Ever since I've come to this forum I've been given access to all types of informational material as well as the sound advice of a lot of nice people. I want to give my personal thanks to all those who help others on this forum, including the mod's who are so educated in matters both in regard to collections and consumer protection law. (Especially Law student, Ang, Golden Bast, and FYI)
What you people do are very helpful to the people that come here for help.
Thanks to all of you
JCEMT