Riscuity threatened to arrest unless payment in full

Hi marauder

Welcome to the forums.

A collection agency can hit your credit file only if it has a legitimate cause. Since you know that the account Riscuity is holding is not yours, they don't have the legal rights to enter information in your file.

If they have already entered some information that is derogatory, you have to check whether it is true in all sense. Since you say that the said debt is not yours, it means that the item needs to be disputed. Place a dispute with this company after you have seen the account details in writing. Also, check the SOL in your state and know if the debt is within the collection period or not.

Summarizing everything, you have two reasons to dispute with the company. First, show proof that this account belongs to you, and second, if it does, show that the SOL has expired(if it has).

If this account is proven as not yours, then you need to take steps to get the collection agency removed from your file. They are hurting your credit identity by entering a derogatory remark.

You need to take these steps fast otherwise the company might file charges on you saying that you are not paying your debt account. That will take a serious bend.

Do let us know if you face problems in between.

Regards
Roxette

Can the people trace me thru you and bring suit becasue I voice on this site. I was told they can and I will have to pay cause I am a debtor and I can not talk about them bad. even the truth

If you have a debt, you know you have to pay it. But you also have the legal right to defend yourself saying that your account has not been properly put in front of you.

Riscuity cannot take any actions against any of us in this forum as it is stating the facts that are realized by the consumers. We all have the rights to protest against anything that is illegal.

You are in a message board of this site and you are not even a member here. This means, that the debt consolidation Care Company does not have your contact information. Even if they had, like our members here, sharing of personal information is against the privacy policy and is a legal crime if it is done. Please read the privacy policy of this company here

http://www.debtconsolidationcare.com/privacypolicy/

Guest, do not let your voice turn down. We are all with you fighting against the injustice done by Riscuity.

Quote:

thanks man i was starting to shake, i don't need no more propbles then i got with Riscuity. a PI named Sargent Santos has been questioning my friends and family about me and who i work for, stuff he got no right to then i call the office they first say they got not sargent santos then he calls me back on the number i called him from, had to have a caller id,an says hey i hear you are looking for me, if i tell him what he wants, my bank account for a payment by phone for 432.60 today he will stop calling my friends and family, i told him to eat crap and don't call nobody again,and he told me i just made a big mistake he make me feel like he was outside my door, gave me the watch you back feeling. i just slam the phone down, i am trying to get the bucks to send him, no way he gona get my bank numbers.

Don't worry, instead you should put Sargent Santos in legal troubles. Put your complaint at the FTC, BBB as well as the local attorney general office. He will act in the best of their behavior.

ATTENTION! Riscuity operates in violation of numerous consumer protection laws. Educate yourself in the laws regarding credit collection and reporting. There are numerous websites, forums, etc. that can help. Get busy and start reading your rights under the law! Everyone should be knowledgable in credit issues. Credit reporting can impact virtually every aspect of your life.
I like the idea of calling Chen's phone number. But I am going to call collect. This guy operates Riscuity thinking they are above the law and no one has the expertise to combat their illegal onslaught of collection practices. These people don't care if you are a parapalegic, your child is in the hospital, or your husband just passed away. The bottom line is to scare the heck out you, get a payment, get a bank account number, get you so nervous and afraid that you will cave in.
YOU ARE IN CONTROL - NOT RISCUITY.
Send a debt validation letter return receipt certified mail $4.42. Include in the letter to cease & desist contacting you except by mail.
Absolutely document every phone call and exactly what was said. You are taking the offense in compiling a list of violations for future use.
Riscuity will probably not comply with your letter. That is a good thing and another violation that goes on your list. I will repeat - educate yourself in the credit laws and your rights. You'll feel much better about yourself once you start this process.
The payday advance companies cannot sue or refer your bounced checks to law enforcement. Go to the website of your payday company and read about their policies.
Read your loan agreement fine print. It's all there.
These scumbags will continue with the threats, calls, and harassment. Do not respond to their phone calls.
Do the research I suggested earlier with the Attorney General, Licensing, FTC. Riscuity will claim they are licensed but usually in most states they need to be licensed in the state that their client is located. In the case of the payday companies these are all franchises and probably locally owned. Riscuity will try to scare you otherwise.
(I've called Chen's number twice and am leaving messages).
Everyone here dealing with Riscuity please stay active on this forum with updates. There may be a possibility of contacting you in regards to my Riscuity lawsuit. In the meantime, get educated, document everything, fight back, and call Chen with your opinion of his gang of terrorists.

Forgot something from my last post.
Don't forget to call E. Chen, the owner of Riscuity and wish him a Merry Christmas in the same spirit his people are harassing you.
770-814-8049.

I am so glad I found this website! I had been thinking I was alone in dealing with this Riscuity BS. My problem is similar to some that I have read but I am looking for some advice because I am at my wits end with them! I had a collection acocunt with riscuity and set up a payment plan with a local lawyer who represented them in my state to avoid having a judgement put on my credit. Well I had been making my payments everymonth to this lawyer since december 04 when in may 05 i was contact by someone from riscuity directly about my debt, they had the wrong account balances and didn't believe that I had been paying. They were actually trying to get me to pay the full balance without applying the $500 I had already paid (scumbags)! Luckily I kept a letter with my arangement with the lawyer and faxed it to them. They said that the contact the lawyer and got my updated balance but to just pay them directly and no one else. So I did from june until september, in september i paid my debt off with them in full. I had been waiting for them to send me a letter stating that my account was paid in full with no luck. I waited 2 months for a letter and nothing. then recently I got in contact with someone and they said that they would be faxing me a letter but that it took 24-48hrs to process. I said okay that is fine and gave them my fax number but told them that i share my fax umber with my home phone so if the could let me know when they were faxing. Of course I heard nothing from them but I left my fax machine on for a whole week and used only my cell waiting for those dummies and they never sent anything. In the middle of the week I called back since it had already been 24-48hrs and they told me it would be another 24-48hrs and that there are 200 letters in front of mine. I said well I have been waiting for you guys to send me something for 2 months and you are still saying I have to wait!!!???? WTF?! In the meantime I am apply for a loan to close on my house which is why I paid them off so early because I figured I would have a letter of payment by now. This is where my story gets good, in my frustration with Riscuity and not being able to get a letter and being refused to be given the contact info of their executives so that i could voice my complaint, I contact the laywer I originally was paying to see if he had and documention that I paid in full. Meanwhile my credit is being pulled by my loan officer and there are 2 judgements on my credit!!! The last thing i need when I am trying to buy a house! The lawyer said that he filed a second judgemet on my because i stopped paying and defaulted in our agreement. I told him I had been paying Riscuity directly and to contact them to verify. Of course after a couple of days he tells me he can't get in contact with anyone there and also said that he contact their main law office in denver and they said that have me defaulting as well. I faxed him copies of my bank statements showing riscuitys withdrawls (that all have riscuitys name next to the amount and date) i am sure he was upset since it seemed like he had his mind set that i was lying. Anyway a couple more days go by and I hear nothing from him so i call him back and he says that he got my faxes but he hasn't heard anything back from riscuity yet.

Now, I am about to close on a house in about a week and a half and I dont see any light at the end of the tunnel because I doubt if I get a letter from riscuity saying my account is paid in full, right now that is all that I need along with a letter from the lawyer saying that the 2 judgements are going to be dissmissed from my credit report as per our agreement. There has to be something done about this company, they are like a cancer and are invaiding almost every aspect of my life, that is not necessary especially since I paid them 2 months ago and was paying them every month.

So if anyone ha any avice on what I can do i will gladly take it. I can't think of anything else that i can do to satisfy this. Also, does anyone know if there is a law that says creditors have to send documentation when a account is paid in full within a certine amount of time?

Angie, Your whole story sounds somewhat confusing. The first question is - What exactly do you have in writing as to the original debt, payment agreement, judgement, etc. Verbal agreements mean nothing in the collection biz especially when it comes to the leeches at Riscuity. Also if I read that Riscuity has your bank account # you better cancel that account and notify your bank to cancel Riscuity withdrawals. These parasites will continuously withdraw from your account and demand more $$. They can be very creative and dishonest in their reasons for increasing your debt and will stop at nothing short of a lawsuit in their pursuit of your money.
What exactly do you have in writing? Did you check to see if they are licensed in your state? How did the attorney get 2 judgements against you? No-show in court?

Hi Clark,

Sorry for the confusion. I have a written agreement with the attorny who represents riscuity in my state (or the state I used to live in, I recently moved). The agreement is to pay the original debt in full including interest, we came to this agreement before the court date of the 1st judgement. The agreement was to vacate the judgement once I paid the debt in full, I just couldn't miss any payments. So like I said in my last post I paid in full but the attorney filed another judgement on me because riscuity didn't let him know that I was paying and that it was paid in full. I paid it off on 9/1/05 and the second judgement was filed on 11/14/05, to me this shouldn't be vaild at all since I paid it off 2 months earlier. The 1st shouldn't be vaild at all as well because this is the agreement we came to. I checked with the Courthouse to see the status and they have the first one as a consent settelment. They dont have any rcord for the second yet, the only way I know that they filed against me again is because the attorney told me when I called him. I hope this helps...with my payment agreement I should have zero judgements. What really burns me up is that I paid in full they have about $1400 of my money and I have no letter from them stating that my account was paid off in full so I cant even filed a petition to vacate on my own because I have no letter from them, all I have is bank statements showing their withdrawals!

I was reading this with my hubby last night and we are going to call the bank and let them know that riscuity is no longer authorized to withdraw money fom that account.. Because we are about to close on a house we cant change the bank account just yet but we are going to as soon as we move. Also i wasn't required to show up in court because the agrrement was settled before our court date. I haven't checked to see if they are licensed in my state yet, is there a way to do this on the internet so that i could possibly do it before the state government opens on Monday?

Hi Clark,

I found the site for my state to see if they are licensed and they are, they are licensed as Riscuity Asia, Inc. They have 2 licenses one with an address for Marrietta Georgia (this is the one that I am dealing with) and another with the same name with an address that looks like it is nt a US address. Now what I found that was extremely interesting was the original issue date of the licenses for both.

The out of country address info is:
Category: Collection Agency
License Number: 4188
Expiration Date: 04 - 28 - 2007
Original Issue Date: 07 - 28 - 2005
Federal ID Number: C5200251787
Status: ACTIVE

The GA office that I have been dealing with info is:
Category: Collection Agency
License Number: 4268
Expiration Date: 12 - 06 - 2007
Original Issue Date: 12 - 07 - 2005
Federal ID Number: C5200251787
Status: ACTIVE

I am thinking this is probaly why the attorny asked that I pay him directly at first, our agreement and my first payment was was in 12/2004. I started paying Riscuity directly in 06/2005 at their request. They told me to not pay the attorny anymore and to pay them directly. So they have collected money from me between 06/2005 and 09/2005 with out being licsened in my state.

I wonder if the 12-7-05 date is the firt date of lic, if so they opereated up until that date with no lic in your state. the origianl issue date should be 2003 the yr the company started doing business in your state. if its 2-7-*05 they operated in you state with no valida lic. the Riscuity Asia lic is not valid for RIscuity USA. Riscuity does not have lic in all states, I check them out and are pending a reply of complaint for there collections in states non lic.

First let me clear something to all of you, Riscuity purchased your debt,they own it, they are not third party, they go out and purchase your bad debt from the payday loan companies for pennies on the dollar, they do NOT have attorneys in each state, they have one atty in their office lic in GA and she would need to be lic in every state to try to bring legal action against anyone outside of GA. They will have to hire a attorney in your state in order to file anything in the courts against you. they may have associates that are attorney firms in some states but they do not retain attorneys in all states so don't be fulled by that. Dispute the bill, request proof, a copy of the original check, I can tell you now they will not be able to prove half the people they call owe a bill, they work from a list of debts, a computor print out is loaded to their computor system, they never see your check, to collect it they must produce proof of the check if you request it. a copy of the original check. One in 10 will get a copy the others can get the debt canceled, no proof no debt.......

Can any of you tell me if this company in Ga is a law firm. A man keeps calling me about a check I am sure I cleared up back in March. I told him so when he called but he said his "firm" only handles audit bad debts and I still owe one of those debts. He has indicated he is with a firm, when I told him I had to go back and try and see what checks I did clear up , see I used my incometax money to take care of all the checks. I did not have copies of my cancel checks as my bank does not send copies any more. I ask for a copy of the check and he said once it goes this far I can view it in court. He is not obligated to give me a copy, I know I wrote the check now pay it. I am not stupid I know he has to prove the debt but I moved and he said he notified me with no return mail so I lost my 30 days to dispute the bill and stop action. He claims he will continue to process legal action against me not letting me have time to go to the bank and get copies and dig out the paid notices Payday Loan sent me. I am sure I paid all the checks, I am sure I gave them 3 checks, and I cleared 3 plus charges so I am not sure what check he has. Could he have one of the checks I clear up, he is just not willing to help me resolve it. He thinks I should pay now and if proof its was paid he will see I get a refund. Should I pay it. I am trying to start my life over, keeping things paid and staying away from these type of loans

Liddy, take the help of the credit bureau in resolving this matter. They will investigate the matter and provide you the details. Don't pay anything to Riscuity. They are a law firm and they are trying to intimidate you. Without seeing any proof of this debt, don't agree to pay them in anyway. You will never know where your money actually went.

Send a debt validation letter to the company and get the accurate details in writing. Send it certified with return receipt requested. Read this article that explains this process minutely.

http://www.debtconsolidationcare.com/validation.html

Don't worry. Keep a check on your credit report. No company can report in your credit file without legitimate reasons. If they do so, take the help of an attorney. Hope you take care of your credit worthiness.

Not very intelligent, are they!

Ari, what is your view in this matter? We need to discuss on these things so that things are sorted out from the base.

Yes Liddy - go via the Credit Bureau, i did in a similar situation and it was resolved.

Mr. White should be fired. He threatened me several times. Later someone else called back acting all nice. He also told me I would suffer severe actions. He wouldn't give me an explaination about anything. All he did was yell at me.

Liza, a company attempting collections should send you the details of the debt in writing. They are legally forced to do it so that people can review its details. As the company is not giving any genuine explanation, have you considering hiring an attorney? Usually, these companies behave well if you involve an attorney in the process. The lawyer will suggest you ways on how to deal with this company and resolve the matter. I think you should look for a lawyer who deals with fdcpa violations.

I happen to know this company and how they work. First of all, they purchase these accounts. When they purchase your account, they become your creditor. Your contract that you signed is still enforceable. When you read your contract it clearly states that they have the right to debit your account on a bounced check. Next, remember, you where the one who bounced the check in the first place and did not fulfill your obligation of the loan agreement that you signed. Payday loans are exactly that a loan and you have to pay it off. Bouncing your payments causes the problem. Next, ALL of the phone calls at Riscuity are recorded. There is a compliance officer that is consistently monitoring and listening to recordings, so do not believe all these stories of threats and lawsuits.

Finally, Riscuity is licensed in every state they collect in and for those states where they do not have a license they outsource those accounts to agencies that are licensed in those states. My understanding is that Riscuity has now hired someone to track down erroneous posters on this message board who are sending in these false posts and they will be dealt with accordingly. It has always been the company policy that they will not tolerate abusive behavior from their collectors on the phone. It is also the company policy to work out arrangements whenever possible to help resolve the collection account.

Fair warning to those posting false information on this message board. You will be tracked down and dealt with. Remember everyone has a IP address on their computer and that is traceable. So far it has been found that four of the "posters" using different names are coming from the same IP address.

Here we go again, another employee protecting the company. Is the last paragraph written here considered a threat to the people reporting them? Sounds to me like they are guilty as sin and they are trying to cover their tracks.

Eric,

how can the IP of a user be tracked when you have not been given the rights from the admins of this forum. Go, get some technical knowledge before you open your mouth. If you need tutorials, I will teach you. My fees will be the amount you made fraudulently from these innocent people. :)

Go get'em david.

I think roxette, mikeyindetroit,Clay can do the needful for us and verify the IP of the poster.

Deadbeats who bounce checks, write checks on closed accounts. Cry-babies that can not stand up to the heat in the kitchen when they get called to pay their bills. EX-employees of a company spreading false statements. So called moderators who do not know their butts from a hole in the wall. People who can not spell for crap. Everyone on this message board should just grow up and get a life! If you play by the rules then you would not get called by collectors!

Hey Ben why do you go vent somewhere else and while your spelling might be okay, you seem to have a problem understanding the forum.. People who post here are not deadbeats.. they are trying to pay their bills.. all they ask is that the collectors play by the rules as well. so get off your high horse and either a)admit that your a collector (not the good kind like Ari and Matt) or b) you should be the one to get a life (meaning if you are not a) and have no debt problems why are you here?)

and by the way have a nice day.

Riscuity has not called us about any debt but they are harrassing our family members that do not have anything to do with our finances. When we call they are rude and tell us they will call anyone they please to get money. We also have ask for proof of any debt as we have worked hard to remove all our debts and do not have knowledge of any debts we have to anyone now other than Mortgage, utility and insurance none of which we are behind on. We have been treated rudely and I do not believe that it is illegal to talk to others about our debts.

First of all an IP address is not on the computer. Most of the IP addresses that you receive are DHCP (Dynamic Host Configuration Protocol) which most of the time renews an IP address based on the leasing schedule of the DHCP server. Another is, you can't trace an IP if you don't work for the company that the messages are being sent to. You are only getting the address from debtconsolidationcare.com and its address is probably NAT'D (meaning that the IP address being sent out is different than the actual IP address. Please don't try to scare people because you are totally wrong about everything you wrote (Eric). In addition, if you need some help here you go...in Windows command line try the command tracert www.debtconsolidationcare.com and in UNIX traceroute www.debtconsolidationcare.com and see how many IP addresses you get. Also every time it hits another IP address those are called hops which could be routers, firewalls, ISP providers and a whole lot of other things. I don't have time to teach you everything about networking but this will do... Stick with what you are good at....(harassing/threatening) Please let's keep this professional.

plop9723,

collection agencies are allowed to contact with the family members of a debtor only for verification purpose. They can contact your relatives or friends to check where are you residing now if they fail to locate you. They are not allowed to disclose your financial obligations to others, nor can they harass you.

Moreover, they are supposed to send you written documents to prove their claim. You can send them CMRRR asking for debt validation. Also include one paragraph in the letter requesting not to call you anymore and mention that you prefer to be contacted through mails.

As per as their rudeness is concerned, try to get the conversation recorded. You have to follow some points to do so. Go through the thread below. Once you have the proof that this CA is harassing you, don't be late to file your complaint with FTC, BBB and state Attorney General's Office.

http://forums.debtcc.com/forums/recordconvers.html

To the guest who has put his technical knowledge here two posts above me, Boy!! You framed it so well.

Eric, you not only need to work with debtconsolidationcare.com for detecting the IP, you also need to log in this site having some admin rights. You don't have any such rights.

I don't know if it's fun for you to scare the innocent people here. Do some job that gives dignity? You will have to answer God above..

Lets sya i have been paying only the interest on a payday loan if i stop paying it can they sue me for the amount of the total loan still even though the interest has payed back the loan and then some??

Guest,

They will definitely claim the amount and try different techniques to collect it. Try to settle it with the original lender before it's in the hands of the collectors. Offer them some payment plan or a lump sum amount that you can afford.

If they agree to settle, make an agreement of the transaction and get it signed. This will make your approach stronger.

Guest

If you keep paying towards the interest alone and nothing towards the principal amount, you will take much longer time to pay the full debt. Remember, if the amount of interest charged is higher than the amount you are paying, the balance in interest is always adding towards your principal amount along with the interests in the new month. This way, you will never be able to pay back the complete loan amount and you will keep losing money without an end.

Besides, since you have taken the loan from the lender, it is your responsibility to pay them back with the full amount. They are in charge of taking any sorts of actions if they realize that you are trying to escape it. It is better to talk to them straight and arrange a payment plan. If you negotiate with them with serious intentions to pay the debt, they might be willing to extend some benefits so that the repayment process becomes slightly easier for you.

Has anyone heard of a collection agency Alliance One?

Guest, check out for some more information on Alliance One at the thread below. They have some of the rude complaints against them. Check out for their offices posted at the thread below:

http://forums.debtcc.com/allianceone.html

First they are NOT a attorney firm, yes they purchase the debt paying maybe cents on the dollar, they have a young female attorney in house but unless you are in a state that lets garnishment they can not refer or tell you they are going to garnish you, second they do NOT reoord the calls if so they are violating the law, the law says you must state prior to every conversation ALL CALLS ARE SUBJECT TO MONITORING AND OR RECORDING, if you say I do not approve of recording they can not proceed with the call, they must call you on a line that is not recording, as for someone being a complience officer, every company has one, but that does not say they are hearing the calls they might at times but not sitting on the conversations. they are NOT lic in every state, yes they do outsource, but the manner they handle the collections violated the rights of the people they are calling, NO ONE debtor or not should be treated like you are treated. Half the people on the floor collecting are debtors, I can care less what they trace, TRUTH IS TRUTH, I can get ex managers /employees to back everything I just said. I am sure this is one of the managers at Riscuity now, they have a floor full of them

Edward Chen Duluth GA

Bob Idiot, or somthing like Cervelli Duluth, GA
Paul Ragsdale Roswell
Wendy Jones Kennesaw
James Hubbard Atlanta area
Wes Shaver this is the HR man I think
Atty is Bonnie Corales

I forgot to mention rumor has it Chen just fired his chief operating officer, a guy with 35 plus years experience in collections. The guy was in the process of cleaning up the place and getting rid of the trouble collectors. Chen did not agree with his philosophies so hence he is gone. Also rumored, this guy brought in his own management group who was helping with the clean out and they are ready to walk out. This is the third or fourth management group Chen has fired or replaced in Riscuity's 3 year existence. I guess it is still the "my way or the highway" mentality of Chen. Now Chen brought in some guy from NY who has been brow beating all the collectors and putting them under pressure to produce or they are going to be fired. This guy does not even work in the office, he calls in from NY. Wonder how long THIS guy will last or better yet how long this company last. Sorry bunch of characters.

I was made aware of the last posting regarding the firing of the company COO. This rumor or statement is totally untrue. The entire posting is full of lies. It seems that a few rogue ex-employees get enjoyment about defacing and spreading false statements and rumors about Riscuity. I am personally going to contact the webmaster and or owners of this message board and see what can be done to track down these posters once and for all and put a stop to all this nonsense. By the way. This is being posted by the COO. Anyone having issues can contact me directly. You you know how.

Whatever! If your company was conducting business as it should you wouldnt be on this forum reading these posts.

The question is "Why would an Executive of a company be reading debt forums?" To me this seems a little out of the norm. Also does freedom of speech ring a bell. The truth of the matter is, if it's true or not anyone can say what they want.....Just like debt collectors pressure who they want....instead of trying to threaten and scare people, try just cleaning up the company. I'm almost positive that contacting the webmaster won't do you a bit of good...Don't try to rub your ways on a company and or business that is conducting themselves in a professional manner....

I am an ex employee of Riscuity and not a collector. The person who tried to name the head honchos almost had it right. Edward Chen is the head, then Bob Cervalli he is the big a**hole in charge under Edward. Then you mentioned Wendy well you had her last name wrong. And I am not going to correct because she just works there and is not important. James Hubbard is Bob's lackey and does what ever he says. Wes Shaver is an idiot that walks the floor and spends most of his day outside smoking. The atty Bonnie is new and I don' believe she really knows what she has gotten herself into. Riscuity buys bad check portfolios. Their first job when they get a portfolio is to send all the checks back through the bank system to see what sticks. Just like s*&t to a fan. They do not send out notification that they are going to do this no matter what they say. I know they do not. I left this company because I was afraid of my name being associated with them. ANd that is the reason alot of people leave.

Why are you talking about a company you worked for? As well as the people you worked with. Have you ever thought it maybe you? Look at yourself before you start talking bad about someone else.May God Bless You All!
Rev.John D.Franklin

i used to be an employee at riscuity but was fired because i was in the hospital. i know the inside and outs of their collection practices.

hmmmm, me thinks this might be a good candidate for a class action, if we can actually depose some of the insiders

Why is REV. John D.Franklin taking up for the wrong party here? The truth is the truth right Rev? I mean if we had something good to say it would be through experience right? Do you work at Riscuity? You do don't you. Its ok just open your eyes and you will see that the Titles there don't mean much either.

Curious George

A creditor is breaking the law when they make false claims of having a debtor arrested. They are more at risk of arrest than you are for making false claims.

Yes Degrote did leave the company, He went to better places, knowing the problems this company was heading for and not wanting to be a part. Looks like the management team is changing again, yes a new person in NY is taking over, and HE IS said to be on THE LEVEL what he is doing is stopping all the law breakers, trying to help a disfunctional company, and making it a place your mother could work, Yes Mr Chen has had good people fired lets just use first names, Greg, Kevin, George, Cliff, Scott, Renea, Gary, Sonny, and I think there is several others, all very qualified people, people who wanted to change this company and make it legal, people who put their life into it to be slam dunked, their names tarnished with the trash they got replaced with, now the trash is out the door and new blood again. tune in 6months from now, new names, but same old company. The change must come from the top........