FTC v. ICR Services (settlement)

I am jumping right into this blog….. I came across some information regarding a lawsuit that I want to share with you. I am not saying that the company is bad or good – right now.  However, I’ll most probably develop my opinion after I’ve more time to read more on the case – therefore, stay tuned. This lawsuit was filed by the FTC, Federal Trade Commission, a consumer protection agency, against a Credit Repair Organization, named ICR Services, Inc.   ICR was also known by the names National Credit Education and Review (NCER) and National Credit Repair (NCR). If you paid any monies, I think back then it was $400, to this organization and/or knows of someone who paid any monies to this entity, you should immediately contact the FTC at 1-888-287-5251 to determine whether or not you are entitled to a refund.  You may also go to the FTC’s website and become more familiar with the case at www.ftc.gov/opa/2003/08/nationwide.shtm.  The basis of this lawsuit was that the FTC alleged that ICR falsely claimed that they could remove derogatory information from your credit report, even if that information was correct.  ICR has agreed to a monetary settlement of over $1 million.  You should contact the FTC at the previously-mentioned number to see if you are eligible.  Make sure you share this information and/or direct others to Period, Case-Closed for future comments on this issue.  It’s wonderful seeing our government actually work at getting at these bad boys and girls in corporate America.  The victory, although small, I am appreciative.  Stay tuned for more updates.  Be sure to share your comments and forward the information to your circle of friends and family.  You may never know whom you may help by adding your “two-cents” – Period, Case-Closed!

Ch2: “Life Talks To You”

“Life talks to you!”

That is something that I would hear Aunt Francis say so many times throughout the years.  Aunt Francis is a mixture of the characters Florence Johnston and Sandra Clark from the sitcoms “the Jeffersons” and “227”.   Recall that Florence was the sassy maid on the Jeffersons and Sandra was the sassy neighbor on 227.  Aunt Francis was quick-tongued and had so many sayings that oftentimes made me think.  I remember, one summer, long ago, Aunt Francis, Uncle Mike, my mother and my stepfather took  all of their kids (maybe 12 or so altogether at that time) to Galveston to the beach.  It may have been our first trip to the beach, I don’t recall, but after playing with my siblings and my cousins after what seems to have been a moment when time stood still we were having such great fun – that Aunt Francis called for us to go into our tents and change into dry clothing so that we may eat. Well, she’d said that to me and the other kids about twice more and she said, in her proper tone that she was so known for “…go into your tents and get out of those wet clothes before you catch yourselves a chill”. Well, I, being the eldest, felt like my clothes would dry in time, and I really wanted to go back out to the water after we ate.  So, I didn’t change into dry clothing right then.   And I didn’t get back in the water that evening because I did indeed “…catch a chill”.  It was then that I changed into dry clothing.  And although I was in dry clothing and wrapped in a towel, I couldn’t seem to warm-up for nothing!   My teeth rattled uncontrollably like a bag of marbles.  Aunt Francis, simply smiled and said matter of factly, “…I told you to get out of those wet clothes….life is talking to you aint it?”  I just sat there near the fire, all 60 or 70 pounds of me, trembling.  It seemed as if I would never warm up.  I was oh, so cold.

Aunt Francis passed away two weeks ago. She was a matriarch.  And although I am still adjusting to her “transition”, she said something to me, as she has said numerous times over the past several years. I went to visit her on Halloween weekend, this past October as it was earlier in that week that I had received news about the cancer.  She said, “You have a calling on your life!”  She may have said it with the same pitch and tone as she’d done in the past.  However, isn’t it funny that we take so much for granted and just when we are convinced that life “as we know it” will always be “as we know it”, my Aunt Francis or yours purchase their tickets on that train?   Well, this time Aunt Francis I heard you loud and clear.  Yes, “…there is a calling on my life…” and “Life does talk to me”.   And I’ll forever hear you talking throughout the remainder of my life until it is my turn to purchase my ticket on that train.   Thanks for visiting Jada after the funeral.  See, I attempted to comfort many by saying  “…this is not the end”.  In other words  “…it is not good-bye…it is, see you later!” See,  “Life really does talk to you!Period, Case-closed!