CIVIL CODE,DIVISION 3,HEADING,PARTICULAR,TRANSACTIONS,ENACTED,TITLE 1,FAIR,DEBT BUYING,DEBT BUYER,MEANS,PERSON,ENTITY,ENGAGED,THE BUSINESS,PURCHASING,CONSUMER,DEBT,COLLECTION,WHETHER,COLLECTS,ITSELF,HIRES,THIRD PARTY,ATTORNEY AT LAW,LITIGATION,MEAN,PURCHASE,CONSISTING OF,CREDITORS,BOOKS,ASSET,LOSS,EXPENSE,ACQUISITION,CHECK,COMPANY,THE RIGHT,COLLECT,PAPER,ELECTRONIC CHECK,INSTRUMENT,AUTOMATED CLEARING HOUSE,ITEM,MERCHANT,DELINQUENT,C,TERMS,DEFINED,SECTION,SHALL,APPLY,DEBT BUYERS,WITH RESPECT TO,SOLD,AFTER JANUARY,EFFECTIVE,JANUARY 1,WRITTEN,STATEMENT,DEBTOR,ATTEMPT,UNLESS,INFORMATION,SOLE,ISSUE,AUTHORITY,ASSERT,THE RIGHTS OF ALL,OWNERS,BALANCE,CHARGE OFF,EXPLANATION,AMOUNT,NATURE,REASON,FOR ALL,POST,INTEREST,FEES,CREDITOR,PARAGRAPH,TOTAL,DATE,DEFAULT,THE LAST,PAYMENT,NAME,ADDRESS,ACCOUNT,NUMBER,BE IN,SUFFICIENT,LAST KNOWN ADDRESS,PRIOR,THE SALE,DECEMBER 31,THE NAMES,PERSONS,ACCESS,CONTRACT,DOCUMENT,EVIDENCING,DEBTORS,AGREEMENT,THE CLAIM,SIGNED,ACTIVE,REVOLVING CREDIT,RECENT,MONTHLY,RECORDING,TRANSACTION,LAST,BALANCE TRANSFER,SATISFY,REQUIREMENT,THE INFORMATION,DOCUMENTS,IDENTIFIED,SUBDIVISIONS,CHARGE,CALENDAR DAYS,RECEIPT,REQUEST FOR INFORMATION,PROOF,CANNOT,CEASE,EXCEPT,REQUEST,CONSISTENT,VALIDATION,REQUIREMENTS,TITLE 15 OF THE UNITED STATES,CODE,WHOM,CONTACT,POSTAL,REQUESTS,SENT,EMAIL ADDRESS,PARTIES,WRITTEN COMMUNICATION,SMALLER THAN,POINT,TYPE,NOTICE,SHOWING,INSERT,SEEK,CHARGES,AS IT,THE CONTRACT,YOUR,MAILING ADDRESS,COLLECTING,PAST,THE FEDERAL,FAIR CREDIT REPORTING ACT,15 U S C,THE LAW,LIMITS,HOW LONG,YOU CAN,SUED,THE AGE,IF YOU,DO NOT,CONTINUE,REPORT,CREDIT REPORTING AGENCIES,REPORTING,CREDIT REPORTING AGENCY,LANGUAGE,ENGLISH,INITIAL,SUBDIVISION,DAYS,THE EVENT,CONFLICT,FEDERAL LAW,IMPRACTICABLE,PREVAIL,SETTLEMENT,DOCUMENTED,IN OPEN COURT,REDUCED,WRITING,ENSURE,SHOW,PAID,THE ENTITY,THE CURRENT,ELECTRONICALLY,FULL,FULL AND FINAL,COMPROMISE OF,FINAL STATEMENT,SELL,PERSONAL,FINANCIAL INFORMATION,RELATED,SUIT,ARBITRATION,LEGAL PROCEEDING,STATUTE OF LIMITATIONS,CLAIM,EXPIRED,ACTION,THE COMPLAINT,ALLEGE,PLAINTIFF,UNDERLYING,DERIVED,SHORT,PLAIN,ATTACHED,DISCLOSURE,IN PUBLIC,FINANCIAL,MEDICAL,CONFIDENTIALITY,PROTECTED,STATE,INITIATED,JUDGMENT,BUSINESS RECORDS,AUTHENTICATED,SWORN DECLARATION,SUBMITTED,THE COURT,THE FACTS,ALLEGED,PARAGRAPHS,SEEKS,DEFAULT JUDGMENT,ENTER,THE ACTION,TITLE THIS,AMEND,THE CODE,CIVIL,PROCEDURE,NOTWITHSTANDING,SERVICE,SUMMONS,ACTUAL NOTICE,IN TIME,SERVE,FILE,MOTION,SET ASIDE,LEAVE,FILED,REASONABLE TIME,EVENT,ENTRY,ONE HUNDRED,EIGHTY,THE CASE,IDENTITY THEFT,MISTAKEN IDENTITY,FEDERAL TRADE COMMISSION,VICTIMS,COMPLAINT,AFFIDAVIT,POLICE REPORT,THE VICTIM,CRIME,LIMITED,VIOLATION,THE PENAL CODE,THE JUDGMENT,MOVING PARTY,RELEVANT,DOCUMENTATION,SUPPORT,THE PARTY,DESIGNATE,OATH,LACK,CAUSED,HIS OR HER,AVOIDANCE,INEXCUSABLE,NEGLECT,THE ANSWER,PLEADING,PARTY,CONSIDER,EVIDENCE,OPPOSITION,THE PROCESS,SERVER,APPEARS,PROOF OF SERVICE,THE SUMMONS,FINDING,PERIOD,WHATEVER,VALIDITY,SELECT,REMEDY,SETTING,ASIDE,CASE,LIMIT,THE EQUITABLE,AVAILABLE,LAW,INDIVIDUALS,PROVISION,EQUAL TO,SUM OF,ACTUAL DAMAGES,SUSTAINED,STATUTORY DAMAGES,LESS THAN ONE,HUNDRED,DOLLARS,GREATER THAN ONE,THOUSAND,CLASS,FOR ANY,STATUTORY DAMAGES FOR,NAMED PLAINTIFF,FINDS,PATTERN,PRACTICE,DAMAGES,THE CLASS,NOT TO EXCEED,FIVE HUNDRED,OR 1,PERCENT,THE NET,WORTH,ENFORCE,LIABILITY,COSTS,REASONABLE,DETERMINED,AWARDED,PLAINTIFFS,PROSECUTION,GOOD FAITH,DETERMINING,FACTORS,THE FREQUENCY,PERSISTENCE,RESOURCES,SHOWS,PREPONDERANCE OF EVIDENCE,INTENTIONAL,BONA FIDE,ERROR,MAINTENANCE,ONE YEAR,RECOVERY,ROSENTHAL,FAIR DEBT COLLECTION PRACTICES,ACTS,WAIVER,PROVISIONS,CONTRARY,PUBLIC POLICY,VOID,UNENFORCEABLE,