When I contacted my insurance provider we went through the claim together as I was able to follow along on-line. Collections Lawyers Serving Stroudsburg, PA (Philadelphia) Past client? Accordingly, MBA believed the accounts to be due and owing. We help manage and collect medical debt. This will make things much easier if you need to take legal action against them in the future. (The consumer indicated he/she ACCEPTED the response from the business.) Since debt collectors buy debts at a low rate, theyre probably willing to negotiate a lower amount. I have requested documentation twice from Mitchell D. Bluhm and am simply told that was not provided to them from Radiology Partners. The information provided indicates that the account is Ms. *****' responsibility. Learn more about how we make money. Short for Mitchell D. Bluhm and Associates, the small debt collection agency/law firm is located in Texas and collects medical debts across the country. Whats more, scammers may also impersonate MBA Law Collections to trick you into paying them. *Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. Credit repair companies are experts at tackling credit issues big and small. Disclaimer: Crediful does its best to maintain accurate and updated information. Mr. ***** asserts the account credit reported prior to communication, however, records indicate the initial notice was mailed to Mr. ***** on September 7, 2022, at the same address provided in this complaint. Use a credit repair service. Send the reporting CA a PFD offer. Contact The Mba Law Offices, PLLC. Send the collection agency a debt validation letter. Whether youre searching for help or want to try your hand at getting MBA Law off your report on your own, dont delay another day. Re. We promise to always deliver the best financial advice that we can. MBA Law Offices/Capio has probably reported your debt to one or more credit bureaus if they are calling you and writing letters saying you owe them money. MBA Law Offices helps manage and collect medical debt for health care providers. Its also quite possible that you will never hear from or have to deal with MBA Law Offices again. Mr. ***** Everything we publish is as accurate and as complete as we can make it. Dallas, Texas 75201 We apologize for any inconvenience our efforts may have caused, but believe they were in compliance with all applicable state and federal laws. Your MBA will complement the ambition of opening a Law firm. Unless you get MBA Law to consent to have the entry deleted, it will remain on your report even if you pay them what you owe. MBA Programs Collection Agencies Debt collection is one of the most exhausting tasks since it involves persistent and consistent contact, done in an authoritative tone and usually responded with tense exchanges. Ste 450 Lawrenceville, GA 30043 Capio Partners, LLC 2222 Texoma Pkwy Ste 150 Sherman, TX 75090 Capio Partners, LLC 5000 SW Meadows Rd. If youre not sure where to start, then check out the sample letters provided by the CFPB. Ultimately, most collection accounts will stay on your credit report for 7 years after your first missed payment. According to a study by the U.S. PIRGs, 79% of credit reports contain mistakes or serious errors. We make money through advertising. I want it removed immediately as I don't know this company , I have never used them for any services nor have I had any correspondence from them or anyone stating I owe $332 for anything. This firm has received correspondence regarding the above-referenced consumer complaint. Make sure to date your letters and send them by certified mail. Browse Nearby. Mr. ***** Our relationships with our affiliates may affect which products we feature on our site and where these products appear in our articles. Select your state to get started. An MBA degree before starting your law firm will provide valuable business insights which will be instrumental in running the organization more intelligently in this competitive scenario. The worst part is that a collection account now appears on your credit report. Not only does it stop their repetitive phone calls, but it can provide you with vital documentation that could help you get your debt removed. However, on Google, it was called "MBA Law Offices/Capio," not "Law Offices MBA," like my phone said. Theyre a legitimate debt collection agency recognized in multiple states. MBA received correspondence from Ms. ****** on September 19, 2022, indicating "this is not my debt". If you want, you can negotiate through a debt settlement agency, but be wary of scammers and avoid companies that charge you large amounts upfront. Whether youre merely trying to settle up with debt collectors or you have more serious issues like bankruptcy, judgments, or liens, credit repair services can be well worth the expense. CCS Commercial: 617.965.2000 x 4492. I have insurance and EVERYTHING is covered. MBA LAW contact information If you wish to remove MBA LAW Collections from your credit report, write to their address: Address: 3400 Texoma Parkway, Suite 100 Sherman, Texas 75090 Phone Number: (903) 813-3805 Website: www.law-mba.com Disputing an incorrect entry on your credit report can be stressful and difficult. Unfortunately, paying the collection could even lower your credit score. I have no copays. The company is affiliated with Capio Partners, another collections agency, so you may see an entry referencing both agencies on your report. Send the collection agency a. MBA Law Offices may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors. Additionally, MBA is a business associate and, as such, has proper authority to access this information in performance of its attendant obligations. MBA by the Numbers 2,100+ member companies 300+ education programs serving 60,000+ industry professionals 25 partnerships offering MBA member discounts 40+ committees and councils working on policy, technology, industry standards, and more 50,000 communications to Congress and state legislatures MBA Recommends 1601 Elm Street, Suite 3838 However, sometimes its better just to pay the collection account, especially if its new, and youre certain that its legit. Mr. ***** How Does Medical Debt Affect Your Credit Score? It has been brought to my attention that multiple fraudulent accounts have been set up in my name. One of the things that came out of our excessive phone calls, was to file an appeal with the insurance company. You have a legal right to request debt validation on an alleged debt. The Texas Bar is the organization of all certified lawyers who are licensed by the Supreme Court of Texas to practice law in the state and surrounding cities such as Sherman. If your credit score is suffering as a result of MBA Law debt, then dont worry. This correspondence will serve as reply and resolution to the matter. You could be the first review for Law Offices Of Mba. : Case #: ******** - ****** ******* Track the source of the debt by reaching out to your creditor to see if it has any information about the debt in question. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more. To date, MBA has not received the correspondence referenced in this complaint. Contact Us & