.49 302.16 187.68 Tm (, L.P.)Tj /T1_1 1 Tf 11.95 0 0 11.95 327.84 187.92 Tm (, Timothy Feldman)Tj 11.83 0 0 11.83 420.24 187.92 Tm (, Leonard Pruzansky, )Tj /T1_0 1 Tf 10.81 0 0 10.81 57.84 159.12 Tm (John Brewster)Tj /T1_1 1 Tf 11.91 0 0 11.91 127.44 159.12 Tm (, and Derrek Davis \(")Tj 11.86 0 0 11.86 229.68 159.12 Tm (Defendants )Tj 11.89 0 0 11.89 289.44 159.36 Tm (\) are ")Tj /T1_0 1 Tf 10.87 0 0 10.87 319.2 159.12 Tm (debt collectors)Tj /T1_1 1 Tf 12.03 0 0 12.03 389.76 159.12 Tm (" as defined in Section )Tj 11.93 0 0 11.93 58.32 130.8 Tm (803\(6\) of the FDCPA)Tj /T1_0 1 Tf 10.67 0 0 10.67 162.72 131.04 Tm (, 15 U. )Tj /T1_2 1 Tf 8.11 0 0 8.11 204.96 130.8 Tm (c. 9 1692a\(6\). )Tj EMC /Artifact <>BDC /T1_0 1 Tf 10.54 0 0 10.54 262.08 65.28 Tm (Page 3 of 12 )Tj EMC ET endstream endobj 943 0 obj <>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC BT /Artifact <>BDC /T1_0 1 Tf 3 Tr 11.33 0 0 11.33 102.96 755.28 Tm (Case 4:07 -cv-)Tj /T1_1 1 Tf 11.17 0 0 11.17 177.36 755.28 Tm (037 41 )Tj 13.15 0 0 13.15 228 755.52 Tm (Document )Tj 12.77 0 0 12.77 312.72 755.52 Tm (Filed 11/05/2007 )Tj /T1_0 1 Tf 11.68 0 0 11.68 418.8 755.52 Tm (Page 2 of 12 )Tj EMC /P <>BDC /T1_1 1 Tf 11.87 0 0 11.87 57.6 701.04 Tm (civil penalties)Tj 12.09 0 0 12.09 124.8 701.28 Tm (, pennanent injunction)Tj 11.82 0 0 11.82 233.28 701.28 Tm (, consumer redress)Tj /T1_0 1 Tf 10.7 0 0 10.7 322.56 701.28 Tm (, disgorgement)Tj /T1_1 1 Tf 12.06 0 0 12.06 393.84 701.28 Tm (, and other equitable relief )Tj 11.78 0 0 11.78 57.84 672.48 Tm (for Defendants)Tj 11.8 0 0 11.8 129.6 672.72 Tm (' violations of the FDCP A and Section 5 of the FTC Act. )Tj /T1_2 1 Tf 8.01 0 0 8.01 129.6 644.4 Tm (This Court has jursdiction over this matter under )Tj /T1_0 1 Tf 10.75 0 0 10.75 369.84 644.16 Tm (28 U. )Tj /T1_2 1 Tf 8.52 0 0 8.52 406.56 644.16 Tm (c. 99 1331)Tj /T1_1 1 Tf 11.52 0 0 11.52 459.84 644.4 Tm (, 1337)Tj 11.43 0 0 11.43 489.84 644.4 Tm (, 1345 )Tj EMC /P <>BDC /T1_2 1 Tf 8.95 0 0 8.95 57.84 615.6 Tm (and 1355)Tj /T1_0 1 Tf 10.62 0 0 10.62 102.24 615.84 Tm (, and under 15 U. )Tj /T1_2 1 Tf 8.28 0 0 8.28 195.12 615.84 Tm (c. 99 45\(m\)\(1\)\(A\), 53\(b\), 57b)Tj 5 0 0 5 340.32 615.84 Tm (, and )Tj /T1_1 1 Tf 5.376 0 Td (16921. )Tj /T1_0 1 Tf 10.97 0 0 10.97 402.72 616.08 Tm (This action arses under )Tj EMC /P <>BDC /T1_1 1 Tf 11.13 0 0 11.13 58.8 587.04 Tm (15 U. )Tj /T1_2 1 Tf 7.74 0 0 7.74 94.32 587.04 Tm (c. 9 45\(a\)\(1\) )Tj /T1_0 1 Tf 10.63 0 0 10.63 159.36 587.28 Tm (and 15 U. )Tj /T1_2 1 Tf 7.93 0 0 7.93 216.24 587.28 Tm (c. 9 1692/. )Tj /T1_1 1 Tf 12.03 0 0 12.03 129.6 558.72 Tm (Venue is proper in the United States )Tj /T1_0 1 Tf 11.82 0 0 11.82 306.96 558.72 Tm (Distrct Court for the Souther )Tj /T1_1 1 Tf 13.12 0 0 13.12 457.44 558.96 Tm (Distrct of )Tj EMC /P <>BDC /T1_2 1 Tf 8.56 0 0 8.56 57.84 530.16 Tm (Texas under 28 U. )Tj 8.38 0 0 8.38 156 530.16 Tm (c. 99 1391\(b-c\) and 1395\(a\) and 15 U. )Tj 8.48 0 0 8.48 352.8 530.16 Tm (c. 953\(b\).\001 )Tj EMC /P <>BDC /T1_1 1 Tf 12.3 0 0 12.3 251.28 501.6 Tm (DEFENDANTS )Tj EMC /P <>BDC 11.73 0 0 11.73 129.6 473.52 Tm (Defendant L TD Financial Services)Tj 11.78 0 0 11.78 297.36 473.28 Tm (, L.P. \(")Tj /T1_0 1 Tf 11.33 0 0 11.33 335.04 473.52 Tm (L TD" or ")Tj /T1_1 1 Tf 11.92 0 0 11.92 384.96 473.28 Tm (company )Tj 11.99 0 0 11.99 433.68 473.52 Tm (\) is a Texas limited )Tj 12.01 0 0 12.01 57.6 444.72 Tm (partnership with its principal office and place of business located with\ in the Southern )Tj 13.12 0 0 13.12 470.88 444.96 Tm (Distrct of )Tj /T1_0 1 Tf 10.67 0 0 10.67 58.08 416.4 Tm (Texas at 7322 Southwest Freeway, Suite 1600)Tj /T1_1 1 Tf 11.85 0 0 11.85 280.32 416.4 Tm (, Houston)Tj /T1_0 1 Tf 11.1 0 0 11.1 327.12 416.4 Tm (, Texas 77063. At all times relevant to )Tj 11.14 0 0 11.14 58.08 387.84 Tm (this Complaint)Tj /T1_1 1 Tf 11.98 0 0 11.98 129.36 388.08 Tm (, Defendant LTD has transacted business in the Southern )Tj /T1_2 1 Tf 8.12 0 0 8.12 404.88 388.08 Tm (Distrct of Texas. )Tj EMC /P <>BDC /T1_1 1 Tf 11.99 0 0 11.99 129.84 359.76 Tm (Defendant Timothy Feldman is President)Tj 12.28 0 0 12.28 328.08 359.52 Tm (, Chief Operating Offcer)Tj /T1_0 1 Tf 10.43 0 0 10.43 449.28 359.52 Tm (, and a 50% )Tj /T1_1 1 Tf 12.08 0 0 12.08 58.32 330.72 Tm (owner of LTD. Defendant Feldman plays an active role in the management a\ nd/or supervision of )Tj 10.26 0 0 10.26 58.08 302.4 Tm (L TD' )Tj 12.12 0 0 12.12 85.44 302.16 Tm (s debt collection activities. Defendant Feldman)Tj 11.92 0 0 11.92 314.4 302.4 Tm (, in his capacity as the President)Tj 12.34 0 0 12.34 467.52 302.4 Tm (, Chief )Tj EMC /StyleSpan <>BDC 12.39 0 0 12.39 58.08 271.44 Tm (Operating Offcer)Tj EMC /P <>BDC 12.16 0 0 12.16 143.28 274.08 Tm (, and a 50% owner ofLTD)Tj /T1_0 1 Tf 10.44 0 0 10.44 272.16 273.84 Tm (, fonnu1ated)Tj /T1_1 1 Tf 11.87 0 0 11.87 330.72 273.84 Tm (, directed)Tj 11.91 0 0 11.91 375.36 273.84 Tm (, controlled)Tj 11.84 0 0 11.84 430.08 273.84 Tm (, or had the )Tj /T1_0 1 Tf 11.12 0 0 11.12 58.32 245.52 Tm (authority to control)Tj 10.58 0 0 10.58 150.48 245.52 Tm (, the acts and practices of L TD)Tj /T1_1 1 Tf 11.94 0 0 11.94 298.08 245.76 Tm (, including the acts and practices alleged in this )Tj 12.15 0 0 12.15 58.32 216.72 Tm (Complaint. At all times relevant to this Complaint)Tj 11.95 0 0 11.95 302.64 216.72 Tm (, Defendant Feldman has resided or transacted )Tj 12.29 0 0 12.29 57.84 188.16 Tm (business in the Southern Distrct )Tj 11.8 0 0 11.8 217.2 188.4 Tm (of Texas. )Tj EMC /P <>BDC 12.03 0 0 12.03 130.08 160.32 Tm (Defendant Leonard Pruzansky is Chainnan of the Board)Tj 12.28 0 0 12.28 400.08 160.08 Tm (, Chief Executive Offcer )Tj 12.12 0 0 12.12 58.32 131.52 Tm (and a 50% owner of LTD. Defendant Pruzanskyplays an active role in the m\ anagement and/or )Tj /T1_2 1 Tf 7.58 0 0 7.58 58.56 102.72 Tm (supervision of L TD' s debt collection activities. )Tj /T1_1 1 Tf 11.95 0 0 11.95 290.64 102.72 Tm (Defendant Pruzansky, in his capacity as the )Tj EMC /Artifact <>BDC /T1_0 1 Tf 10.49 0 0 10.49 262.32 65.52 Tm (Page 2 of 12 )Tj EMC ET endstream endobj 944 0 obj <>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC BT /Artifact <>BDC /T1_0 1 Tf 3 Tr 11.33 0 0 11.33 102.96 755.28 Tm (Case 4:07 -cv-)Tj /T1_1 1 Tf 11.17 0 0 11.17 177.36 755.28 Tm (037 41 )Tj 13.15 0 0 13.15 228 755.52 Tm (Document )Tj 12.77 0 0 12.77 312.72 755.52 Tm (Filed 11/05/2007 )Tj 14.33 0 0 14.33 418.8 755.52 Tm (Page )Tj 12.29 0 0 12.29 450.24 755.52 Tm (1 of 12 )Tj EMC /P <>BDC 12.64 0 0 12.64 191.04 701.28 Tm (UNITED STATES DISTRICT COURT )Tj EMC /P <>BDC /T1_0 1 Tf 12.14 0 0 12.14 168.48 687.36 Tm (FOR THE SOUTHERN DISTRICT OF TEXAS )Tj EMC /P <>BDC /T1_1 1 Tf 12.47 0 0 12.47 233.28 672.96 Tm (HOUSTON DIVISION )Tj EMC /P <>BDC 11.94 0 0 11.94 58.32 615.84 Tm (UNITED STATES OF AMERICA )Tj 12.45 0 0 12.45 165.84 587.76 Tm (Plaintiff )Tj /T1_0 1 Tf 12.19 0 0 12.19 348.96 558.96 Tm (Civil Action No. H-)Tj /T1_1 1 Tf 11.17 0 0 11.17 448.8 558.72 Tm (07-)Tj 10.8 0 0 10.8 464.88 558.48 Tm (3741 )Tj 11.8 0 0 11.8 58.08 530.4 Tm (LTD FINANCIAL SERVICES)Tj 11.4 0 0 11.4 207.6 530.64 Tm (, L.P. )Tj EMC /P <>BDC /T1_0 1 Tf 11.98 0 0 11.98 58.32 502.08 Tm (TIMOTHY FELDMAN )Tj 11.7 0 0 11.7 58.08 473.52 Tm (LEONARD PRUZANSKY )Tj /T1_1 1 Tf 11.37 0 0 11.37 58.08 445.2 Tm (JOHJ'J BREWSTER )Tj 11.73 0 0 11.73 155.52 445.2 Tm (, and )Tj /T1_0 1 Tf 12.67 0 0 12.67 57.84 416.4 Tm (DERRK DAVIS )Tj EMC /P <>BDC /T1_1 1 Tf 11.84 0 0 11.84 165.36 388.32 Tm (Defendants. )Tj EMC /P <>BDC 12.75 0 0 12.75 82.8 331.2 Tm (COMPLAINT FOR CIVIL PENALTIES. INJUNCTIVE. AND OTHER RELIEF )Tj EMC /P <>BDC 12.3 0 0 12.3 93.36 302.88 Tm (Plaintiff)Tj 11.97 0 0 11.97 132.96 302.88 Tm (, the United States of America)Tj 11.96 0 0 11.96 278.4 303.12 Tm (, acting upon notification and authorization to the )Tj 11.92 0 0 11.92 57.84 274.32 Tm (Attorney General by the 鶹ý Trade Commission \(")Tj 11.96 0 0 11.96 318.72 275.04 Tm (Commission )Tj 11.94 0 0 11.94 384.72 274.8 Tm (\), by its undersigned )Tj 11.59 0 0 11.59 57.84 246 Tm (attorneys)Tj 11.91 0 0 11.91 101.28 246.48 Tm (, for its Complaint alleges as follows: )Tj EMC /P <>BDC /T1_0 1 Tf 12.23 0 0 12.23 210.96 217.68 Tm (JURISDICTION AND VENUE )Tj EMC /P <>BDC /T1_1 1 Tf 11.95 0 0 11.95 129.12 189.36 Tm (This is an action arising under 99 5\(a\), 5\(m\)\(1\)\(A\), 13\(b\), an\ d 16\(a\) of the 鶹ý )Tj 11.93 0 0 11.93 57.84 161.04 Tm (Trade Commission Act \(")Tj 12.01 0 0 12.01 181.68 161.52 Tm (FTC Act")Tj 11.68 0 0 11.68 229.44 161.52 Tm (\), 15 U.S.)Tj 11.94 0 0 11.94 275.76 161.52 Tm (C. 99 45\(a\), 45\(m\)\(1\)\(A\), 53\(b\), and 56\(a\), and the )Tj EMC /P <>BDC 12 0 0 12 57.6 132.48 Tm (Fair Debt Collection Practices Act \(")Tj 11.96 0 0 11.96 234.96 133.2 Tm (FDCPA")Tj 11.62 0 0 11.62 278.88 133.44 Tm (\), 15 U.S.)Tj /T1_2 1 Tf 5 0 0 5 324.96 133.2 Tm (C. 9 1692 )Tj /T1_0 1 Tf 9.16 0 0 9.16 374.4 133.2 Tm ('ef seq. )Tj 11.56 0 0 11.56 411.84 133.68 Tm (to obtain monetar )Tj EMC /Artifact <>BDC 10.41 0 0 10.41 261.6 65.76 Tm (Page 1 of 12 )Tj EMC ET endstream endobj 945 0 obj <> endobj 946 0 obj <>stream application/pdf LTD Financial Services, L.P., et al - Complaint for Civil Penalties, Injunctive, and Other Relief FTC 2007-11-06T10:21:30-05:00 2007-11-06T10:21:30-05:00 2007-11-06T10:21:30-05:00 uuid:7c5533fc-6965-465b-9086-3abbf3c3b4ca uuid:3b56b5a7-442a-47a5-b362-1ba1a3339912 endstream endobj xref 0 2 0000000494 65535 f 0000462068 00000 n 3 1 0000462233 00000 n 10 1 0000462478 00000 n 17 1 0000462725 00000 n 24 1 0000462972 00000 n 31 1 0000463219 00000 n 38 1 0000463469 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