Due to the enermous, repetitive violations and complaints concerning their abusive debt collection practices, I do recoomend the experienced members of the board and those who have proof to start a class action suit against this abusive enterprise. www.classactionamerica.com. I am not sure how the suit can be started but those experienced members can checkout the site and keep others informed. Hope all will join in to bring this jungle enterprise called Gulf Sate collections to Justice among the many other names that they use.