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    Frquently Asked Questions

    Our Office Location

    Edelman, Combs, Latturner, & Goodwin, LLC

    20 South Clark Street
    Suite 1500
    Chicago, IL 60603
    Phone: 312-739-4200
    Fax: 312-419-0379

    E-mail Us  |  Chicago Law Office

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    HBLC, CGR Services

    Friday, March 3rd, 2017

    Please contact us if you have been sued by debt buyers HBLC or CGR Services

    Salander Enterprises

    Monday, February 27th, 2017

    Please contact us if Salander Enterprises is attempting to collect money from you in Illinois.

    American Profit Recovery

    Monday, February 27th, 2017

    Please contact us if American Profit Recovery is attempting to collect money from you.

    Louisiana drug and dietary supplement maker ordered to cease operations due to federal violations

    Saturday, February 25th, 2017

    FDA News Release

    Louisiana drug and dietary supplement maker ordered to cease operations due to federal violations

    For Immediate Release

    February 21, 2017


    On Friday, U.S. District Judge Robert G. James for the U.S. District Court for the Western District of Louisiana entered a consent decree of permanent injunction against Pick and Pay Inc./Cili Minerals, a manufacturer and distributor of drugs and dietary supplements, and its owner, Anton S. Botha, requiring the business to immediately cease operations until it comes into compliance with federal laws.

    The complaint, filed by the U.S. Department of Justice, sought a permanent injunction against the company and its owners for unlawfully manufacturing and distributing unapproved new drugs, misbranded drugs, adulterated dietary supplements and misbranded dietary supplements.

    The company and its owner marketed their products online at, and They also sold their products through a retail location in Lafayette, Louisiana.

    “The FDA works with companies to ensure their processes comply with the public health requirements in our laws and regulations,” said Melinda Plaisier, FDA associate commissioner for regulatory affairs. “But when a company refuses to comply, we will take enforcement action.”

    The FDA inspected Pick and Pay Inc./Cili Minerals four times since 2012. During the inspections, the FDA found Pick and Pay Inc./Cili Minerals was manufacturing and distributing misbranded and unapproved new drugs as well as misbranded and adulterated dietary supplements. The defendants marketed their products with claims that they could treat medical conditions such as cancer, cardiovascular disease, multiple sclerosis, autism, bipolar disorder, brain injury and epilepsy. The FDA has not approved Pick and Pay Inc./Cili Minerals’ drugs for any use.

    During the inspection, FDA investigators also found numerous violations of the agency’s current Good Manufacturing Practice (cGMP) regulations for dietary supplements, including failing to establish specifications for dietary supplement components and failure to test or verify that components and finished products meet product specifications for identity, purity, strength or composition. Because the defendants failed to follow cGMP regulations, their dietary supplements are adulterated under the Federal Food, Drug, and Cosmetic Act.

    In May 2015, the FDA issued a Warning Letter to Pick and Pay Inc./Cili Minerals for similar violations.

    The consent decree prohibits the company and its owner from marketing and distributing misbranded or unapproved new drugs and adulterated or misbranded dietary supplements. Before the company and its owners can resume operations, they must, among other things, recall and destroy their existing stock of drugs and dietary supplements, hire labeling and good manufacturing practices experts, and receive written permission from the FDA to resume operations.

    Pick and Pay Inc./Cili Minerals is based in Lafayette, Louisiana.

    FBCS Services

    Friday, February 24th, 2017

    Please contact us if you have received a collection letter from Financial Business and Consumer Solutions, Inc., doing business as FBCS Services

    Threats of credit reporting

    Thursday, February 23rd, 2017

    Please contact us if you receive a collection letter referring to credit reporting.

    National Collegiate Student Loans

    Wednesday, February 22nd, 2017

    Please contact us if you have received a collection letter on a National Collegiate student loan.

    Student Loan Debt Collector Will Pay $700,000 for Unlawful Collection Calls in Settlement with FTC

    Tuesday, February 14th, 2017

    GC Services, a large debt collector charged with using unlawful tactics to collect on federal student loans and other debts, will pay a $700,000 civil penalty under a settlement with the Federal Trade Commission.

    Student loan debt is a large and growing segment of the U.S. debt collection industry, according to the FTC. More than 40 million consumers have outstanding loan debt, carrying an average balance of $29,000. GC Services is a third-party debt collector of defaulted federal student loans and other types of debt.

    The FTC’s complaint against GC Services Limited Partnership, filed on the FTC’s behalf by the Department of Justice, alleged that the company’s collectors left phone messages that illegally disclosed purported debts to others without their permission.

    GC Services employees also called consumers multiple times after being told that the person who answered did not owe the debt, that they had called the wrong person, or that the person they wanted could not be reached there. According to the FTC, GC Services also falsely claimed that it would take steps to prevent its employees from making unlawful calls to third parties to find a debtor.

    Under the stipulated order announced today, GC Services is prohibited from violating the Fair Debt Collection Practices Act and from making the alleged claims at issue in the complaint.

    The Commission vote to authorize the staff to refer the civil penalty complaint to the DOJ and to approve the proposed stipulated final order was 3-0. The DOJ filed the complaint and proposed order on behalf of the Commission in the U.S. District Court for the Southern District of Texas.

    NOTE: The Commission authorizes the filing of a complaint when it has “reason to believe” that the law has been or is being violated, and it appears to the Commission that a proceeding is in the public interest. Stipulated orders have the force of law when approved and signed by the District Court judge.

    Stratford Career Institute Agrees to Settle FTC Charges

    Saturday, February 4th, 2017

    Misled Consumers About High School ‘Diploma’ Course

    Stratford Career Institute has agreed to stop making allegedly deceptive claims about educational programs under a settlement with the Federal Trade Commission.

    The settlement resolves FTC charges brought in February 2016, alleging that the correspondence school misled consumers about its high school “diploma” program, which failed to meet the basic requirements set by most states. Consumer complaints and Stratford’s records showed that consumers who tried to use the company’s diplomas were often told by prospective employers and college admissions officers that the program was not equivalent to a traditional high school diploma.

    Under the stipulated order, Stratford is prohibited from making false claims about educational programs and, when marketing high school equivalency programs, it is required to disclose that some schools and employers may not recognize the diploma or equivalency credential.

    The order also requires Stratford to notify current students of their right to cancel enrollment in the high school diploma program, and to stop efforts to collect money from those who cancel.

    The settlement imposes a $6.5 million judgment that will be partially suspended when the company has paid $250,000. The full judgment will become due immediately if Stratford is found to have misrepresented its financial condition. For more information, consumers should visit

    The Commission vote approving the stipulated final order was 3-0. The U.S. District Court for the Northern District of Ohio entered the order on January 31, 2017.

    NOTE: Stipulated final orders have the force of law when approved and signed by the District Court judge.


    Wednesday, February 1st, 2017


    Preventable Failures Left Tens of Thousands of Economically Vulnerable Consumers Unable to Pay for Necessities

    WASHINGTON, D.C. — The Consumer Financial Protection Bureau today took action against Mastercard and UniRush for breakdowns that left tens of thousands of economically vulnerable RushCard users unable to access their own money to pay for basic necessities. In October 2015, a rash of preventable failures by Mastercard and UniRush meant that many customers could not use their RushCard to get their paychecks and other direct deposits, take out cash, make purchases, pay bills, or get accurate balance information. UniRush then failed to provide customer service to many consumers who reached out for help during the service breakdown. The CFPB has ordered Mastercard and UniRush to pay an estimated $10 million in restitution to tens of thousands of harmed customers. The CFPB also fined Mastercard and UniRush $3 million.

    “Mastercard and UniRush’s failures cut off tens of thousands of vulnerable consumers from their own money, and threw some into a personal financial crisis,” said CFPB Director Richard Cordray. “The companies must set things right for consumers and make sure such devastating service disruptions are not repeated.”

