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[߯6ycXiR|/D?_U&%:z&aGoZH"O_ i_aui_8$/쐬>}oBد}`(_VH[e{9NkkWHVQ!dv~eJ׵_7_mwm[_J׵^յ[{^k}ukk5zV}|UE]^0j_b'k1[ua6;/}iD=ƚniV4N%E_6;/;/k[k)դqza684ᄬ 6m4HM8E8P ǵlm1M&lRa>&6WdX ;i״M ! i NjXA4kiMH5l+  " 0B!4 E4մӻ0^W^dWMaP0[  M !5&)H `0Af2ӡ' 3'1pB-3!#s &&DZY]i"[#;C H2Ր,`ArVW$rm2)lBJŒ .0dT T…]uSL/ K MqӸ;p@ȱw"]g&9;L"q]"qiޚ%u*=qW77V)) B k(ÈO9bmȌYsqNTD&f)dfDc5D&NfNu2PUS'CA2l΂A! gA 10c[A!EPaa 4 dfbh0L" rgp00@!f"4Nh0aBP_8l0(D>P8A4A릪M,'i$NDWj-v}P ~'a 0hZa vk'ii`.20a=;!iz' e 21> 62gOMhN-O,Z 7wDNNx'B=_% B<[TDb /'ut>tmv:/# [W WӯCO_Я &/Ӱt u}>6.^<~=?Gֽu?q! !R_ǿC/ _۪^_ u&k_ĸOK^!}/aNz&5_LZ:euO~/^^ǽ~Gx5~D߮_/o z_Po%_ a/K/Z M{w!Wdo //(6(?{Z(_a_sHVQ!Y!%Gu!$/$/3Aluk_^V j}~ҵuvo[_a[[a֛noj^[kio5X;/5oZ ~a_bvҵk}^vNC=v8;ح{~c⢢a;@^+[@OaCCM[V. _a64ݦk}46N[إ➓w}84چ4xSݱ 4Oh'`q^m> MvE mCq[N)AӊM&QMa a-6&6 Z ղ,״VjՑ` 5 E0T&2`@5m't¶iiE(a2,l( E2,mjMC `$Ȯ0@T(L!j= 3DDA 0  \H* `L#LL* T& 3hd )` š x0B"" 6LDDTd6ɚ@hDDDDDDDd u)UW0L AwxBF?Mک2]gxBv_+-W^S wrȃ3:!B2CN.g Cق|a8D? ZmPiivËU ߵC yk ( ܄r2tMI乽r;h'7Ktޮ}K?V뾼}^~.iDJ?_AKH_={i/]/fuhj]5eOe 1l0[`q>m& Ȱi¦iwh0L&aa/ )=`DBYd+XQDOg-ؓ&lYAATvYrn((&A;UU UiU\(Pvp(v;Ӈuw;qӇrj*v)B}]kU_,I^Jtf׷SfI Χ3fPy3d6t>ϊCDf("eDلC P2qfDA6fJ9O;! &\S_`Cɹ @(40@i=B 8!BQ. 4) D=dIـiMi06iMvkՠA Vab"[L)t,BiaI(dX a[M{H74vIm45{ME4v0 !:0T aP"""DDA.2n`L*`0B,,CpL ` OW& `A DFeDDD0B(Am!XGHDG}t?D-R0P0A]dS%~gYňɷU"[2\ vEA- 7Kꋏwp¢qxN!믰u\uȌR@4r|i2 4@0Q   L(&qȴޘUa0'PȕDNx>։ /@렃h't'ﻆNzH7<_2P,;_ЮI:~8_?]^t_utORiMAoI0/_I: =GvQ>ZK[[^&['}?o߄O??iM4v)a4InM[IPM5l&E`/ -4 0 ` `QtAM DDT}*ɻ]jl |Msa26MCi(iӦ@ܝdt}SkM}~6b!j&+ 4 G=6D-YyWD'iJ0AH7/_+xU(?w޵~ e #uI/m_.ui:P䄗Z_KEj_mTRޜ5U88mUzo @{mm^lmS hHDQtAc4XR$?{T endstream endobj 12 0 obj << /Length 3777 >> stream q q 591.36 0.00 0.00 768.00 0.00 0.00 cm 0.00 0.00 0.00 rg /Im13 Do Q Q q BT 3 Tr /F14 11.33 Tf 102.96 755.28 TD (Case 4:07 -cv-) Tj /F15 11.17 Tf 74.40 0.00 TD (037 41) Tj /F16 10.48 Tf 50.64 0.24 TD (Document 2) Tj /F15 12.77 Tf 84.72 0.00 TD (Filed 11/05/2007) Tj /F14 11.72 Tf 106.08 0.00 TD (Page 2 of 23) Tj /F15 11.46 Tf -357.12 -73.68 TD (from the Complaint to the date of entry of the Order and without Defendants admitting any of the) Tj /F15 11.48 Tf 0.00 -27.60 TD (matters alleged in the Complaint other than jurisdictional facts;) Tj /F15 11.42 Tf 34.32 -27.60 TD (THEREFORE) Tj /F15 11.49 Tf 66.72 0.24 TD (, on the joint motion of Plaintiff and Defendants) Tj /F15 11.35 Tf 222.00 -.24 TD (, it is hereby ORDERED) Tj /F15 11.45 Tf -322.80 -27.12 TD (ADJUDGED, and DECREED as follows:) Tj /F15 11.48 Tf 68.88 -27.36 TD (This Court has jurisdiction of the subject matter and of the parties.) Tj /F15 11.48 Tf 0.00 -27.12 TD (The Complaint states a claim upon which relief may be granted against the) Tj /F15 11.59 Tf -68.64 -27.60 TD (Defendants under Sections 5\(a\), 5\(m\)\(l\)\(A\), 13\(b\), and 16\(a\) of the ) Tj /F15 11.42 Tf 314.40 0.24 TD (鶹ý Trade Commission) Tj /F15 11.53 Tf -314.40 -27.12 TD (Act \(") Tj /F15 11.46 Tf 28.32 0.00 TD (FTC Act") Tj /F15 11.08 Tf 45.60 0.00 TD (\), 15 U.) Tj /F15 5.00 Tf 44.64 0.00 TD (C. ) Tj /F15 11.71 Tf 27.60 0.24 TD (45\(a\), 45\(m\)\(l\)\(A\), 53b) Tj /F15 11.46 Tf 110.64 0.00 TD (, and 56\(a\), and Section 814 of the Fair) Tj /F15 11.53 Tf -256.80 -27.60 TD (Debt Collection Practices Act \(") Tj /F15 11.50 Tf 149.28 0.48 TD (FDCPA") Tj /F14 10.57 Tf 42.24 0.00 TD (\), 15 V.) Tj /F15 5.00 Tf 44.16 0.00 TD (C. ) Tj /F15 11.75 Tf 23.28 -.24 TD (1692/. A complete copy ofthe FDCPA) Tj /F15 10.59 Tf -257.52 -27.60 TD (15 V.) Tj /F15 5.00 Tf 33.36 0.00 TD (C. ) Tj 23.28 0.00 TD (1692 ) Tj /F15 10.99 Tf 24.72 0.00 TD (et seq.) Tj /F14 11.27 Tf 35.28 0.00 TD (is attched.) Tj /F15 11.51 Tf -49.20 -27.36 TD (Venue in this district is proper under 28 U.S.) Tj /F15 5.00 Tf 207.60 -.24 TD (c. ) Tj /F16 8.03 Tf 28.80 0.00 TD (1391\(b-c\) and 1395\(a\) and 15) Tj /F15 5.00 Tf -284.40 -27.12 TD (c. ) Tj /F15 11.13 Tf 21.84 0.24 TD (53\(b\).) Tj /F15 11.50 Tf 26.64 -27.36 TD (The activities of Defendants are in or affecting commerce as ") Tj /F15 11.29 Tf 286.08 0.00 TD (commerce) Tj /F15 11.49 Tf 47.52 -.24 TD (" is defined) Tj /F15 11.49 Tf -402.24 -27.36 TD (in Section 4 of the FTC Act) Tj /F16 5.00 Tf 128.16 0.24 TD (, 15 ) Tj /F15 5.00 Tf 40.56 0.00 TD (C. ) Tj /F15 10.75 Tf 21.60 0.48 TD (44.) Tj /F15 11.51 Tf -121.44 -28.32 TD (For purposes of this Consent Decree \(") Tj /F15 11.19 Tf 179.76 0.24 TD (Decree) Tj /F15 11.43 Tf 37.68 -.24 TD (\), the definitions set forth in the) Tj /F15 10.50 Tf -286.32 -27.12 TD (FDCP A) Tj /F14 10.06 Tf 36.72 -.24 TD (, 15 U.S.) Tj /F15 5.00 Tf 40.56 0.24 TD (c. ) Tj /F15 11.10 Tf 22.80 0.00 TD (1692a) Tj /F14 10.32 Tf 28.08 0.00 TD (, shall apply.) Tj /F15 11.45 Tf -59.28 -27.36 TD (Entry of this Decree is in the public interest.) Tj /F15 11.55 Tf 0.00 -27.36 TD (Defendants stipulate to the entry ofthis Decree freely and without coercion.) Tj /F15 11.46 Tf -68.64 -27.60 TD (Defendants further acknowledge that they have read the provisions of this Decree and are prepared) Tj /F15 11.37 Tf -.24 -27.36 TD (to abide by them.) Tj /F15 11.47 Tf 69.12 -26.88 TD (All parties hereby waive all rights to appeal or otherwise challenge or contest the) Tj /F15 11.34 Tf -68.88 -27.12 TD (validity of this Decree.) 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Defendants have ) Tj /F22 11.50 Tf 116.88 0.00 TD (waived all claims under the Equal Access to Justice Act) Tj /F22 10.93 Tf 257.76 0.24 TD (, 28 U.) Tj /F21 9.84 Tf -373.92 -27.36 TD (~ 2412.) Tj /F22 12.21 Tf 34.08 -27.84 TD (CIVIL PENALTY) Tj /F22 11.42 Tf 34.56 -26.64 TD (Defendant LTD Financial Services, L.P.) Tj /F22 11.48 Tf 185.28 0.24 TD (, its successors and assigns) Tj /F22 11.22 Tf 124.08 -.48 TD (, shall pay to) Tj /F22 11.59 Tf -378.24 -26.64 TD (Plaintiff a civil penalty, pursuant to Section 5\(m\)\(l\)\(A\) of the FTC Act) Tj /F21 10.63 Tf 328.08 -.24 TD (, 15 V.) Tj /F22 11.65 Tf 40.80 0.00 TD (C. ~ 45\(m\)\(l\)\(A\),) Tj /F22 11.79 Tf -368.64 -27.36 TD (in the amount of one milion) Tj /F21 10.10 Tf 131.76 0.00 TD (, three hundred seventy-) Tj /F21 10.42 Tf 110.16 0.00 TD (five thousand dollars \($1) Tj /F22 10.84 Tf 118.32 -.24 TD (375,) Tj /F22 11.06 Tf 19.92 0.24 TD (000\).) Tj /F22 11.46 Tf -311.28 -27.36 TD (Defendant LTD Financial Services) Tj /F22 11.40 Tf 160.80 0.24 TD (, L.P. shall make the payment required by this) Tj /F22 11.47 Tf -229.44 -27.60 TD (Paragraph on or before the tenth day following ) Tj /F21 12.34 Tf 217.92 0.24 TD (entr of ) Tj /F21 10.48 Tf 38.40 0.00 TD (this Decree. Such payment shall ) Tj /F21 10.20 Tf 153.12 -.24 TD (be by) Tj /F22 11.50 Tf -409.44 -27.36 TD (electronic fund transfer in accordance with the ) Tj /F23 7.58 Tf 216.72 0.24 TD (instrctions to be ) Tj /F22 11.85 Tf 81.84 -.24 TD (provided by the Offce ) Tj /F22 11.47 Tf -298.32 -27.12 TD (Consumer Litigation) Tj /F22 11.43 Tf 95.76 0.24 TD (, Civil Division) Tj /F22 10.76 Tf 71.52 -.24 TD (, U.) Tj /F22 11.49 Tf 17.04 0.00 TD (S. Department of Justice, Washington) Tj /F22 10.59 Tf 174.72 0.00 TD (, D.) Tj /F22 11.27 Tf 16.56 0.00 TD (C. 20530.) Tj /F22 11.38 Tf -306.48 -27.36 TD (In the event of any default in payment) Tj /F22 11.57 Tf 174.48 0.24 TD (, which default continues for ten \(l0\) days) Tj /F22 11.49 Tf -243.60 -27.84 TD (beyond the due date of payment) Tj /F22 11.37 Tf 147.36 0.24 TD (, the entire unpaid amount) Tj /F22 11.47 Tf 119.76 0.24 TD (, together with interest, as computed) Tj /F21 9.99 Tf -267.12 -27.84 TD (pursuant to 28 U .) Tj /F22 11.45 Tf 90.00 0.48 TD (C. ~ 1961 from the date of default to the date of payment, shall immediately) Tj /F21 9.99 Tf -89.52 -27.60 TD (become due and payable.) Tj /F22 11.49 Tf 69.12 -27.12 TD (This judgment represents a civil penalty owed to the Vnited States Government and) Tj /F22 11.54 Tf -68.88 -27.60 TD (is not compensation for actual pecuniary loss. The Defendants agree that the facts as alleged in the) Tj /F22 11.70 Tf 0.00 -27.36 TD (Complaint fied in this action shall be taken ) Tj /F22 11.19 Tf 204.00 0.00 TD (as true) Tj /F22 11.62 Tf 30.24 0.00 TD (, without further proof) Tj /F22 11.34 Tf 103.20 0.00 TD (, in any subsequent) Tj /F22 11.71 Tf -337.20 -27.36 TD (litigation fied by or on behalf of the ) Tj /F22 11.46 Tf 170.40 0.24 TD (Commission to collect any unpaid amount or otherwise) Tj /F22 11.50 Tf -170.64 -27.60 TD (enforce its rights pursuant to this Decree) Tj /F22 11.42 Tf 187.20 0.00 TD (, including a nondischargeability complaint filed in any) Tj /F22 12.88 Tf -186.96 -27.60 TD (bankrptcy ) Tj /F22 10.59 Tf 54.72 0.00 TD (case.) 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CA֮ + MJ]6k +;ﺿOME۫ :?]?C:k{xa?OOO[\^_zOO+_:Ӈ_+^~Óδ_/_ u[ӯ~:Ez_z~I _o{ >N5ID x T/K{ܣ;u__(޼=Q__ ﲍ$'_kzwVuկ`u^?a00_m/`oik~a`V lU ۯ_hPi[CǯwQűJvWUuu 7dN6!Vkix["c *4j)]u0 0aWh44ب{ %vbi46 -2#AlPOM zm#anӦLPL&N+7L-: &D{ axaDPTmMP` _dW00ݦ#-ޝ2#0,D0B""#&hD0PjgDDD0B """"!M a80"""8ΈTqPKKKJ|AV-zV* VIPZi4xh CIAMD2,"ˆ-'-k L DX4iP%Qw蓰~7E202f0@ ,fw!!_Dh8蕺j_RAi0m,^+~mzK_Uo״ !~_ t.K{ K/MzpZd_]~:ۭM/!z9:0komlRӫkaaaA#2""OH8JحC n,@ endstream endobj 26 0 obj << /Length 3830 >> stream q q 591.36 0.00 0.00 768.00 0.00 0.00 cm 0.00 0.00 0.00 rg /Im27 Do Q Q q BT 3 Tr /F28 11.33 Tf 102.96 755.28 TD (Case 4:07 -cv-) Tj /F29 11.17 Tf 74.40 0.00 TD (037 41) Tj /F30 10.48 Tf 50.64 0.24 TD (Document 2) Tj /F29 12.77 Tf 84.72 0.00 TD (Filed 11/05/2007) Tj /F28 11.72 Tf 106.08 0.00 TD (Page 4 of 23) Tj /F29 11.49 Tf -289.68 -74.16 TD (Proceedings initiated under this Paragraph are in addition to) Tj /F29 11.52 Tf 276.48 0.00 TD (, and not in lieu of) Tj /F29 11.23 Tf 83.76 0.24 TD (, any) Tj /F29 11.45 Tf -428.64 -28.08 TD (other civil or criminal penalties that may be provided by law) Tj /F29 11.41 Tf 277.68 0.24 TD (, including any other proceedings the) Tj /F29 11.44 Tf -277.68 -27.60 TD (Plaintiff may initiate to enforce this Decree.) Tj /F29 12.05 Tf 0.24 -27.84 TD (II.) Tj /F29 12.08 Tf 34.32 0.24 TD (INJUNCTION) Tj /F29 11.45 Tf 0.00 -26.88 TD (Defendants LTD Financial Services, L.P.) Tj /F28 10.55 Tf 190.32 0.24 TD (, Timothy Feldman) Tj /F28 10.59 Tf 87.84 -.24 TD (, Leonard Pruansky, John) Tj /F29 11.37 Tf -312.24 -27.36 TD (Brewster) Tj /F29 11.54 Tf 41.52 0.24 TD (, and Derrek Davis, as well as their successors and assigns, and their offcers, agents,) Tj /F29 11.48 Tf -41.28 -27.36 TD (servants, employees, and all persons or entities in active concert or ) Tj /F30 7.68 Tf 309.60 0.24 TD (paricipation with any of ) Tj /F29 11.28 Tf 115.20 0.00 TD (them) Tj /F29 11.45 Tf -424.56 -27.36 TD (who receive actual notice of this Decree by personal service or otherwise) Tj /F29 11.34 Tf 335.52 0.24 TD (, whether acting directly) Tj /F29 11.45 Tf -335.76 -27.36 TD (or through any business entity, corporation) Tj /F29 11.35 Tf 197.52 0.24 TD (, subsidiary, division) Tj /F29 11.60 Tf 95.76 0.00 TD (, affliate, or other device) Tj /F29 11.08 Tf 114.96 -.24 TD (, in) Tj /F29 11.48 Tf -408.00 -27.60 TD (connection with acting as a ") Tj /F29 11.58 Tf 133.20 0.24 TD (debt collector) Tj /F29 11.53 Tf 62.64 0.24 TD (" in the collection of a ") Tj /F29 11.59 Tf 110.40 -.24 TD (debt" from a ") Tj /F29 11.30 Tf 66.00 -.24 TD (consumer) Tj /F29 11.27 Tf 47.04 0.24 TD (" as) Tj /F29 11.47 Tf -419.28 -27.60 TD (those terms are defined in Section 803\(6\), \(5\) and \(3\), respectively, of the FDCPA) Tj /F28 10.10 Tf 378.00 -.24 TD (, 15 U.) Tj /F29 11.42 Tf -377.04 -27.36 TD (~ 1692a\(6\), \(5\) and \(3\), are hereby permanently restrained and enjoined from taking the following) Tj /F29 11.19 Tf -.24 -27.36 TD (actions:) Tj /F29 12.48 Tf 179.76 -27.36 TD (Violatine FTC Act) Tj /F29 11.45 Tf -110.88 -27.36 TD (Misrepresenting to consumers) Tj /F29 11.33 Tf 139.20 0.00 TD (, expressly or by implication) Tj /F29 11.06 Tf 130.08 0.00 TD (, that:) Tj /F29 11.68 Tf -235.44 -27.12 TD (Nonpayment of a debt wil result in garnishment of ) Tj /F29 11.37 Tf 239.04 0.24 TD (a consumer) Tj /F29 11.17 Tf 55.92 -.24 TD (s wages;) Tj /F29 11.69 Tf -294.72 -27.36 TD (Nonpayment of a debt wil result in a consumer) Tj /F28 11.02 Tf 223.44 0.24 TD (s propert being ) Tj /F29 11.46 Tf 76.56 -.24 TD (seized or) Tj /F29 12.06 Tf -299.28 -27.36 TD (attched or in a consumer) Tj /F28 10.47 Tf 122.40 0.00 TD (s arest; and) Tj /F29 11.72 Tf -122.64 -27.60 TD (Legal action wil be taken against a ) Tj /F29 11.29 Tf 165.60 0.00 TD (consumer;) Tj /F29 11.43 Tf -199.44 -26.88 TD (Making a misrepresentation to consumers) Tj /F29 11.40 Tf 192.00 -.24 TD (, expressly or by implication) Tj /F28 10.05 Tf 130.56 0.00 TD (, about the) Tj /F29 11.43 Tf -391.68 -27.36 TD (consequences of paying or not paying a debt) Tj /F29 11.32 Tf 204.00 0.24 TD (, in whole or in part;) Tj /F30 8.07 Tf -5.04 -65.28 TD (Page 4 of 21) Tj ET Q endstream endobj xref 1 2 0000101822 00000 n 0000101881 00000 n 24 7 0000101972 00000 n 0000102136 00000 n 0000134854 00000 n 0000102664 00000 n 0000102283 00000 n 0000102410 00000 n 0000102539 00000 n trailer << /Size 31 /Prev 101496 /Root 1 0 R >> startxref 138750 %%EOF % Page Description << /EndOffset 0000179909>> 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 35403 >> stream &!NҙYd; ; FDPvN2"D H3,AF52PaP ظAu( D(A UW?]A0OUS4NjwDU;/ɨw/]Dɑ% eAn* W:>PD* neA'UAo ]%t-vUW'WWKIzM_Wޡw ۮ,zJo…~]]/Z_#~~]iaÝBVN}H!u}_ 3b͈A䀆:^_Ú0a4|zBaiI.a? 0 |.xAM4A+K4馞|.JlWWKCN~DXDXcD.4KIe K#:54GtK4KA:AH7_ &!H7pz H7]'Vm΁4OM5:O$'}N5OM%_m/tJA:_kONh(_}?]}Z6z jJ/_GK}oK}KWK_OW-BzJMGP/??"4S'=K??/m|KKKDO޿z__AO nX_j_/ ߖ+rH=N$}PX{8u_K< ւȳ ^T;!#Gu޿ nG~jG__GZ/]׵VoKV[]ooo_֗KKK]~+KKKJKVm,Zm&)mkIm+_Km}[V]mkհMB:ai}K0L0 % /%Dm'IJ]Q6lm + % 80cئ?bbcbXaLS[/Dz=*ia{[ _ 0a^^ӵ xjAkXk 0a { %Pk ,4L-XRn!u~sC+2Lϼ:VDpfV` %f/DDDDDDDDDDDGᯭJZBJcmx̄Ge8:,JGa3̍Z]C+q;&H34fAFn\!إ@XMSx"U[@[N>|נ^8Ȗq$KA=V꿪[]W_R zəSȈ23DA%٬dTx՚9jo!fS l/jT 4B_Fy ] eXC6`g4dFx 2`ك82v 'ahe0S6 Bg!|$g@S!0@!0) &yqO hȆ~63N'dD.@0L&YB?a0CM>3|A0 El*w`&ixBa h5 haL3D ؆x4ii]LABL&LL! 4AA;i'0a6z.j.kD 4;w~E}kD"vO7X$O4:&''|5x'B! 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"QOկ /P _W oGh^DaڷA} DT2y^szeKko>߾ui_WFoOhj }mG_Vu0KqmS !"a/jH6J V[5_j+MFi&E6lj}լuVba0lRn 6UtMb1A 'A4RGQǴ D<7Ai>h',.4OM5WTH4kb2u _\ L l 0B 0AaLl&Ht-mNa2,. VE¨&mAXDDDD0 ab>02V "#_\; $Y C;4a*iU!hi(N* ?[fava?Hr3O__a)H !NA0 B R ӻ8@A0@D97?DQglad= & < !hh00M0CO!lC`<C ϕ!a3›ƉCD~COL &Dan\ HtM);|jN(Hh N 4[UPB&ô%OGսN/A6 #a:XdW_' H82i; &|=B]?Mi7m}?렛[k_گvOJ&hmjV'kZzoRn[I+ﴝZO ^ +Cou /%V] ^o.J?G#?ni_ M/A3\GQ?׆ K⢿vc*+׿ew~^Okm{a; }zv_0!4_y0|_|0Aoںu;ՆmSYj8j ;VҪuAkL&5IiL'Ah&[A;m4a! $ȰAL05,ղ,&ڰL *5H8U$& A0 0M0L&280A! HA 4 N¦ODDa6$:dB""CQDDt] $;Ii ,*9i92DtID:{!UE`P[E|: K̓'2VWv*Cl< ςTJ w;l$O_i-2޾[~^M''޿ cDS{J?Kc /+M{( io֡W\!@=.8mzXA LRt=,+ih ߋl0A#cfԐDFuP Z吳 endstream endobj 54 0 obj << /Length 4334 >> 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 11.33 Tf 102.96 755.28 TD (Case 4:07 -cv-) Tj /F57 11.17 Tf 74.40 0.00 TD (037 41) Tj /F58 10.48 Tf 50.64 0.24 TD (Document 2) Tj /F57 12.77 Tf 84.72 0.00 TD (Filed 11/05/2007) Tj /F56 11.72 Tf 106.08 0.00 TD (Page 8 of 23) Tj /F57 11.66 Tf -253.44 -74.16 TD (The 鶹ý Trade Commssion enforces the Fair) Tj /F57 11.64 Tf 0.00 -13.68 TD (Debt Collection Practices Act \(FDCPA\). If you) Tj /F57 11.46 Tf 0.24 -13.44 TD (have a complaint about the way we are collecting) Tj /F57 11.36 Tf 0.00 -13.68 TD (your debt) Tj /F57 11.45 Tf 43.92 -.72 TD (, please contact the FTC online at www.) Tj /F57 10.48 Tf 185.04 0.48 TD (ftc.) Tj /F56 10.19 Tf 14.88 0.00 TD (gov ;) Tj /F56 10.29 Tf -243.84 -13.44 TD (by phone at 1-) Tj /F56 10.59 Tf 66.24 0.00 TD (877- FTC-) Tj /F57 11.42 Tf 48.72 0.00 TD (HELP; or by mail at) Tj /F57 11.46 Tf -114.72 -13.44 TD (600 Pennsylvania Ave. NW) Tj /F57 11.41 Tf 128.88 0.24 TD (, Washington, DC 20580.) Tj /F57 11.50 Tf -232.80 -27.84 TD (The above disclosure shall be given in the languages which appear in such communications sent to) Tj /F57 11.40 Tf 0.24 -27.60 TD (consumers.) Tj /F57 11.61 Tf 72.48 -27.12 TD (Defendants LID Financial Services, L.P., Timothy ) Tj /F57 11.40 Tf 237.36 0.24 TD (Feldman, Leonard Pruzansky,) Tj /F56 10.40 Tf -309.60 -27.12 TD (John Brewster) Tj /F57 11.38 Tf 66.72 -.24 TD (, and Derrek Davis) Tj /F57 11.43 Tf 86.88 0.00 TD (, as well as their successors and assigns) Tj /F57 11.71 Tf 181.44 0.00 TD (, and their offcers, agents) Tj /F57 11.43 Tf -335.04 -27.36 TD (servants) Tj /F57 11.47 Tf 38.16 0.00 TD (, employees, and all persons or entities in active concert or participation with any of them) Tj /F57 11.48 Tf -38.16 -27.12 TD (who receive actual notice of this Decree by personal service or otherwise) Tj /F57 11.43 Tf 336.48 -.24 TD (, whether acting directly) Tj /F57 11.47 Tf -336.00 -27.12 TD (or through any business entity, corporation, subsidiary, division) Tj /F57 12.10 Tf 293.28 0.00 TD (, affiiate) Tj /F56 10.44 Tf 41.28 -.24 TD (, or other device, in) Tj /F57 11.54 Tf -334.80 -27.12 TD (connection with acting as a ") Tj /F58 7.57 Tf 133.68 0.00 TD (debt collector) Tj /F57 11.50 Tf 62.88 0.24 TD (" in the collection of a ") Tj /F57 11.59 Tf 110.40 -.24 TD (debt" from a ") Tj /F57 11.25 Tf 66.24 -.24 TD (consumer,) Tj /F57 10.95 Tf 47.76 0.24 TD (" as) Tj /F57 11.50 Tf -420.96 -27.36 TD (those terms are defined in Section 803\(6\), \(5\), and \(3\), respectively, of the FDCPA) Tj /F56 10.57 Tf 381.60 -.24 TD (, 15 U.s.) Tj /F57 11.44 Tf -380.40 -27.36 TD (~ 1692a\(6\), \(5\), and \(3\), shall provide a copy of the following notice to all officers) Tj /F56 9.83 Tf 378.24 -.48 TD (, servants,) Tj /F57 11.48 Tf -378.72 -26.88 TD (agents, and employees having responsibility with respect to the collection of consumer debts) Tj /F58 7.45 Tf -.24 -27.12 TD (within thirt \(30\) days of the date of ) Tj /F56 12.34 Tf 169.92 -.24 TD (entr of ) Tj /F57 11.35 Tf 38.40 0.24 TD (this Decree) Tj /F57 11.45 Tf 52.08 0.00 TD (, and to each employee hired for a period) Tj /F57 11.47 Tf -260.16 -27.60 TD (of five \(5\) years after that date, no later than the time the employee assumes responsibility with) Tj /F57 11.52 Tf 0.00 -27.36 TD (respect to the collection of such debts, and shall secure ) Tj /F58 7.82 Tf 255.60 0.00 TD (ITom each such person, within thirt \(30\)) Tj /F57 11.43 Tf -255.36 -27.12 TD (days of delivery, a signed and dated statement acknowledging receipt of a copy of the notice:) Tj /F57 11.47 Tf 104.16 -27.36 TD (Debt collectors must comply with the federal Fair Debt) Tj /F57 11.51 Tf 0.00 -13.44 TD (Collection Practices Act) Tj /F57 11.43 Tf 112.32 0.00 TD (, which limits our activities in) Tj /F57 13.27 Tf -112.56 -16.08 TD (tring to ) Tj /F57 11.35 Tf 42.00 1.92 TD (collect money from consumers.) Tj /F57 11.43 Tf -41.52 -27.36 TD (Most importantly, Section 805 of the Act says that you) Tj /F57 11.45 Tf -.24 -13.68 TD (may not contact a consumer at work if you know or) Tj /F58 8.23 Tf 49.20 -37.20 TD (Page 8 of 21) Tj ET Q endstream endobj xref 1 2 0000258166 00000 n 0000258225 00000 n 52 7 0000258344 00000 n 0000258508 00000 n 0000299835 00000 n 0000259036 00000 n 0000258655 00000 n 0000258782 00000 n 0000258911 00000 n trailer << /Size 59 /Prev 257839 /Root 1 0 R >> startxref 304235 %%EOF % Page Description << /EndOffset 0000347408>> 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 ] /Count 9 >> endobj 59 0 obj << /Type /Page /Parent 2 0 R /Resources 60 0 R /Contents 61 0 R /Rotate 0 /eCpyResolution 300 /MediaBox [0 0 591.36 768.00 ] >> endobj 60 0 obj << /XObject << /Im62 62 0 R>> /Font << /F63 63 0 R /F64 64 0 R /F65 65 0 R>> /ProcSet [/PDF /Text /ImageB /ImageC ] >> endobj 63 0 obj << /Type /Font /Subtype /Type1 /Name /F63 /BaseFont /Helvetica /Encoding /WinAnsiEncoding >> endobj 64 0 obj << /Type /Font /Subtype /Type1 /Name /F64 /BaseFont /Times-Roman /Encoding /WinAnsiEncoding >> endobj 65 0 obj << /Type /Font /Subtype /Type1 /Name /F65 /BaseFont /Courier /Encoding /WinAnsiEncoding >> endobj 62 0 obj << /Type /XObject /Subtype /Image /Name /Im62 /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 37270 >> stream &!NҙYd; ; FDPvN2"D H3 AF52PaP ظAu( DAa5A0aWAA|0AO§iNjwDU;/ɨw/]DɑD}K'XM l5\>xBmH7 MpJtzJ:Z?ꪯN7=&֯P WWWWEWI^cP׫׭zү]}_FFW}_s"A~hdyl@D=*$5Z}N!C &AAN$^A4_$j:{PCz WW_䣫u<Ώ}WΏsTΌ/Ku}տ[_տV'W_m[u_~_*JҰմK'6֛Im[Zm[J_Vմm[Zl+i6ka8j_a-% %S $ C i|QIaDM%0iZZ X=c)X)_6%&1ULR,{ بb&h5  55;[ ׆Xa5 &i׺a~U 0AՅ&LAQ42.\îHu`Gef ̠VaYb2`"25 XP";AvXF@C;& ӻRmu0TW8pZ'p!*pLE=ug-yS %O""0D5D"O6ʤS:L BLħ L`Iτs&0C1QpF@2`g300(h !MD>B @BAB qdJp ΀ MA04 *,L0!k4 0)i 0B8蓷}V;DⱄF;D։;MQ'i$}0h8k A:6ᦰtAA߄  ᒡv;z'}ipA%m>,;"+d\%a:V~ ꠃӆG dKtdWTj­]}x]:/nwL'I߿亮[i!{[U~ HRCHR{Wiݿ߇J]oҖ#}/?BO_>WaiZQ|x(,o߿_(o}5ڶo뾭=ZK m,߿X߶!*m׵kDd% F/}  kմjiVMvvum+XڰZհ0Mi6q 6*H8icMh7M6bxL&Li7 iv"J Nm'IݴWtNa'm m[Wna'tՠv4 eWZG  0U & &AAk`T e " oq )u,[ R _Ur֐D$piUuUW^6ΣLd6 60XeD՚!<2@+p\$AekOͲTA!"Mϊx0agF`aD8N@ ggN}#:tdx麂MEuok=om/wu)^_'h~^>Wm_~uۥ+ť_vc]_]iu _o+{^Lo_Ka_/_/_}~u_"W_?"Wۿ_/_>?m+_o{Omo~^GNQkm?iiS_[Z^=׏] _L5/!# 0@۩ n^/ը`Kr0@X_mY  Xꘫ qka-$ݧi{Nҽ*mnV4M1aai4Vih&h&u a7 ڻdXM(`݆L _E"iSWl 頝5jWm\i0AV^`]HtP@ʫ0A`!h3:N 0AUDqkKr3Je~QRUAa08 -$vVf;1MBD*;3N*P0L tM0t꿪9H;8pYSdJCNE$MS1O_w?_k t"٨BfB#+A%Օ.2 i٨A 2+!d?0A!\ x`B aBa e9 S!hAA 4C/Bn"86aZi [L& L!i Zia A~5akD-'mv'д7'mvhmhݭZDމD&B 4II"ߑtZ64o-wpAްHL;AAA;a$Ad>:Na/"YNpdy VN?A:NNAA}?~?WL'zW[~oIW_tU]th}~ޗ>}i?WJwIҿ_ijɧ˯&cAa_D߿ /kJ((ئ?(KQׇ((7(kjkjkk׶Jҿҿi6_ᄿVJ=~Jҽ!/i^?mW㐗n }n6B__m}}wjVWk{Mh; _kVnm%MA q4 &m1I7iaZ O i4}a AIjaZ wLvXM'v&µvj0CM4HQB  040A` "HgH iGVTP8t&Za DI݄", -bZN!L^ 0D; "NJ}'N8oDCM'hvia QD  7AAl0R 2S"2S6 yU~oU_}=ֿZ %ݥz_mX`XOmx`&}u{k!/Dz<0@z0GU!q]XJm.իX 6>j lu] Ea80q4 a6aQUM=:AJMSNl \B * 4V"µh0abkM&v0|0T XAeO 0CM0Tg*p0MGj-="j ."""5-,"""""""""F1333M 0A *}Wu:N&}o]_qzxҿ?i}i}Awai L _oJ죿ޟ(ao[K_ᄿkk!4} F}ǔ[I;T!2Wm&:d$v6%}a0MAAlPL bc qa4 ӵ@ڴM&իT aZh; CoT`E a`` 0T": ""!`LCM!2b""""""?-3F@g #" )oFY+p5 LtmT/thJʤh0>J-DM4@4zeuk 꿦:p]5U]ץ껢&L2"֞mBP4d=Fd6O. 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N4a &0L&ac:wD2΢#/fGnD DDDDDm"""#J.AWTRU~ %e3Ү,U+ph?CEB6鰁\Y$&ZhAk8n,Ɉ ":;[yX AXʧaIfHȆvN!(`ev$Ɉ*64( & `L*axdNdLaS"kph0(Ti0w@?.Al5Wpai铣 %T;> %]ޙ:>x;'6U>oo~U}Wy616ΙhGR6B"|C2] LDFTdSUs*O6ίܤ?;8tC ?0@4A20@ϙ a4CM0i hyh h D/B ?ˊCSfslȈ8g32rJB'yCʆj#f O 3N'!`τ:>i4'AZwaA-Za?LA&{&A| f ff\@ d AA L ktM蓽z&4Iމ;*&]'j&Q'z&Dj§ai 7TA2eHIA66 ނ &^0:7 7Qw_duTD {_d&n֨8oQ'h'm5.^=Mm ￤Jx"ddxpȣ2>:W`:zKpH#7(ӽMl1:7! mL@)A"n}m Я_O![_}~ v7ҽ>Fﰜ>I_~_"Fz=t?o뭴Io~Nꟾbq4CXcޗǽ|{\{?:}~%?\?J_[bt}_Թ:߯13R OL?GKK]a /R\Qo뿽m_ՇybM?[+{}&R`W&o#UJ=0a}ޕ_wkڷ6z^[ooJGee}#(L7^Kv)⾿K7붭ׯeoײiGvQG eevJմ[]m+kv6kMmVׯIuVתC X^JH.0Y}.[IWK_v}[bJr:߄ۮ6>cn< Xl"?C Y;K֯KkZkJ[nAM 껰 P*+ &Zm}5m_kM4!#C{ۮ>ۮBGfbmiI֬a6 mE4am_ )' lS^Pii> 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 11.33 Tf 102.96 755.28 TD (Case 4:07 -cv-) Tj /F64 11.17 Tf 74.40 0.00 TD (037 41) Tj /F65 10.48 Tf 50.64 0.24 TD (Document 2) Tj /F64 12.77 Tf 84.72 0.00 TD (Filed 11/05/2007) Tj /F63 11.72 Tf 106.08 0.00 TD (Page 9 of 23) Tj /F64 11.55 Tf -255.84 -74.40 TD (should know it is inconvenient for the consumer) Tj /F64 11.36 Tf 223.20 -.24 TD (, and) Tj /F64 11.52 Tf -223.44 -13.44 TD (that you may not communicate with any ) Tj /F63 11.12 Tf 188.40 -.24 TD (peron other) Tj /F64 11.54 Tf -188.40 -13.44 TD (than the consumer in connection with the collection of a) Tj /F64 11.43 Tf 0.48 -13.92 TD (debt) Tj /F64 11.49 Tf 20.16 0.24 TD (, for any purpose other than to obtain location) Tj /F64 11.47 Tf -20.16 -13.68 TD (information about the consumer.) Tj /F64 11.47 Tf 0.48 -27.12 TD (Section 806 of the Act states that you may not engage in) Tj /F64 11.50 Tf -.24 -13.68 TD (any conduct the natural consequence of which is to) Tj /F64 11.62 Tf -.24 -13.44 TD (harass) Tj /F63 9.74 Tf 30.00 0.00 TD (, oppress) Tj /F64 11.42 Tf 41.04 0.00 TD (, or abuse any person in connection with) Tj /F64 11.47 Tf -70.80 -13.68 TD (the collection of a debt.) Tj /F64 11.45 Tf 0.24 -27.36 TD (In addition) Tj /F64 11.47 Tf 50.64 0.00 TD (, Section 807 of the Act prohibits you from) Tj /F64 11.47 Tf -50.88 -13.68 TD (representing or implying that any action) Tj /F64 11.35 Tf 184.32 0.00 TD (, including legal) Tj /F64 11.39 Tf -184.08 -13.68 TD (action) Tj /F64 11.79 Tf 28.56 0.24 TD (, wil be taken unless at the ) Tj /F64 11.52 Tf 127.68 0.00 TD (time of the) Tj /F64 11.53 Tf -156.24 -13.68 TD (representation) Tj /F64 11.44 Tf 66.24 -.24 TD (, such action is lawful and there is a clear) Tj /F64 12.20 Tf -66.00 -13.44 TD (intent to take such action. Furter) Tj /F64 11.47 Tf 157.92 -.24 TD (, Section 807 of the) Tj /F64 11.52 Tf -157.92 -13.44 TD (Act prohibits the use of any false representation or) Tj /F64 11.48 Tf 0.24 -13.92 TD (deceptive means to collect or attempt to collect any debt) Tj /F64 11.49 Tf 0.00 -13.68 TD (or to obtain information concerning a consumer.) Tj /F64 12.20 Tf 0.00 -27.60 TD (Individual debt collectors may be financially liable) Tj /F65 7.54 Tf 0.00 -13.44 TD (for their violations of the Act.) Tj /F64 11.40 Tf -103.20 -27.36 TD (IV.) Tj /F65 11.45 Tf 34.32 0.24 TD (DISTRIBUTION OF CONSENT DECREE AND FDCP ) Tj /F64 11.73 Tf 274.80 -.24 TD (A BY DEFENDANTS) Tj /F64 11.49 Tf -274.80 -26.88 TD (For a period of three \(3\) years from the date of ) Tj /F63 12.34 Tf 217.20 -.24 TD (entr of ) Tj /F64 11.40 Tf 38.40 0.24 TD (this Decree) Tj /F64 11.29 Tf 52.32 -.24 TD (, Defendants LTD) Tj /F65 7.52 Tf -342.24 -27.12 TD (Financial Services, L.P.) Tj /F63 10.64 Tf 109.44 0.00 TD (, Timothy Feldman, Leonard Pruansky, John Brewster) Tj /F64 11.16 Tf 254.88 -.48 TD (, and ) Tj /F65 9.24 Tf 24.48 0.00 TD (Derrk Davis) Tj /F64 11.45 Tf -388.32 -26.88 TD (shall deliver copies of this Decree and the FDCPA as directed below:) Tj /F64 12.04 Tf 69.12 -27.84 TD (LTD Financial Services, L.P.) Tj /F63 10.44 Tf 142.32 0.00 TD (: Defendant L TD Financial Services, L.P. must deliver) Tj /F64 11.39 Tf -211.44 -27.36 TD (copies of this Decree and the FDCP A to all of its principals, officers, directors, and managers.) Tj /F64 11.48 Tf 0.00 -27.60 TD (Defendant LTD Financial Services, L.P. also must deliver copies ofthis Decree and the FDCP ) Tj /F64 11.25 Tf 433.92 -.24 TD (A to) Tj /F64 11.47 Tf -433.68 -27.12 TD (all of its employees, agents, and representatives who engage in conduct related to the subject matter) Tj /F63 10.58 Tf -.24 -27.36 TD (of this Decree. 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Tj /F71 12.20 Tf 69.60 -27.60 TD (Defendants Timothy Feldman) Tj /F70 11.18 Tf 147.12 0.24 TD (, Leonard Pruzansky, John Brewster) Tj /F71 12.56 Tf 180.72 0.00 TD (, and Derrek) Tj /F72 8.35 Tf -396.96 -28.08 TD (Davis as employees or non-control persons: For any ) Tj /F71 11.47 Tf 255.36 0.24 TD (business where Defendant Timothy) Tj /F71 11.52 Tf -255.36 -27.84 TD (Feldman) Tj /F70 10.30 Tf 40.80 0.00 TD (, Leonard Pruzansky, John Brewster) Tj /F71 11.62 Tf 166.56 0.24 TD (, or Derek Davis is not a controlling person of that) Tj /F71 11.66 Tf -207.36 -27.60 TD (business but otherwse engages in conduct as a ") Tj /F71 11.36 Tf 223.68 0.24 TD (debt collector) Tj /F71 11.58 Tf 62.40 0.00 TD (" in the collection of a ") Tj /F71 11.43 Tf 110.88 0.00 TD (debt" from a) Tj /F71 11.48 Tf -391.44 -27.36 TD (consumer) Tj /F71 11.45 Tf 48.00 0.00 TD (" as those terms are defined in Section 803\(6\), \(5\), and \(3\), respectively, of the FDCPA) Tj /F71 10.86 Tf -51.84 -27.60 TD (15 U.S.) Tj /F72 7.38 Tf 33.84 0.24 TD (c. ~ 1692a\(6\), \(5\), ) Tj /F71 11.46 Tf 88.56 0.24 TD (and \(3\), such Defendant must deliver copies of this Decree and the) Tj /F71 11.38 Tf -123.60 -27.60 TD (FDCP A to all principals and managers of such business before engaging in such conduct.) Tj /F71 11.64 Tf 69.36 -27.36 TD (Defendants LID Financial Services) Tj /F70 10.07 Tf 164.40 0.00 TD (, L.P.) 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Z ڰtOcMBCN%9 R,hjJI;ئ) +MA+ &#EtA4bbO]OIm]E&MtU -\&Va8` + &+*|0AFӬ0l4 MEtiէ+ W I;: MDH6"""""#cAai >0A a. a &M00Atĝ """""")x`Dӈ8Ј#-s.TRTJXaLЄ1LWjƪ(AU `Qgiq"%̄dFxѝFB= hy+"!ijMpm>BL/0_}J:'.,щbAIÆ\s}#cM>v; :]u LI2/ԑ =Ԝ28ᕴ+<`ɈOtN$N `_77E᧧.wO0A7MIv}"(J&= ȣm;"ۧ[ 4/]u7o]^]ktS]5(C tӍ[>7n^z{x:*u> L6_]* /'Ppu˫ a__/ /F?_o% j^Q_}J _ (b_(629??(~l_Kc_u7M~+/( }u/kiVk豯}m~Wa;ײ>_^O{k /gu봸ac cczc?k!_i⪓?0C]v VGbN_Mi'F5a+ 7 %QM &P i6$4 1ǬA|CӍ;[N> stream q q 591.36 0.00 0.00 768.00 0.00 0.00 cm 0.00 0.00 0.00 rg /Im90 Do Q Q q BT 3 Tr /F91 11.33 Tf 99.60 755.28 TD (Case 4:07 -cv-) Tj /F92 11.17 Tf 74.40 0.00 TD (037 41) Tj /F93 10.48 Tf 50.64 0.24 TD (Document 2) Tj /F92 12.77 Tf 84.72 0.00 TD (Filed 11/05/2007) Tj /F91 11.75 Tf 106.08 0.00 TD (Page 13 of 23) Tj /F92 11.41 Tf -215.52 -69.12 TD (Any changes in residence) Tj /F92 11.35 Tf 117.84 0.00 TD (, mailing addresses) Tj /F92 11.42 Tf 87.60 0.00 TD (, and telephone numbers) Tj /F92 11.44 Tf -205.20 -27.12 TD (of such Defendant within ten \(10\) days of the date of such change;) Tj /F92 11.52 Tf 0.00 -27.36 TD (Any changes in employment status \(including self-employment\) of) Tj /F92 11.41 Tf 0.48 -27.36 TD (such Defendant) Tj /F92 11.36 Tf 72.00 0.24 TD (, and any change in such Defendant') Tj /F92 11.62 Tf 167.04 -.24 TD (s ownership of) Tj /F92 11.42 Tf -238.80 -27.12 TD (any business entity, within ten \(10\) days of the date of such change.) Tj /F92 11.48 Tf 0.00 -27.36 TD (Such notice shall include the name and address of each business that) Tj /F92 11.71 Tf 0.00 -27.12 TD (such Defendant is affiiated with) Tj /F92 11.36 Tf 150.24 -.24 TD (, employed by, creates or forms) Tj /F91 10.47 Tf 144.24 0.00 TD (, or) Tj /F92 11.50 Tf -294.72 -27.12 TD (performs services for; a statement of the nature of the business; and a) Tj /F91 10.26 Tf 0.48 -27.12 TD (statement of such Defendant') Tj /F92 11.53 Tf 134.64 0.00 TD (s duties and responsibilities in) Tj /F92 11.42 Tf -134.64 -26.88 TD (connection with the business or employment;) Tj /F92 11.37 Tf 0.00 -27.84 TD (Any changes in such Defendant') Tj /F92 11.46 Tf 149.52 0.24 TD (s name or use of any aliases or) Tj /F92 11.44 Tf -149.28 -27.84 TD (fictitious names; and) Tj /F92 11.35 Tf -35.04 -27.12 TD (Defendants L TD Financial Services, L.P., Timothy Feldman) Tj /F91 10.22 Tf 278.40 0.00 TD (, Leonard) Tj /F92 11.52 Tf -278.16 -27.12 TD (Pruzansky, John Brewster) Tj /F91 10.80 Tf 120.48 0.00 TD (, and Derek Davis shall notify the Commission of) Tj /F92 11.36 Tf -120.24 -27.36 TD (any changes in cOIporate structure of Defendant LTD Financial Services) Tj /F91 9.97 Tf 333.36 0.00 TD (, L.P.) Tj /F92 11.42 Tf -333.60 -27.60 TD (or any business entity that Defendants Timothy Feldman) Tj /F92 11.33 Tf 260.16 0.24 TD (, Leonard Pruzansky,) Tj /F91 10.49 Tf -260.16 -27.36 TD (John Brewster, or Derrek Davis controls) Tj /F92 11.45 Tf 186.48 -.24 TD (, or has an ownership interest in) Tj /F91 10.15 Tf 146.64 0.24 TD (, that) Tj /F92 11.59 Tf -332.88 -27.12 TD (may affect compliance obligations arsing under this Decree) Tj /F92 11.38 Tf 276.72 -.24 TD (, including, but) Tj /F91 10.92 Tf -276.72 -27.36 TD (not limited to) Tj /F92 11.39 Tf 62.64 0.00 TD (, a dissolution) Tj /F91 9.99 Tf 64.32 0.00 TD (, assignment) Tj /F92 11.40 Tf 57.36 -.24 TD (, sale, merger) Tj /F91 10.39 Tf 61.92 0.24 TD (, or other action that) Tj /F92 11.49 Tf -246.24 -27.60 TD (would result in the emergence of a successor entity; the creation or) Tj /F92 11.50 Tf 0.24 -27.36 TD (dissolution of a subsidiary, parent) Tj /F92 11.22 Tf 156.24 0.00 TD (, or ) Tj /F93 7.45 Tf 17.76 0.00 TD (afliate that ) Tj /F92 11.44 Tf 58.08 0.00 TD (engages in any acts or) Tj /F92 11.73 Tf -232.08 -27.12 TD (practices subject to this Decree; the fiing ) Tj /F92 10.94 Tf 194.40 -.24 TD (of a ) Tj /F92 16.09 Tf 19.44 0.00 TD (banptcy ) Tj /F92 11.41 Tf 54.96 0.24 TD (petition; or a) Tj /F91 10.44 Tf -174.00 -42.00 TD (Page 13 of 21) Tj ET Q endstream endobj xref 1 2 0000470138 00000 n 0000470197 00000 n 87 7 0000470354 00000 n 0000470518 00000 n 0000503664 00000 n 0000471046 00000 n 0000470665 00000 n 0000470792 00000 n 0000470921 00000 n trailer << /Size 94 /Prev 469811 /Root 1 0 R >> startxref 507401 %%EOF % Page Description << /EndOffset 0000543487>> 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 73 0 R 80 0 R 87 0 R 94 0 R ] /Count 14 >> endobj 94 0 obj << /Type /Page /Parent 2 0 R /Resources 95 0 R /Contents 96 0 R /Rotate 0 /eCpyResolution 300 /MediaBox [0 0 591.36 768.00 ] >> endobj 95 0 obj << /XObject << /Im97 97 0 R>> /Font << /F98 98 0 R /F99 99 0 R /F100 100 0 R>> /ProcSet [/PDF /Text /ImageB /ImageC ] >> endobj 98 0 obj << /Type /Font /Subtype /Type1 /Name /F98 /BaseFont /Helvetica /Encoding /WinAnsiEncoding >> endobj 99 0 obj << /Type /Font /Subtype /Type1 /Name /F99 /BaseFont /Times-Roman /Encoding /WinAnsiEncoding >> endobj 100 0 obj << /Type /Font /Subtype /Type1 /Name /F100 /BaseFont /Courier /Encoding /WinAnsiEncoding >> endobj 97 0 obj << /Type /XObject /Subtype /Image /Name /Im97 /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 30601 >> stream &aNҙYd; ; FDPvN2"D H3M qHP  B ΠEA@( 8AA > ᪨A==4l*ꪞkDZ5D]Dɝ}WD.]Ȫɗ%K&ʃ6TtA}V6T&ʃT7M7ޓnZB/W]]]_z+֒,x] ut*,^DoW/Do_W!:5ȐC!)!f>!!!_ʃ buֽ5aWYh H'k\/l a+A\/K +]4_WI/ zi]+ѳ]]/M 8ZGcc%Ļp,q'e/,h8@ֿDx,c։c4:_<'H6IK A zn/_tzZAR:N?o^t zo鮞_K$=>}N5OM%_m/tJA:_kONzzP]K~~mkK^%ޗP{C|%_֯_׃OA/׫Dl!C[׽W&_'X0Ɨu'_ڥb_K&+_%D"^H/"}'h7,[Kj?RvI0_uǵ_/_IKyê_yKg[|א_o_ *]O7s_tUs/U/ust_kk:kM[[^ i{ik֕%uuY9LSjjVj׫a[K_mlt V l0a(a/a&J_KJ(O 0 l%a/aKa-QᄬTK1{/Sbئ)x=AUӴMa5kaxkP ,0^Xi4k 0Pa*^Xaaaj“pF Yrg.}$:B#2fPi+0׈׏]WU:ع;5sft&)Ȇ))*ɁH4v$DfSTQ&RPh2@8D̈X` .$3:ƃ:O c5ᓡ)<-'dG_^ =~Oպջu'hw>oAzm/ׄլ"MC_kuxI{i-]ӷmAwm^uzzxzuzV_wk*UJ kUw_v1׵?wTOkI/?M_ AQ' ]W- i_?:tLo֓> ezK?o'kD0/_OUҤ$ֿ_'J? jXZK_7 _TI_ݥU_O]_(a>|THF ??_euKVQvOK_eQ 죲G _յM~q-kauXa(e~]ַ[ڷku]cM0tLlru[\}~Η3~X(]GTni\ukkT [ujuV6?wąLm׫uq!Ui0g L'_N6kتL-Z ,S ,5iWL V8t kML . 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NA&D pPxDPC@ P^<4Mܛ?:@}{dsi "Q͠A6:nS$()O[[W%DJ~Zz/MyH?|Րo}tK}h&Jd/뾗_[}__|qD}LYtV"'I jw/_xOw_|?š@H#">Y8Bp Ne@gVC͌'fl!x9f! gS@2]."&tda |vB%`ifށ>0A,dPM84p]S*i0 0T\!Dl&A柎Aj3TN(rvд w?D݄J fBDߺ ӆxL&k咽xp*ku=6qݗΪ⁺m9ۿ@<`/ l"P۹ D rT.޺I60]4Aw0RpH!#{zGp8鴴O*Gn2%i[m'l2%ΓȰxҶ0_a馽yo_l#TM _='aE_?}߷_ᵑzOM< umS_mӫ-/ Z ޅҧC??_m]}u&o׺zv?ƽ_}ŎK޷[Kl=~ /^[oۯb}o*~âu1_]B?oK~GO  ޿ uADooD߿߯t_Z%o O}/߿ uU_^?>{ul?/Il"B7!0L}/W_]zv"GR}z-%]a>ޛ i_u[_uuݯjNn+JM_v~{PՅﰶ>kT5a ]{ka/Kam$duѝj}XAkKvkvڷWVkuz;b?6X@bCl+uZ0Ta5@H]l0V>=uPmզ)4ӵwQ b{a(4i[I4=ubaZ5`͎` S`͎Ac8㰘IӈL'a'Tj8W":ATTTN2 xM6 ;h&a07b VM7ub'aCW]Ba|Xh0MB'7d aVL) [ A&Dujp axa5p&6ۄ 6-v ""2c"&#Ј` & `D dkhMZ !v d"p&B;L*& ЊXb"""""""""""' D[lDDDDDA y'^vKK/WZZZIo'QQU ]l,%!-9l-pdE-S@„D݂ -ҧMa-JH5ocE]i_c(DAyfψgQ]i}$%tLh}ۥI>{իz?/i^ 1o߯(Z_.K___uz~)#i6x%0G?q1ÆAH'H6}²#iY-+ڕD1F qY*µ-eR[^?  endstream endobj 110 0 obj << /Length 4389 >> stream q q 591.36 0.00 0.00 768.00 0.00 0.00 cm 0.00 0.00 0.00 rg /Im111 Do Q Q q BT 3 Tr /F112 11.33 Tf 99.60 755.28 TD (Case 4:07 -cv-) Tj /F113 11.17 Tf 74.40 0.00 TD (037 41) Tj /F114 10.48 Tf 50.64 0.24 TD (Document 2) Tj /F113 12.77 Tf 84.72 0.00 TD (Filed 11/05/2007) Tj /F112 11.75 Tf 106.08 0.00 TD (Page 16 of 23) Tj /F113 11.44 Tf -354.72 -69.84 TD (John Brewster) Tj /F113 11.49 Tf 66.24 0.00 TD (, and Derrek Davis each shall submit additional ) Tj /F113 12.04 Tf 221.04 0.00 TD (wrtten reports) Tj /F113 11.49 Tf 68.16 0.00 TD (, sworn to under) Tj /F113 11.49 Tf -355.20 -27.12 TD (penalty of perjury; produce documents for inspection and copying; appear for deposition; and/or) Tj /F113 11.48 Tf 0.00 -26.88 TD (provide ) Tj /F114 8.07 Tf 37.92 -.24 TD (entr during normal business hours ) Tj /F113 11.45 Tf 164.64 0.24 TD (to any business location in such Defendant') Tj /F113 11.47 Tf 201.12 0.00 TD (s possession) Tj /F113 11.46 Tf -403.20 -27.12 TD (or direct or indirect control to inspect the business operation;) Tj /F113 11.40 Tf 68.88 -27.84 TD (In addition) Tj /F113 11.50 Tf 50.64 0.24 TD (, the Commission is authorized to monitor compliance with this Decree by) Tj /F113 11.36 Tf -119.28 -27.36 TD (all other lawful means) Tj /F113 11.49 Tf 102.00 0.24 TD (, including, but not limited to) Tj /F113 11.18 Tf 135.12 0.00 TD (, the following:) Tj /F113 11.41 Tf -133.68 -27.60 TD (Obtaining discovery from any person) Tj /F113 11.54 Tf 170.88 0.24 TD (, without ) Tj /F113 12.67 Tf 43.92 -.24 TD (furter leave of cour) Tj /F113 11.16 Tf 98.16 0.00 TD (, using) Tj /F113 11.48 Tf -313.20 -27.12 TD (the procedures prescribed by Fed. R. Civ. P. 30) Tj /F113 10.24 Tf 218.40 -.24 TD (, 31) Tj /F112 9.99 Tf 69.12 0.00 TD (, and 45;) Tj /F113 11.49 Tf -287.04 -27.36 TD (Posing as consumers and suppliers to: Defendants LTD Financial Services) Tj /F113 11.37 Tf 0.00 -27.12 TD (L.P.) Tj /F113 11.37 Tf 20.16 0.00 TD (, Timothy Feldman, Leonard ) Tj /F114 8.68 Tf 133.92 0.24 TD (pruansky, John Brewster) Tj /F113 11.34 Tf 120.24 -.24 TD (, or Derrek Davis) Tj /F113 11.47 Tf -274.32 -27.12 TD (their employees) Tj /F113 11.44 Tf 73.68 -.24 TD (, or any other entity managed or controlled in whole or in ) Tj /F113 14.10 Tf 265.20 0.24 TD (par) Tj /F113 11.32 Tf -338.64 -27.36 TD (by LTD Financial Services, L.P.) Tj /F113 11.38 Tf 148.56 0.00 TD (, Timothy Feldman) Tj /F112 10.16 Tf 88.32 -.24 TD (, Leonard Pruzansky,) Tj /F113 11.57 Tf -236.88 -27.36 TD (John Brewster) Tj /F113 11.38 Tf 66.72 0.00 TD (, or Derrek Davis) Tj /F113 11.45 Tf 79.92 0.24 TD (, without the necessity of identification or) Tj /F113 11.44 Tf -146.40 -27.60 TD (prior notice; and) Tj /F113 11.63 Tf -34.32 -27.36 TD (Defendants LID Financial Services) Tj /F112 10.07 Tf 164.40 0.00 TD (, L.P.) Tj /F113 11.45 Tf 24.48 0.00 TD (, Timothy Feldman) Tj /F113 11.38 Tf 88.56 -.24 TD (, Leonard Pruzansky,) Tj /F113 11.44 Tf -346.32 -26.88 TD (John Brewster) Tj /F113 11.44 Tf 66.24 -.24 TD (, and Derrek Davis shall ) Tj /F113 12.73 Tf 113.76 -.24 TD (permt ) Tj /F113 11.50 Tf 32.88 0.24 TD (representatives of the Commission to interview any) Tj /F113 11.31 Tf -212.64 -27.36 TD (employer) Tj /F112 10.33 Tf 42.96 0.24 TD (, consultant) Tj /F113 11.42 Tf 53.28 0.00 TD (, independent contractor) Tj /F113 11.38 Tf 111.12 0.00 TD (, representative, agent) Tj /F113 11.42 Tf 100.56 -.24 TD (, or employee who has agreed to) Tj /F113 11.40 Tf -307.92 -27.12 TD (such an interview) Tj /F113 11.63 Tf 81.12 0.00 TD (, relating in anyway to any conduct subject to this Decree. The person) Tj /F113 11.38 Tf -80.88 -27.36 TD (interviewed may have counsel present.) Tj /F113 11.57 Tf 33.84 -27.36 TD (Provided, however) Tj /F113 11.50 Tf 92.88 0.24 TD (that nothing in this Decree shall limit the Commission) Tj /F113 11.67 Tf 253.44 -.24 TD (s lawful use of) Tj /F113 11.35 Tf -379.92 -27.36 TD (compulsory process) Tj /F113 11.44 Tf 91.44 0.00 TD (, pursuant to Sections 9 and 20 of the FTC Act) Tj /F112 10.35 Tf 213.84 -.24 TD (, 15 D.) 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FHh ڿTTTTTTTTTTTTTTTTQE!lzΪ:@ց$;(Kt(KʒH;"eIw(,V{t#a]t#NvЍAHn$,rx\%, (ټT={mI~+GA^a9K˯9^[9Qg/W<{{HWQ_?=s<& 'ۈ yNLƤ .Nnot'2e0tez endstream endobj 1721 0 obj <>stream H\0E/"fHb V>8T(W؎|c&1 gv}3pB4x 4]oZYosv0]Lyz7/.N_g6˿OMb^~7^c?+d_F?# `Fxlgvžo̹՛mONlx%xU`KU (( J*JO jgAP!hQ@P>@@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>UͦlWrQYC:PceI8 *ʒ𲃲$ҎH@YeUxn$ n$(ЍD Fb+\¢+U߳ _V,roKGJR#%a/{%{k9y){yUγ_Ѻg/xz%3'crpp=SOS^2ehqJu}|NqyʤO}`1\b/ endstream endobj 1722 0 obj <>stream H\0E3_gX.ŴUΞ!MRi2}"WF'˟_}74cMm ќ38ta^IK=fy:||rvY3-^<|o܅}4Mlĩ~xǷxl~Yx~o%\Ir04:!Nuڽٵ>}ߚ)6˙S7'f#p l6 <<)%*P A' ' (4 D@K ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( (*Jfs+(s T!l(K⾃$MN$,,#PDzGA@YUޣ  g7n$, t#vx=F~u6(bJll׶y[uR.`/k{I8,G˯@^~-GɞZN^^^rK"^^G ̉r.~*ܦ)/28>~LqyʤO}+7dL endstream endobj 1723 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$,rx\%, (ټT={mI~+GA^a9K˯9^[9Qg/W<{{HWQ_?=s<& 'ۈ yNLƤ .Nnot'2e0tez endstream endobj 1724 0 obj <>stream H\0E/"fHb V>8T(W؎|c&1 gv}3pB4x 4]oZYosv0]Lyz7/.N_g6˿OMb^~7^c?+d_F?# `Fxlgvžo̹՛mONlx%xU`KU (( J*JO jgAP!hQ@P>@@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>UͦlWrQYC:PceI8 *ʒ𲃲$ҎH@YeUxn$ n$(ЍD Fb+\¢+U߳ _V,roKGJR#%a/{%{k9y){yUγ_Ѻg/xz%3'crpp=SOS^2ehqJu}|NqyʤO}`1\b/ endstream endobj 1725 0 obj <>stream H\0E3_gX.ŴUΞ!MRi2}"WF'˟_}74cMm ќ38ta^IK=fy:||rvY3-^<|o܅}4Mlĩ~xǷxl~Yx~o%\Ir04:!Nuڽٵ>}ߚ)6˙S7'f#p l6 <<)%*P A' ' (4 D@K ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( (*Jfs+(s T!l(K⾃$MN$,,#PDzGA@YUޣ  g7n$, t#vx=F~u6(bJll׶y[uR.`/k{I8,G˯@^~-GɞZN^^^rK"^^G ̉r.~*ܦ)/28>~LqyʤO}+7dL endstream endobj 1726 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$,rx\%, (ټT={mI~+GA^a9K˯9^[9Qg/W<{{HWQ_?=s<& 'ۈ yNLƤ .Nnot'2e0tez endstream endobj 1727 0 obj <>stream H\0E/"fHb V>8T(W؎|c&1 gv}3pB4x 4]oZYosv0]Lyz7/.N_g6˿OMb^~7^c?+d_F?# `Fxlgvžo̹՛mONlx%xU`KU (( J*JO jgAP!hQ@P>@@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>UͦlWrQYC:PceI8 *ʒ𲃲$ҎH@YeUxn$ n$(ЍD Fb+\¢+U߳ _V,roKGJR#%a/{%{k9y){yUγ_Ѻg/xz%3'crpp=SOS^2ehqJu}|NqyʤO}`1\b/ endstream endobj 1728 0 obj <>stream H\0E3_gX.ŴUΞ!MRi2}"WF'˟_}74cMm ќ38ta^IK=fy:||rvY3-^<|o܅}4Mlĩ~xǷxl~Yx~o%\Ir04:!Nuڽٵ>}ߚ)6˙S7'f#p l6 <<)%*P A' ' (4 D@K ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( (*Jfs+(s T!l(K⾃$MN$,,#PDzGA@YUޣ  g7n$, t#vx=F~u6(bJll׶y[uR.`/k{I8,G˯@^~-GɞZN^^^rK"^^G ̉r.~*ܦ)/28>~LqyʤO}+7dL endstream endobj 1729 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$,rx\%, (ټT={mI~+GA^a9K˯9^[9Qg/W<{{HWQ_?=s<& 'ۈ yNLƤ .Nnot'2e0tez endstream endobj 1730 0 obj <>stream H\0E/"fHb V>8T(W؎|c&1 gv}3pB4x 4]oZYosv0]Lyz7/.N_g6˿OMb^~7^c?+d_F?# `Fxlgvžo̹՛mONlx%xU`KU (( J*JO jgAP!hQ@P>@@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>UͦlWrQYC:PceI8 *ʒ𲃲$ҎH@YeUxn$ n$(ЍD Fb+\¢+U߳ _V,roKGJR#%a/{%{k9y){yUγ_Ѻg/xz%3'crpp=SOS^2ehqJu}|NqyʤO}`1\b/ endstream endobj 1731 0 obj <>stream H\0E3_gX.ŴUΞ!MRi2}"WF'˟_}74cMm ќ38ta^IK=fy:||rvY3-^<|o܅}4Mlĩ~xǷxl~Yx~o%\Ir04:!Nuڽٵ>}ߚ)6˙S7'f#p l6 <<)%*P A' ' (4 D@K ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( (*Jfs+(s T!l(K⾃$MN$,,#PDzGA@YUޣ  g7n$, t#vx=F~u6(bJll׶y[uR.`/k{I8,G˯@^~-GɞZN^^^rK"^^G ̉r.~*ܦ)/28>~LqyʤO}+7dL endstream endobj 1732 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$(ЍD Fb+\¢+U߳ _V,roKGJR#%a/{%{k9y){yUγ_Ѻg/xz%3'crpp=SOS^2ehqJu}|NqyʤO}`1\b/ endstream endobj 1734 0 obj <>stream H\0E3_gX.ŴUΞ!MRi2}"WF'˟_}74cMm ќ38ta^IK=fy:||rvY3-^<|o܅}4Mlĩ~xǷxl~Yx~o%\Ir04:!Nuڽٵ>}ߚ)6˙S7'f#p l6 <<)%*P A' ' (4 D@K ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( (*Jfs+(s T!l(K⾃$MN$,,#PDzGA@YUޣ  g7n$, t#vx=F~u6(bJll׶y[uR.`/k{I8,G˯@^~-GɞZN^^^rK"^^G ̉r.~*ܦ)/28>~LqyʤO}+7dL endstream endobj 1735 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$,rx\%, (ټT={mI~+GA^a9K˯9^[9Qg/W<{{HWQ_?=s<& 'ۈ yNLƤ .Nnot'2e0tez endstream endobj 1736 0 obj <>stream H\0E/"fHb V>8T(W؎|c&1 gv}3pB4x 4]oZYosv0]Lyz7/.N_g6˿OMb^~7^c?+d_F?# `Fxlgvžo̹՛mOP86^ ^l( JRRxjZ3Y@h"AT%hPPPPPPPPPPPPPPPPGh9ە\pֹ*p%AYΦ '@Y^vPD (K" \QэuAvЍA7H;<HXlt#:KXQy{6V6kۊEZ<{:r~)H _5r$#r `/d^~-'/e/yk9Z%^~zDyLNx iJKƣ -N :#OɲO tb endstream endobj 1737 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$, t#vx=F~u6(bJll׶y[uR.`/k{I8,G˯@^~-GɞZN^^^rK"^^G ̉r.~*ܦ)/28>~LqyʤO}+7dL endstream endobj 1738 0 obj <>stream H\͎0 gn&mĘż}}.dzEg|n||1bnhxsݐ M24,Ie~5t}}zzh?&Ymn ״6xOa1V.<uMϻd coS\טUMն,k[\Zy;6@S`GSI=^AP$(^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 1739 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$(ЍD Fb+\¢+U߳ _V,roKGJR#%a/{%{k9y){yUγ_Ѻg/xz%3'crpp=SOS^2ehqJu}|NqyʤO}`1\b/ endstream endobj 1740 0 obj <>stream H\0E3_gX.ŴUΞ!MRi2}"WF'˟_}74cMm ќ38ta^IK=fy:||rvY3-^<|o܅}4Mlĩ~xǷxl~Yx~o%\Ir04:!Nuڽٵ>}ߚ)6˙S7'f#p l6 <<)%*P A' ' (4 D@K ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( (*Jfs+(s T!l(K⾃$MN$,,#PDzGA@YUޣ  g7n$, t#vx=F~u6(bJll׶y[uR.`/k{I8,G˯@^~-GɞZN^^^rK"^^G ̉r.~*ܦ)/28>~LqyʤO}+7dL endstream endobj 1741 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\0ESu3 XBlMVM=Mrb~|&}"WF'+qXT#N>= XQ~pKn\i'4E3-ޗ^ C_gC_ߣq1-Lv]8~T|/(E5}\x Euo0g.ܜOM SmvxމT5@-t  9 @ $|TAPAA $|TAPAA $|TAPAA **֦sTX0ژj0sű,Ӆ,Mw@G #Yuܣmwn84 Gځr 7|خ*Ѽ-[-ܶ@QAE/GPή)k9GЋzl.Ges9Hes9~)zYQ΢`ݢGz'~  4rӰi3 Cis`ӌS*}Ӈn] endstream endobj 1743 0 obj <>stream H\0E3_gX.ŴUΞ!MRi2}"WF'˟_}74cMm ќ38ta^IK=fy:||rvY3-^<|o܅}4Mlĩ~xǷxl~Yx~o%\Ir04:!Nuڽٵ>}ߚ)6˙S7'f#p l6 <<)%*P A' ' (4 D@K ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( (*Jfs+(s T!l(K⾃$MN$,,#PDzGA@YUޣ  g7n$, t#vx=F~u6(bJll׶y[uR.`/k{I8,G˯@^~-GɞZN^^^rK"^^G ̉r.~*ܦ)/28>~LqyʤO}+7dL endstream endobj 1744 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 1745 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( 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Tm (FOR )Tj 14.18 0 0 14.18 295.92 341.76 Tm (DERRK )Tj 11.39 0 0 11.39 347.52 341.76 Tm (DAVIS )Tj EMC /P <>BDC 11.44 0 0 11.44 268.8 300.96 Tm (DERREK DAVIS, Individually )Tj EMC /P <>BDC 11.98 0 0 11.98 269.28 259.44 Tm (COUNSEL FOR ALL DEFENDANTS: )Tj EMC /P <>BDC /T1_0 1 Tf 11.1 0 0 11.1 269.04 218.64 Tm (DA VID MEDINE)Tj /T1_1 1 Tf 11.31 0 0 11.31 353.28 218.4 Tm (, Attorney )Tj 11.41 0 0 11.41 269.28 204.96 Tm (Pro Hac Vice )Tj 11.36 0 0 11.36 269.28 191.04 Tm (WilmerHale )Tj 11.18 0 0 11.18 270.48 177.36 Tm (1875 Pennsylvania Ave. )Tj 10.76 0 0 10.76 380.88 177.12 Tm (, N. )Tj /T1_0 1 Tf 10.43 0 0 10.43 269.28 163.68 Tm (Washington, D.)Tj /T1_1 1 Tf 11.26 0 0 11.26 341.52 163.68 Tm (C. 20006 )Tj 11.38 0 0 11.38 269.28 150.24 Tm (Phone: \(202\) 663-)Tj 11.16 0 0 11.16 352.56 150 Tm (6220 )Tj 11.44 0 0 11.44 269.28 136.56 Tm (Facsimile: \(202\) 663-)Tj 11.04 0 0 11.04 368.64 136.32 Tm (6363 )Tj EMC /Artifact <>BDC /T1_2 1 Tf 8.28 0 0 8.28 260.16 66.96 Tm (Page 20 of 21\001 )Tj EMC ET endstream endobj 1771 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 /T1_2 1 Tf 10.48 0 0 10.48 224.64 755.52 Tm (Document 2 )Tj /T1_1 1 Tf 12.77 0 0 12.77 309.36 755.52 Tm (Filed 11/05/2007 )Tj /T1_0 1 Tf 11.75 0 0 11.75 415.44 755.52 Tm (Page 19 of 23 )Tj EMC /P <>BDC /T1_1 1 Tf 12.68 0 0 12.68 270.96 705.6 Tm (FOR THE FEDERAL TRADE COMMISSION: )Tj EMC /P <>BDC 11.93 0 0 11.93 270.72 677.76 Tm (DEANYA T. KUECKELHAN)Tj 11.87 0 0 11.87 419.76 677.52 Tm (, DIRECTOR )Tj 11.86 0 0 11.86 271.2 663.36 Tm (Southwest Region )Tj 11.97 0 0 11.97 270.72 649.2 Tm (鶹ý Trade Commission )Tj EMC /P <>BDC /T1_0 1 Tf 10.75 0 0 10.75 270.48 606.24 Tm (/s/ Thomas B. Carter * * )Tj EMC /P <>BDC /T1_1 1 Tf 11.94 0 0 11.94 270.96 592.32 Tm (THOMAS B. CARTER )Tj 11.73 0 0 11.73 270.96 577.68 Tm (Of Counsel )Tj 11.91 0 0 11.91 270.72 563.52 Tm (Texas Bar No. 03932300 )Tj EMC /P <>BDC 11.82 0 0 11.82 270.48 535.2 Tm (EMILY ROBINSON )Tj 11.78 0 0 11.78 270.96 520.8 Tm (Of Counsel )Tj 11.89 0 0 11.89 270.72 506.64 Tm (Texas Bar No. 24046737 )Tj EMC /P <>BDC 11.74 0 0 11.74 270.48 477.84 Tm (LUIS GALLEGOS )Tj 11.73 0 0 11.73 270.96 463.68 Tm (Of Counsel )Tj 11.87 0 0 11.87 270.96 449.52 Tm (Oklahoma Bar No. 19098 )Tj EMC /P <>BDC 11.97 0 0 11.97 270.72 421.2 Tm (Attorneys for 鶹ý Trade Commission )Tj 11.71 0 0 11.71 271.92 407.28 Tm (1999 Bryan Street)Tj 11.94 0 0 11.94 357.36 407.04 Tm (, Suite 2150 )Tj 11.65 0 0 11.65 270.72 393.12 Tm (Dallas)Tj /T1_0 1 Tf 10.3 0 0 10.3 301.68 393.12 Tm (, Texas 75201 )Tj EMC /LI_Label <>BDC /T1_1 1 Tf 11.69 0 0 11.69 270.96 378.72 Tm (\(214\))Tj EMC /LI_Title <>BDC ( 979-)Tj /T1_2 1 Tf 8.85 0 0 8.85 321.6 378.72 Tm (9372 \(Mr. Carer\) )Tj EMC /LI_Label <>BDC /T1_1 1 Tf 11.69 0 0 11.69 270.96 364.56 Tm (\(214\))Tj EMC /LI_Title <>BDC ( 979-)Tj 11.92 0 0 11.92 321.6 364.32 Tm (9383 \(Mr. Gallegos\) )Tj EMC /LI_Label <>BDC 11.69 0 0 11.69 270.96 350.16 Tm (\(214\))Tj EMC /LI_Title <>BDC ( 979-)Tj /T1_2 1 Tf 9 0 0 9 321.6 350.16 Tm (9350 \(Offce\) )Tj EMC /LI_Label <>BDC /T1_1 1 Tf 11.69 0 0 11.69 271.2 336 Tm (\(214\))Tj EMC /LI_Title <>BDC ( 953-)Tj 11.89 0 0 11.89 321.84 336 Tm (3079 \(Facsimile\) )Tj EMC /P <>BDC /T1_0 1 Tf 10.95 0 0 10.95 271.68 293.52 Tm (* * Signed with permission )Tj EMC /Artifact <>BDC /T1_2 1 Tf 8.55 0 0 8.55 261.6 65.76 Tm (Page 19 of 21\001 )Tj EMC ET endstream endobj 1772 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 /T1_2 1 Tf 10.48 0 0 10.48 224.64 755.52 Tm (Document 2 )Tj /T1_1 1 Tf 12.77 0 0 12.77 309.36 755.52 Tm (Filed 11/05/2007 )Tj /T1_0 1 Tf 11.75 0 0 11.75 415.44 755.52 Tm (Page 18 of 23 )Tj EMC /P <>BDC 10.51 0 0 10.51 57.12 697.68 Tm (The parties)Tj /T1_1 1 Tf 11.88 0 0 11.88 110.88 697.44 Tm (, by their respective counsel)Tj 11.94 0 0 11.94 244.8 697.68 Tm (, hereby consent to the terms and conditions of the )Tj 11.91 0 0 11.91 57.36 683.04 Tm (Consent Decree as set forth above and consent to the entry thereof. )Tj EMC /P <>BDC 12.67 0 0 12.67 272.88 640.56 Tm (FOR THE UNITED STATES OF AMERICA: )Tj EMC /P <>BDC /T1_0 1 Tf 11.68 0 0 11.68 272.64 612.24 Tm (PETERD. 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produce documents for inspection and copying; appear\ for deposition; and/or )Tj 11.48 0 0 11.48 60.96 631.68 Tm (provide )Tj /T1_2 1 Tf 8.07 0 0 8.07 98.88 631.44 Tm (entr during normal business hours )Tj /T1_1 1 Tf 11.45 0 0 11.45 263.52 631.68 Tm (to any business location in such Defendant' )Tj 11.47 0 0 11.47 464.64 631.68 Tm (s possession )Tj 11.46 0 0 11.46 61.44 604.56 Tm (or direct or indirect control to inspect the business operation; )Tj EMC /P <>BDC 11.4 0 0 11.4 130.32 576.72 Tm (In addition)Tj 11.5 0 0 11.5 180.96 576.96 Tm (, the Commission is authorized to monitor compliance with this Decree by\ )Tj EMC /P <>BDC 11.36 0 0 11.36 61.68 549.6 Tm (all other lawful means)Tj 11.49 0 0 11.49 163.68 549.84 Tm (, including, but not limited to)Tj 11.18 0 0 11.18 298.8 549.84 Tm (, the following: )Tj 11.41 0 0 11.41 165.12 522.24 Tm (Obtaining discovery from any person)Tj 11.54 0 0 11.54 336 522.48 Tm (, without )Tj 12.67 0 0 12.67 379.92 522.24 Tm (furter leave of cour)Tj 11.16 0 0 11.16 478.08 522.24 Tm (, using )Tj 11.48 0 0 11.48 164.88 495.12 Tm (the procedures prescribed by Fed. R. Civ. P. 30)Tj 10.24 0 0 10.24 383.28 494.88 Tm (, 31 )Tj /T1_0 1 Tf 9.99 0 0 9.99 452.4 494.88 Tm (, and 45; )Tj /T1_1 1 Tf 11.49 0 0 11.49 165.36 467.52 Tm (Posing as consumers and suppliers to: Defendants LTD Financial Services \ )Tj 11.37 0 0 11.37 165.36 440.4 Tm [(L.P.)-106(, Timothy Feldman, Leonard )]TJ /T1_2 1 Tf 8.68 0 0 8.68 319.44 440.64 Tm (pruansky, John Brewster)Tj /T1_1 1 Tf 11.34 0 0 11.34 439.68 440.4 Tm (, or Derrek Davis )Tj 11.47 0 0 11.47 165.36 413.28 Tm (their employees)Tj 11.44 0 0 11.44 239.04 413.04 Tm (, or any other entity managed or controlled in whole or in )Tj 14.1 0 0 14.1 504.24 413.28 Tm (par )Tj 11.32 0 0 11.32 165.6 385.92 Tm (by LTD Financial Services, L.P. )Tj 11.38 0 0 11.38 314.16 385.92 Tm (, Timothy Feldman)Tj /T1_0 1 Tf 10.16 0 0 10.16 402.48 385.68 Tm (, Leonard Pruzansky, )Tj /T1_1 1 Tf 11.57 0 0 11.57 165.6 358.32 Tm (John Brewster)Tj 11.38 0 0 11.38 232.32 358.32 Tm (, or Derrek Davis)Tj 11.45 0 0 11.45 312.24 358.56 Tm (, without the necessity of identification or )Tj 11.44 0 0 11.44 165.84 330.96 Tm (prior notice; and )Tj EMC /P <>BDC 11.63 0 0 11.63 131.52 303.6 Tm (Defendants LID Financial Services)Tj /T1_0 1 Tf 10.07 0 0 10.07 295.92 303.6 Tm (, L.P.)Tj /T1_1 1 Tf 11.45 0 0 11.45 320.4 303.6 Tm (, Timothy Feldman)Tj 11.38 0 0 11.38 408.96 303.36 Tm (, Leonard Pruzansky, )Tj 11.44 0 0 11.44 62.64 276.48 Tm (John Brewster)Tj 5.79 -0.021 Td (, and Derrek Davis shall )Tj 12.73 0 0 12.73 242.64 276 Tm (permt )Tj 11.5 0 0 11.5 275.52 276.24 Tm (representatives of the Commission to interview any )Tj 11.31 0 0 11.31 62.88 248.88 Tm (employer)Tj /T1_0 1 Tf 10.33 0 0 10.33 105.84 249.12 Tm (, consultant)Tj /T1_1 1 Tf 11.42 0 0 11.42 159.12 249.12 Tm (, independent contractor)Tj 11.38 0 0 11.38 270.24 249.12 Tm (, representative, agent)Tj 11.42 0 0 11.42 370.8 248.88 Tm (, or employee who has agreed to )Tj 11.4 0 0 11.4 62.88 221.76 Tm (such an interview)Tj 11.63 0 0 11.63 144 221.76 Tm (, relating in anyway to any conduct subject to this Decree. The person )Tj 11.38 0 0 11.38 63.12 194.4 Tm (interviewed may have counsel present. )Tj EMC /P <>BDC 11.57 0 0 11.57 96.96 167.04 Tm (Provided, however )Tj 11.5 0 0 11.5 189.84 167.28 Tm (that nothing in this Decree shall limit the Commission )Tj 11.67 0 0 11.67 443.28 167.04 Tm (s lawful use of )Tj 11.35 0 0 11.35 63.36 139.68 Tm (compulsory process)Tj 11.44 0 0 11.44 154.8 139.68 Tm (, pursuant to Sections 9 and 20 of the FTC Act)Tj /T1_0 1 Tf 10.35 0 0 10.35 368.64 139.44 Tm (, 15 D. )Tj /T1_1 1 Tf 11.35 0 0 11.35 408.96 139.44 Tm (C. ~~ 49 and 57b-)Tj 11.08 0 0 11.08 498.24 139.68 Tm (, to )Tj EMC /Artifact <>BDC 11.73 0 0 11.73 260.4 70.08 Tm (Page 16 of 21 )Tj EMC ET endstream endobj 1775 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 /T1_2 1 Tf 10.48 0 0 10.48 224.64 755.52 Tm (Document 2 )Tj /T1_1 1 Tf 12.77 0 0 12.77 309.36 755.52 Tm (Filed 11/05/2007 )Tj /T1_0 1 Tf 11.75 0 0 11.75 415.44 755.52 Tm (Page 15 of 23 )Tj EMC /P <>BDC /T1_1 1 Tf 11.48 0 0 11.48 164.64 685.44 Tm (For Defendants LTD Financial Services)Tj /T1_0 1 Tf 10.07 0 0 10.07 348.96 685.44 Tm (, L.P.)Tj /T1_1 1 Tf 11.45 0 0 11.45 373.44 685.44 Tm (, Timothy Feldman)Tj 11.15 0 0 11.15 462.24 685.44 Tm (, Leonard )Tj EMC /P <>BDC 11.55 0 0 11.55 164.88 657.84 Tm (Pruzansky, John Brewster)Tj 12.41 0 0 12.41 285.6 657.84 Tm (, and Derrk )Tj 10.94 0 0 10.94 344.88 657.84 Tm (Davis: )Tj 11.46 0 0 11.46 199.92 630.24 Tm (A copy of each acknowledgment of receipt of employee notice )Tj 11.51 0 0 11.51 200.16 603.36 Tm (obtained pursuant to Paragraph )Tj /T1_0 1 Tf 10.24 0 0 10.24 346.56 603.12 Tm (TII. B of this Decree; )Tj /T1_1 1 Tf 11.45 0 0 11.45 200.4 576 Tm (A copy of each acknowledgment of receipt of this Decree and the )Tj EMC /P <>BDC /T1_2 1 Tf 5 0 0 5 200.4 549.12 Tm (FDCPA obtained pursuant to Paragraph \001)Tj /T1_1 1 Tf 37.248 -0.048 Td (N. )Tj EMC /P <>BDC 11.48 0 0 11.48 403.92 549.12 Tm (D of this Decree; and )Tj 11.51 0 0 11.51 200.4 521.76 Tm (Any other changes required to be reported under Subparagraph A of )Tj 11.44 0 0 11.44 200.64 494.64 Tm (this Paragraph. )Tj EMC /P <>BDC 11.54 0 0 11.54 131.28 467.28 Tm (For the purposes of this Decree)Tj /T1_0 1 Tf 10.13 0 0 10.13 276.48 467.28 Tm (, Defendants shall)Tj 10.24 0 0 10.24 358.32 467.28 Tm (, unless otherwise directed by the )Tj /T1_1 1 Tf 11.44 0 0 11.44 62.16 439.68 Tm (Commission )Tj 11.53 0 0 11.53 124.56 439.68 Tm (s authorized representatives, mail aU wrtten notifications to the Commis\ sion to: )Tj 11.43 0 0 11.43 212.4 412.08 Tm (Associate Director for 鶹ý )Tj EMC /P <>BDC /T1_0 1 Tf 10.33 0 0 10.33 231.84 398.4 Tm (鶹ý Trade Commission )Tj EMC /P <>BDC /T1_1 1 Tf 11.42 0 0 11.42 219.6 384.72 Tm (600 Pennsylvania Avenue)Tj 10.76 0 0 10.76 339.36 384.72 Tm (, N. )Tj 11.43 0 0 11.43 237.12 371.04 Tm (Washington)Tj /T1_0 1 Tf 10.03 0 0 10.03 293.28 371.28 Tm (, D.)Tj /T1_1 1 Tf 11.26 0 0 11.26 309.84 371.04 Tm (C. 20580 )Tj EMC /P <>BDC 5 0 0 5 102.24 357.36 Tm (Re: )Tj /T1_2 1 Tf 3.984 -0.048 Td (United States )Tj /T1_1 1 Tf 12.912 0.048 Td (v. )Tj /T1_2 1 Tf 2.016 0 Td (LTD Financial Services, L.P. )Tj EMC /P <>BDC /T1_1 1 Tf 11.4 0 0 11.4 337.44 357.36 Tm (Case # )Tj EMC /P <>BDC /T1_0 1 Tf 10.51 0 0 10.51 132 330.24 Tm (For purposes ofthe compliance reporting and monitoring required by this \ Decree)Tj 9.74 0 0 9.74 505.44 330.48 Tm (, the )Tj EMC /P <>BDC 10.71 0 0 10.71 62.88 302.88 Tm (Commission is authorized to communcate directly with Defendants LTD Fina\ ncial )Tj /T1_2 1 Tf 7.37 0 0 7.37 450.24 302.64 Tm (Services, L.P. )Tj EMC /P <>BDC /T1_1 1 Tf 11.51 0 0 11.51 62.88 275.76 Tm (Timothy Feldman)Tj /T1_0 1 Tf 10.27 0 0 10.27 146.4 275.76 Tm (, Leonard Pruzansky, John Brewster)Tj /T1_1 1 Tf 11.31 0 0 11.31 312.48 276 Tm (, and Derrek Davis)Tj 11.33 0 0 11.33 398.88 275.76 Tm (, provided a copy of any )Tj 11.49 0 0 11.49 62.88 248.4 Tm (written communication shall be sent to current counsel of record. )Tj EMC /LI_Label <>BDC 12.31 0 0 12.31 63.12 221.04 Tm (VII.