I came across some information along the way just recently, and I've never seen it talked about here, but I think everyone would find it useful. The trouble is I'm not sure if I can post a URL for it, by the terms of this forum. But maybe I can get ya there... Do a search for Cach, LLC. You'll get a buch of links to look through. Rip Off Rep*rt$ is a good one to try. Also there is a .....wall of shame....hmmmm, the word guru comes to mind. You should info and lists of very bad CA's and their nasty tactics to beware of. If you should get a notice from one of these, or a call, they can scare you into a heart attack - they did it already to someone. Maybe this can help you deal with them if it happens to you.