CIVIL CODE,DIVISION 3,HEADING,PARTICULAR,TRANSACTIONS,ENACTED,TITLE 1,FAIR DEBT COLLECTION PRACTICES,ARTICLE,DEBT COLLECTOR,SHALL,COLLECT,ATTEMPT,CONSUMER,DEBT,MEANS,THREAT,PHYSICAL FORCE,CRIMINAL,CAUSE,HARM,PERSON,THE REPUTATION,THE PROPERTY,THE THREAT,FAILURE,DEBTOR,COMMITTED,CRIME,FALSE,C,COMMUNICATION,COMMUNICATE,FACT,ENGAGED,THE DEBT COLLECTOR,KNOWS,REASON TO BELIEVE,DEFAME,SELL,OBLIGATION,ACCOMPANYING,ASSIGNMENT,DEFENSE,ARREST,SEIZURE,GARNISHMENT,ATTACHMENT,PROPERTY,WAGES,UNLESS,ACTION,IN FACT,THE LAW,OBSCENE,LANGUAGE,TELEPHONE,DISCLOSURE,IDENTITY,EMPLOYEE,LICENSED,COLLECTION AGENCY,HIMSELF,ALIAS NAME,THE AGENCY,CAUSING,EXPENSE,LONG DISTANCE TELEPHONE,TELEGRAM,FEES,CHARGES,SIMILAR,COMMUNICATIONS,PURPOSE,TELEPHONE CALL,RING,ANNOY,COMMUNICATING,IN PERSON,FREQUENCY,UNREASONABLE,HARASSMENT,CIRCUMSTANCES,DEBTORS,EMPLOYER,NECESSARY,THE COLLECTION,ATTORNEY,WRITING,ONLY IF,VERIFYING,EMPLOYMENT,JUDGMENT,THE CASE,MEDICAL DEBT,DISCOVERING,THE EXISTENCE,MEDICAL INSURANCE,HEALTH CARE PROVIDER,AGENT,BE IN,WRITTEN COMMUNICATION,RESPONSE,DAYS,TIMES,PRIOR,WRITTEN,CONTACT,INFORMATION,MEMBER,FAMILY,SPOUSE,THE PARENTS,GUARDIANS,MINOR,HOUSEHOLD,PARENT,GUARDIAN,EXCEPT,LOCATE,NATURE,EXISTENCE,DEADBEAT,LISTS,ADVERTISING,FOR SALE,NAMING,DISPLAYS,NAME,ADDRESS,TELEPHONE NUMBER,SEEN,ANY OTHER PERSON,NOTWITHSTANDING,PROVISIONS,SECTION,PUBLICATION,CONSUMER REPORTING AGENCY,BELIEVED,LEGITIMATE,BUSINESS,NEED,COMMUNICATION WITH,WHOSE,BEHALF,ACTING,COUNSELOR AT LAW,STATIONERY,WRITTEN INSTRUMENTS,BEARING,THE ATTORNEY,AUTHORIZED,INSTRUMENTALITY,FEDERAL STATE,LOCAL GOVERNMENT,AGENCY,THE COLLECTOR,ACTUALLY,EMPLOYED,GOVERNMENTAL AGENCY,QUESTION,DEBT COLLECTION,MATTER,ADDITION,INVESTIGATION,SERVICE,FINANCE,LEGALLY,EXISTING,ALLEGED,ABOUT TO,COLLECTION,LETTERS,NOTICES,PRINTED,SENT,CLAIM,CREDIT,AUDIT,LEGAL DEPARTMENT,REPRESENTATION OF,TRUE,THE BUSINESS,RENDERED,LEGAL PROCEEDING,INSTITUTED,PAYMENT,SOLD,OR L,DEMANDING,MONEY,THE CLAIM,AFFIRMATION,BANKRUPTCY,COLLECTING,THE WHOLE,DEBT COLLECTORS,CHARGE,FOR SERVICES RENDERED,BY LAW,STATEMENTS,ACCOUNT,PREVIOUSLY,WITH RESPECT TO,NOTICE,REQUEST,ANSWER,CORRESPONDENCE,RETURN,DISCUSS,SUBDIVISION,APPLY,ORDINARY COURSE OF BUSINESS,INQUIRY,EFFECTIVE,JANUARY 1,JUDICIAL,PROCEEDINGS,SERVICE OF PROCESS,ESSENTIAL,JURISDICTION,REDUCED,COUNTY,ATTEMPTED,CREDITOR,SEND,LEGAL,JUDICIAL PROCESS,APPEARANCE,VIOLATION,MISDEMEANOR,PUNISHABLE,IMPRISONMENT,COUNTY JAIL,MONTHS,FINE,TWO THOUSAND FIVE HUNDRED,DOLLARS,PROVISION,SUBJECT TO,TITLE 15 OF THE UNITED STATES,CODE,SUBSECTION,PARAGRAPHS,PERSONS,PRINCIPAL,REFERENCES,FEDERAL,CODES,REFER TO,READ,RECEIPT,CEASE,COMPLETION,THE REVIEW,POLICE REPORT,FILED,THE VICTIM,IDENTITY THEFT,LIMITED,THE PENAL CODE,COLLECTED,STATEMENT,CLAIMS,PARAGRAPH,CONSIST,TRADE,AFFIDAVIT,CONTENT,VICTIMS,FRAUDULENT,THE PUBLIC,CALIFORNIA OFFICE OF,PRIVACY,PROTECTION,REPRESENTATIONS,MATERIAL,THE BEST,BELIEF,SUBMITTING,CERTIFICATION,GUILTY,THE STATEMENT,EXTENT,ITEM,BELOW,RELEVANT,ALLEGATION,DRIVERS LICENSE,IDENTIFICATION CARD,THE STATE,IDENTIFICATION DOCUMENT,FACTS,AVAILABLE,EXPLANATION,SHOWING,TRANSACTION,DOCUMENTATION,THE RESIDENCE,BILLS,UTILITY,TAX STATEMENTS,LIVED,QUESTIONS,DIRECTION,MAILING ADDRESS,IDENTIFICATION OF,WHOM,EXPRESS,AUTHORIZE,PERSONAL INFORMATION,SUFFICIENT,CERTIFY,DATE,SIGNATURE,NOTIFY,MUST,THE FEDERAL,FORM D,BUSINESS DAYS,COMPLETE,ADVERSE,CONSUMER CREDIT REPORTING,DISPUTED,REVIEW,THE INFORMATION,FILE,CONCLUDING,GOOD FAITH,MADE IN,MANNER,CONSISTENT,BASIS,PROCEEDING,PRESUMPTION,VALID,INVALID,ARISE,EXERCISE,RIGHTS,WAIVER,RIGHT,DOCUMENTS,SATISFY,MEET,REQUIREMENTS,REQUIREMENT,CEASES,DELETE,TERMINATED,POSSESSION,ENTITLED,NATURAL PERSON,FIRM,ASSOCIATION,ORGANIZATION,PARTNERSHIP,TRUST COMPANY,CORPORATION,LIMITED LIABILITY COMPANY,SEEKS,DUE AND OWING,ENTITY,VIOLATIONS,