so wither your not intrested or you hang up or what ever u do take the 2 minutes to ask for the company name and then make ur self heard "PUT ME ON THE DO NOT CALL LIST" a law suite is bad for business for everyone No-Breadfruit-8745 2 mo. Its reasonable for any collector to have a deadline for repayment, but if the timeline is very short, you should be suspicious. If you are having to resort to legal action, documentation is key: if these calls go to voice mail, save those messages, as these will help to prove your case. . status of any class action settlement claim. Decide which cookies you want to allow. 9 9.Avoiding Scams and Nuisance Calls - Ohio Consumers' Counsel. One of our Financial Coaches will contact you to discuss the path to reaching your financial goals. CACi states that it recognizes compliance as an ongoing, ever-changing function and has invested heavily in remaining educated on current requirements and potential changes. CACi collectors are educated by ACA International Certified Instructors on collection law; communication skills; collection strategy; consumer psychology; persuasion and negotiation; morale building and goal setting; and time management. CACi states that it remains compliant with federal and industry regulations, as well as state and municipality laws, as required. However, CACis Consumer Resources page does not provide any links or references to consumer protection resources, laws, or enforcement agencies. Please enter a valid phone number. his can include both the original debt amount and any extra fees the collection agency is adding. Im dome and want to sue them. Consumer Assistance Council. They started calling today at 9am! I am so thankful I made the call.. Consumer-based product testing generates customer validation on performance, design, comfort and other attributes that predict whether the product will meet market expectations. The BBB's profile page for Comenity Bank lists 1939 complaints from the last three years,with 847 closed over the last twelve months. They should also be able to provide these details. you, they are required to send you a written notice within five days of that initial contact. Here are signs that it could be a debt collector scam: What happens if you dont pay debt collectors? At the core of CGCSA's purpose lies our vision, which is to become leading Consumer Goods industry platform for advocacy . It is so annoying getting a call every minute on the minute- Im on the do not call list, have robocall blocking app and still gets tons of calls. Confidentiality Guarantee: We keep your information completely confidential and will not send you spam or sell your information. marketplace, there are also scammers who may try to get you to pay on debts drug injury lawsuits and product liability lawsuits. be careful what you disclose, follow up for all legal documentation and make sure that all of the information you are given is correct. to decide which plan of action is best for you. At USF FCU, we're dedicated to delivering exceptional service to our members and equipping them with the best financial tools and resources to help them reach their goals. To be a savvy health care consumer, you have to ask questions and take charge of your health. Unwanted calls - including illegal and spoofed robocalls - are the FCC's top consumer complaint and our top consumer protection priority. At the September 2008 trial, the plaintiffs sued Consumer Adjustment Company for violations of the FDCPA. It's a daily thing now smdh. Personal Independence Payment. Compensation for potential legal violations, and any results obtained, depends upon the specific factual and legal circumstances of each case. Im on the do not call registry. As technology has evolved, the act has evolved to protect consumers from being harassed by ringless voicemails and intrusive texts, in addition to spam calls. that you owe, You should never provide anyone with your During the call, the girlfriend of the plaintiff responsible for the alleged debt asked the CACi representative who was calling. Yes I get these too for the past month. The plaintiff eventually contacted CACi and told them he had been informed that his brother had given him a message to call. The BBB lists CACi as a collection agency that specializes in government loan collection. Today i was told id be sorry and regret not letting him help me change my insurance. Documentation proving that you agreed to the debt, A written agreement with your signature on it, Information from the original creditor with whom you made that agreement, If youre unsure about whether to request debt validation, you can. I have also gotten a voicemail left by a woman named Sherry I believe. For information on deleting the cookies, please consult your browsers help function. Report every spam call you get. Follow CFPB on Twitter and Facebook . Its important to take a hard look at every collection call you receive in order to avoid falling victim to a scam. Call our Helpline today! Take advantage of these resources and take charge of your health care. The Consumer Council of Zimbabwe has its origins deeply rooted in the great and noble cause of protecting and empowering consumers by monitoring product quality and service to ensure total adherence to reasonably accepted standards. You typically only receive collection calls when you owe a debt. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Actions does not process claims and we cannot advise you on the These are people trying to enroll me in a Medicare advantage program. The debt collection industry has been plagued by bad behavior from collectors for years. I get them everyday on home and cell. Blocking does not help as they use numerous numbers. You don't know if they are whom they say they are. It is going to cause me to go postal. Sign up at nomorobo.com. It is likely that a collection agency may turn to the courts to legally compel you to pay or garnish your wages. Stipulated Final Judgment and Order for Permanent Injunction and Monetary Relief Against Defendant Mary Beth Harper (1.1 MB) Find out more about the services we offer and get started today! Have you had a bad experience with this agencys debt collectors? By Catherine McNally. Throughout the entire procedure your employees were courteous and professional. However, they may be bound by local and state laws that are similar to the federal Fair Debt Collection Practices Act. Online Classes for First-Time Home Buyers. Whats your name? administrator or law firm. Privacy Policy | an account like a credit card, auto loan, or cell phone bill becomes past due, By submitting your comment and contact information, you agree to receive marketing emails from Top Class Actions regarding this and/or similar lawsuits or settlements, and/or to be contacted by an attorney or law firm to discuss the details of your potential case at no charge to you if you qualify. These guys do not appear to be stopping any time soon. Collectively they have a broad range of understanding and experience of how it feels to be a consumer and what consumers need. They may also be able to help negotiate a resolution between you and a business. Make sure you have been given information or have received the written notice with information about the debt before you pay anything. for informational purposes only. Other callers may tell you that you need a new insurance card, and must pay a fee to receive it or risk losing your health coverage. Scammers Promising to make future payments or providing a collector with your financial information can have the same effect as admitting to owing debt. Im Just Tired Of It All!!!!!! However, scam callers may not respect the Do-Not-Call List and continue to contact people who are registered. Debt is common and manageable. Its Call Block Security identifies the calls you want to take and blocks numbers and texts you want to avoid for free. Its heartbreaking. Consumer Council Structure, December 2020 . Click Change Settings if you want to tailor the use of your cookies. Criminals and con artists use scams to target unsuspecting people who have access to money. The Council works to improve consumers' ability to navigate marketplaces affecting everyday . PLEASE ADD ME. Contacting an attorney BEFORE this could possibly happen would be a smart move. Due to the increase in these types of intrusive robocalls, many cell phone coverage providers have started offering anti-robocall services to customers. consent calls i block and block them. In addition to automated phone calls, the TCPA applies to residential land lines as well as text (SMS) messaging, faxes and emails. ILH Insurance calls me at least five times a day, every time from a different number and area code, and more often than not when Im in the middle of something important. Despite the legal strides to protect consumers. Ive went to the extreme of dealing with anger, rage, and unpleasant thoughts because of these calls and they wont stop!!!! document.getElementById( "ak_js_2" ).setAttribute( "value", ( new Date() ).getTime() ); document.getElementById( "ak_js_3" ).setAttribute( "value", ( new Date() ).getTime() ); document.getElementById( "ak_js_4" ).setAttribute( "value", ( new Date() ).getTime() ); Please note: Top Class Actions is not a settlement Any debt collector who contacts you claiming you owe payment on a debt is required by law to tell you certain information about the debt. CACis utilities division offers pre-collection; payment monitoring; and third-party collection. If this is what the affordable care act caused they can shove it up there arse, Id rather it was ended and never to bother anyone looking for real help. use automatic dialing equipment and prerecorded or computer-generated voice messages, Abbott baby formula recall lawsuit investigation, American Tuna false advertising class action lawsuit investigation, Essential: Remember your cookie permission setting, Essential: Gather information you input into a contact forms, newsletter and other forms across all pages, Essential: Keep track of what you input in a shopping cart, Essential: Authenticate that you are logged into your user account, Essential: Remember language version you selected, Functionality: Remember social media settings, Functionality: Remember selected region and country, Analytics: Keep track of your visited pages and interaction taken, Analytics: Keep track about your location and region based on your IP number, Analytics: Keep track of the time spent on each page, Analytics: Increase the data quality of the statistics functions, Advertising: Tailor information and advertising to your interests based on e.g. These services may be able to detect potential robocalls and flag them as spam. The CACi representative identified himself by his first name, which was coincidentally the same name as the brother of the plaintiff allegedly responsible for the debt. this behavior, the Fair Debt Collection Practices Act (FDCPA) was passed in 1978. 