\001 )Tj EMC /LI_Title <>BDC /T1_0 1 Tf 12.1 0 0 12.1 98.16 220.8 Tm (COMPLIANCE MONITORING )Tj /T1_1 1 Tf 11.47 0 0 11.47 98.16 193.44 Tm (For the purpose of monitoring and investigating compliance with any prov\ ision of this )Tj 11.27 0 0 11.27 63.36 166.08 Tm (Decree: )Tj EMC /P <>BDC 11.48 0 0 11.48 132.72 138.72 Tm (Within ten \(10\) days of receipt of written notice from a representativ\ e of the )Tj 11.39 0 0 11.39 63.6 111.12 Tm (Commission)Tj 11.38 0 0 11.38 122.64 111.36 Tm (, Defendants LTD Financial Services, L.P.)Tj 11.26 0 0 11.26 317.76 111.36 Tm (, Timothy Feldman)Tj /T1_0 1 Tf 10.13 0 0 10.13 405.36 111.12 Tm (, Leonard Pruzansky, )Tj EMC /Artifact <>BDC /T1_2 1 Tf 8.31 0 0 8.31 262.32 69.12 Tm (Page 15 of 21\002 )Tj EMC ET endstream endobj 1776 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 /T1_2 1 Tf 10.48 0 0 10.48 224.64 755.52 Tm (Document 2 )Tj /T1_1 1 Tf 12.77 0 0 12.77 309.36 755.52 Tm (Filed 11/05/2007 )Tj /T1_0 1 Tf 11.75 0 0 11.75 415.44 755.52 Tm (Page 14 of 23 )Tj EMC /P <>BDC /T1_1 1 Tf 11.49 0 0 11.49 165.84 685.92 Tm (change in the corporate name or address)Tj 11.34 0 0 11.34 351.84 685.92 Tm (, at least )Tj /T1_2 1 Tf 7.34 0 0 7.34 392.16 685.68 Tm (thirt \(30\) days prior to )Tj /T1_1 1 Tf 11.26 0 0 11.26 502.32 685.92 Tm (such )Tj 11.44 0 0 11.44 166.08 658.8 Tm (change )Tj 5 0 0 5 203.28 658.8 Tm (provided )Tj 11.52 0 0 11.52 247.92 658.8 Tm (that)Tj 11.46 0 0 11.46 265.68 658.8 Tm (, with respect to any proposed change in the corporation )Tj EMC /StyleSpan <>BDC 11.54 0 0 11.54 166.32 631.44 Tm (about which the Defendants learn less than )Tj EMC /P <>BDC /T1_2 1 Tf 7.34 0 0 7.34 367.2 631.2 Tm (thirt \(30\) days prior to )Tj /T1_1 1 Tf 11.4 0 0 11.4 477.36 631.2 Tm (the date )Tj 11.5 0 0 11.5 166.32 604.08 Tm (such action is to take place)Tj 11.47 0 0 11.47 290.4 604.08 Tm (, Defendants shall notify the Commission as soon )Tj -10.797 -2.364 Td (as is practicable after obtaining such knowledge. )Tj EMC /P <>BDC 11.5 0 0 11.5 132 549.6 Tm (Within one hundred eighty \(180\) days after the date of )Tj /T1_0 1 Tf 12.41 0 0 12.41 385.44 549.36 Tm (entr of )Tj /T1_1 1 Tf 11.4 0 0 11.4 424.08 549.6 Tm (this Decree, and once )Tj 11.42 0 0 11.42 63.6 522 Tm (each year thereafter for three \(3\) years on the anniversary of that da\ te)Tj /T1_0 1 Tf 10.18 0 0 10.18 380.88 522 Tm (, Defendants L TD )Tj /T1_1 1 Tf 12.01 0 0 12.01 466.32 522 Tm (financial )Tj 11.28 0 0 11.28 64.08 494.64 Tm (Services, L.P.)Tj 11.48 0 0 11.48 127.44 494.64 Tm (, Timothy Feldman, Leonard Pruzansky, John Brewster)Tj /T1_0 1 Tf 9.88 0 0 9.88 382.56 494.88 Tm (, and )Tj /T1_2 1 Tf 8.9 0 0 8.9 407.28 494.88 Tm (Derrk Davis )Tj /T1_1 1 Tf 11.36 0 0 11.36 471.36 494.64 Tm (each shall )Tj 11.46 0 0 11.46 63.84 467.52 Tm (provide a written report to the FTC)Tj 11.43 0 0 11.43 225.84 467.52 Tm (, sworn to under penalty of )Tj /T1_2 1 Tf 7.75 0 0 7.75 351.84 467.52 Tm (perjur, seting forth )Tj /T1_1 1 Tf 11.34 0 0 11.34 449.52 467.28 Tm (in detail the )Tj 11.55 0 0 11.55 63.84 440.4 Tm (manner and form in which they have complied and are complying with this \ Decree. This report )Tj /T1_0 1 Tf 10.42 0 0 10.42 64.32 413.04 Tm (shall include)Tj /T1_1 1 Tf 11.37 0 0 11.37 122.64 412.8 Tm (, but not be limited to: )Tj EMC /P <>BDC 11.48 0 0 11.48 167.28 385.92 Tm (For Defendants Timothy Feldman)Tj 11.35 0 0 11.35 324.48 385.92 Tm (, Leonard )Tj /T1_2 1 Tf 8.69 0 0 8.69 370.8 385.68 Tm (pruansky, John )Tj /T1_1 1 Tf 11.41 0 0 11.41 449.04 385.68 Tm (Brewster, and )Tj EMC /P <>BDC /T1_0 1 Tf 10.62 0 0 10.62 167.76 358.56 Tm (Derrek Davis: )Tj /T1_1 1 Tf 11.48 0 0 11.48 202.56 330.96 Tm (The then-current residence address, mailing addresses)Tj /T1_0 1 Tf 9.99 0 0 9.99 451.2 331.2 Tm (, and telephone )Tj /T1_1 1 Tf 11.4 0 0 11.4 202.56 303.36 Tm (numbers of such Defendant; )Tj 11.46 0 0 11.46 202.8 276 Tm (The then-current employment and business addresses and telephone )Tj 11.5 0 0 11.5 202.56 249.12 Tm (numbers of such Defendant)Tj 11.52 0 0 11.52 329.76 249.12 Tm (, a description of the business activities of )Tj 11.53 0 0 11.53 202.8 221.76 Tm (each such employer or business, and the title and responsibilities of )Tj 11.45 0 0 11.45 203.28 194.16 Tm (such Defendant for each such employer or business; and )Tj 11.5 0 0 11.5 202.8 166.8 Tm (Any other changes required to be reported under Subparagraph A of )Tj 11.36 0 0 11.36 203.04 139.92 Tm (this Paragraph. )Tj EMC /Artifact <>BDC /T1_2 1 Tf 8.31 0 0 8.31 263.04 70.08 Tm (Page 14 of 21\001 )Tj EMC ET endstream endobj 1777 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 /T1_2 1 Tf 10.48 0 0 10.48 224.64 755.52 Tm (Document 2 )Tj /T1_1 1 Tf 12.77 0 0 12.77 309.36 755.52 Tm (Filed 11/05/2007 )Tj /T1_0 1 Tf 11.75 0 0 11.75 415.44 755.52 Tm (Page 13 of 23 )Tj EMC /P <>BDC /T1_1 1 Tf 11.41 0 0 11.41 199.92 686.4 Tm (Any changes in residence)Tj 11.35 0 0 11.35 317.76 686.4 Tm (, mailing addresses)Tj 11.42 0 0 11.42 405.36 686.4 Tm (, and telephone numbers )Tj EMC /P <>BDC 11.44 0 0 11.44 200.16 659.28 Tm (of such Defendant within ten \(10\) days of the date of such change; )Tj 11.52 0 0 11.52 200.16 631.92 Tm (Any changes in employment status \(including self-employment\) of )Tj 11.41 0 0 11.41 200.64 604.56 Tm (such Defendant)Tj 11.36 0 0 11.36 272.64 604.8 Tm (, and any change in such Defendant' )Tj 11.62 0 0 11.62 439.68 604.56 Tm (s ownership of )Tj 11.42 0 0 11.42 200.88 577.44 Tm (any business entity, within ten \(10\) days of the date of such change. \ )Tj 11.48 0 0 11.48 200.88 550.08 Tm (Such notice shall include the name and address of each business that )Tj 11.71 0 0 11.71 200.88 522.96 Tm (such Defendant is affiiated with)Tj 11.36 0 0 11.36 351.12 522.72 Tm (, employed by, creates or forms)Tj /T1_0 1 Tf 10.47 0 0 10.47 495.36 522.72 Tm (, or )Tj /T1_1 1 Tf 11.5 0 0 11.5 200.64 495.6 Tm (performs services for; a statement of the nature of the business; and a \ )Tj /T1_0 1 Tf 10.26 0 0 10.26 201.12 468.48 Tm (statement of such Defendant' )Tj /T1_1 1 Tf 11.53 0 0 11.53 335.76 468.48 Tm (s duties and responsibilities in )Tj 11.42 0 0 11.42 201.12 441.6 Tm (connection with the business or employment; )Tj 11.37 0 0 11.37 201.12 413.76 Tm (Any changes in such Defendant' )Tj 11.46 0 0 11.46 350.64 414 Tm (s name or use of any aliases or )Tj 11.44 0 0 11.44 201.36 386.16 Tm (fictitious names; and )Tj EMC /P <>BDC 11.35 0 0 11.35 166.32 359.04 Tm (Defendants L TD Financial Services, L.P., Timothy Feldman)Tj /T1_0 1 Tf 10.22 0 0 10.22 444.72 359.04 Tm (, Leonard )Tj /T1_1 1 Tf 11.52 0 0 11.52 166.56 331.92 Tm (Pruzansky, John Brewster)Tj /T1_0 1 Tf 10.8 0 0 10.8 287.04 331.92 Tm (, and Derek Davis shall notify the Commission of )Tj /T1_1 1 Tf 11.36 0 0 11.36 166.8 304.56 Tm (any changes in cOIporate structure of Defendant LTD Financial Services)Tj /T1_0 1 Tf 9.97 0 0 9.97 500.16 304.56 Tm (, L.P. )Tj /T1_1 1 Tf 11.42 0 0 11.42 166.56 276.96 Tm (or any business entity that Defendants Timothy Feldman)Tj 11.33 0 0 11.33 426.72 277.2 Tm (, Leonard Pruzansky, )Tj /T1_0 1 Tf 10.49 0 0 10.49 166.56 249.84 Tm (John Brewster, or Derrek Davis controls)Tj /T1_1 1 Tf 11.45 0 0 11.45 353.04 249.6 Tm (, or has an ownership interest in)Tj /T1_0 1 Tf 10.15 0 0 10.15 499.68 249.84 Tm (, that )Tj /T1_1 1 Tf 11.59 0 0 11.59 166.8 222.72 Tm (may affect compliance obligations arsing under this Decree)Tj 11.38 0 0 11.38 443.52 222.48 Tm (, including, but )Tj /T1_0 1 Tf 10.92 0 0 10.92 166.8 195.12 Tm (not limited to)Tj /T1_1 1 Tf 11.39 0 0 11.39 229.44 195.12 Tm (, a dissolution)Tj /T1_0 1 Tf 9.99 0 0 9.99 293.76 195.12 Tm (, assignment)Tj /T1_1 1 Tf 11.4 0 0 11.4 351.12 194.88 Tm (, sale, merger)Tj /T1_0 1 Tf 10.39 0 0 10.39 413.04 195.12 Tm (, or other action that )Tj /T1_1 1 Tf 11.49 0 0 11.49 166.8 167.52 Tm (would result in the emergence of a successor entity; the creation or )Tj 11.5 0 0 11.5 167.04 140.16 Tm (dissolution of a subsidiary, parent)Tj 11.22 0 0 11.22 323.28 140.16 Tm (, or )Tj /T1_2 1 Tf 7.45 0 0 7.45 341.04 140.16 Tm (afliate that )Tj /T1_1 1 Tf 11.44 0 0 11.44 399.12 140.16 Tm (engages in any acts or )Tj 11.73 0 0 11.73 167.04 113.04 Tm (practices subject to this Decree; the fiing )Tj 10.94 0 0 10.94 361.44 112.8 Tm (of a )Tj 16.09 0 0 16.09 380.88 112.8 Tm (banptcy )Tj 11.41 0 0 11.41 435.84 113.04 Tm (petition; or a )Tj EMC /P <>BDC /T1_0 1 Tf 10.44 0 0 10.44 261.84 71.04 Tm (Page 13 of 21 )Tj EMC ET endstream endobj 1778 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 /T1_2 1 Tf 10.48 0 0 10.48 224.64 755.52 Tm (Document 2 )Tj /T1_1 1 Tf 12.77 0 0 12.77 309.36 755.52 Tm (Filed 11/05/2007 )Tj /T1_0 1 Tf 11.75 0 0 11.75 415.44 755.52 Tm (Page 12 of 23 )Tj EMC /P <>BDC /T1_1 1 Tf 11.55 0 0 11.55 164.4 685.68 Tm (Any complaint and the date received, and the )Tj /T1_0 1 Tf 10.86 0 0 10.86 376.32 685.68 Tm (natue of the complaint )Tj /T1_1 1 Tf 11.53 0 0 11.53 164.16 658.56 Tm (reflected in any notes)Tj /T1_0 1 Tf 10.31 0 0 10.31 264 658.8 Tm (, logs, or memoranda)Tj /T1_1 1 Tf 11.39 0 0 11.39 361.92 658.56 Tm (, including a description of the )Tj 11.6 0 0 11.6 164.64 630.96 Tm (conduct alleged; and )Tj 11.61 0 0 11.61 164.64 603.84 Tm (The basis of the complaint)Tj 11.45 0 0 11.45 288.24 604.08 Tm (, including the names of any debt collectors or )Tj 11.51 0 0 11.51 165.12 576 Tm (supervisors complained about; the nature of any investigation conducted \ )Tj 11.5 0 0 11.5 164.88 549.12 Tm (concerning the validity of any complaint; all documents relating to the \ )Tj 11.54 0 0 11.54 165.12 522 Tm (disposition of the complaint, including records of all contacts with the\ )Tj /T1_0 1 Tf 10.2 0 0 10.2 165.12 494.88 Tm (consurner, Defendants )Tj /T1_1 1 Tf 11.43 0 0 11.43 269.76 495.12 Tm (' response to the complaint and the response date )Tj 11.56 0 0 11.56 165.12 467.52 Tm (whether the complaint was resolved)Tj 11.43 0 0 11.43 332.16 467.76 Tm (, the date of resolution; and any action )Tj EMC /P <>BDC /T1_0 1 Tf 10.36 0 0 10.36 165.36 440.4 Tm (taken to correct alleged conduct that violates the FDCP A; )Tj /T1_1 1 Tf 11.47 0 0 11.47 131.52 412.8 Tm (Copies of all scripts)Tj 11.42 0 0 11.42 223.92 413.04 Tm (, training materials)Tj /T1_0 1 Tf 10.11 0 0 10.11 310.56 412.8 Tm (, advertisements)Tj /T1_1 1 Tf 11.49 0 0 11.49 385.44 412.8 Tm (, or other promotional or )Tj 11.42 0 0 11.42 62.88 385.2 Tm (marketing materials; and )Tj EMC /P <>BDC 11.49 0 0 11.49 131.76 357.84 Tm (All records and documents necessary to demonstrate full compliance with \ each )Tj 11.43 0 0 11.43 62.88 330.48 Tm (provision of this Decree)Tj /T1_0 1 Tf 10.84 0 0 10.84 173.76 330.72 Tm (, including, but not limited to)Tj /T1_1 1 Tf 11.54 0 0 11.54 308.88 330.48 Tm (, copies of acknowledgments of receipt of )Tj /T1_0 1 Tf 10.36 0 0 10.36 63.12 303.12 Tm (notices given to employees, required by Paragraph III. B)Tj /T1_1 1 Tf 11.54 0 0 11.54 322.08 303.12 Tm (, copies of acknowledgments of receipt of )Tj 11.3 0 0 11.3 63.12 275.76 Tm (this Decree and the FDCP A, required by Paragraph IV. D)Tj /T1_0 1 Tf 10.4 0 0 10.4 327.84 276 Tm (, and all reports submitted to the FTC )Tj /T1_1 1 Tf 11.34 0 0 11.34 63.12 248.16 Tm (pursuant to Paragraph VI. )Tj EMC /LI_Label <>BDC 11.59 0 0 11.59 63.36 220.8 Tm (VI.\001 )Tj EMC /LI_Title <>BDC /T1_0 1 Tf 11.7 0 0 11.7 97.92 220.56 Tm (COMPLIANCE REPORTING BY DEFENDANTS )Tj /T1_1 1 Tf 11.46 0 0 11.46 97.92 193.92 Tm (In order that compliance with the provisions of this Decree may be monit\ ored: )Tj EMC /P <>BDC 11.65 0 0 11.65 132.48 166.56 Tm (For a period ofthree \(3\) years from the date of )Tj /T1_0 1 Tf 12.1 0 0 12.1 349.92 166.56 Tm (entr of )Tj /T1_1 1 Tf 11.51 0 0 11.51 387.6 166.8 Tm (this Decree )Tj 11.5 0 0 11.5 166.56 139.44 Tm (Defendants Timothy Feldman)Tj 11.82 0 0 11.82 305.04 139.2 Tm (, Leonard Pruansky, John Brewster)Tj 11.11 0 0 11.11 471.6 139.2 Tm (, and )Tj 11.46 0 0 11.46 166.8 111.84 Tm (Derrek Davis shall notify the Commission of the following: )Tj EMC /Artifact <>BDC /T1_2 1 Tf 8.28 0 0 8.28 262.32 69.84 Tm (Page 12 of 21\001 )Tj EMC ET endstream endobj 1779 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 /T1_2 1 Tf 10.48 0 0 10.48 224.64 755.52 Tm (Document 2 )Tj /T1_1 1 Tf 12.77 0 0 12.77 309.36 755.52 Tm (Filed 11/05/2007 )Tj /T1_0 1 Tf 11.75 0 0 11.75 415.44 755.52 Tm (Page 11 of 23 )Tj EMC /P <>BDC 10.26 0 0 10.26 62.16 687.6 Tm (of this Decree and the FDCP A)Tj /T1_1 1 Tf 11.33 0 0 11.33 203.52 687.6 Tm (, within )Tj /T1_2 1 Tf 7.43 0 0 7.43 240.96 687.36 Tm (thirt \(30\) days of delivery, )Tj /T1_1 1 Tf 13.21 0 0 13.21 370.32 687.36 Tm (frm all )Tj /T1_2 1 Tf 7.85 0 0 7.85 409.2 687.6 Tm (persons receiving copies )Tj EMC /P <>BDC /T1_1 1 Tf 11.32 0 0 11.32 62.4 660.48 Tm (of the Decree and the FDCP A pursuant to this Paragraph. )Tj EMC /P <>BDC 12.21 0 0 12.21 96.96 632.88 Tm (RECORD KEEPING PROVISIONS )Tj EMC /P <>BDC 11.45 0 0 11.45 97.44 606.24 Tm (For a period of six \(6\) years from the date of entry of this Decree)Tj 11.38 0 0 11.38 396 606 Tm (, Defendants LTD Financial )Tj EMC /P <>BDC 11.26 0 0 11.26 63.12 578.64 Tm (Services)Tj /T1_0 1 Tf 10.18 0 0 10.18 102 578.88 Tm (, L.P.)Tj /T1_1 1 Tf 11.48 0 0 11.48 126.72 578.64 Tm (, Timothy Feldman, Leonard Pruzansky, John Brewster)Tj 11.16 0 0 11.16 381.84 578.64 Tm (, and )Tj /T1_2 1 Tf 9.35 0 0 9.35 406.32 578.88 Tm (Derrk Davis)Tj /T1_1 1 Tf 11.42 0 0 11.42 468.48 579.12 Tm (, their )Tj 11.28 0 0 11.28 63.12 551.76 Tm (agents)Tj /T1_0 1 Tf 9.88 0 0 9.88 92.88 551.76 Tm (, employees)Tj /T1_1 1 Tf 12.23 0 0 12.23 147.12 551.76 Tm (, offcers)Tj 11.37 0 0 11.37 188.16 551.52 Tm (, corporations, successors)Tj /T1_0 1 Tf 9.82 0 0 9.82 305.28 551.76 Tm (, and assigns)Tj /T1_1 1 Tf 11.45 0 0 11.45 364.08 551.52 Tm (, and those persons in active )Tj 11.48 0 0 11.48 63.36 524.16 Tm (concert or participation with them who receive actual notice of this Dec\ ree by personal service or )Tj 11.36 0 0 11.36 63.36 496.56 Tm (otherwise)Tj 11.48 0 0 11.48 108.48 496.8 Tm (, in connection with any business involving the collection of debts from\ consumers)Tj /T1_0 1 Tf 10.1 0 0 10.1 490.32 496.8 Tm (, where )Tj /T1_1 1 Tf 11.42 0 0 11.42 63.6 469.44 Tm (any Defendant is the majority owner of the business)Tj 11.47 0 0 11.47 302.64 469.44 Tm (, or manages or controls the business)Tj 11.2 0 0 11.2 472.8 469.44 Tm (, are hereby )Tj 11.35 0 0 11.35 63.36 442.08 Tm (restrained and enjoined ITom failing to create and retain the following \ records: )Tj EMC /P <>BDC 11.49 0 0 11.49 132.48 414.96 Tm (Accounting records that reflect the revenues generated in connection wit\ h the )Tj 11.37 0 0 11.37 64.08 387.6 Tm (collection of debts)Tj 11.41 0 0 11.41 149.04 387.6 Tm (, and the disbursement of such revenues; )Tj EMC /P <>BDC 11.6 0 0 11.6 132.96 360.48 Tm (Personnel records accurately reflecting: the name)Tj 11.18 0 0 11.18 362.88 360.48 Tm (, address)Tj 11.58 0 0 11.58 402.96 360.48 Tm (, and telephone number of )Tj 11.46 0 0 11.46 64.08 333.36 Tm (each person employed in any capacity by such business, including as an i\ ndependent contractor; that )Tj 11.35 0 0 11.35 64.08 305.76 Tm (person )Tj 11.49 0 0 11.49 98.88 306 Tm (s job title or position; the date upon which the person commenced work; \ and the date and )Tj 11.5 0 0 11.5 64.08 278.4 Tm (reason for the person )Tj 12.07 0 0 12.07 165.12 278.4 Tm (s termnation)Tj 11.23 0 0 11.23 225.84 278.64 Tm (, if applicable; )Tj EMC /P <>BDC 11.67 0 0 11.67 133.44 250.8 Tm (Customer fies containing the names)Tj /T1_0 1 Tf 9.43 0 0 9.43 301.92 251.04 Tm (, addresses)Tj 10.01 0 0 10.01 351.84 250.8 Tm (, phone numbers)Tj 10.94 0 0 10.94 428.16 250.8 Tm (, dollar amounts of )Tj /T1_1 1 Tf 11.45 0 0 11.45 64.32 223.68 Tm (debt owed, records of collection activity, and amounts collected; )Tj 11.34 0 0 11.34 133.68 196.32 Tm (For every consurner complaint)Tj 11.47 0 0 11.47 273.6 196.56 Tm (, whether received directly, indirectly, or through a )Tj /T1_0 1 Tf 11.89 0 0 11.89 64.8 168.96 Tm (third part, )Tj /T1_1 1 Tf 11.38 0 0 11.38 118.32 168.96 Tm (records that include: )Tj EMC /Artifact <>BDC /T1_2 1 Tf 8.28 0 0 8.28 262.8 72.48 Tm (Page 11 of 21\001 )Tj EMC ET endstream endobj 1780 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 /T1_2 1 Tf 10.48 0 0 10.48 224.64 755.52 Tm (Document 2 )Tj /T1_1 1 Tf 12.77 0 0 12.77 309.36 755.52 Tm (Filed 11/05/2007 )Tj /T1_0 1 Tf 11.75 0 0 11.75 415.44 755.52 Tm (Page 10 of 23 )Tj EMC /P <>BDC /T1_2 1 Tf 8.48 0 0 8.48 61.68 686.16 Tm (upon Defendant. For new personnel)Tj /T1_1 1 Tf 11.4 0 0 11.4 230.88 686.16 Tm (, delivery shall occur prior to their assuming their responsibilities. )Tj EMC /P <>BDC 12.41 0 0 12.41 131.28 658.56 Tm (Defendants Timothy Feldman, Leonard Pruzansky, John Brewster, and Derrek\ )Tj /T1_2 1 Tf 8.08 0 0 8.08 61.92 630.48 Tm (Davis as control persons: For any business )Tj /T1_1 1 Tf 11.69 0 0 11.69 270.48 630.72 Tm (which is engaged in the collection of ")Tj 11.26 0 0 11.26 450.24 630.72 Tm (debts)Tj 11.34 0 0 11.34 474.96 630.96 Tm (" from )Tj 11.45 0 0 11.45 67.2 602.88 Tm (consumers )Tj 11.46 0 0 11.46 120 603.12 Tm (" as those terms are defined in Section 803\(5\) and \(3\), respectively\ , of the FDCPA )Tj 10.56 0 0 10.56 498.96 603.12 Tm (, 15 )Tj EMC /P <>BDC 11.45 0 0 11.45 83.04 575.76 Tm (C. ~ 1692a\(5\) and \(3\), that Defendant Timothy Feldman)Tj 11.41 0 0 11.41 341.76 575.76 Tm (, Leonard )Tj /T1_2 1 Tf 8.64 0 0 8.64 388.32 575.76 Tm (pruansky, John Brewster)Tj /T1_1 1 Tf 11.34 0 0 11.34 508.08 576 Tm (, or )Tj 11.47 0 0 11.47 62.4 548.4 Tm (Derrek Davis controls)Tj 11.46 0 0 11.46 164.64 548.4 Tm (, or in which such Defendant has a majority ownership interest)Tj /T1_0 1 Tf 9.81 0 0 9.81 452.64 548.4 Tm (, such )Tj /T1_1 1 Tf 11.39 0 0 11.39 62.4 521.04 Tm (Defendant must deliver copies of this Decree and the FDCP )Tj 11.45 0 0 11.45 338.16 521.04 Tm (A to all principals)Tj 11.35 0 0 11.35 421.44 521.28 Tm (, officers, directors )Tj /T1_0 1 Tf 10.32 0 0 10.32 62.64 493.92 Tm (and managers of that business. Such Defendant must also deliver copies o\ f this Decree and the )Tj EMC /P <>BDC /T1_1 1 Tf 11.16 0 0 11.16 63.12 467.04 Tm (FDCP A to all employees)Tj EMC /StyleSpan <>BDC 11.08 0 0 11.08 178.8 464.88 Tm (, agents)Tj EMC /P <>BDC 11.47 0 0 11.47 213.6 467.28 Tm (, and representatives of that business who engage in conduct related )Tj 11.77 0 0 11.77 62.88 439.92 Tm (to the subject matter of this Decree. For )Tj /T1_0 1 Tf 9.77 0 0 9.77 252.72 439.92 Tm (cun-ent personnel)Tj /T1_1 1 Tf 11.5 0 0 11.5 331.92 439.92 Tm (, delivery shall be within five \(5\) days of )Tj 11.58 0 0 11.58 63.36 412.32 Tm (service of this Decree upon such Defendant. For new personnel)Tj 11.45 0 0 11.45 358.08 412.32 Tm (, delivery shall occur prior to their )Tj 11.47 0 0 11.47 63.36 384.72 Tm (assuming their responsibilities. )Tj EMC /P <>BDC 12.2 0 0 12.2 132.96 357.12 Tm (Defendants Timothy Feldman)Tj /T1_0 1 Tf 11.18 0 0 11.18 280.08 357.36 Tm (, Leonard Pruzansky, John Brewster)Tj /T1_1 1 Tf 12.56 0 0 12.56 460.8 357.36 Tm (, and Derrek )Tj /T1_2 1 Tf 8.35 0 0 8.35 63.84 329.28 Tm (Davis as employees or non-control persons: For any )Tj /T1_1 1 Tf 11.47 0 0 11.47 319.2 329.52 Tm (business where Defendant Timothy )Tj 11.52 0 0 11.52 63.84 301.68 Tm (Feldman)Tj /T1_0 1 Tf 10.3 0 0 10.3 104.64 301.68 Tm (, Leonard Pruzansky, John Brewster)Tj /T1_1 1 Tf 11.62 0 0 11.62 271.2 301.92 Tm (, or Derek Davis is not a controlling person of that )Tj 11.66 0 0 11.66 63.84 274.32 Tm (business but otherwse engages in conduct as a ")Tj 11.36 0 0 11.36 287.52 274.56 Tm (debt collector)Tj 11.58 0 0 11.58 349.92 274.56 Tm (" in the collection of a ")Tj 11.43 0 0 11.43 460.8 274.56 Tm (debt" from a )Tj EMC /P <>BDC 11.48 0 0 11.48 69.36 247.2 Tm (consumer )Tj 11.45 0 0 11.45 117.36 247.2 Tm (" as those terms are defined in Section 803\(6\), \(5\), and \(3\), resp\ ectively, of the FDCPA )Tj EMC /P <>BDC 10.86 0 0 10.86 65.52 219.6 Tm (15 U.S.)Tj /T1_2 1 Tf 7.38 0 0 7.38 99.36 219.84 Tm (c. ~ 1692a\(6\), \(5\), )Tj /T1_1 1 Tf 11.46 0 0 11.46 187.92 220.08 Tm (and \(3\), such Defendant must deliver copies of this Decree and the )Tj EMC /P <>BDC 11.38 0 0 11.38 64.32 192.48 Tm (FDCP A to all principals and managers of such business before engaging i\ n such conduct. )Tj EMC /P <>BDC 11.64 0 0 11.64 133.68 165.12 Tm (Defendants LID Financial Services)Tj /T1_0 1 Tf 10.07 0 0 10.07 298.08 165.12 Tm (, L.P.)Tj /T1_1 1 Tf 11.42 0 0 11.42 322.56 165.12 Tm (, Timothy Feldman)Tj 13.07 0 0 13.07 410.88 164.88 Tm (, Lenard )Tj 11.2 0 0 11.2 457.68 165.12 Tm (Pruzansky, )Tj /T1_0 1 Tf 10.4 0 0 10.4 64.32 137.52 Tm (John Brewster)Tj /T1_1 1 Tf 11.45 0 0 11.45 131.28 137.76 Tm (, and Derrek Davis must secure a signed and dated statement acknowledgin\ g receipt )Tj EMC /Artifact <>BDC /T1_2 1 Tf 8.25 0 0 8.25 263.28 70.32 Tm (Page 10 of 21\001 )Tj EMC ET endstream endobj 1781 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 /T1_2 1 Tf 10.48 0 0 10.48 228 755.52 Tm (Document 2 )Tj /T1_1 1 Tf 12.77 0 0 12.77 312.72 755.52 Tm (Filed 11/05/2007 )Tj /T1_0 1 Tf 11.72 0 0 11.72 418.8 755.52 Tm (Page 9 of 23 )Tj EMC /P <>BDC /T1_1 1 Tf 11.55 0 0 11.55 162.96 681.12 Tm (should know it is inconvenient for the consumer)Tj 11.36 0 0 11.36 386.16 680.88 Tm (, and )Tj EMC /P <>BDC 11.52 0 0 11.52 162.72 667.44 Tm (that you may not communicate with any )Tj /T1_0 1 Tf 11.12 0 0 11.12 351.12 667.2 Tm (peron other )Tj EMC /P <>BDC /T1_1 1 Tf 11.54 0 0 11.54 162.72 653.76 Tm (than the consumer in connection with the collection of a )Tj EMC /P <>BDC 11.43 0 0 11.43 163.2 639.84 Tm (debt)Tj 11.49 0 0 11.49 183.36 640.08 Tm (, for any purpose other than to obtain location )Tj EMC /P <>BDC 11.47 0 0 11.47 163.2 626.4 Tm (information about the consumer. )Tj EMC /P <>BDC 0.042 -2.364 Td (Section 806 of the Act states that you may not engage in )Tj 11.5 0 0 11.5 163.44 585.6 Tm (any conduct the natural consequence of which is to )Tj 11.62 0 0 11.62 163.2 572.16 Tm (harass)Tj /T1_0 1 Tf 9.74 0 0 9.74 193.2 572.16 Tm (, oppress)Tj /T1_1 1 Tf 11.42 0 0 11.42 234.24 572.16 Tm (, or abuse any person in connection with )Tj 11.47 0 0 11.47 163.44 558.48 Tm (the collection of a debt. )Tj EMC /P <>BDC 11.45 0 0 11.45 163.68 531.12 Tm (In addition)Tj 11.47 0 0 11.47 214.32 531.12 Tm (, Section 807 of the Act prohibits you from )Tj -4.436 -1.193 Td (representing or implying that any action)Tj 11.35 0 0 11.35 347.76 517.44 Tm (, including legal )Tj 11.39 0 0 11.39 163.68 503.76 Tm (action)Tj 11.79 0 0 11.79 192.24 504 Tm (, wil be taken unless at the )Tj 11.52 0 0 11.52 319.92 504 Tm (time of the )Tj 11.53 0 0 11.53 163.68 490.32 Tm (representation)Tj 11.44 0 0 11.44 229.92 490.08 Tm (, such action is lawful and there is a clear )Tj 12.2 0 0 12.2 163.92 476.64 Tm (intent to take such action. Furter)Tj 11.47 0 0 11.47 321.84 476.4 Tm (, Section 807 of the )Tj 11.52 0 0 11.52 163.92 462.96 Tm (Act prohibits the use of any false representation or )Tj 11.48 0 0 11.48 164.16 449.04 Tm (deceptive means to collect or attempt to collect any debt )Tj 11.49 0 0 11.49 164.16 435.36 Tm (or to obtain information concerning a consumer. )Tj EMC /P <>BDC 12.2 0 0 12.2 164.16 407.76 Tm (Individual debt collectors may be financially liable )Tj EMC /P <>BDC /T1_2 1 Tf 7.54 0 0 7.54 164.16 394.32 Tm (for their violations of the Act.\001 )Tj EMC /LI_Label <>BDC /T1_1 1 Tf 11.4 0 0 11.4 60.96 366.96 Tm (IV. )Tj EMC /LI_Title <>BDC /T1_2 1 Tf 11.45 0 0 11.45 95.28 367.2 Tm (DISTRIBUTION OF CONSENT DECREE AND FDCP )Tj /T1_1 1 Tf 11.73 0 0 11.73 370.08 366.96 Tm (A BY DEFENDANTS )Tj EMC /P <>BDC 11.49 0 0 11.49 95.28 340.08 Tm (For a period of three \(3\) years from the date of )Tj /T1_0 1 Tf 12.34 0 0 12.34 312.48 339.84 Tm (entr of )Tj /T1_1 1 Tf 11.4 0 0 11.4 350.88 340.08 Tm (this Decree)Tj 11.29 0 0 11.29 403.2 339.84 Tm (, Defendants LTD )Tj EMC /P <>BDC /T1_2 1 Tf 7.52 0 0 7.52 60.96 312.72 Tm (Financial Services, L.P.)Tj /T1_0 1 Tf 10.64 0 0 10.64 170.4 312.72 Tm (, Timothy Feldman, Leonard Pruansky, John Brewster)Tj /T1_1 1 Tf 11.16 0 0 11.16 425.28 312.24 Tm (, and )Tj /T1_2 1 Tf 9.24 0 0 9.24 449.76 312.24 Tm (Derrk Davis )Tj EMC /P <>BDC /T1_1 1 Tf 11.45 0 0 11.45 61.44 285.36 Tm (shall deliver copies of this Decree and the FDCPA as directed below: )Tj EMC /P <>BDC 12.04 0 0 12.04 130.56 257.52 Tm (LTD Financial Services, L.P.)Tj /T1_0 1 Tf 10.44 0 0 10.44 272.88 257.52 Tm (: Defendant L TD Financial Services, L.P. must deliver )Tj EMC /P <>BDC /T1_1 1 Tf 11.39 0 0 11.39 61.44 230.16 Tm (copies of this Decree and the FDCP A to all of its principals, officers,\ directors, and managers. )Tj EMC /P <>BDC 11.48 0 0 11.48 61.44 202.56 Tm (Defendant LTD Financial Services, L.P. also must deliver copies ofthis D\ ecree and the FDCP )Tj 11.25 0 0 11.25 495.36 202.32 Tm (A to )Tj EMC /P <>BDC 11.47 0 0 11.47 61.68 175.2 Tm (all of its employees, agents, and representatives who engage in conduct \ related to the subject matter )Tj EMC /P <>BDC /T1_0 1 Tf 10.58 0 0 10.58 61.44 147.84 Tm (of this Decree. For current personnel, delivery shall )Tj /T1_1 1 Tf 11.46 0 0 11.46 303.6 147.84 Tm (be within five \(5\) days of service of this Decree )Tj EMC /Artifact <>BDC /T1_2 1 Tf 8.17 0 0 8.17 262.8 69.36 Tm (Page 9 of 21\001 )Tj EMC ET endstream endobj 1782 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 /T1_2 1 Tf 10.48 0 0 10.48 228 755.52 Tm (Document 2 )Tj /T1_1 1 Tf 12.77 0 0 12.77 312.72 755.52 Tm (Filed 11/05/2007 )Tj /T1_0 1 Tf 11.72 0 0 11.72 418.8 755.52 Tm (Page 8 of 23 )Tj EMC /P <>BDC /T1_1 1 Tf 11.66 0 0 11.66 165.36 681.36 Tm (The 鶹ý Trade Commssion enforces the Fair )Tj 11.64 0 0 11.64 165.36 667.68 Tm (Debt Collection Practices Act \(FDCPA\). If you )Tj 11.46 0 0 11.46 165.6 654.24 Tm (have a complaint about the way we are collecting )Tj 11.36 0 0 11.36 165.6 640.56 Tm (your debt)Tj 11.45 0 0 11.45 209.52 639.84 Tm (, please contact the FTC online at www.)Tj 10.48 0 0 10.48 394.56 640.32 Tm (ftc. )Tj /T1_0 1 Tf 10.19 0 0 10.19 409.44 640.32 Tm (gov ; )Tj 10.29 0 0 10.29 165.6 626.88 Tm (by phone at 1-)Tj 10.59 0 0 10.59 231.84 626.88 Tm (877- FTC-)Tj /T1_1 1 Tf 11.42 0 0 11.42 280.56 626.88 Tm (HELP; or by mail at )Tj 11.46 0 0 11.46 165.84 613.44 Tm (600 Pennsylvania Ave. NW)Tj 11.41 0 0 11.41 294.72 613.68 Tm (, Washington, DC 20580. )Tj EMC /P <>BDC 11.5 0 0 11.5 61.92 585.84 Tm (The above disclosure shall be given in the languages which appear in suc\ h communications sent to )Tj 11.4 0 0 11.4 62.16 558.24 Tm (consumers. )Tj EMC /P <>BDC 11.61 0 0 11.61 134.64 531.12 Tm (Defendants LID Financial Services, L.P., Timothy )Tj 11.4 0 0 11.4 372 531.36 Tm (Feldman, Leonard Pruzansky, )Tj /T1_0 1 Tf 10.4 0 0 10.4 62.4 504.24 Tm (John Brewster)Tj /T1_1 1 Tf 11.38 0 0 11.38 129.12 504 Tm (, and Derrek Davis)Tj 11.43 0 0 11.43 216 504 Tm (, as well as their successors and assigns)Tj 11.71 0 0 11.71 397.44 504 Tm (, and their offcers, agents )Tj 11.43 0 0 11.43 62.4 476.64 Tm (servants)Tj 11.47 0 0 11.47 100.56 476.64 Tm (, employees, and all persons or entities in active concert or participat\ ion with any of them )Tj 11.48 0 0 11.48 62.4 449.52 Tm (who receive actual notice of this Decree by personal service or otherwis\ e)Tj 11.43 0 0 11.43 398.88 449.28 Tm (, whether acting directly )Tj 11.47 0 0 11.47 62.88 422.16 Tm (or through any business entity, corporation, subsidiary, division)Tj 12.1 0 0 12.1 356.16 422.16 Tm (, affiiate)Tj /T1_0 1 Tf 10.44 0 0 10.44 397.44 421.92 Tm (, or other device, in )Tj /T1_1 1 Tf 11.54 0 0 11.54 62.64 394.8 Tm (connection with acting as a ")Tj /T1_2 1 Tf 7.57 0 0 7.57 196.32 394.8 Tm (debt collector)Tj /T1_1 1 Tf 11.5 0 0 11.5 259.2 395.04 Tm (" in the collection of a ")Tj 11.59 0 0 11.59 369.6 394.8 Tm (debt" from a ")Tj 11.25 0 0 11.25 435.84 394.56 Tm (consumer,)Tj 10.95 0 0 10.95 483.6 394.8 Tm (" as )Tj 11.5 0 0 11.5 62.64 367.44 Tm (those terms are defined in Section 803\(6\), \(5\), and \(3\), respectiv\ ely, of the FDCPA)Tj /T1_0 1 Tf 10.57 0 0 10.57 444.24 367.2 Tm (, 15 U.s. )Tj /T1_1 1 Tf 11.44 0 0 11.44 63.84 339.84 Tm (~ 1692a\(6\), \(5\), and \(3\), shall provide a copy of the following no\ tice to all officers)Tj /T1_0 1 Tf 9.83 0 0 9.83 442.08 339.36 Tm (, servants, )Tj /T1_1 1 Tf 11.48 0 0 11.48 63.36 312.48 Tm (agents, and employees having responsibility with respect to the collecti\ on of consumer debts )Tj EMC /P <>BDC /T1_2 1 Tf 7.45 0 0 7.45 63.12 285.36 Tm (within thirt \(30\) days of the date of )Tj /T1_0 1 Tf 12.34 0 0 12.34 233.04 285.12 Tm (entr of )Tj /T1_1 1 Tf 11.35 0 0 11.35 271.44 285.36 Tm (this Decree)Tj 11.45 0 0 11.45 323.52 285.36 Tm (, and to each employee hired for a period )Tj EMC /P <>BDC 11.47 0 0 11.47 63.36 257.76 Tm (of five \(5\) years after that date, no later than the time the employee\ assumes responsibility with )Tj EMC /P <>BDC 11.52 0 0 11.52 63.36 230.4 Tm (respect to the collection of such debts, and shall secure )Tj /T1_2 1 Tf 7.82 0 0 7.82 318.96 230.4 Tm (ITom each such person, within thirt \(30\) )Tj EMC /P <>BDC /T1_1 1 Tf 11.43 0 0 11.43 63.6 203.28 Tm (days of delivery, a signed and dated statement acknowledging receipt of \ a copy of the notice: )Tj EMC /P <>BDC 11.47 0 0 11.47 167.76 175.92 Tm (Debt collectors must comply with the federal Fair Debt )Tj 11.51 0 0 11.51 167.76 162.48 Tm (Collection Practices Act)Tj 11.43 0 0 11.43 280.08 162.48 Tm (, which limits our activities in )Tj 13.27 0 0 13.27 167.52 146.4 Tm (tring to )Tj 11.35 0 0 11.35 209.52 148.32 Tm (collect money from consumers. )Tj EMC /P <>BDC 11.43 0 0 11.43 168 120.96 Tm (Most importantly, Section 805 of the Act says that you )Tj 11.45 0 0 11.45 167.76 107.28 Tm (may not contact a consumer at work if you know or )Tj EMC /P <>BDC /T1_2 1 Tf 8.23 0 0 8.23 216.96 70.08 Tm (Page 8 of 21\001 )Tj EMC ET endstream endobj 1783 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 /T1_2 1 Tf 10.48 0 0 10.48 228 755.52 Tm (Document 2 )Tj /T1_1 1 Tf 12.77 0 0 12.77 312.72 755.52 Tm (Filed 11/05/2007 )Tj /T1_0 1 Tf 11.72 0 0 11.72 418.8 755.52 Tm (Page 7 of 23 )Tj EMC /P <>BDC 10.45 0 0 10.45 128.64 681.84 Tm (Engaging in any other act or practice that would violate the FDCP A)Tj 9.31 0 0 9.31 441.84 681.84 Tm (, 15 U . )Tj EMC /P <>BDC 9.95 0 0 9.95 60.48 654.24 Tm (~ 1692, as attached and as hereafter amended. )Tj EMC /LI_Label <>BDC /T1_1 1 Tf 12.49 0 0 12.49 60 626.64 Tm (III.