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Tj /F8 11.09 Tf -393.60 -25.44 TD (and Maureen Gaviola \(hereinafter ") Tj /F8 10.96 Tf 158.88 0.24 TD (Defendants) Tj /F8 11.07 Tf -125.28 -25.20 TD (The Commission and Defendants submit the following Stipulated Judgment to resolve) Tj /F8 11.11 Tf -33.84 -25.20 TD (this action with respect to Consumer Credit Consolidation) Tj /F8 11.21 Tf 258.96 -.48 TD (, Inc. and Maureen Gaviola. The) Tj /F8 11.13 Tf -258.48 -56.64 TD (I The remaining four defendants named in the Amended Complaint, Randall L. Leshin) Tj /F7 9.73 Tf 386.40 -4.08 TD (, Randall) Tj /F8 10.96 Tf -386.88 -12.48 TD (L. Leshin) Tj /F8 10.28 Tf 42.96 0.00 TD (, P.) Tj /F8 11.07 Tf 25.44 -.24 TD (, Express Consolidation, Inc., and Charles Ferdon) Tj /F9 5.00 Tf 220.32 0.00 TD (, are ) Tj /F8 10.71 Tf 21.84 0.00 TD (not) Tj /F7 10.46 Tf 16.56 0.00 TD (paries to this) Tj /F8 11.05 Tf -326.88 -12.72 TD (Stipulated Injunction and Order and) Tj /F8 11.04 Tf 159.84 0.24 TD (, with the exception of the caption) Tj /F8 10.99 Tf 151.20 -.24 TD (, references to Defendants) Tj /F8 11.04 Tf -311.28 -12.24 TD (herein do not include these parties.) 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Tj /F15 11.16 Tf -402.96 -24.72 TD (and Maureen Gaviola arising from the conduct alleged in the Amended Complaint. Defendants) Tj /F15 11.37 Tf -.24 -25.20 TD (deny any wrongdoing or liabilty.) Tj /F15 11.09 Tf 33.60 -25.44 TD (Upon the joint motion of the Commission and Defendants Consumer Credit) Tj /F15 11.08 Tf -33.60 -25.44 TD (Consolidation) Tj /F15 11.14 Tf 63.12 0.00 TD (, Inc. and Maureen Gaviola) Tj /F15 11.02 Tf 122.16 0.00 TD (, the Court makes the following findings and enters) Tj /F14 10.41 Tf -186.72 -25.20 TD (judgment in this action as follows:) Tj /F15 11.57 Tf 166.32 -25.20 TD (FINDINGS OF FACT) Tj /F15 11.08 Tf -131.28 -24.96 TD (This Court has jurisdiction over the subject matter of this case and Defendants Consumer) Tj /F15 11.11 Tf 0.00 -25.44 TD (Credit Consolidation) Tj /F15 11.06 Tf 93.84 0.00 TD (, Inc. and Maureen Gaviola admit that this Court has subject matter) Tj /F15 11.21 Tf -95.28 -25.44 TD (jurisdiction of this action.) Tj /F15 11.08 Tf 0.96 -25.20 TD (The activities of Defendants, as alleged in the Amended Complaint, are in or affecting) Tj /F15 11.11 Tf 0.00 -25.20 TD (commerce within the meaning of the FTC Act) Tj /F14 9.86 Tf 205.68 -.48 TD (, 15 U.) Tj /F15 10.89 Tf 38.64 0.00 TD (C. gg 44) Tj /F15 10.42 Tf 37.92 0.24 TD (, 45.) Tj /F15 11.08 Tf -282.24 -24.96 TD (The Amended Complaint states a claim upon which relief may be granted against) Tj /F14 10.16 Tf 0.00 -25.20 TD (Defendants under Sections 5\(a\), l3\(b\), and 19 of the FTC Act) Tj /F14 9.86 Tf 275.04 -.48 TD (, 15 U.) Tj /F15 5.00 Tf 38.88 0.00 TD (C. ) Tj /F15 10.80 Tf 19.20 -.24 TD (g 45\(a\), 53\(b\),) Tj /F14 9.83 Tf -333.36 -24.72 TD (and 57b) Tj /F15 11.14 Tf 36.24 0.00 TD (, and the Telemarketing and Consumer fraud and Abuse Prevention Act) Tj /F15 10.24 Tf 320.40 -.48 TD (, 15) Tj /F15 11.12 Tf -336.72 -24.72 TD (C. gg 6101-) Tj /F15 10.67 Tf 53.52 0.00 TD (6108.) 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ADAB",! ֿKW_ m-QUi *&$j?;43DR\&Dgd)` "̉T`r22@drZv &@ ꫦa iv$R>4MI0_wt =ޜ;N}ﵕjӆֲAVD\%XPW%];uPץ\/[m꺯ҮVFH55 "aJo TՑr5,Όd!SdI />ʿ2x02ل030|m-}޵ {_ ^= w~T7꾓{U Oua?aW>/_z/L4a;`wWOp=I+7(r\\/=R ?A?|.`w_aCp?_?ІDzw)bU_NoE߿$~xm/ՇE}]N?&/ ߄V נVK ^O]/pwGo}ޯKKbނw}(K+^ '(A((kpu_*^uO+i05WmWb"zMZ_QZn{`wV##QWzQW!G^}L`wt(hzL}~‘m+^!ymե|Ąe# ~mST2+LiV b$`LEq^[ZQWM*Qp{KBb'i;㆔Uk+ ӊ)StL&/j$5LTUC ": "; QA6&67dWI+xOi m'r#0N;" !  kdt 6G h5"!öam 4QA 27 M4]aaA+pM5j0Mj[M"""B2e! -C 9C 5a42B", IɎDCDh0]aahԧaDA"Љ sϢ0!*qQHDDDDDDDDDDa\UyݪKYUHT0KZTꚠM0O,yW0th2ʪ`J iuO&a eL!!! aQHA3A<0L A Av;(wqQ:jC 4uvNzmr)W =ZMb/8A>߰1/=6~Iק+ѷɿװڱזDO5Q{iaO&8!"(@d칄9ͣڴ²<) R!>2rF $Ԭa7noݱȦA4ˠM0}8D`oPTT ' va0#70B 0L A@K[#AMs8`J2)q 3 ̸@8b.vpq軶 Dlp~wDݦDiQp&Q7wMշOP  0+27H]&& 4^=Q}~Ҵhr &ۗi6n[LU^8^=8'_6# EkbokzZVt>Ӥ-j+ȱpȰD#^od{MB:i]j׫M{z4SiBoWWKZ wC_+]i4zM/_#pߧi?Km!^j= kJaOI7ҿIL1KBxZc~oo L t D8_/?cɑN )HmI}!`IuHl:ߪpЌ8>]eJ}[!oނnQ;Z1J' oAzo?ouT ?+}aֿK#7n𗤗߿OruyB߆Eٮo}/ݿ؄j^Na=O~Bzuti/7k^bVK׆mmp A5WxamU]$T?H<[ׯut \}V;?ئ**? tbb\}NP0G͈ApkRbo}LZJlzAPuM]_SiFKmEjM\0iaT=nX pWO":L L=[i vD{"Ӱ=w t &ڶ00K[ pP i6)SA4 J:jMX0LaBdW a iY!&a` &BaXa4 SL?{"4Ӱ 6"8hJaCBjL0B4"Ai"q ™a0(аM6ȶP5pDta)4–CiqDDDDDDDDq(DDB""" "",)"{U#CTjYW@%%ӯ %b]2DD&z*%Qd K'ࠤP>NÇD_AOOx./]/Z $'36G36l‚'HGvHh!"447aBh7h z 0Mh'A6}NBqxD!}] n"ӤR"aɦUl'IҵmOA}{}zzhu]][~cp^9]A?"_֋'A_EO_I_omom~m/_aX[J,k]1 WK8M{v1 ׵N 7a*l0iTӈPuaS#~B@А" pU """" "!P@" ~? @@&u9``""na: "7vJk+n;i7izӨ_?ӿZ u ID&`'A7^8Z.H0ƶm*IHoLW M/ uo"5J$I_E/eD[}v?ASս.VO %֫׵[] &Wtmm[JdWPLS*[UL.ja9NL$A> stream q q 591.36 0.00 0.00 768.00 0.00 0.00 cm 0.00 0.00 0.00 rg /Im20 Do Q Q q BT 3 Tr /F21 11.84 Tf 33.60 755.28 TD (Case 0:06-cv-) Tj /F22 12.88 Tf 74.40 0.00 TD (61851-) Tj /F23 10.60 Tf 72.00 0.24 TD (Document 322) Tj /F21 11.91 Tf 94.56 0.00 TD (Entered on FLSD Docket 05/05/2008) Tj /F21 11.72 Tf 213.60 0.00 TD (Page 3 of 28) Tj /F22 11.04 Tf -381.36 -118.08 TD (Telemarketing Sales Rule, 16 C.) Tj /F22 11.16 Tf 153.12 -.24 TD (R. Part 310. No provision of this Stipulated Judgment) Tj /F22 11.05 Tf -152.88 -24.96 TD (should be construed as an admission by the Commission that Defendants Consumer) Tj /F22 11.08 Tf -.24 -25.20 TD (Credit Consolidation) Tj /F22 10.42 Tf 93.36 0.00 TD (, Inc.) Tj /F22 10.92 Tf 22.32 0.00 TD (, Maureen Gaviola, Randall L. Leshin) Tj /F22 10.96 Tf 166.56 0.00 TD (, Randall L. Leshin, P.) Tj /F23 7.94 Tf -282.48 -24.96 TD (Express Consolidation) Tj /F22 10.54 Tf 100.80 0.00 TD (, Inc.) Tj /F22 11.01 Tf 22.32 -.24 TD (, or Charles Ferdon are qualified to provide debt consolidation) Tj /F22 11.03 Tf -122.88 -24.96 TD (services under state law, that Express Consolidation) Tj /F22 10.99 Tf 230.16 0.00 TD (, Inc. has been operated as a not-) Tj /F22 10.57 Tf 144.72 0.00 TD (for-) Tj /F22 11.04 Tf -375.60 -25.44 TD (profit corporation or that it qualifies as a tax-exempt organization under 26 U.) Tj /F23 7.30 Tf 354.24 -.24 TD (C. g) Tj /F22 11.05 Tf -354.00 -24.96 TD (501\(c\)\(3\), or that any of the claims alleged in the Amended Complaint lack merit.) Tj /F21 10.00 Tf -.24 -24.96 TD (Defendants acknowledge that they have read and understad the ) Tj /F22 11.10 Tf 286.80 -.24 TD (provisions of this) Tj /F22 11.07 Tf -286.08 -24.96 TD (Stipulated Judgment) Tj /F22 11.12 Tf 90.96 0.00 TD (, and are prepared to abide by them. At all times) Tj /F22 11.05 Tf 215.04 0.00 TD (, Defendants have) Tj /F21 9.69 Tf -306.48 -25.68 TD (been represented by counsel) Tj /F22 11.03 Tf 125.76 0.24 TD (, including during the negotiations that led to this Stipulated) Tj /F22 11.44 Tf -125.76 -25.44 TD (Judgment. Defendants voluntaily consent to ) Tj /F22 11.19 Tf 204.00 0.00 TD (entry ofthis Stipulated Judgment in the) Tj /F22 11.24 Tf -203.52 -25.20 TD (interest of settlng this litigation.) Tj /F22 11.06 Tf -.72 -25.44 TD (The Commission and Defendants waive all rights to seek appellate review or otherwise) Tj /F22 11.02 Tf 0.00 -25.44 TD (challenge or contest the validity of this Stipulated Judgment.) Tj /F22 11.07 Tf 0.00 -24.96 TD (Defendants waive and release any claim they may have against the Commission and its) Tj /F22 11.06 Tf 0.00 -24.96 TD (employees) Tj /F22 11.14 Tf 48.00 0.00 TD (, representatives or agents arising from this action to date. ) Tj /F21 10.11 Tf 260.40 -.24 TD (The Commission) Tj /F22 11.06 Tf -308.40 -25.20 TD (waives and releases any claim it may have against the Defendants and their employees) Tj /F22 11.03 Tf 0.00 -25.20 TD (representatives or agents arising from this action to date.) Tj /F21 10.31 Tf -.48 -25.44 TD (Each pary shall bear its own ) Tj /F21 9.63 Tf 131.76 -.24 TD (costs and attorneys) Tj /F21 10.26 Tf 84.24 0.00 TD (' fees. Defendants waive all rights that) Tj /F22 11.08 Tf -215.76 -24.96 TD (may arise under the Equal Access to Justice Act) Tj /F21 9.70 Tf 213.36 0.00 TD (, 28 U.) Tj /F22 10.73 Tf 38.16 -.48 TD (C. ~ 2412) Tj /F22 11.01 Tf 43.44 0.24 TD (, arising from the) Tj /F21 10.23 Tf -295.44 -24.72 TD (Amended Complaint.) 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Tj /F43 11.07 Tf -79.44 -24.72 TD (Defendants) Tj /F43 11.07 Tf 50.88 -.24 TD (" means Maureen Gaviola and Consumer Credit Consolidation) Tj /F43 10.42 Tf 279.12 -.24 TD (, Inc.) 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V@ ֛dt&/ ~8DWlu]7_n׸oI_u~|7_῅_K׷V=KECK׻W·ZyNViBkدSXi6űI"T)u^v? bL?#0nDNk dnm&MM5«$[AVkڤɸM/}I_Dc}o5!z"K{]|"wuƗV -m_WQ]ӵJ$PNK AP ^$#6)'KBZmH1:MMt+AD$C蘮GL& 3'j#fNE!(!DDi?^uJ8@a~{̪h_2{Me@~~ 7VqI>WOm&m/E!.G^p>"WmkҷOC#^U)-ִz"-qOVGJߥku +[W#b)";׫ላAT`(@#nE\ᆙuV#Ư6Őz,} h!wGl!f|(E?H('={H0=B""鰓t B`NdMՔ9 .B'0u/I4^ q endstream endobj 61 0 obj << /Length 3437 >> 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 11.84 Tf 33.60 755.28 TD (Case 0:06-cv-) Tj /F64 12.88 Tf 74.40 0.00 TD (61851-) Tj /F65 10.60 Tf 72.00 0.24 TD (Document 322) Tj /F63 11.91 Tf 94.56 0.00 TD (Entered on FLSD Docket 05/05/2008) Tj /F63 11.72 Tf 213.60 0.00 TD (Page 9 of 28) Tj /F64 11.04 Tf -381.12 -117.60 TD (solicit customers by telephone but only receives calls initiated by customers in response) Tj /F64 11.15 Tf -.72 -25.20 TD (to the catalog and during those calls takes orders only without further solicitation. For) Tj /F64 11.11 Tf 0.00 -25.44 TD (purposes of the previous sentence, the term ") Tj /F64 10.88 Tf 200.16 -.48 TD (further solicitation) Tj /F64 11.08 Tf 80.88 -.24 TD (" does not include) Tj /F65 7.71 Tf -281.52 -24.48 TD (providing the customer with information about) Tj /F63 9.98 Tf 208.80 -.72 TD (, or attempting to sell) Tj /F63 9.93 Tf 93.60 0.00 TD (, any other item) Tj /F64 11.04 Tf -301.68 -24.24 TD (included in the same catalog which prompted the customer) Tj /F64 11.00 Tf 264.00 -.96 TD (s call or in a substantially) Tj /F65 7.12 Tf -264.48 -24.48 TD (similar catalog.) Tj /F64 11.13 Tf 1.20 -25.44 TD (Telemarketing Sales Rule) Tj /F65 6.67 Tf 115.44 -.24 TD (" or ") Tj /F64 10.93 Tf 24.48 0.00 TD (Rule) Tj /F64 10.99 Tf 21.12 0.00 TD (" means the FTC Rule entitled ") Tj /F64 11.05 Tf 141.36 -.24 TD (Telemarketing Sales) Tj /F64 11.18 Tf -304.08 -24.48 TD (Rule) Tj /F65 7.37 Tf 24.48 0.00 TD (" 16 C.) Tj /F64 11.02 Tf 40.80 -.24 TD (R. Part 310) Tj /F64 11.00 Tf 50.64 -.24 TD (, the text of which is included as an Appendix to this Stipulated) Tj /F64 11.08 Tf -116.16 -24.96 TD (Judgment.) Tj /F64 11.69 Tf 163.92 -25.68 TD (ORDER) Tj /F64 9.68 Tf -150.48 -38.88 TD (PROHIBITED PRACTICES IN ) Tj /F64 10.34 Tf 127.20 -.24 TD (MARKTING DEBT ) Tj /F64 9.37 Tf 87.84 -.24 TD (CONSOLIDATION SERVICES) Tj /F64 11.67 Tf -228.72 -25.20 TD (IT IS HEREBY ORDERED that) Tj /F64 10.98 Tf 153.36 -.48 TD (, in connection with the advertising, promotion) Tj /F64 11.08 Tf -186.96 -24.72 TD (offering, or sale of debt consolidation services, the Defendants and their Representatives are) Tj /F63 10.06 Tf -.48 -25.20 TD (hereby restrained and enjoined from:) Tj /F64 11.08 Tf 33.84 -25.68 TD (Falsely representing or assisting others in falsely representing that Defendants offer) Tj /F63 9.81 Tf 370.56 -.48 TD (, sell) Tj /F64 11.08 Tf -404.16 -24.48 TD (or provide contracts for debt consolidation services with a nonprofit entity; that the debt) Tj /F64 11.15 Tf -.24 -25.20 TD (consolidation services that Defendants offer) Tj /F64 11.04 Tf 196.56 -.72 TD (, sell or provide are services of a nonprofit entity; or) Tj /F64 11.11 Tf -197.04 -24.72 TD (that fees for the debt consolidation services that Defendants offer) Tj /F63 10.10 Tf 289.92 -.72 TD (, sell or provide are collected or) Tj /F63 10.45 Tf -289.68 -24.48 TD (controlled by a nonprofit entity;) Tj /F64 11.06 Tf 33.84 -25.44 TD (Falsely representing or assisting others in falsely representing that the only fee charged) Tj /F64 11.05 Tf -33.60 -24.72 TD (for debt consolidation services is an administrative fee or a monthly fee;) Tj /F64 10.89 Tf 332.40 -29.76 TD (Page 9 of 28) Tj /F64 31.60 Tf 40.08 -47.04 TD (.lc) Tj ET Q endstream endobj xref 1 2 0000335592 00000 n 0000335651 00000 n 59 7 0000335777 00000 n 0000335941 00000 n 0000370997 00000 n 0000336469 00000 n 0000336088 00000 n 0000336215 00000 n 0000336344 00000 n trailer << /Size 66 /Prev 335265 /Root 1 0 R >> startxref 374500 %%EOF % Page Description << /EndOffset 0000416487>> 1 0 obj << /Type /Catalog /Pages 2 0 R >> endobj 2 0 obj << /Type /Pages /Kids [3 0 R 10 0 R 17 0 R 24 0 R 31 0 R 38 0 R 45 0 R 52 0 R 59 0 R 66 0 R ] /Count 10 >> endobj 66 0 obj << /Type /Page /Parent 2 0 R /Resources 67 0 R /Contents 68 0 R /Rotate 0 /eCpyResolution 300 /MediaBox [0 0 591.36 768.00 ] >> endobj 67 0 obj << /XObject << /Im69 69 0 R>> /Font << /F70 70 0 R /F71 71 0 R /F72 72 0 R>> /ProcSet [/PDF /Text /ImageB /ImageC ] >> endobj 70 0 obj << /Type /Font /Subtype /Type1 /Name /F70 /BaseFont /Helvetica /Encoding /WinAnsiEncoding >> endobj 71 0 obj << /Type /Font /Subtype /Type1 /Name /F71 /BaseFont /Times-Roman /Encoding /WinAnsiEncoding >> endobj 72 0 obj << /Type /Font /Subtype /Type1 /Name /F72 /BaseFont /Courier /Encoding /WinAnsiEncoding >> endobj 69 0 obj << /Type /XObject /Subtype /Image /Name /Im69 /Width 2464 /Height 3200 /eCpyDPIX 300 /eCpyDPIY 300 /ImageMask true /Filter /CCITTFaxDecode /BitsPerComponent 1 /DecodeParms << /K -1 /Columns 2464 /Rows 3200>> /Decode [0 1 ] /Length 37010 >> stream 2SQ1c;)VF@̧33)@`.2\R SeFv` d 9"@ߙN2"D pv qHaa   6ٸ:aa  h05O_es\ -*~h4p4M5O_ iN ijtEDu%D&w_D~Mgɫ:933D}%K92*vL/\'&mPNA7DɨMi7 m* ut']'I}UIU}'ۤ]]]XZ/uu{uWWW^Z ﷷ+U]t4(7__#}z 9!'g>ίֿ!542C>͊|CPBC6 "N0͈9ApGB$J@lOa p9Cگj8sP %}a Baz i} AAv 'a/צjޖ}8_4==SOOO4z:WgZpt\,pQKcD.4KIbڮ$ cDv4KI4K:H0e@nP/$"?sOK>?oT1/S|$K. tK|"-!z KZ3onY?ވ^/vI0]סG}'W_u/t ^yK^7-nCz}~d7K] W]O7s}ҵ^ΏRKΏs_WsUU/us]/_jkޒ_{kNMtZ^ޒIv_Z_kwZUuI]]kkkiikai6jfmjLSkivjVMk ` 6imi+jKizյҲ ' [J] p .1QL0 % / H d"sKm&_7QQL0 %iHJ^P肉lmIV*%bحb+b)ccbca_᪨=7bbئ)XATWVN M5ji |5(Al- m;[ h5aA [0 (&i׻ W a ((&kpӆ CA 0 a) A .b`^$]FؔW:bAF$k5$ ̬AY3(2B ³^ R} """""""""""""""""# ᄬUaG?R&Ñ;RB B&Der쁣")qUDaBi¸*L v)$v*p 0  A}T[ѡIMSw}.ۇ{M}%z?uDҹ_wk魯%~7)^U__Y{/ou ybg#0fb 2=FFPTuJn0Bh0L `h0 D?e0 L"5LdtB4qR2'K8.nUA(h4haE`:63"슜u0 ""c3f|ˈ8C6aB`% f&`Ct"|CF\SG# f g``X(24 !D!|feUWIM & uv 6x@"5% 5*haPOM 0Ŧ0xPhƟa „=?ӥIv+Ӯ ȱVMWI]mi; 6Qv]]аqi82shNEEݑfIZ5ѱņIgo UxOO?¯DzL*Gm&ޝ7Vt|:VۤںV pȱVX̎:]A[m*aiڵWվ$+$<@I~mW[Vk=-.JB_bT^]~}xtj4{ c_HH qV?'!Y}Hɧ&u`$@{-?ikء^iV{:`+koȾ_Kcu&y;(r ntxoBB??u_zЈ%] Duy!`,6 w_vlB+?K a/_}nkߥܡa|>H\~H]nHAدB/yn iuSk,sin_}{[kG_& O;[[ %[KHm/\8^_Eab;;J?C‚)V_MK}!a9aMW]=V# DJBG_XaKa0"k JvH0¤i:QH6Kz ҆ijݥCR{Y eX1W[j iG&apzaGY@a6h4 ؠdGQQH:tp4ƞOX]I:: N6طQaL aI::a:PM03nM0i(pOm5~6Eu{ + "a*mCM6Ua8@L(a(v&4#Da* 4(MsNh" Dv@0E@j00M ϡp0[a®*!DDDFGHDDA""#B2[*)i4"!h24\|Rq 0_幅Zka$+ȗ 1UZL*ڈdmL0 P2F"?Zª?ɸ32!:@eipF[D ;5T*fFB W4"n auOˆޓ [ Wމpk_{jBuD #_";ZKDC% $/itzf\PDFf"gн a AT"h"̟ChF03* $W-w  -4SAB& 02va3#AߙTC)tȞSMB?XIMӤDTU8iTiM ¦ gPL) eћ@J#0S "sSpfq:0CH͑V22#qf d<ٓ  A"ίl2.?IA=Xaa/)q:./3f4]аÛ!ˆm 7hk v!a;l&!Lvۛii Oj `d M=0Mv뫻 -'wICA7xMMNIvдhP";H7ݶS&JTa05OMcMtڥm+u׺$JGm- դnp[ŢM0;rl VƓcB&a/]wOOtӥkJ==]ik;#t#H+dwW]/umޞlv-ګ &ޑRun;uKp<ڎU;kW5)< ۿWOV7M 橽ոZW}]Zr;}Rm_JZVQ^KZM s%Lʣkk z}DeS)R>j,Pk0@e p&P !B.bd# (#r 3¦<4 ;0yx"L8awE^Q|(Dݡw0£[zl2}7M0oIM5 t&j׺ME=aIZOO^뿿K}Oz܍1V5Ư C>Hc#Uu]Ó_(ua aЈJ~ =z_ú_;uo߯(?:_N]+'[[/IXjJڱOKjڗ^޽}V]/Oj_ݪ[I{ILRMG ƘN6upa4&P3ia4Ml(P"""""",jEa`#^"""""" zTpȥ-n2-ѵis;2 #%vtddxS=0@A; @2b@맪DDnޞ[6ޛEÔ?o+&6۫>4>>W;Q:ph2=&ܲիS<'ATaA'@!f 6Hk%1+  ' = !.s%(y! 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Tj /F92 11.11 Tf -.24 -25.20 TD (For purposes of this Paragraph) Tj /F92 10.83 Tf 137.04 206.64 TD (, ") Tj /F92 11.04 Tf 10.56 -206.88 TD (material" means likely to affect a person) Tj /F92 11.25 Tf 183.36 -.24 TD (s choice of) Tj /F92 11.02 Tf 48.00 0.00 TD (, or conduct) Tj /F92 11.17 Tf -378.96 -24.48 TD (regarding, goods or services or a charitable contribution. Under this paragraph) Tj /F92 10.83 Tf 350.88 231.60 TD (, ") Tj /F92 11.03 Tf 10.32 -232.08 TD (receiving) Tj /F92 11.11 Tf -361.44 -24.96 TD (payment from a consumer for goods or services) Tj /F92 11.07 Tf 212.88 -.24 TD (" includes: \(i\) requesting that a consumer send) Tj /F92 11.14 Tf -212.64 -25.20 TD (full or partial payment by check, money order) Tj /F92 10.65 Tf 205.20 0.00 TD (, wire) Tj /F91 9.09 Tf 25.20 -.48 TD (, cash) Tj /F92 11.04 Tf 24.96 0.00 TD (, or any other means; \(ii\) asking a) Tj /F92 11.44 Tf -255.60 -24.72 TD (consumer for biling information that wil or could be ) Tj /F92 11.05 Tf 241.68 -.48 TD (used to obtain payment for goods or) Tj /F92 11.10 Tf -241.68 -24.72 TD (services; or \(iii\) sending a courier to pickup payment for goods or services offered, or directing a) Tj /F92 11.09 Tf -.24 -25.20 TD (consumer to have a courier pick up payment or authorization for payment.) Tj /F92 11.03 Tf 210.96 -25.68 TD (IV.) Tj /F91 9.47 Tf -137.52 -13.92 TD (PROHIBITION AGAINST ABUSIVE TELEMARKETING ) Tj /F92 11.00 Tf 234.72 -.24 TD (PRCTICES) Tj /F92 11.72 Tf -274.80 -25.44 TD (IT IS FURTHER ORDERED that, in ) Tj /F92 11.04 Tf 177.36 -.24 TD (connection with telemarketing, Defendants and) Tj /F92 11.12 Tf -211.20 -24.72 TD (their Representatives are hereby permanently restrained and enjoined from engaging in, or) Tj /F91 9.82 Tf 0.24 -25.44 TD (causing other persons to engage in) Tj /F92 11.03 Tf 154.08 -.24 TD (, or assisting other persons to engage in) Tj /F92 11.01 Tf 174.96 0.00 TD (, violations of the) Tj /F92 11.10 Tf -329.28 -24.96 TD (Telemarketing Sales Rule) Tj /F91 10.42 Tf 115.44 -.48 TD (, including, but not limited to:) Tj /F92 11.10 Tf -82.08 -24.72 TD (Delivering recorded messages to persons who answer an outbound telephone call,) Tj /F92 11.12 Tf -33.60 -25.44 TD (disconnecting an outbound telephone call when a person answers without connecting the call to a) Tj /F92 11.08 Tf 0.48 -25.20 TD (sales representative) Tj /F92 11.09 Tf 86.88 -.24 TD (, or otherwise failing to connect an outbound telephone call answered by a) Tj /F92 11.09 Tf -87.36 -24.72 TD (person to a sales representative within two \(2\) seconds of the person) Tj /F92 11.02 Tf 307.44 -.72 TD (s completed greeting,) Tj /F92 11.24 Tf -308.64 -24.96 TD (provided, however) Tj /F92 11.09 Tf 89.76 -.24 TD (that outbound telephone calls that deliver recorded messages do not violate) Tj /F92 11.11 Tf -88.80 -24.72 TD (this provision if the following four \(4\) conditions are met:) Tj /F91 9.71 Tf 333.84 -29.28 TD (Page 13 of 28) Tj ET Q endstream endobj xref 1 2 0000493757 00000 n 0000493816 00000 n 87 7 0000493973 00000 n 0000494137 00000 n 0000535291 00000 n 0000494665 00000 n 0000494284 00000 n 0000494411 00000 n 0000494540 00000 n trailer << /Size 94 /Prev 493430 /Root 1 0 R >> startxref 539173 %%EOF % Page Description << /EndOffset 0000580236>> 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 35748 >> stream 2SQ1c;)VF@̧33)@`.2\R SeFv` d 9"@ߙN2"D pv6VD%"AA3l\l0?CfgP" PAAT pA =p0ȷM]ɝɝ%D.]DɑU.K: 7 nTf?}7A AA&2jhEAMm6OںN޿zNM{t ]} ]uuuu oooW﮺hQDouWF"sCXNy }__Ckhd}l@D8ar%DH ؟2s(O^_p 2J a Baz i} AAv 'a-, ]zi awѳh?M==4A'ѳz6u顧 ]??oT1/ǥ7X?/K/KKF?/;Dh7,_WI/j Ϳdz!{Կwn#]zzKI/KKo}uuI OqH%}}yKu]~Cw:Zd7 C{t-p*S_t׾sTsUK]\]/_jkޒ_{kN~kmu/]-nk_ݯkk֕]iRWWZZi6fڶ6i6al. 6ki~imڶ0 `j]ڶjڶa[K_m+!0pմ%JL0 .PS 0P_" $( 6A '4a % 0[!% .( XJ[ &^ h +DZLlV1L{LVUı_q0TSLU1LUlSq,{ +ث iL&Mm54kk[>j [M{M C0 aAaA0MJk 0aAA0[4J %PiXkZD0fHe(0%xIvTBJbRe^K"&DJHDDDDDJLN2ef ̠3 xN"""""""""""""""""#ᯭJZ[vPW+e,e5pg\ VF`نOR;%,(T5 j wmow}T_w߃ޭ ~5a`!B I9ȼGtQF̡A8!2qHxP*KB Dx d莋Ahs'tEAhPD-aAI/8jn8< и 4& 0Oa0Pca iڋMPaCA4GBAL4 ; vM0aqoaS] 8i]0&X&!E0xq ŠA^Q BHaCԫax  ¦VS!L`PMMT'BhAީa&Jh0h_ X0M>&":T! 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The person ) Tj /F99 10.99 Tf 68.16 0.00 TD (who initiates the calls employs technology that ensures that no more than) Tj /F99 11.01 Tf -36.24 -25.20 TD (three \(3\) percent of all calls answered by a person are not connected to a sales) Tj /F99 11.00 Tf 0.48 -24.96 TD (representative within two \(2\) seconds of the person) Tj /F99 10.82 Tf 229.68 -.24 TD (s completed greeting,) Tj /F99 11.20 Tf -229.68 -24.72 TD (measured per day per callng campaign;) Tj /F100 8.29 Tf -34.08 -24.96 TD (2. The person ) Tj /F99 10.99 Tf 69.60 0.00 TD (who initiates the calls allows the telephone to ring for at least fifteen \(15\)) Tj /F99 10.98 Tf -35.52 -25.20 TD (seconds or four \(4\) rings before disconnecting an unanswered call;) Tj /F100 8.77 Tf -34.08 -25.20 TD (3. 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Tj /F107 7.60 Tf 247.44 -1.20 TD (B.3 and IV.) Tj /F106 11.36 Tf 51.36 0.00 TD (SA of this) Tj /F106 11.10 Tf -298.56 -24.00 TD (Stipulated Judgment) Tj /F106 11.01 Tf 91.68 -.48 TD (, and does not access the National Do Not Call Registry for) Tj /F106 11.10 Tf -92.16 -24.48 TD (any other purpose.) 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Tj /F113 9.39 Tf 50.88 -38.88 TD (DEFENDANTS' OBLIGATION TO MONITOR TELEMARKETING PERSONNEL) Tj /F114 5.00 Tf -18.00 -25.44 TD (IT IS FURTHER ORDERED ) Tj /F113 10.88 Tf 141.12 -.72 TD (that any business engaged in telemarketing that Maureen) Tj /F113 10.99 Tf -174.48 -24.00 TD (Gaviola controls) Tj /F113 10.88 Tf 73.68 -.24 TD (, directly or indirectly, or in which Maureen Gaviola has a majority ownership) Tj /F113 10.85 Tf -73.68 -24.72 TD (interest) Tj /F112 9.83 Tf 32.64 -.24 TD (, is hereby permanently restrained and enjoined from:) Tj /F113 10.91 Tf 0.48 -24.96 TD (Failing promptly to investigate fully any consumer complaint received by any business to) Tj /F113 10.97 Tf -33.60 -24.72 TD (which this Paragraph applies; and) Tj /F113 10.84 Tf 33.12 -25.20 TD (F ailing to take corrective action with respect to any telemarketer or sales representative) Tj /F113 10.94 Tf -33.60 -24.72 TD (that is not complying with this Stipulated Judgment, which may include training, disciplining,) Tj /F113 10.94 Tf 0.24 -25.20 TD (and/or terminating such sales person.) Tj /F113 11.31 Tf 33.12 -24.72 TD (Failng to take reasonable ) Tj /F113 10.99 Tf 116.16 -.72 TD (steps suffcient to monitor and ensure that all employees and) Tj /F113 10.92 Tf -149.52 -24.24 TD (independent contractors engaged in telemarketing comply with Paragraphs I to IV of this) Tj /F113 11.19 Tf 0.00 -24.96 TD (Stipulated Judgment. Such steps shall ) Tj /F113 10.51 Tf 171.60 -.72 TD (include:) Tj /F114 7.70 Tf -137.28 -24.48 TD (1. Monitoring to ensure ) Tj /F113 10.88 Tf 110.88 -.48 TD (that lists of phone numbers used to contact customers include) Tj /F113 10.90 Tf -79.20 -24.72 TD (only numbers that are authorized to be called under the Telemarketing Sales Rule;) Tj /F114 7.70 Tf -33.36 -24.24 TD (2. 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Ascertaining ) Tj /F120 11.04 Tf 75.84 -.24 TD (the number and nature of consumer complaints regarding potentially) Tj /F120 11.07 Tf -42.96 -25.20 TD (violative telephone calls or sales practices in which each employee or independent) Tj /F119 10.25 Tf 0.00 -25.20 TD (contractor is involved;) Tj /F121 8.35 Tf -33.60 -24.72 TD (4. Examining the ) Tj /F120 10.94 Tf 85.20 -.48 TD (initial and ) Tj /F121 7.17 Tf 46.80 0.00 TD (rebuttl scripts) Tj /F120 10.91 Tf 65.28 -.24 TD (, training materials) Tj /F119 9.80 Tf 82.80 -.24 TD (, notices) Tj /F120 11.04 Tf 36.96 -.24 TD (, contracts and) Tj /F120 11.03 Tf -283.44 -24.24 TD (sales materials used by all employees and independent contractors to ascertain) Tj /F120 11.02 Tf -.48 -25.20 TD (whether they comply with Telemarketing Sales Rule; and) Tj /F121 7.92 Tf -33.12 -25.20 TD (5. Monitoring a sample of ) Tj /F120 11.05 Tf 123.60 -.24 TD (telemarketing calls by having non-commissioned employees) Tj /F120 11.01 Tf -90.48 -24.96 TD (or contractors listen to telemarketers) Tj /F120 11.01 Tf 162.00 -.72 TD (' oral presentations and keep records) Tj /F120 11.02 Tf -162.48 -24.72 TD (regarding any misrepresentations.) Tj /F120 11.28 Tf -67.20 -25.20 TD (Provided, however) Tj /F120 11.06 Tf 90.48 -.24 TD (that this Paragraph does not authorize or require Maureen Gaviola to take) Tj /F119 10.04 Tf -90.24 -24.72 TD (any action that violates any federal) Tj /F120 10.80 Tf 155.52 -.96 TD (, state) Tj /F119 10.12 Tf 25.68 0.00 TD (, or local law.) Tj /F120 10.67 Tf 28.80 -25.44 TD (VI.) Tj /F120 9.51 Tf -201.84 -13.20 TD (BAN ON COLLECTING PAYMENTS FROM SALE OF CONSOLIDATION SERVICES AGREEMENTS) Tj /F120 9.57 Tf -5.28 -13.68 TD (MARKETED FOR DEFENDANTS RANDALL L. LESHIN, RANDALL L. ) Tj /F119 9.58 Tf 298.08 -.96 TD (LESHIN, P.) Tj /F120 9.61 Tf 49.44 0.00 TD (A., AND EXPRESS) Tj /F120 8.96 Tf -172.56 -13.68 TD (CONSOLIDA ) Tj /F120 11.24 Tf 54.00 0.24 TD (nON) Tj /F120 5.00 Tf -198.96 -25.44 TD (IT ) Tj /F120 11.67 Tf 14.64 0.00 TD (IS FURTHER ORDERED that ) Tj /F120 11.05 Tf 147.84 -.48 TD (upon entry of this Stipulated Judgment) Tj /F119 9.82 Tf 171.84 -.48 TD (, Defendants) Tj /F120 11.08 Tf -367.68 -24.24 TD (are permanently restrained and enjoined from collecting, receiving, or taking possession of any) Tj /F120 11.08 Tf -.24 -25.44 TD (residual payments from Defendant's sale of the debt consolidation services of Randall L. Leshin) Tj /F120 11.04 Tf 0.00 -25.20 TD (Randall L. Leshin) Tj /F121 5.00 Tf 80.16 -.24 TD (, P ) Tj /F120 10.01 Tf 12.24 -.48 TD (.A.) Tj /F121 7.84 Tf 18.48 0.48 TD (and Express Consolidation) Tj /F120 11.06 Tf 118.56 -.48 TD (, Inc. prior to the date of entry of this) Tj /F120 11.04 Tf -229.20 -24.48 TD (Stipulated Judgment) Tj /F120 5.00 Tf 95.04 -.24 TD (provided, ) Tj /F120 11.09 Tf 46.32 -.48 TD (however) Tj /F120 11.04 Tf 38.40 -.24 TD (, that it shall not be a violation of this Stipulated) Tj /F120 11.07 Tf -180.24 -24.48 TD (Judgment for Defendants to seek recovery or legal recourse based on misconduct by Randall L.) Tj /F120 10.85 Tf 0.24 -25.20 TD (Leshin) Tj /F120 11.01 Tf 30.24 0.00 TD (, Randall L. Leshin) Tj /F120 10.10 Tf 85.68 -.72 TD (, P.) 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AaA`4"#""" e+"CUEP$"#AFA}֖ 0ˠT"-kBaza8aB `ft2ym'QLB0EZ F:"K`R*9`a3PD<0pѡpC;"Mao۪M aj0Zojkn|SpA  ӫ4[LwA A)vKn H lX* Aa]>)W.+վ'WнwI?Fw:VKnIJ-_JK%*-8km{AKM֫׋ߵ#u =ӥqM# @ؤV* Ngd0@ SA" ϹKkb+R kt߿e~>6pbtJ7Kr-I4Z K٨x~XJn Z껄סU i+HKKUTwU-}i~(>jӯV]R[~ (uJ=PWUӫ[ð^VxE5}] DWD @ˌOI"h<Xr +!DJ\0b A]  raIqHGmA1BHxHAGc <&I^qonouJ%J<`|H g?dr0h q1gXQh4'xD@ endstream endobj 124 0 obj << /Length 3694 >> stream q q 591.36 0.00 0.00 768.00 0.00 0.00 cm 0.00 0.00 0.00 rg /Im125 Do Q Q q BT 3 Tr /F126 11.84 Tf 30.24 755.28 TD (Case 0:06-cv-) Tj /F127 12.88 Tf 74.40 0.00 TD (61851-) Tj /F128 10.60 Tf 72.00 0.24 TD (Document 322) Tj /F126 11.91 Tf 94.56 0.00 TD (Entered on FLSD Docket 05/05/2008) Tj /F126 11.75 Tf 213.60 0.00 TD (Page 18 of 28) Tj /F127 11.18 Tf -411.12 -116.88 TD (residuals may be considered in assessing or measuring the liabilty ) Tj /F127 11.11 Tf 297.36 -.96 TD (of Randall L. Leshin) Tj /F127 10.83 Tf 92.64 0.00 TD (, Randall) Tj /F127 10.96 Tf -390.00 -24.48 TD (L. Leshin) Tj /F127 10.10 Tf 42.96 -.24 TD (, P.) Tj /F127 10.99 Tf 24.96 0.00 TD (, or Express Consolidation) Tj /F127 10.92 Tf 117.36 -.48 TD (, Inc. to Defendants.) Tj /F127 11.28 Tf 22.08 -24.96 TD (VII.) Tj /F127 9.49 Tf -45.60 -13.92 TD (MONETARY JUDGMENT) Tj /F128 5.00 Tf -128.88 -25.20 TD (IT IS FURTHER ORDERED ) Tj /F127 11.20 Tf 142.32 -.48 TD (that) Tj /F127 11.09 Tf -142.32 -24.72 TD (Defendants CCC and Maureen Gaviola are jointly and severally liable to the FTC for) Tj /F127 11.10 Tf -34.08 -25.20 TD (eight hundred fifty-) Tj /F127 11.03 Tf 87.36 -.24 TD (thousand dollars \($850) Tj /F127 11.06 Tf 104.40 -.24 TD (000\) and no cents which amount was paid by) Tj /F127 11.10 Tf -191.76 -24.48 TD (consumers as fees) Tj /F127 11.07 Tf 80.88 -.48 TD (, and the FTC is awarded a monetary judgment in that amount against) Tj /F126 9.98 Tf -80.88 -24.96 TD (Defendants CCC and Maureen Gaviola.) Tj /F127 11.07 Tf 33.60 -25.44 TD (The monetary judgment set forth in Subparagraph VILA is stayed upon Defendants) Tj /F127 11.30 Tf -34.08 -25.20 TD (paying the Commission or its designated agent the sum of fift-) Tj /F127 11.05 Tf 282.96 -.48 TD (thousand \($50) Tj /F128 7.87 Tf 66.00 -.24 TD (000\) by wire) Tj /F127 11.10 Tf -349.20 -24.72 TD (transfer to the Commission or its designee or agent) Tj /F127 11.08 Tf 227.04 -.48 TD (, in accordance with wiring instructions to be) Tj /F127 11.18 Tf -227.04 -24.72 TD (provided by the Commission. If Defendants fail to complete the transfer of this sum within five) Tj /F127 11.01 Tf 0.48 -25.44 TD (\(5\) days) Tj /F127 11.01 Tf 36.48 0.24 TD (, the entire judgment is due and payable.) Tj /F127 11.11 Tf -3.12 -25.44 TD (The stay of the monetary judgment shall be lifted if) Tj /F127 11.09 Tf 228.00 -.72 TD (, upon motion by the Commission) Tj /F126 9.37 Tf 151.92 0.00 TD (, the) Tj /F127 11.08 Tf -413.52 -24.48 TD (Court finds that Maureen Gaviola) Tj /F126 10.14 Tf 150.00 -.48 TD (, in executing one or more ofthe Defendants) Tj /F127 10.87 Tf 198.24 -.24 TD (' Financial) Tj /F127 10.99 Tf -348.24 -24.00 TD (Statements) Tj /F127 11.08 Tf 48.96 -.24 TD (, has \(i\) materially misstated the value of any asset that should have been disclosed in) Tj /F127 11.08 Tf -49.44 -25.44 TD (the statements; \(ii\) materially misstated Defendants) Tj /F127 11.24 Tf 229.20 -.48 TD (' financial condition by failng to disclose any) Tj /F127 11.09 Tf -228.96 -24.48 TD (asset that should have been disclosed in the statements; or \(iii\) has made any other material) Tj /F127 11.08 Tf -.24 -25.44 TD (misstatement or omission in the Defendants) Tj /F127 11.18 Tf 195.36 -.72 TD (' Financial Statements. Upon lifting the stay, the full) Tj /F127 11.10 Tf -195.36 -24.72 TD (amount of the judgment) Tj /F127 11.05 Tf 106.80 -.24 TD (, less any amount previously collected to pay the judgment) Tj /F127 11.11 Tf 260.16 -.72 TD (, shall become) Tj /F127 11.51 Tf -34.08 -53.76 TD (Page 18 of28) Tj ET Q endstream endobj xref 1 2 0000705545 00000 n 0000705604 00000 n 122 7 0000705800 00000 n 0000705967 00000 n 0000743419 00000 n 0000706510 00000 n 0000706123 00000 n 0000706252 00000 n 0000706383 00000 n trailer << /Size 129 /Prev 705216 /Root 1 0 R >> startxref 747180 %%EOF % Page Description << /EndOffset 0000792437>> 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 101 0 R 108 0 R 115 0 R 122 0 R 129 0 R ] /Count 19 >> endobj 129 0 obj << /Type /Page /Parent 2 0 R /Resources 130 0 R /Contents 131 0 R /Rotate 0 /eCpyResolution 300 /MediaBox [0 0 591.36 768.00 ] >> endobj 130 0 obj << /XObject << /Im132 132 0 R>> /Font << /F133 133 0 R /F134 134 0 R /F135 135 0 R>> /ProcSet [/PDF /Text /ImageB /ImageC ] >> endobj 133 0 obj << /Type /Font /Subtype /Type1 /Name /F133 /BaseFont /Helvetica /Encoding /WinAnsiEncoding >> endobj 134 0 obj << /Type /Font /Subtype /Type1 /Name /F134 /BaseFont /Times-Roman /Encoding /WinAnsiEncoding >> endobj 135 0 obj << /Type /Font /Subtype /Type1 /Name /F135 /BaseFont /Courier /Encoding /WinAnsiEncoding >> endobj 132 0 obj << /Type /XObject /Subtype /Image /Name /Im132 /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 39672 >> stream 2SQ1c;)VF@̧33)@`.2\R SeFv` d 9"@ߙN2"D pv qHaa   6ٸ:aa  h05O_es\ -*~h4p&4M5O_ iN ijNhQ._D=K/ɬ5tGG&w&w}_Du&EQd˒%΂xMn虏tMn y L&PnpA> &Ҡ WWIuoItIW_T]_ouI'ۤ]]]XZ/uu{uWWW^]|/_߫׫j]uТ7{~]D0P>:Z 6) A ؀q;6 "!J)?!)dPjBd0I4AANׅ 'AxA*+?0AApkO?ZoDH%WEC_O^ =)Z$M얋!C_jOK&{_|8~|??I/?_mRĿT`_I/_KKF?/;K^r,' O-J?wn#]zzKI/KKo}uuI OqH%}}yK/{W_NY …_u-wK\+Ν]py֯t_t{Z۝Kڷjk~k~kmu/]-nk_ݯkk֕]iRWWZZZZijMڙjڶ]$ڶkjX%Miv[jJڶj^m-_m+!0pմ%JL0 .PS 0P_" $( 6A '4a % 0[!% .( XJ[ &] % <4TK1[1V1[MTSDZUQL{ln1T1ULSıcبb&[M0k 5 al kPL.[Mm54vkP ,0A4A0aaPL _vL-PPL  T4aa dCdPr "W(eD$%&U""kDDDNyQDMlDr7^'dW~Ҷȣ߶'dQzi: |5w__MM]Aג_]B}?>~A7ڵՆ}*^^](ZuPvP*n~]+u~-] ֺuߵ?zG)}4[MZbK1qlU<%aN G:0K[vo~kG>mo~K]zmXiaj ]SIl?Mcxߌ/[7ax0V_0ᄴa~ZH袼uOiTM0pv;j)Tȃᄓv5Nu"T%.DV;#WaebIm[OVZ ou_WTDDDDaT"¨Ai4.“Bua4 i44Mi@N*B67 vGO"mS[j"#E2nM;L& [AamRvղ+ E ڃJXa&ZM66l`+ A(zCB""B"a8A !&: &4ȣiµ +aSA1VҦ\$ӦTVЈhC(0B"!PAZ rLa](p@fGDt_AiۖQȶ"""""""""""""""+eWׯh&N(L1Xg(/#1]FJ(DQ &;fHd@B’H;>K>ߥiu{USAUK20GFGE;UAhD0TCI26!5Ј>fEC9d"k~ N.)N4[h&D=h? 6@R|&P.330H0O b4Nh h ?PDoaS $; A0M+߶G[Gt JbM8ńNZ'm_\(Nl%OoA<r$jA?_uO oyIa.ijo]kI}|Mm/^_Jzկ}[_Hs{/⿌|^6B&#rkwz~Dn|.m~åZ>렟mOA6pï~߂8K$y=H_GKnKOUקӾUﴭ[]_֠mS &G_lW±œ+K ]|/^Bզ:bȑ5l5߶:⢂4LRbä bkV;S)6 a=(rCea4 UL 27avGS DDDAS'MNLC &} &]Mr ?a4aa A &@0"zgl& 8i.# %%.'-#Ur/2J dB Eu҆B 0hA3Y #hei+f#%-*iA<3(dЍƌ0Fً@|8_PPR9x츩0PvWӃ|<7q V?Zpދ}kJp z}USI&~DvUu__'\o , Q믯*:A;΁\a9{Ӝv/_a70T<XhC'"xBLPA"r: Z3B H|ș:/%+,{_70ɜ-]ψ/D ł | A5N  `0{<כ3FfA I'2.)(#?] IնD|^;v%8&0Ţ'2p7aoEC8Nߠ7P~ ;4 a0T! qD$8b"8|!DhmI"#6lмqbd޻%'ի Wȶon:B' Լh]F8!jqch&4ІB{0(T„A+ Pq7]?7 +IOzO6m'x`Q.Z6 ƓZ'N0kx7J* Y;adp]7VOK l iGd\GzÆGmm8dG|;Uh+Än?w8zVok~WWi{5t޿OV;Wmddvz!vwilu/}/~]?}p D b BB?^+J~ݯk5WhphGMv+ -|_I;G=K׿}wO4M!װ7Mr_ā(Bz8^؟.B[ _/o N֡-kJ]]AkiW?"Oj^lOm\/*=_ ^-M [$/ߺum/_.oo]ϧ^T]omR_/$/K[R ᅰ_vOu[}_} ,F8EHHa/ [S_vJRi{}Tֿ^BH6 \M9^qVM4'0Sk]ǭ +[_mati_a@aaM !p'iiM9uM'aS +1h4DbS`_W`u"ۯeHGAsi|DDDDAD'&gv 4 N Sa U"iT=L&i]Oi $Jmn"EV"*=L!P„i 4itML&RBkv4Ȯv5M 4p(bPq YҪoiӴ4 $M&I5"""""",! $b ", DL 0)WzMIp 00Wi2V ba?""""""" 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ON`XK~zjXM}z }%j|z.$[!kt I&[ih/޻qZ^I>RF*[:UA~i iR }u = rw(pGCZIX?J߅4 "nVDuA*i`Du65E‚C-Ai81A agqWه!SLp^˘ E #ChCz 'ڿupuyW~߽B k2Г hc@ endstream endobj 145 0 obj << /Length 3734 >> stream q q 591.36 0.00 0.00 768.00 0.00 0.00 cm 0.00 0.00 0.00 rg /Im146 Do Q Q q BT 3 Tr /F147 11.84 Tf 30.24 755.28 TD (Case 0:06-cv-) Tj /F148 12.88 Tf 74.40 0.00 TD (61851-) Tj /F149 10.60 Tf 72.00 0.24 TD (Document 322) Tj /F147 11.91 Tf 94.56 0.00 TD (Entered on FLSD Docket 05/05/2008) Tj /F147 11.75 Tf 213.60 0.00 TD (Page 21 of 28) Tj /F148 11.02 Tf -411.36 -117.36 TD (with this Court seeking an order including one or more of the protections set forth in Fed. R. Civ.) Tj /F148 10.96 Tf 11.52 -25.20 TD (26\(c\);) Tj /F148 11.01 Tf 21.84 -25.20 TD (In addition) Tj /F148 10.99 Tf 48.96 0.00 TD (, the Commission is authorized to monitor compliance with this Stipulated) Tj /F148 11.14 Tf -83.04 -24.96 TD (Judgment by all other lawful means) Tj /F148 10.93 Tf 160.32 -.48 TD (, including but not limited to the following:) Tj /F148 11.04 Tf -92.88 -24.72 TD (obtaining discovery from any person) Tj /F148 10.95 Tf 162.96 -.48 TD (, without further leave of court, using the) Tj /F147 9.92 Tf -163.44 -24.72 TD (procedures prescribed by Fed. R. Civ. P. 30) Tj /F148 9.92 Tf 193.44 -.72 TD (, 31) Tj 16.56 0.00 TD (, 33) Tj /F148 10.40 Tf 16.56 -.24 TD (, 34) Tj /F148 10.56 Tf 16.32 0.00 TD (, 36) Tj /F147 9.50 Tf 16.80 0.00 TD (, and 45;) Tj /F147 9.80 Tf -259.92 -24.24 TD (posing as consumers and suppliers to: Defendants) Tj /F147 9.69 Tf 220.80 -.96 TD (, Defendants) Tj /F148 10.72 Tf 56.16 0.00 TD (' employees) Tj /F148 10.86 Tf 52.80 0.00 TD (, or any) Tj /F148 11.02 Tf -329.52 -24.48 TD (other entity managed or controlled in whole or in part by Defendants without the) Tj /F148 11.02 Tf -.24 -24.96 TD (necessity of identification or prior notice; and) Tj /F147 10.06 Tf -33.84 -25.20 TD (Defendants shall permit representatives of the Commission to interview any employer,) Tj /F148 11.21 Tf -33.84 -24.96 TD (consultant) Tj /F147 9.97 Tf 46.56 -.24 TD (, independent contractor) Tj /F148 10.91 Tf 108.24 -.48 TD (, representative, agent) Tj /F148 10.95 Tf 96.48 -.48 TD (, or employee who has agreed to such an) Tj /F148 11.00 Tf -250.80 -24.24 TD (interview) Tj /F148 11.11 Tf 42.00 -.24 TD (, relating in any way to any conduct subject to this Stipulated Judgment. The person) Tj /F148 11.09 Tf -42.00 -24.96 TD (interviewed may have counsel present.) Tj /F149 5.00 Tf -.72 -25.20 TD (Provided, however, ) Tj /F148 11.02 Tf 90.00 -.48 TD (that nothing in this Stipulated Judgment shall limit the Commission) Tj /F148 10.82 Tf 302.16 -.96 TD (s lawful) Tj /F148 11.15 Tf -391.92 -23.52 TD (use of compulsory process) Tj /F148 11.00 Tf 119.04 -.72 TD (, pursuant to Sections 9 and 20 of the FTC Act) Tj /F147 9.86 Tf 205.20 -.48 TD (, 15 U.) Tj /F148 5.00 Tf 38.88 -.48 TD (c. ) Tj /F147 9.95 Tf 37.68 0.24 TD (, 57b-) Tj /F147 10.09 Tf -395.28 -24.24 TD (, to obtain any documentary material) Tj /F148 10.85 Tf 164.40 -.48 TD (, tangible things) Tj /F148 10.97 Tf 70.32 0.00 TD (, testimony, or information relevant to) Tj /F147 10.12 Tf -240.48 -24.72 TD (unfair or deceptive acts or practices in or affecting commerce \(within the meaning of 15 U.) Tj /F149 7.40 Tf 411.84 -1.44 TD (c. ~) Tj /F148 11.01 Tf -412.32 -23.52 TD (45\(a\)\(1\)\).) Tj /F148 10.85 Tf 210.72 -26.40 TD (IX.) Tj /F147 9.14 Tf -91.92 -13.68 TD (COMPLIANCE REpORTING BY DEFENDANTS) Tj /F148 11.76 Tf -85.44 -25.44 TD (IT IS FURTHER ORDERED that) Tj /F148 10.98 Tf 160.32 -.48 TD (, in order that compliance with the provisions of this) Tj /F147 10.02 Tf -193.44 -24.48 TD (Stipulated Judgment may be monitored:) Tj /F148 11.33 Tf 332.16 -29.28 TD (Page 21 of28) Tj ET Q endstream endobj xref 1 2 0000835493 00000 n 0000835552 00000 n 143 7 0000835774 00000 n 0000835941 00000 n 0000870895 00000 n 0000836484 00000 n 0000836097 00000 n 0000836226 00000 n 0000836357 00000 n trailer << /Size 150 /Prev 835164 /Root 1 0 R >> startxref 874696 %%EOF % Page Description << /EndOffset 0000917706>> 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 101 0 R 108 0 R 115 0 R 122 0 R 129 0 R 136 0 R 143 0 R 150 0 R ] /Count 22 >> endobj 150 0 obj << /Type /Page /Parent 2 0 R /Resources 151 0 R /Contents 152 0 R /Rotate 0 /eCpyResolution 300 /MediaBox [0 0 591.36 768.00 ] >> endobj 151 0 obj << /XObject << /Im153 153 0 R>> /Font << /F154 154 0 R /F155 155 0 R /F156 156 0 R>> /ProcSet [/PDF /Text /ImageB /ImageC ] >> endobj 154 0 obj << /Type /Font /Subtype /Type1 /Name /F154 /BaseFont /Helvetica /Encoding /WinAnsiEncoding >> endobj 155 0 obj << /Type /Font /Subtype /Type1 /Name /F155 /BaseFont /Times-Roman /Encoding /WinAnsiEncoding >> endobj 156 0 obj << /Type /Font /Subtype /Type1 /Name /F156 /BaseFont /Courier /Encoding /WinAnsiEncoding >> endobj 153 0 obj << /Type /XObject /Subtype /Image /Name /Im153 /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 36914 >> stream 2SQ1c;)VF@̧33)@`.2\R SeFv` d 9"@ߙN2"D pvH))Jaax@΀G!q C` A@3Aa804 pA =p0ȷttm&6T&OtTA>j:Nz:N7ꓫOI_뫮 ﷷ+뮺F]_}]_W!:50HgٱOjHfC&!.BTDH͉ !N'2tUU'j!}L!;HB v/^a? 0Q_< 0xAA F*~Ӥ'AA=7O:tIzuTSiwᄈK&$zM vA}/^MsZӤImk||.ukO_kk_TA_uA7?֯4W+MM}K} MމMOW KZKz Su ^DKElJL5rR'p$X0Np6P I qj7&%K _࿤%]A ߿%#Do nX_Ar_/B喤Kw$.?_IZ_~H_PX{z ΂A/>_KnZ'K[Buoo_…utVZItz]jnt꿪ti%/WWW}omuooI/^ս][w[V'WVRII]Z_7XKKI/׵KXKKnJ+}mmRKKK[ -[IS3m[Vb]KVҵmm[_KIm.Km[I[V]m[Kհa8jV% &K (av)aa(am/Da _y[i0ՆAaa-JDPDM% -cm$AFP 0(ұQ,{lSDZ[m5QLlK UE1SV1LWDz=⽊vMm4i4PL&_B 0am5״ki^0 k k -Xa4k݄ a5iAU XaaXZD0fHe(0%xIvTBJbRe^K"&DJHDDDDDJLN2ef ̠3 xN"""""""""""""""""#ᯭJZ 5GQW&ޫPd "*\%MN6HQlX_i;&M#~i&MAA2/$K":])h~ @f\Ap-RVJVLva_5MN; j'tH]_ ^D\ xA !Q#Y޿Xri_|3 N4#(&FjB֛[/hg&8e08"AsQfuƯ/zp'TÄm. 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NmSL }4Ԇ4mh4ˊ D, "aB!D !fiv08xPT~ AL"4 _}i nݑi|xl'tR~/iԐ::ٟ~[_ﴳ2/q^Jُ7l-k[kkz4sjINm)ߵvj]w9 بc*)enߊbV§[}+ݱL0Ti 0) ֩T&T1TH[]5{vJҺV/bå؇q8AMSwݴjpMŬ4TjP a%Aj &)6M+U [ ohACNݦ""""""3""""""" hLtfa! &)27 L.!AQLTdnjJ0Q ^6EM27 DDDDDDDA0BbXDDDDDD  E$":'tDr""4"5b"֟Ҥit ‚ bTl1C4P KFZ 2:PѝfdW)3($M H1F[_%ET~nt9y,eڭBaSP$ @B hG*gfe c?l}kX۪&?N r^ݴJЈᇿ~1~_~~iaoۿ[moۯF~y?_loܟ( ?_տWF'_׭[P‘װ[~oaM=؏ع`VG: [AM /V ܄T} 6 @A M>> stream q q 591.36 0.00 0.00 768.00 0.00 0.00 cm 0.00 0.00 0.00 rg /Im167 Do Q Q q BT 3 Tr /F168 11.84 Tf 30.24 755.28 TD (Case 0:06-cv-) Tj /F169 12.88 Tf 74.40 0.00 TD (61851-) Tj /F170 10.60 Tf 72.00 0.24 TD (Document 322) Tj /F168 11.91 Tf 94.56 0.00 TD (Entered on FLSD Docket 05/05/2008) Tj /F168 11.75 Tf 213.60 0.00 TD (Page 24 of 28) Tj /F169 11.20 Tf -378.24 -117.12 TD (For the purposes ofthis Stipulated Judgment) Tj /F168 9.75 Tf 198.24 -.48 TD (, Defendants shall) Tj /F169 11.09 Tf 78.96 -.24 TD (, unless otherwise directed) Tj /F168 10.16 Tf -311.28 -24.72 TD (by the Commission) Tj /F169 11.06 Tf 90.96 -.48 TD (s authorized representatives, mail all written notifications to the Commission) Tj /F169 10.46 Tf -91.20 -24.72 TD (to:) Tj /F169 11.03 Tf 100.56 -25.20 TD (Associate Director for 鶹ý) Tj /F169 10.98 Tf 0.00 -12.72 TD (鶹ý Trade Commission) Tj /F168 9.92 Tf 0.00 -12.72 TD (600 Pennsylvania Avenue) Tj /F169 10.53 Tf 115.68 0.00 TD (, NW) Tj /F169 10.83 Tf -115.68 -12.48 TD (Washington) Tj /F169 10.87 Tf 53.52 0.00 TD (, DC 20580) Tj /F169 5.00 Tf -53.76 -12.96 TD (Re: ) Tj /F169 10.91 Tf 21.36 0.24 TD (FTC v. Leshin) Tj /F169 11.00 Tf 78.24 0.00 TD (D. Fla. Civil Action No. 06-) Tj /F169 10.47 Tf 124.56 -.24 TD (61851) Tj /F169 11.09 Tf -291.12 -37.20 TD (For purposes of the compliance reporting and monitoring required by this Stipulated) Tj /F169 11.23 Tf -33.84 -25.20 TD (Judgment) Tj /F169 11.08 Tf 44.16 0.00 TD (, Defendants authorize Richard J. Capriola of Weinstock & Scavo to act as their) Tj /F168 9.92 Tf -44.16 -25.20 TD (representative receive notices and communications as their representative, and the service by) Tj /F169 11.11 Tf -.24 -25.20 TD (mail or delivery of any communication from the Commission to Richard J. Capriola is) Tj /F169 11.08 Tf 0.00 -25.20 TD (communication with Defendants.) Tj /F169 9.60 Tf 145.92 -39.84 TD (RECORD KEEPING PROVISIONS) Tj /F170 5.00 Tf -112.08 -25.68 TD (IT IS FURTHER ORDERED ) Tj /F169 11.17 Tf 142.80 -.48 TD (that, for a period of six \(6\) years from the date of entry of) Tj /F169 11.17 Tf -176.64 -24.48 TD (this Stipulated Judgment) Tj /F169 11.00 Tf 110.64 -.24 TD (, Defendants and their agents) Tj /F168 9.66 Tf 128.64 -.24 TD (, employees) Tj /F169 11.94 Tf 52.56 -.24 TD (, offcers) Tj /F169 11.09 Tf 39.60 0.00 TD (, corporations) Tj /F169 11.12 Tf -331.44 -24.48 TD (successors, and assigns) Tj /F169 11.19 Tf 104.40 -.24 TD (, and those persons in active concert or paricipation ) Tj /F169 11.13 Tf 233.04 0.00 TD (with one or more) Tj /F169 11.12 Tf -337.68 -24.96 TD (Defendants who receive actual notice of this Stipulated Judgment by personal service or) Tj /F169 11.05 Tf 