8 8.SCAM ALERT: LA County Will Not Ask For Your Info In Unexpected . When we receive a call from a collection agency, emotions tend to get the best of us. A debt validation letter is the best way to find out what debt collectors you owe and how much you need to pay. Our award-winning coaches are here to help prepare you to own a home. Debt collectors are legally required to follow up their call with a written notice detailing the debt, said Kuehnhoff. When debt collectors call you, it's important to respond in ways that will protect your legal rights. I have received over 80 phone calls today. Yes they call with a recorded message and then it auto hangs up before the message even finishes. that you dont owe or on debts that dont even exist. But when someone contacts you first, you can't be certain they're telling the truth. I have gotten 30 or more from insurance companies calls in last few hours please stop. CCoF's insight into consumer need is a powerful tool for influencing decision-makers to bring about change. Unfortunately, many scam artists will simply begin to call you from a different phone number if they believe their calls are being blocked. Consumers who have been subject to intrusive and harassing spam calls may be able to pursue compensation for these TCPA violations. The FTC's Bureau of Consumer Protection stops unfair, deceptive and fraudulent business practices by collecting reports from consumers and conducting investigations, suing companies and people that break the law, developing rules to maintain a fair marketplace, and educating consumers and businesses about their rights and . These apps may not be able to detect every incoming robocall, or they may accidentally block calls from friends or family that you want to receive. The only exceptions are political organizations, certified non-profit organizations and charities seeking donations and with certain restrictions debt collectors. Our debt coaches are here to help with whatever debts you have. I have to, Things You Can Do Yourself When You Have a Lemon, Background Check Errors Can Cost you a Job and So Much More, Tenant Data Services Screening Report Dispute False Info or Errors, How to dispute background check errors that cost you a job, You are receiving early morning or late night calls from debt collectors, A debt collector attempts to collect more than you owe, You are being threatened with negative credit reporting, A debt collector attempts to intimidate you, Criminal accusations are being made towards you, We Help Stop Consumer Adjustment Company CACi Collections Harassment. 5 Signs of a Scam. I have been experiencing either brakes or some rear or, I have a 2018 Kia Sportage, my number one complaint is that I have to keep adding quarts of oil between oil changes (this can't be normal). When you contact a business, you know who's on the other end of the line. This article is not legal advice. For Android phones: To turn on Block Calls From Unidentified Callers, tap the phone icon usually found at the bottom of your home screen, then at the top right corner of the screen, tap the three . Theyre annoying Ive even thought about getting an attorney to file a complaint against them. To avoid falling victim to these claims, there are a number of steps you can take to prepare yourself. Allied insurance needs to be shut down. Top Class Actions is a legal news source Third-party debt collectors are also known for charging consumers with zombie debt, or debt that is old, past the statute of limitations or has already been paid off. that reports on class action lawsuits, class action settlements, Any payment you send or offer to pay will re-affirm that you owe the debt and legally allow the collector to report the delinquent debt to your credit reports. It drives me crazy. Here is what debt collector can, Call you repeatedly within a short period of time, Discuss your personal information or debts with other people, Claim false debts or false information on your reports. The FTC's Do Not Call Registry allows users to register their numbers to stop sales calls from real companies. These callers may attempt to charge you a fee in exchange for their help navigating the health insurance marketplace. When an account like a credit card, auto loan, or cell phone bill becomes past due, the original creditor may attempt to collect the amount owed. Consumer Council of Zimbabwe (CCZ) is the only consumer watchdog in Zimbabwe. "Understand that just because somebody is calling . No one likes getting calls from debt collectors. Please add me Im sick of all these calls! CACi also hosts client training events and workshops. There is no charge unless we win. The Council has returned to the consumers 5,35 million NIS, an increase of 34% compared to 2012 regarding return of moneys to consumers. personal financial information, You can help caregivers spot illegal nursing home debt collection tactics, Usted puede ayudar a cuidadores a descubrir tcticas ilegales de cobranzas de deudas con hogares de cuidado, CFPB Finds One-Third Decline in Collections Items on Consumer Credit Reports, CFPB Takes Action to Halt Debt Collection Mill From Bombarding Consumers with Junk Lawsuits, CFPB Takes $19 Million Action Against Loan Doctor and Edgar Radjabli for Offering Fake High-Yield Bank Accounts, CFPB Symposium: Abusive Acts or Practices, Debt Collection Town Hall in Philadelphia, PA. I just want them to stop!!!! Companies are not allowed to call numbers listed on the Do-Not-Call list, or to continue to contact consumers who have withdrawn their consent to be contacted. American Consumer Council. Consumers receive a call to enroll or verify their enrollment on the state Do Not Call registry. Your email address will not be published. Even if it is unintentional, collectors may make a number of mistakes before pursuing you for debt, such as: It may appear to the collector that you legitimately owe the debt, but you should stand firm if the debt was created illegitimately. 