\001 )Tj EMC /LI_Title <>BDC 2.748 0 Td (NOTICE REQllIREMENTS )Tj 11.5 0 0 11.5 129.12 600 Tm (For a period of five \(5\) years from the date of )Tj /T1_2 1 Tf 7.92 0 0 7.92 341.52 599.52 Tm (entr of this Decree)Tj /T1_1 1 Tf 11.29 0 0 11.29 432.48 599.76 Tm (, Defendants LTD )Tj EMC /P <>BDC 11.38 0 0 11.38 60.48 572.88 Tm (Financial Services)Tj 10.85 0 0 10.85 145.2 572.64 Tm (, L.P.)Tj 11.5 0 0 11.5 169.68 572.64 Tm (, Timothy Feldman, Leonard Pruzansky, John Brewster)Tj /T1_0 1 Tf 9.69 0 0 9.69 425.28 572.4 Tm (, and )Tj /T1_2 1 Tf 9.27 0 0 9.27 449.52 572.64 Tm (Derrk Davis )Tj /T1_1 1 Tf 11.46 0 0 11.46 60.48 545.28 Tm (as well as their successors and assigns)Tj 11.81 0 0 11.81 236.4 545.28 Tm (, and their offcers)Tj 11.24 0 0 11.24 320.64 545.04 Tm (, agents)Tj 11.38 0 0 11.38 355.92 545.04 Tm (, servants)Tj /T1_0 1 Tf 9.88 0 0 9.88 399.6 544.8 Tm (, employees)Tj /T1_1 1 Tf 11.2 0 0 11.2 453.6 544.8 Tm (, and all )Tj 11.53 0 0 11.53 60.24 517.68 Tm (persons or entities in active concert or participation with any of them \ who receive actual notice of )Tj 11.48 0 0 11.48 60.48 490.32 Tm (this Decree by personal service or otherwise)Tj 11.4 0 0 11.4 264.72 490.56 Tm (, whether acting directly or through any business )Tj 11.44 0 0 11.44 60.72 463.2 Tm (entity, corporation)Tj 11.46 0 0 11.46 145.68 463.2 Tm (, subsidiary, division)Tj 12.17 0 0 12.17 241.92 463.44 Tm (, affliate)Tj 11.45 0 0 11.45 283.2 463.2 Tm (, or other device, in connection with acting as a )Tj EMC /P <>BDC -18.948 -2.39 Td (debt collector)Tj 11.53 0 0 11.53 129.12 435.84 Tm (" in the collection of a ")Tj 11.46 0 0 11.46 239.76 435.84 Tm (debt" from a ")Tj 11.37 0 0 11.37 305.28 435.84 Tm (consumer,)Tj 11.47 0 0 11.47 353.04 435.84 Tm (" as those terms are defined in )Tj 11.44 0 0 11.44 61.44 408.48 Tm (Section 803\(6\), \(5\) and \(3\), respectively, of the FDCPA)Tj /T1_0 1 Tf 10.35 0 0 10.35 317.28 408.48 Tm (, 15 U. )Tj /T1_1 1 Tf 11.42 0 0 11.42 357.84 408.24 Tm (C. ~ 1692a\(6\), \(5\) and \(3\), shall )Tj 11.47 0 0 11.47 61.2 380.88 Tm (make the following disclosure clearly and conspicuously on each written \ collection communication )Tj 11.48 0 0 11.48 61.2 353.76 Tm (that is sent to a consumer for the purpose of collecting a debt: )Tj EMC /P <>BDC 11.68 0 0 11.68 164.88 326.4 Tm (鶹ý law prohibits cerain methods of debt )Tj 11.51 0 0 11.51 164.88 312.96 Tm (collection)Tj 11.41 0 0 11.41 210.72 312.96 Tm (, and requires that we treat you fairly. )Tj 11.47 0 0 11.47 164.88 299.04 Tm (You can stop us from contacting you by )Tj 12.6 0 0 12.6 351.6 299.04 Tm (wrting )Tj 11.46 0 0 11.46 165.12 285.6 Tm (a letter to us that tells us to stop the contact. )Tj 11.5 0 0 11.5 165.36 271.68 Tm (Sending such a letter does not make the debt )Tj 11.57 0 0 11.57 165.12 258 Tm (go away if you owe it. Once we receive your letter )Tj 11.41 0 0 11.41 165.12 244.56 Tm (we may not contact you again)Tj 11.43 0 0 11.43 302.4 244.08 Tm (, except to let you )Tj 11.54 0 0 11.54 164.88 230.88 Tm (know that there won )Tj 11.43 0 0 11.43 263.52 230.64 Tm (t be any more contact or that )Tj EMC /P <>BDC /T1_0 1 Tf 10.42 0 0 10.42 165.12 217.2 Tm (we intend to take a specific action. )Tj EMC /P <>BDC /T1_1 1 Tf 11.43 0 0 11.43 165.12 189.6 Tm (If you have a complaint about the way we are )Tj 11.54 0 0 11.54 165.12 175.92 Tm (collecting this debt)Tj 11.44 0 0 11.44 253.68 176.16 Tm (, please write to our CONTACT )Tj 11.54 0 0 11.54 165.12 162 Tm (CENTER)Tj /T1_0 1 Tf 10.88 0 0 10.88 210.48 162.24 Tm (, \(curent physical addrss\), email us )Tj /T1_1 1 Tf 11.45 0 0 11.45 165.84 148.56 Tm (\(current email address\), or call us toll-)Tj /T1_0 1 Tf 10.47 0 0 10.47 341.28 148.56 Tm (free at \(current )Tj 10.36 0 0 10.36 165.12 134.88 Tm (phone number\) between 9:00 A.)Tj /T1_1 1 Tf 11.53 0 0 11.53 313.92 134.88 Tm (M. Central Time and )Tj EMC /LI_Label <>BDC 10.93 0 0 10.93 165.84 121.44 Tm (5:00)Tj EMC /LI_Title <>BDC ( P.)Tj 11.39 0 0 11.39 198 121.44 Tm (M. Central Time Monday - Friday. )Tj EMC /Artifact <>BDC /T1_2 1 Tf 8.13 0 0 8.13 260.88 70.08 Tm (Page 7 of 21\001 )Tj EMC ET endstream endobj 1784 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 /T1_2 1 Tf 10.48 0 0 10.48 228 755.52 Tm (Document 2 )Tj /T1_1 1 Tf 12.77 0 0 12.77 312.72 755.52 Tm (Filed 11/05/2007 )Tj /T1_0 1 Tf 11.72 0 0 11.72 418.8 755.52 Tm (Page 6 of 23 )Tj EMC /P <>BDC 10.29 0 0 10.29 163.68 680.88 Tm (cannot show that)Tj /T1_1 1 Tf 11.46 0 0 11.46 242.16 681.12 Tm (, at the time of the representation)Tj 11.4 0 0 11.4 394.08 681.12 Tm (, there is a reasonable )Tj /T1_0 1 Tf 11.12 0 0 11.12 164.16 653.76 Tm (likelihood that such action wil be taen)Tj /T1_1 1 Tf 11.58 0 0 11.58 348.24 653.76 Tm (, in violation of Section 807\(5\) of )Tj /T1_0 1 Tf 10.68 0 0 10.68 163.68 626.16 Tm (the FDCPA)Tj 10.27 0 0 10.27 217.92 626.16 Tm (, 15 U. )Tj /T1_2 1 Tf 7.86 0 0 7.86 258.48 626.16 Tm (C. ~ 1692e\(5\); )Tj EMC /P <>BDC /T1_1 1 Tf 11.49 0 0 11.49 163.92 598.8 Tm (Using false representations or deceptive means to collect or attempt to \ )Tj 0.021 -2.36 Td (collect a debt or obtain information concerning a consumer)Tj 11.6 0 0 11.6 436.56 571.68 Tm (, in violation of )Tj 11.44 0 0 11.44 164.64 544.56 Tm (Section 807\(10\) of the FDCPA)Tj /T1_0 1 Tf 10.12 0 0 10.12 307.68 544.56 Tm (, 15 U.S.)Tj /T1_2 1 Tf 8 0 0 8 348.24 544.56 Tm (c. ~ 1692e\(10\); )Tj EMC /P <>BDC /T1_1 1 Tf 11.48 0 0 11.48 129.84 517.2 Tm (Communicating with a consumer at any unusual time or place or a time or \ place )Tj -5.937 -2.383 Td (known or which should be known by Defendants as inconvenient to the cons\ umer)Tj /T1_0 1 Tf 10.68 0 0 10.68 438.24 489.84 Tm (, including, but )Tj /T1_2 1 Tf 7.29 0 0 7.29 61.44 462.48 Tm (not limited to)Tj /T1_0 1 Tf 10.12 0 0 10.12 123.6 462.72 Tm (, the consumer )Tj /T1_1 1 Tf 11.39 0 0 11.39 194.88 462.48 Tm (s place of employment)Tj 11.48 0 0 11.48 298.8 462.72 Tm (, when Defendants know or should know that )Tj /T1_0 1 Tf 10.32 0 0 10.32 61.92 434.64 Tm (such communications are inconvenient)Tj /T1_1 1 Tf 11.47 0 0 11.47 240.48 434.88 Tm (, in violation of Section 805\(a\)\(1\) of the FDCPA, 15 U. )Tj EMC /P <>BDC 11 0 0 11 71.76 407.28 Tm (1692c\(a\)\(1\); )Tj EMC /P <>BDC 11.46 0 0 11.46 130.56 380.16 Tm (Engaging in any conduct the natural consequence of which is to harass)Tj 11.14 0 0 11.14 455.76 379.92 Tm (, oppress)Tj 11.16 0 0 11.16 496.32 379.92 Tm (, or )Tj 11.97 0 0 11.97 62.16 352.8 Tm (abuse any peron)Tj 11.31 0 0 11.31 140.64 352.8 Tm (, in violation of Section 806 of the FDCP A)Tj /T1_0 1 Tf 9.38 0 0 9.38 338.64 353.04 Tm (, 15 U . )Tj 10.73 0 0 10.73 378.96 352.8 Tm (c. ~ I 692d)Tj /T1_1 1 Tf 11.4 0 0 11.4 430.08 352.8 Tm (, including, but not )Tj 11.13 0 0 11.13 62.4 325.2 Tm (limited to: )Tj EMC /P <>BDC 11.45 0 0 11.45 165.12 298.08 Tm (Using obscene or profane language)Tj 11.52 0 0 11.52 327.6 298.08 Tm (, or language the natural consequence of )Tj 11.49 0 0 11.49 165.6 270.96 Tm (which is to abuse the hearer)Tj 11.45 0 0 11.45 294 270.96 Tm (, in violation of Section 806\(2\) of the FDCPA )Tj 10.69 0 0 10.69 166.8 243.36 Tm (15 D. )Tj /T1_2 1 Tf 7.89 0 0 7.89 200.88 243.12 Tm (C. ~ 1692d\(2\); )Tj /T1_1 1 Tf 11.47 0 0 11.47 165.6 215.76 Tm (Causing a telephone to ring, or engaging a person in telephone )Tj 11.44 0 0 11.44 165.6 188.64 Tm (conversations)Tj 11.47 0 0 11.47 229.44 188.4 Tm (, repeatedly or continuously, with intent to )Tj /T1_2 1 Tf 8.91 0 0 8.91 427.2 188.4 Tm (anoy, abuse)Tj /T1_1 1 Tf 10.98 0 0 10.98 486.96 188.4 Tm (, or )Tj 11.43 0 0 11.43 165.6 161.28 Tm (harass)Tj 11.45 0 0 11.45 195.12 161.28 Tm (, in violation of Section 806\(5\) of the FDCPA)Tj /T1_0 1 Tf 10.19 0 0 10.19 406.32 161.52 Tm (, 15 D. )Tj /T1_2 1 Tf 7.91 0 0 7.91 446.4 161.04 Tm (C. ~ 1692d\(5\); )Tj /T1_1 1 Tf 11.47 0 0 11.47 165.84 134.16 Tm (and )Tj EMC /Artifact <>BDC /T1_2 1 Tf 8.23 0 0 8.23 260.4 69.12 Tm (Page 6 of 21\001 )Tj EMC ET endstream endobj 1785 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 /T1_2 1 Tf 10.48 0 0 10.48 228 755.52 Tm (Document 2 )Tj /T1_1 1 Tf 12.77 0 0 12.77 312.72 755.52 Tm (Filed 11/05/2007 )Tj /T1_0 1 Tf 11.72 0 0 11.72 418.8 755.52 Tm (Page 5 of 23 )Tj EMC /P <>BDC /T1_1 1 Tf 11.47 0 0 11.47 128.88 680.88 Tm (Making any material misrepresentation, expressly or by implication, to c\ ollect or to )Tj -6.005 -2.364 Td (attempt to collect a debt or obtain information concerning a consumer; )Tj 11.64 0 0 11.64 245.52 626.4 Tm (Violatine FDCP )Tj EMC /P <>BDC /T1_0 1 Tf 10.38 0 0 10.38 129.6 599.28 Tm (Except as provided in Section 804 of the FDCP A)Tj /T1_1 1 Tf 11.37 0 0 11.37 357.12 599.28 Tm (, communicating with any person )Tj 11.53 0 0 11.53 60.48 571.68 Tm (other than the consumer)Tj 11.46 0 0 11.46 172.08 572.16 Tm (, the attorney of the consumer)Tj 11.38 0 0 11.38 309.12 571.92 Tm (, a consumer reporting agency if otherwise )Tj /T1_0 1 Tf 10.65 0 0 10.65 60.24 544.08 Tm (permitted by law)Tj /T1_1 1 Tf 11.48 0 0 11.48 138.72 544.56 Tm (, the creditor)Tj 11.37 0 0 11.37 197.76 544.56 Tm (, the attorney of the creditor)Tj 11.44 0 0 11.44 325.2 544.32 Tm (, or the attorney of the debt collector)Tj 10.89 0 0 10.89 492.72 544.56 Tm (, in )Tj 11.54 0 0 11.54 60.48 516.72 Tm (connection with the collection of a debt)Tj 11.47 0 0 11.47 243.6 517.2 Tm (, unless Defendants have the prior consent of the consumer )Tj 11.45 0 0 11.45 60.72 489.36 Tm (given directly to Defendants)Tj 11.49 0 0 11.49 191.76 489.6 Tm (, or the express permission of a court of competent jurisdiction)Tj 10.8 0 0 10.8 480.48 489.6 Tm (, or )Tj EMC /P <>BDC /T1_0 1 Tf 10.37 0 0 10.37 60.72 462 Tm (Defendants can show that such communication is reasonably necessar to ef\ fectuate a post )Tj EMC /P <>BDC /T1_1 1 Tf 11.51 0 0 11.51 60 434.64 Tm (judgment judicial remedy, in violation of Section 805\(b\) of the FDCPA,\ 15 U.S.)Tj /T1_2 1 Tf 7.83 0 0 7.83 431.04 435.12 Tm (C. ~ 1692c\(b\); )Tj EMC /P <>BDC /T1_1 1 Tf 11.42 0 0 11.42 130.32 407.52 Tm (Using any false)Tj /T1_0 1 Tf 10.12 0 0 10.12 202.32 407.76 Tm (, deceptive)Tj /T1_1 1 Tf 11.45 0 0 11.45 252 407.76 Tm (, or misleading representations or means in connection )Tj 11.48 0 0 11.48 61.44 380.16 Tm (with the collection of any debt)Tj 11.46 0 0 11.46 201.84 380.4 Tm (, in violation of Section 807 of the FDCPA)Tj /T1_0 1 Tf 10.18 0 0 10.18 399.6 380.16 Tm (, 15 U.S.)Tj /T1_2 1 Tf 7.85 0 0 7.85 440.4 380.16 Tm (C. ~ 1692e, )Tj /T1_0 1 Tf 10.81 0 0 10.81 61.92 352.8 Tm (including, but not limited to: )Tj EMC /P <>BDC /T1_1 1 Tf 11.47 0 0 11.47 165.36 325.2 Tm (Representing or implying that nonpayment of a debt )Tj 12.48 0 0 12.48 408 325.2 Tm (wil result )Tj 11.29 0 0 11.29 457.92 325.2 Tm (in the arrest )Tj 11.43 0 0 11.43 165.6 297.6 Tm (or imprisonment of any person or the seizure)Tj /T1_0 1 Tf 10.34 0 0 10.34 371.52 297.6 Tm (, garnishment)Tj /T1_1 1 Tf 11.34 0 0 11.34 434.64 297.84 Tm (, attachment)Tj 4.931 -0.021 Td (, or )Tj 11.37 0 0 11.37 165.6 270.72 Tm (sale of any property or wages of any person)Tj 11.47 0 0 11.47 365.04 270.48 Tm (, unless at the time of the )Tj -17.388 -2.385 Td (representation, such action is lawful and Defendants or the creditor int\ end to )Tj 11.59 0 0 11.59 165.6 215.76 Tm (take such action)Tj 11.45 0 0 11.45 240.72 215.76 Tm (, in violation of Section 807\(4\) of the FDCPA)Tj /T1_0 1 Tf 10.27 0 0 10.27 451.44 215.52 Tm (, 15 U. )Tj EMC /P <>BDC /T1_2 1 Tf 7.93 0 0 7.93 166.32 188.4 Tm (~ 1692e\(4\);\001 )Tj EMC /P <>BDC /T1_1 1 Tf 11.59 0 0 11.59 165.84 161.04 Tm [(Representing or implying that any action wil be taken)-38(, unless at the time of )]TJ /T1_0 1 Tf 10.24 0 0 10.24 165.84 134.16 Tm (the representation)Tj /T1_1 1 Tf 11.43 0 0 11.43 248.88 133.92 Tm (, such action is lawful and Defendants or the creditor )Tj 11.48 0 0 11.48 166.56 106.8 Tm (intend to take such action)Tj /T1_0 1 Tf 10.23 0 0 10.23 284.4 106.32 Tm (, or that any action may be taken when Defendants )Tj EMC /Artifact <>BDC /T1_2 1 Tf 8.13 0 0 8.13 261.6 68.88 Tm (Page 5 of 21\001 )Tj EMC ET endstream endobj 1786 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 /T1_2 1 Tf 10.48 0 0 10.48 228 755.52 Tm (Document 2 )Tj /T1_1 1 Tf 12.77 0 0 12.77 312.72 755.52 Tm (Filed 11/05/2007 )Tj /T1_0 1 Tf 11.72 0 0 11.72 418.8 755.52 Tm (Page 4 of 23 )Tj EMC /P <>BDC /T1_1 1 Tf 11.49 0 0 11.49 129.12 681.36 Tm (Proceedings initiated under this Paragraph are in addition to)Tj 11.52 0 0 11.52 405.6 681.36 Tm (, and not in lieu of)Tj 11.23 0 0 11.23 489.36 681.6 Tm (, any )Tj 11.45 0 0 11.45 60.72 653.52 Tm (other civil or criminal penalties that may be provided by law)Tj 11.41 0 0 11.41 338.4 653.76 Tm (, including any other proceedings the )Tj 11.44 0 0 11.44 60.72 626.16 Tm (Plaintiff may initiate to enforce this Decree. )Tj EMC /LI_Label <>BDC 12.05 0 0 12.05 60.96 598.32 Tm (II. )Tj EMC /LI_Title <>BDC 12.08 0 0 12.08 95.28 598.56 Tm (INJUNCTION )Tj EMC /P <>BDC 11.45 0 0 11.45 95.28 571.68 Tm (Defendants LTD Financial Services, L.P.)Tj /T1_0 1 Tf 10.55 0 0 10.55 285.6 571.92 Tm (, Timothy Feldman)Tj 10.59 0 0 10.59 373.44 571.68 Tm (, Leonard Pruansky, John )Tj /T1_1 1 Tf 11.37 0 0 11.37 61.2 544.32 Tm (Brewster)Tj 11.54 0 0 11.54 102.72 544.56 Tm (, and Derrek Davis, as well as their successors and assigns, and their o\ ffcers, agents, )Tj 11.48 0 0 11.48 61.44 517.2 Tm (servants, employees, and all persons or entities in active concert or )Tj /T1_2 1 Tf 7.68 0 0 7.68 371.04 517.44 Tm (paricipation with any of )Tj /T1_1 1 Tf 11.28 0 0 11.28 486.24 517.44 Tm (them )Tj 11.45 0 0 11.45 61.68 490.08 Tm (who receive actual notice of this Decree by personal service or otherwis\ e)Tj 11.34 0 0 11.34 397.2 490.32 Tm (, whether acting directly )Tj 11.45 0 0 11.45 61.44 462.96 Tm (or through any business entity, corporation)Tj 11.35 0 0 11.35 258.96 463.2 Tm (, subsidiary, division)Tj 11.6 0 0 11.6 354.72 463.2 Tm (, affliate, or other device)Tj 11.08 0 0 11.08 469.68 462.96 Tm (, in )Tj 11.48 0 0 11.48 61.68 435.36 Tm (connection with acting as a ")Tj 11.58 0 0 11.58 194.88 435.6 Tm (debt collector)Tj 11.53 0 0 11.53 257.52 435.84 Tm (" in the collection of a ")Tj 11.59 0 0 11.59 367.92 435.6 Tm (debt" from a ")Tj 11.3 0 0 11.3 433.92 435.36 Tm (consumer )Tj 11.27 0 0 11.27 480.96 435.6 Tm (" as )Tj 11.47 0 0 11.47 61.68 408 Tm (those terms are defined in Section 803\(6\), \(5\) and \(3\), respective\ ly, of the FDCPA)Tj /T1_0 1 Tf 10.1 0 0 10.1 439.68 407.76 Tm (, 15 U. )Tj /T1_1 1 Tf 11.42 0 0 11.42 62.64 380.4 Tm (~ 1692a\(6\), \(5\) and \(3\), are hereby permanently restrained and enj\ oined from taking the following )Tj 11.19 0 0 11.19 62.4 353.04 Tm (actions: )Tj EMC /P <>BDC 12.48 0 0 12.48 242.16 325.68 Tm (Violatine FTC Act )Tj EMC /P <>BDC 11.45 0 0 11.45 131.28 298.32 Tm (Misrepresenting to consumers)Tj 11.33 0 0 11.33 270.48 298.32 Tm (, expressly or by implication)Tj 11.06 0 0 11.06 400.56 298.32 Tm (, that: )Tj EMC /P <>BDC 11.68 0 0 11.68 165.12 271.2 Tm (Nonpayment of a debt wil result in garnishment of )Tj 11.37 0 0 11.37 404.16 271.44 Tm (a consumer )Tj 11.17 0 0 11.17 460.08 271.2 Tm (s wages; )Tj EMC /P <>BDC 11.69 0 0 11.69 165.36 243.84 Tm (Nonpayment of a debt wil result in a consumer )Tj /T1_0 1 Tf 11.02 0 0 11.02 388.8 244.08 Tm (s propert being )Tj /T1_1 1 Tf 11.46 0 0 11.46 465.36 243.84 Tm (seized or )Tj EMC /P <>BDC 12.06 0 0 12.06 166.08 216.48 Tm (attched or in a consumer )Tj /T1_0 1 Tf 10.47 0 0 10.47 288.48 216.48 Tm (s arest; and )Tj EMC /P <>BDC /T1_1 1 Tf 11.72 0 0 11.72 165.84 188.88 Tm (Legal action wil be taken against a )Tj 11.29 0 0 11.29 331.44 188.88 Tm (consumer; )Tj EMC /P <>BDC 11.43 0 0 11.43 132 162 Tm (Making a misrepresentation to consumers)Tj 11.4 0 0 11.4 324 161.76 Tm (, expressly or by implication)Tj /T1_0 1 Tf 10.05 0 0 10.05 454.56 161.76 Tm (, about the )Tj /T1_1 1 Tf 11.43 0 0 11.43 62.88 134.4 Tm (consequences of paying or not paying a debt)Tj 11.32 0 0 11.32 266.88 134.64 Tm (, in whole or in part; )Tj EMC /Artifact <>BDC /T1_2 1 Tf 8.07 0 0 8.07 261.84 69.36 Tm (Page 4 of 21\001 )Tj EMC ET endstream endobj 1787 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 /T1_2 1 Tf 10.48 0 0 10.48 228 755.52 Tm (Document 2 )Tj /T1_1 1 Tf 12.77 0 0 12.77 312.72 755.52 Tm (Filed 11/05/2007 )Tj /T1_0 1 Tf 11.72 0 0 11.72 418.8 755.52 Tm (Page 3 of 23 )Tj EMC /P <>BDC /T1_1 1 Tf 11.46 0 0 11.46 129.6 680.88 Tm (The parties shall each bear their own costs and attorneys )Tj 11.38 0 0 11.38 389.76 681.12 Tm (' fees incurred in this )Tj /T1_2 1 Tf 8.12 0 0 8.12 60.96 653.28 Tm (action. Defendants have )Tj /T1_1 1 Tf 11.5 0 0 11.5 177.84 653.28 Tm (waived all claims under the Equal Access to Justice Act)Tj 10.93 0 0 10.93 435.6 653.52 Tm (, 28 U. )Tj /T1_0 1 Tf 9.84 0 0 9.84 61.68 626.16 Tm (~ 2412. )Tj EMC /P <>BDC /T1_1 1 Tf 12.21 0 0 12.21 95.76 598.32 Tm (CIVIL PENALTY )Tj EMC /P <>BDC 11.42 0 0 11.42 130.32 571.68 Tm (Defendant LTD Financial Services, L.P.)Tj 11.48 0 0 11.48 315.6 571.92 Tm (, its successors and assigns)Tj 11.22 0 0 11.22 439.68 571.44 Tm (, shall pay to )Tj 11.59 0 0 11.59 61.44 544.8 Tm (Plaintiff a civil penalty, pursuant to Section 5\(m\)\(l\)\(A\) of the F\ TC Act)Tj /T1_0 1 Tf 10.63 0 0 10.63 389.52 544.56 Tm (, 15 V. )Tj /T1_1 1 Tf 11.65 0 0 11.65 430.32 544.56 Tm (C. ~ 45\(m\)\(l\)\(A\), )Tj 11.79 0 0 11.79 61.68 517.2 Tm (in the amount of one milion)Tj /T1_0 1 Tf 10.1 0 0 10.1 193.44 517.2 Tm (, three hundred seventy-)Tj 10.42 0 0 10.42 303.6 517.2 Tm (five thousand dollars \($1 )Tj /T1_1 1 Tf 10.84 0 0 10.84 421.92 516.96 Tm (375,)Tj 11.06 0 0 11.06 441.84 517.2 Tm (000\). )Tj EMC /P <>BDC 11.46 0 0 11.46 130.56 489.84 Tm (Defendant LTD Financial Services)Tj 11.4 0 0 11.4 291.36 490.08 Tm (, L.P. shall make the payment required by this )Tj 11.47 0 0 11.47 61.92 462.48 Tm (Paragraph on or before the tenth day following )Tj /T1_0 1 Tf 12.34 0 0 12.34 279.84 462.72 Tm (entr of )Tj 10.48 0 0 10.48 318.24 462.72 Tm (this Decree. Such payment shall )Tj 10.2 0 0 10.2 471.36 462.48 Tm (be by )Tj /T1_1 1 Tf 11.5 0 0 11.5 61.92 435.12 Tm (electronic fund transfer in accordance with the )Tj /T1_2 1 Tf 7.58 0 0 7.58 278.64 435.36 Tm (instrctions to be )Tj /T1_1 1 Tf 11.85 0 0 11.85 360.48 435.12 Tm (provided by the Offce )Tj 11.47 0 0 11.47 62.16 408 Tm (Consumer Litigation)Tj 11.43 0 0 11.43 157.92 408.24 Tm (, Civil Division)Tj 10.76 0 0 10.76 229.44 408 Tm (, U.)Tj 11.49 0 0 11.49 246.48 408 Tm (S. Department of Justice, Washington)Tj 10.59 0 0 10.59 421.2 408 Tm (, D.)Tj 11.27 0 0 11.27 437.76 408 Tm (C. 20530. )Tj EMC /P <>BDC 11.38 0 0 11.38 131.28 380.64 Tm (In the event of any default in payment)Tj 11.57 0 0 11.57 305.76 380.88 Tm (, which default continues for ten \(l0\) days )Tj 11.49 0 0 11.49 62.16 353.04 Tm (beyond the due date of payment)Tj 11.37 0 0 11.37 209.52 353.28 Tm (, the entire unpaid amount)Tj 11.47 0 0 11.47 329.28 353.52 Tm (, together with interest, as computed )Tj /T1_0 1 Tf 9.99 0 0 9.99 62.16 325.68 Tm (pursuant to 28 U . )Tj /T1_1 1 Tf 11.45 0 0 11.45 152.16 326.16 Tm (C. ~ 1961 from the date of default to the date of payment, shall immedia\ tely )Tj /T1_0 1 Tf 9.99 0 0 9.99 62.64 298.56 Tm (become due and payable. )Tj EMC /P <>BDC /T1_1 1 Tf 11.49 0 0 11.49 131.76 271.44 Tm (This judgment represents a civil penalty owed to the Vnited States Gover\ nment and )Tj 11.54 0 0 11.54 62.88 243.84 Tm (is not compensation for actual pecuniary loss. The Defendants agree that\ the facts as alleged in the )Tj 11.7 0 0 11.7 62.88 216.48 Tm (Complaint fied in this action shall be taken )Tj 11.19 0 0 11.19 266.88 216.48 Tm (as true)Tj 11.62 0 0 11.62 297.12 216.48 Tm (, without further proof)Tj 11.34 0 0 11.34 400.32 216.48 Tm (, in any subsequent )Tj 11.71 0 0 11.71 63.12 189.12 Tm (litigation fied by or on behalf of the )Tj 11.46 0 0 11.46 233.52 189.36 Tm (Commission to collect any unpaid amount or otherwise )Tj 11.5 0 0 11.5 62.88 161.76 Tm (enforce its rights pursuant to this Decree)Tj 11.42 0 0 11.42 250.08 161.76 Tm (, including a nondischargeability complaint filed in any )Tj 12.88 0 0 12.88 63.12 134.16 Tm (bankrptcy )Tj 10.59 0 0 10.59 117.84 134.16 Tm (case. )Tj EMC /Artifact <>BDC /T1_2 1 Tf 8.13 0 0 8.13 261.6 69.6 Tm (Page 3 of 21\001 )Tj EMC ET endstream endobj 1788 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 /T1_2 1 Tf 10.48 0 0 10.48 228 755.52 Tm (Document 2 )Tj /T1_1 1 Tf 12.77 0 0 12.77 312.72 755.52 Tm (Filed 11/05/2007 )Tj /T1_0 1 Tf 11.72 0 0 11.72 418.8 755.52 Tm (Page 2 of 23 )Tj EMC /P <>BDC /T1_1 1 Tf 11.46 0 0 11.46 61.68 681.84 Tm (from the Complaint to the date of entry of the Order and without Defenda\ nts admitting any of the )Tj 11.48 0 0 11.48 61.68 654.24 Tm (matters alleged in the Complaint other than jurisdictional facts; )Tj EMC /P <>BDC 11.42 0 0 11.42 96 626.64 Tm (THEREFORE)Tj 11.49 0 0 11.49 162.72 626.88 Tm (, on the joint motion of Plaintiff and Defendants)Tj 11.35 0 0 11.35 384.72 626.64 Tm (, it is hereby ORDERED )Tj 11.45 0 0 11.45 61.92 599.52 Tm (ADJUDGED, and DECREED as follows: )Tj EMC /P <>BDC 11.48 0 0 11.48 130.8 572.16 Tm (This Court has jurisdiction of the subject matter and of the parties. )Tj EMC /P <>BDC 0 -2.362 TD (The Complaint states a claim upon which relief may be granted against th\ e )Tj 11.59 0 0 11.59 62.16 517.44 Tm (Defendants under Sections 5\(a\), 5\(m\)\(l\)\(A\), 13\(b\), and 16\(a\)\ of the )Tj 11.42 0 0 11.42 376.56 517.68 Tm (鶹ý Trade Commission )Tj 11.53 0 0 11.53 62.16 490.56 Tm (Act \(")Tj 11.46 0 0 11.46 90.48 490.56 Tm (FTC Act")Tj 11.08 0 0 11.08 136.08 490.56 Tm (\), 15 U. )Tj 11.71 0 0 11.71 208.32 490.8 Tm (45\(a\), 45\(m\)\(l\)\(A\), 53b)Tj 11.46 0 0 11.46 318.96 490.8 Tm (, and 56\(a\), and Section 814 of the Fair)Tj EMC /LI_Label <>BDC 5 0 0 5 180.72 490.56 Tm (C. )Tj EMC /P <>BDC 23.424 -5.376 Td (C.)Tj 11.53 0 0 11.53 62.16 463.2 Tm (Debt Collection Practices Act \(")Tj 11.5 0 0 11.5 211.44 463.68 Tm (FDCPA")Tj /T1_0 1 Tf 10.57 0 0 10.57 253.68 463.68 Tm (\), 15 V. )Tj /T1_1 1 Tf 11.75 0 0 11.75 321.12 463.44 Tm (1692/. A complete copy ofthe FDCPA )Tj EMC /TH <>BDC 10.59 0 0 10.59 63.6 435.84 Tm (15 V. )Tj EMC /TH <>BDC 5 0 0 5 96.96 435.84 Tm (C. )Tj EMC /TH <>BDC 4.656 0 Td (1692 )Tj EMC /TH <>BDC 10.99 0 0 10.99 144.96 435.84 Tm (et seq. )Tj EMC /TH <>BDC /T1_0 1 Tf 11.27 0 0 11.27 180.24 435.84 Tm (is attched. )Tj EMC /TD <>BDC /T1_1 1 Tf 11.51 0 0 11.51 131.04 408.48 Tm (Venue in this district is proper under 28 U.S.)Tj 5 0 0 5 338.64 408.24 Tm (c. )Tj EMC /TD <>BDC /T1_2 1 Tf 8.03 0 0 8.03 367.44 408.24 Tm (1391\(b-c\) and 1395\(a\) and 15 )Tj EMC /TD <>BDC /T1_1 1 Tf 5 0 0 5 83.04 381.12 Tm (c. )Tj EMC /TD <>BDC 11.13 0 0 11.13 104.88 381.36 Tm (53\(b\). )Tj EMC /TD <>BDC 11.5 0 0 11.5 131.52 354 Tm (The activities of Defendants are in or affecting commerce as ")Tj 11.29 0 0 11.29 417.6 354 Tm (commerce)Tj 11.49 0 0 11.49 465.12 353.76 Tm (" is defined )Tj EMC /P <>BDC 5 0 0 5 231.6 326.64 Tm (C.)Tj EMC /StyleSpan <>BDC 11.49 0 0 11.49 62.88 326.4 Tm (in Section 4 of the FTC Act)Tj EMC /P <>BDC /T1_2 1 Tf 5 0 0 5 191.04 326.64 Tm (, 15 )Tj /T1_1 1 Tf 10.75 0 0 10.75 253.2 327.12 Tm (44. )Tj EMC /P <>BDC 11.51 0 0 11.51 131.76 298.8 Tm (For purposes of this Consent Decree \(")Tj 11.19 0 0 11.19 311.52 299.04 Tm (Decree )Tj 11.43 0 0 11.43 349.2 298.8 Tm (\), the definitions set forth in the )Tj 10.5 0 0 10.5 62.88 271.68 Tm (FDCP A)Tj /T1_0 1 Tf 10.06 0 0 10.06 99.6 271.44 Tm (, 15 U.S. )Tj /T1_1 1 Tf 11.1 0 0 11.1 162.96 271.68 Tm (1692a)Tj /T1_0 1 Tf 10.32 0 0 10.32 191.04 271.68 Tm (, shall apply.)Tj EMC /LI_Label <>BDC /T1_1 1 Tf 5 0 0 5 140.16 271.68 Tm (c. )Tj EMC /P <>BDC 11.45 0 0 11.45 131.76 244.32 Tm (Entry of this Decree is in the public interest. )Tj EMC /P <>BDC 11.55 0 0 11.55 131.76 216.96 Tm (Defendants stipulate to the entry ofthis Decree freely and without coerc\ ion. )Tj 11.46 0 0 11.46 63.12 189.36 Tm (Defendants further acknowledge that they have read the provisions of thi\ s Decree and are prepared )Tj 11.37 0 0 11.37 62.88 162 Tm (to abide by them. )Tj EMC /P <>BDC 11.47 0 0 11.47 132 135.12 Tm (All parties hereby waive all rights to appeal or otherwise challenge or \ contest the )Tj 11.34 0 0 11.34 63.12 108 Tm (validity of this Decree. )Tj EMC /P <>BDC /T1_2 1 Tf 8.2 0 0 8.2 260.88 70.08 Tm (Page 2 of 21\001 )Tj EMC ET endstream endobj 1789 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 /T1_2 1 Tf 10.48 0 0 10.48 228 755.52 Tm (Document 2 )Tj /T1_1 1 Tf 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 12.37 0 0 12.37 450.24 755.52 Tm (1 of 23 )Tj EMC /P <>BDC /T1_0 1 Tf 11.73 0 0 11.73 191.04 682.08 Tm (UNITED STATES DISTRICT COURT\001 )Tj 11.64 0 0 11.64 170.16 668.64 Tm (FOR THE SOUTHERN DISTRICT OF TEXAS\001 )Tj EMC /P <>BDC /T1_1 1 Tf 12.04 0 0 12.04 231.6 654.48 Tm (HOUSTON DIVISION )Tj EMC /P <>BDC 11.38 0 0 11.38 61.68 599.76 Tm (UNITED STATES OF AMERICA )Tj EMC /P <>BDC 11.86 0 0 11.86 164.88 573.12 Tm (Plaintiff )Tj EMC /P <>BDC 11.44 0 0 11.44 340.8 546 Tm (Civil Action No. )Tj 11.31 0 0 11.31 62.16 518.4 Tm (LTD FINANCIAL SERVICES, L.P. )Tj /T1_2 1 Tf 16.8 0 0 16.8 374.4 517.2 Tm (H-o?-- sJ'f/ )Tj /T1_1 1 Tf 11.3 0 0 11.3 62.4 491.04 Tm (TIMOTHY FELDMAN, )Tj 11.41 0 0 11.41 62.64 463.68 Tm (LEONARD PRUZANSKY )Tj 0 -2.398 TD (JOHN BREWSTER)Tj 10.99 0 0 10.99 156 436.56 Tm (, and )Tj EMC /P <>BDC /T1_0 1 Tf 12.25 0 0 12.25 62.64 408.96 Tm (DERRK DAVIS )Tj EMC /P <>BDC /T1_1 1 Tf 11.24 0 0 11.24 165.84 381.36 Tm (Defendants. )Tj EMC /P <>BDC 12.15 0 0 12.15 236.88 313.44 Tm (CONSENT DECREE )Tj EMC /P <>BDC 11.6 0 0 11.6 97.44 286.32 Tm (WHEREAS, Plaintiff)Tj 11.46 0 0 11.46 196.56 286.32 Tm (, the United States of America)Tj 11.43 0 0 11.43 335.76 286.32 Tm (, has commenced this action by filing )Tj /T1_0 1 Tf 10.37 0 0 10.37 63.12 258.96 Tm (the Complaint herein; Defendants L TD Financial Services)Tj /T1_1 1 Tf 11.07 0 0 11.07 330.96 258.96 Tm (, L.P.)Tj 11.35 0 0 11.35 356.16 258.96 Tm (, Timothy Feldman)Tj 11.15 0 0 11.15 444.24 258.96 Tm (, Leonard )Tj 11.41 0 0 11.41 63.6 231.36 Tm (Pruzansky, John Brewster)Tj 11.84 0 0 11.84 183.12 231.6 Tm (, and Derek Davis \(")Tj 11.39 0 0 11.39 280.8 231.6 Tm (Defendants )Tj 11.43 0 0 11.43 338.64 231.6 Tm (\) have waived service of the Summons )Tj 11.42 0 0 11.42 63.6 204.24 Tm (and Complaint; the parties have been represented by the attorneys whose \ names appear hereafter; )Tj 11.61 0 0 11.61 63.84 176.64 Tm (and the paries have agreed to settlement ofthis action upon the followin\ g terms and conditions )Tj 11.43 0 0 11.43 63.84 149.04 Tm (without adjudication of any issue of fact or law)Tj 11.48 0 0 11.48 280.08 149.04 Tm (, to settle and resolve all matters in dispute arising )Tj EMC /Artifact <>BDC 11.7 0 0 11.7 260.88 70.8 Tm (Page 1 of 21 )Tj EMC ET endstream endobj 1790 0 obj <> endobj 1791 0 obj <>stream 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