0.24 -25.44 TD (otherwise) Tj /F169 11.09 Tf 43.68 -.24 TD (, are hereby restrained and enjoined from failing to create and retain the following) Tj /F169 11.09 Tf -43.92 -25.20 TD (records in connection with the sale of debt consolidation services or telemarketing:) Tj /F169 11.06 Tf 33.60 -25.20 TD (Accounting records that reflect the cost of goods or services sold) Tj /F169 11.11 Tf 287.76 -.24 TD (, revenues generated) Tj /F169 11.07 Tf -321.36 -24.96 TD (and the disbursement of such revenues;) Tj /F169 11.07 Tf 332.88 -41.76 TD (Page 24 of 28) Tj ET Q endstream endobj xref 1 2 0000952932 00000 n 0000952991 00000 n 164 7 0000953237 00000 n 0000953404 00000 n 0000987858 00000 n 0000953947 00000 n 0000953560 00000 n 0000953689 00000 n 0000953820 00000 n trailer << /Size 171 /Prev 952603 /Root 1 0 R >> startxref 991330 %%EOF % Page Description << /EndOffset 0001033301>> 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 101 0 R 108 0 R 115 0 R 122 0 R 129 0 R 136 0 R 143 0 R 150 0 R 157 0 R 164 0 R 171 0 R ] /Count 25 >> endobj 171 0 obj << /Type /Page /Parent 2 0 R /Resources 172 0 R /Contents 173 0 R /Rotate 0 /eCpyResolution 300 /MediaBox [0 0 591.36 768.00 ] >> endobj 172 0 obj << /XObject << /Im174 174 0 R>> /Font << /F175 175 0 R /F176 176 0 R /F177 177 0 R>> /ProcSet [/PDF /Text /ImageB /ImageC ] >> endobj 175 0 obj << /Type /Font /Subtype /Type1 /Name /F175 /BaseFont /Helvetica /Encoding /WinAnsiEncoding >> endobj 176 0 obj << /Type /Font /Subtype /Type1 /Name /F176 /BaseFont /Times-Roman /Encoding /WinAnsiEncoding >> endobj 177 0 obj << /Type /Font /Subtype /Type1 /Name /F177 /BaseFont /Courier /Encoding /WinAnsiEncoding >> endobj 174 0 obj << /Type /XObject /Subtype /Image /Name /Im174 /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 36166 >> stream 2SQ1c;)VF@̧33)@`.2\R SeFv` d 9"@ߙN2"D pvH)A qHaa   6ٸ:aa3Ah4A2ayAÇM?4 8aAM4MS¦x_ӻ§zi~tEDu%D&w_D~Mgɫ:933D}%K92(2侉spA:&ct>ttm&6T&OtDj6|&tvt'oooW'WW'nuuuuakW]]]]{uuWWW]p_~]_] #_D0P>:Z 6) A ؀q;6 "!J)?!)dPjBd0+h0 ׅOL TW=B 'ca= < pu馚7FM4OOTMFΕ֮F?QH7 oIW [ o H7_zKXAH6iIպӦ޴C]=>F*~Ӥ'AA=7O:tIzuְ}oM.<0?iӤ$oI}/KI?.t ZztIs_%%o믇UU_]> W]B |{WE|'M $}:Jz_:uta7z%6 ?_\A/*]j/zi%M_Hh=MII&JD>nP/|8~|??I/?_mRĿM7X?/K/KKF?/;K-!z KZ3onY?ވ^vI0]סG}'W_/ OqH%}}yK)K^7-nCz}~d7K] -]py֯t_t{Z۝ZK_m[[][_K׵ooV]wVտIյT[kեizmu_${]t\%nJ----l4m&mL͵m[Imvm.\m[JIma,&մm-m%m[Ivյm/V¶Ma8jV% &K (av)aa(am/Da _y[i0ՆAaa-JDPDM% -cm$AGV*%bحb+b)ccbca_᪨=7bbئ)XATWVN M5ji |5(Al- m;[ h5aA [0 (&i׻ W a ((&kpӆ CA 0 (a0aL`̐PasJ%쨄6ĤʼDMx*1#X'1ef" AAf:ħ:"# &7kkVG^?IDtGX;[˝ϲA 'CXacdpIfv00L6Mv,O)_X7ߺO0PR T 3%\O/}U*i _ê-ú^Q3^ӇI!'dnJy>fh͌%4)*I_"84]8a4aBvB\σ#(vf(W_ ntmF64\UEL* GMDDCk(#^ja=2(IAдѳ..mQ7z C jD^~>f2O6΢:2%]/I.[/Vl:ZWt:iRa;  ќ4< a0@A$D.R3ZGB˛צZ ]i6E'd<pɎ0dKZjLMiϰM0_!ȔC4ItCG%zƺ[+)Aaѹˆ.$[\AUr4[8 xB & fl%ٳ3#5Nn5#1K`z !W^ƽ~G/i7}7R8k,RpƐz \"i lB"N„aB >  0@FM6d, օGw=pp싏iMxoE(l2+pȃB-m'm__]~nnDr( p_jѣ&1:\'q ~Hv+za0 7I[o/ Y}Ѕa i}~/ޞ.Ut^}Wr/E?үQ O28Ju[vO^ Bz'E#GvwZtPo_l"o_X' ^a/z(bׅh'[p&4+^Xaau+﴿(/(I}!Za(i.ql5K)4 [l6 eI&)4 MZ[-;_lz%[2_j:_B[(_i4:h44aL4 $Pa-8b2::Jl$}~zF71O!"uͪݬM1A8QL dGtR&u4;0?. zVk}k? 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For current personnel) Tj /F183 11.07 Tf 224.88 -.48 TD (, delivery shall be within three \(3\) days of) Tj /F183 11.16 Tf -224.64 -24.72 TD (service of this Stipulated Judgment upon Defendants. For new personnel) Tj /F183 10.99 Tf 325.20 -.96 TD (, delivery shall occur) Tj /F183 11.11 Tf -325.92 -24.00 TD (prior to them assuming their responsibilities.) Tj /F184 5.00 Tf 33.12 -25.68 TD (Maureen Gaviola as Control Person: ) Tj /F183 11.00 Tf 173.28 -.24 TD (For any business that Maureen Gaviola controls) Tj /F183 11.08 Tf -206.40 -24.72 TD (directly or indirectly, or in which Maureen Gaviola has a majority ownership interest) Tj /F183 10.89 Tf 377.52 -.48 TD (, Maureen) Tj /F183 11.09 Tf -377.28 -24.48 TD (Gaviola must deliver a copy of this Stipulated Judgment to all principals) Tj /F183 11.72 Tf 321.84 -.72 TD (, offcers) Tj /F183 10.80 Tf 39.36 0.00 TD (, directors) Tj /F182 9.17 Tf 44.16 0.00 TD (, and) Tj /F182 10.06 Tf -405.84 -24.48 TD (managers of that business. Maureen Gaviola must also deliver copies of this Stipulated) Tj /F183 11.11 Tf 0.00 -25.20 TD (Judgment to all employees) Tj /F183 11.00 Tf 119.52 -.48 TD (, agents) Tj /F183 11.03 Tf 34.32 0.00 TD (, and representatives of that business who engage in conduct) Tj /F183 11.18 Tf -153.84 -24.72 TD (related to telemarketing or debt consolidation services. For current personnel) Tj /F183 10.90 Tf 344.88 -.72 TD (, delivery shall be) Tj /F183 11.17 Tf -345.60 -24.72 TD (within three \(3\) days of service of this Stipulated Judgment upon Maureen Gaviola. For new) Tj /F183 10.87 Tf 0.72 -25.44 TD (personnel) Tj /F183 11.18 Tf 43.44 0.00 TD (, delivery shall occur prior to them assuming their responsibilties.) Tj /F182 10.16 Tf -10.56 -25.20 TD (Maureen Gaviola as Employee or Non-) Tj /F184 5.00 Tf 176.64 -.24 TD (Control Person: ) Tj /F183 11.01 Tf 77.04 0.24 TD (For any business in which) Tj /F183 11.22 Tf -286.80 -24.72 TD (Maureen Gaviola is not a controllng person of the business) Tj /F183 11.00 Tf 265.44 -.48 TD (, but otherwise engages in conduct) Tj /F183 11.12 Tf -265.92 -24.96 TD (related to debt consolidation services or telemarketing, Maureen Gaviola must deliver a copy of) Tj /F183 11.09 Tf 0.00 -25.20 TD (this Stipulated Judgment to all principals and managers of such business before engaging in such) Tj /F183 10.82 Tf 0.00 -25.44 TD (conduct.) Tj /F183 11.09 Tf 33.36 -24.96 TD (Defendants must secure a signed and dated statement acknowledging receipt of the) Tj /F183 11.07 Tf -32.88 -25.20 TD (Stipulated Judgment) Tj /F183 11.04 Tf 91.20 -.24 TD (, within ) Tj /F184 7.20 Tf 36.48 0.00 TD (thirt \(30\) days of delivery, ) Tj /F183 11.03 Tf 125.28 -.24 TD (from all persons receiving a copy of the) Tj /F183 11.10 Tf -253.20 -24.72 TD (Stipulated Judgment pursuant to this Part.) 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