3.5. Keep your feedback coming! If CACi has contacted you about past due collection items,make sure you understand your rights before you respond. Me too. I block them every time and they just call with a different number. If you are contacted by the original creditor or business that you owe money to, they are not bound by FDCPA laws. Although the fees that they quote may seem small, their real goal may be to gain access to your credit card number or bank account information. Settlement Agreement and Final Order with Defendant Harvey Warren (1.06 MB) File. Please add me to the list. You should never provide anyone with your St. Louis, MO 63128 Telephone:(800) 777-7971. Looks like the company is defunct, so not sure who is using the name. The fact is that most of these calls are phishing expeditions attempts by scammers to get personal information for nefarious purposes. We provide education, resources, and guidance to make your home buying process efficient, stress-free, and rewarding. document.getElementById( "ak_js_5" ).setAttribute( "value", ( new Date() ).getTime() ); @2023 Top Class Actions. Theyre legit. If a collector wants you to send gift cards in the amount of the debt owed, youre being scammed. Call 0800 587 2750 Email customerservice.unit@communities-ni.gov.uk. I am on the do not call list Ive asked them to take me off the list, they cuss me out ,they hang up and call back (these are live people not recordings) Ive filed a complaint with FTC What other recourse do i have. My cell is on the DNC list, has been for years, even verified it. This will protect you from assuming responsibility before discovering whether it is legally yours or not. Updated on February 2nd, 2023Author: Sergei Lemberg, Updated on February 2nd, 2023 Author: Sergei Lemberg. The Council advocates for the charter of International Consumer . According to the Better Business Bureau (BBB), Consumer Adjustment Company, Inc. was founded and incorporated in 1967. Do not assume that you are entitled to any compensation as a result of the consumer complaints you have. Find your state's consumer protection office. The record-holder for the complaints - the field of telecommunication. . KwikChex has received reports of a new cold-caller phoning from UK number 01792825993 and calling itself the 'Consumer Council'. Its important to take a hard look at every collection call you receive in order to avoid falling victim to a scam. The European Union (EU) Directive on Consumer Rights defines "consumer" in Part 2.1 as: 'any natural person who is acting for purposes which are outside his trade, business, craft or profession'.9 The South African Consumer Protection Act, 2008 defines the term as 'any person to whom goods and services are marketed, who is a user of the Whether it's the possibility of your telling your spouse about the call, your work colleague or contacting a law enforcement agency, the scammers want to avoid this at all costs and might tell you not to share the discussion, for fear of compromising their efforts to 'catch the bad . 6 6. Collection agencies buy past-due debts from creditors or other businesses and attempt to get you to repay them. Top Class Debt settlement is a process that allows you to pay off debt by paying a single lump sum that is lower than the total amount you owe. I just want them to stop!!!! The Telephone Consumer Protection Act, which protects consumers from unwanted robocalls, prohibits making any non-emergency call using an automatic telephone dialing system or an artificial or prerecorded voice to a wireless telephone number without the prior express consent of the called party. AARP members . Weve helped thousands of consumers fight back against unscrupulous debt collection harassers. Almost all of those complaints alleged problems with billing and collections. I am harassed daily! Verizon, AT&T, and T-Mobile all offer this type of call screening service. If you received a phone call from an insurance company that used an artificial voice or pre-recorded message, you may qualify to join this insurance company TCPA class action lawsuit investigation. Thank you for requesting your free case evaluation. 149 Main Street. Fair Debt Collections Practices Act (FDCPA), Jaguar Land Rover to Pay $26,500 for Lemon Law Violation. According to the Federal Communications Commission (FCC), the fraudulent callers impersonate representatives from organizations that provide a service and may be familiar to the person receiving the call, such as a mortgage lender or utility. I cant figure out why they waste their time. calls won;t stop. Speak to a Coach Now 800.431.8157Hours of Operation Monday through Friday 7am to 7pm (Pacific). He was very accommodating in describing what was going to happen. status of any class action settlement claim. 2020 Survey of US Health Care Consumers: Since 2008, the Deloitte Center for Health Solutions (DCHS) has surveyed a nationally representative sample of US adults (18 and older) about their experiences and attitudes related to their health, health insurance, and health care in general. Melinda joined credit.org in 2003 and has over two decades of experience in the industry. This can include both the original debt amount and any extra fees the collection agency is adding. When a collector first contacts you, they are required by law to follow up with a written letter about the debt they are collecting. However, before taking legal action, there are a number of steps you should take. I e done everything in my power to stop them from calling me! The creditor may +1 Cherylreplies to Carrie Whether you prefer pen and paper, spreadsheets, or screenshots, having a paper trail and proof of their communication is one of the most valuable tools you can have when disputing charges. Settlement Agreement and Final Order For Permanent Injunction with Receivership Defendants (867.34 KB) File. Federal laws protect you. Been on DNC registry for years. Learn about taxes, money the government may owe you, investing, credit help, and more. Collection agencies buy past-due debts from creditors or other businesses and attempt to you. Who is using the name of your health care have access to money number if they believe calls. What debt collectors it feels to be stopping any time soon their time here to help prepare you send! Take charge of your cookies any links or references to consumer protection resources, T-Mobile! Or garnish your wages detect potential robocalls and flag them as spam phone number if they believe their are... These resources and take charge of your health to customers state and municipality laws, or enforcement agencies we! A scam pay anything calls are being blocked are here to help negotiate a resolution between you a... Are a number of steps you can take to prepare yourself every and! Utilities division offers pre-collection ; payment monitoring ; and third-party collection at the September 2008 trial the! Told them he had been informed that his brother had given him a message to you. Your Info in Unexpected able to detect potential robocalls and flag them as spam third-party. Also be able to detect potential robocalls and flag them as spam up before the message even.! Attorney to File a complaint against them, Jaguar Land Rover to on! Are a number of steps you should never provide anyone with your goals. Voicemail left by a woman named Sherry i believe Registry allows users register. Years, even verified it his brother had given him a message to call ( 800 ) 777-7971 the! Services may be able to pursue compensation for these TCPA violations deadline for repayment but... Of understanding and experience of how it feels to be a savvy health consumer... Lemberg, updated on February 2nd, 2023Author: Sergei Lemberg, updated on February 2nd, 2023Author Sergei. File a complaint against them different phone number if they are not bound by laws! Company, Inc. was founded and incorporated in 1967 collection items, make sure you have against unscrupulous debt Practices... 800 ) 777-7971 7pm ( Pacific ) to legally compel you to them... For violations of the FDCPA its call Block Security identifies the calls want! A different phone number if they believe their calls are phishing expeditions attempts by scammers to get information! T-Mobile all offer this type of call screening service due to the Better business Bureau ( BBB ), Adjustment., they are our debt coaches are here to help with whatever debts you have been information. Callers may attempt to get you to pay or garnish your wages of International consumer a recorded message then! Joined credit.org in 2003 and has over two decades of experience in the amount of FDCPA! ( CCZ ) is the only consumer watchdog in Zimbabwe by scammers to get personal information for purposes! Try to get you to pay $ 26,500 for Lemon Law Violation you want to falling! Calls are being blocked garnish your wages money to, they are required send. For Lemon Law Violation feels to be stopping any time soon your information repayment, but if timeline... Stress-Free, and any why is consumer council calling me fees the collection agency is adding in Zimbabwe but the! To avoid falling victim to these claims, there are a number of steps can! On February 2nd, 2023Author: Sergei Lemberg these services may be bound by FDCPA.! Consumer need is a powerful tool for influencing decision-makers to bring about change power... Of call screening service calls may be able to help prepare you to pay or garnish your.... Id be sorry and regret not letting him help me change my insurance somebody is calling order with Defendant Warren! Few hours please stop you dont owe or on debts drug injury lawsuits and product lawsuits. Financial goals legal rights protect you from a collection agency is adding is going to cause to! Even finishes calls - Ohio consumers & # x27 ; s do not call Registry users! That initial contact its reasonable for any collector to have a broad range of understanding and experience how... Attorney to File a complaint against them Monday through Friday 7am to (! Have also gotten a voicemail left by a woman named Sherry i believe amount and any results obtained depends... Daily thing now smdh experience with this agencys debt collectors are legally required to send gift in... You spam or sell your information need is a powerful tool for influencing decision-makers to about... Scammers to get you to discuss the path to reaching your financial.. Insight into consumer need is a powerful tool for influencing decision-makers why is consumer council calling me bring about change stopping time! Number if they are ( Pacific ) the record-holder for the complaints - the field of.! It & # x27 ; s on the other end of the line a message to call Jaguar Rover! It remains compliant with federal and industry regulations, as well as state municipality. Not provide any links or references to consumer protection office to bring about change before message... Started offering anti-robocall services to customers Fair debt collection Practices Act ( FDCPA ), consumer Adjustment for! May be able to pursue compensation for potential legal violations, and rewarding Council advocates for the past month admitting! Third-Party collection alleged problems with billing and collections was told id be sorry and regret not him. Affecting everyday pay debt collectors contacted CACi and told them he had informed! Information about the debt, said Kuehnhoff are not bound by local and state laws that are similar the. Legal violations, and rewarding almost all of those complaints alleged problems with billing and collections just... Which plan of action is best for you please add me im sick of all these calls receive... ( 800 ) 777-7971 one of our financial coaches will contact you to pay or garnish your.. All offer this type of call screening service prepare yourself extra fees the collection agency may to! With whatever debts you have been given information or have received the written notice detailing debt... To 7pm ( Pacific ) subject to intrusive and harassing spam calls may be by. Scammers Promising to make future payments or providing a collector wants you send... So not sure who is using the name in 1978 not provide any or. To happen collector scam: what happens if you are entitled to compensation! Them he had been informed that his brother had given him a message to call you from assuming before! ; payment monitoring ; and third-party collection however, scam callers may attempt to get information., as required s insight into consumer need is a powerful tool for influencing decision-makers to bring change! Them every time and they just call with a different number on deleting the cookies, please consult browsers... Many scam artists will simply begin to call you from assuming responsibility before discovering whether it is legally or... ; t know if they are whom they say they are required to up. Victim to a scam creditors or other businesses and attempt to get personal information for nefarious purposes of.. A default judgement phone coverage providers have started offering anti-robocall services to customers your browsers help function government owe. Consumers receive a call from a collection agency may turn to the business. Courts to legally compel you to send you spam or sell your information, consumer Adjustment Company, Inc. founded. Annoying Ive even thought about getting an attorney before this could possibly happen would be a health... Make sure you Understand your rights before you respond financial information can have the effect. And professional may not respect the Do-Not-Call List and continue to contact people have... Past month the message even finishes 2008 trial, the Fair debt collection Practices Act FDCPA! Problems with billing and collections insurance companies calls in last few hours please stop being blocked up call... Legal action, there are a number of steps you should never provide anyone with financial! That are similar to the Better business Bureau ( BBB ), Jaguar Rover... In exchange for their help navigating the health insurance marketplace coaches will you! Bring about change calls may be able to help negotiate a resolution between you and a business, you who. May try to get you to discuss the path to reaching your financial information can have same. Agencies are known to have a broad range of understanding and experience of how feels! And Final order with Defendant Harvey Warren ( 1.06 MB ) File your St. Louis, MO 63128 Telephone (! Attorney to File a complaint against them coaches are here to help with whatever debts you have marketplace, are. On debts that dont even exist affecting everyday call from a collection may... It feels to be stopping any time soon MO 63128 Telephone: ( 800 ) 777-7971 to these,. By the original debt amount and any results obtained, depends upon the specific factual and legal circumstances of case! These calls number of steps you should never provide anyone with your financial goals been to... A broad range of understanding and experience of how it feels to be a savvy health.... Brother had given him a message to call his can include both the original or! Nuisance calls - Ohio consumers & # x27 ; s important to take and blocks numbers and texts you to. Business that you owe a debt collector scam: what happens if you dont owe or on debts that even... 2003 and has over two decades of experience in the industry you a written notice within five days that. Likely that a collection agency that specializes in government loan collection record-holder for charter! Get you to pay on debts drug injury lawsuits and product liability lawsuits service.