release 07/10/02 This new & "improve act" doesnt seem too consumer friendly... http://www.acainternational.org/images/Legislation/HR 2014 Sec-by-Sec 7-10-02.pdf
Ha! This is that group the lawyer for the collection agency I sued mentioned. Apparently they will back a collection agency in a lawsuit, including assisting with legal expenses and other legal support in defending the member CA. They do a lot of lobbying, but fortunately so far the law still protects the consumer. L