    UniRush LLC is a Delaware corporation headquartered near Cincinnati, Ohio. It is the program manager for RushCard, a reloadable prepaid debit card co-founded by entrepreneur Russell Simmons, and oversees operations such as the cardholder website. Mastercard International Inc. is a global financial services business incorporated in Delaware and headquartered in Purchase, N.Y. One of its units, Mastercard Payment Transaction Services, is the current payment processor for the RushCard.

    RushCard is advertised as a way for consumers to get direct deposits on their card “up to two days sooner.” These deposits include government benefits or payroll funds. In 2014, UniRush picked Mastercard as its new payment processor. Mastercard and UniRush spent 13 months preparing to switch to Mastercard’s processing platform, which ultimately took place Oct. 10-12, 2015. At the time of the switch, RushCard had about 650,000 active users, of which about 270,000 received direct deposits on their RushCard.

    Mastercard and UniRush’s actions before, during, and after the changeover harmed tens of thousands of consumers. The CFPB received about 830 consumer complaints from RushCard users in the weeks that followed the switch in payment processors. By comparison, the CFPB received 147 complaints about prepaid cards from November 2014 to January 2015. As a result of its preventable failures, the CFPB found that Mastercard or UniRush:

    • Denied consumers access to their own money: UniRush did not accurately transfer all accounts to Mastercard. As a result, thousands of consumers could not access funds stored on their cards for days, or in some circumstances, weeks. Because of Mastercard’s actions, accounts of about 1,110 consumers were incorrectly suspended. UniRush also delayed crediting cash deposits to consumers’ accounts and shut off access to certain funds that consumers put aside for savings. UniRush did not issue a working replacement card to consumers whose cards were lost or stolen during this period.
    • Botched the processing of deposits and payments: UniRush delayed processing direct deposits for more than 45,000 consumers, and did not process or improperly returned deposits of 2,000 others. As a result, consumers could not access their paychecks or government benefits. UniRush also erroneously double posted deposits and did not promptly process electronic debit transactions, which falsely inflated those RushCard holders’ account balances. As a result, thousands of consumers accidentally spent more money than was loaded on their RushCard. With no advance notice to consumers, UniRush used funds consumers subsequently loaded onto their RushCards to offset negative balances caused by its processing errors.
    • Gave consumers inaccurate account information: Mastercard did not make sure it was sending accurate information about consumers’ account balances to UniRush when it declined to authorize certain transactions. As a result, some consumers received incorrect information telling them their account balances were zero, when the consumers actually had funds stored on their cards.
    • Failed to provide customer service to consumers impacted by the breakdowns: UniRush did not have an adequate plan to step up its customer service response to meet the increased demand caused by service disruptions. Even after hiring additional personnel, UniRush failed to train customer service agents in time to meet the surge in demand. As a result, some consumers who called customer service waited on hold for hours and could not obtain critical information about the status of their funds and accounts.

    Enforcement Action
    Under the Dodd-Frank Wall Street Reform and Consumer Protection Act, the CFPB is authorized to take action against institutions engaged in unfair, deceptive, or abusive acts or practices, or that otherwise violate federal consumer financial laws. The lack of preparation and testing by Mastercard and UniRush, as well as multiple preventable failures, adversely impacted consumers, including by denying them access to their own money. Under the terms of the consent orders, Mastercard and UniRush must:

    • Pay an estimated $10 million in restitution to tens of thousands of harmed consumers: Mastercard and UniRush must pay an estimated $10 million in restitution to tens of thousands of customers who could not access their funds or who suffered other problems created or worsened by the failures and subsequent actions. Under the terms of the Bureau’s order, the amount each consumer will receive depends on the particular failure the consumer experienced. UniRush will send funds to affected consumers.
    • Draw up a plan to prevent future problems: Mastercard and UniRush must devise a plan to prevent future service disruptions. The CFPB will monitor the companies for compliance as they implement the plan.
    • Pay a $3 million civil penalty: Mastercard and UniRush must pay a civil money penalty of $3 million to the CFPB Civil Penalty Fund.

    The consent order against Mastercard and UniRush is available at: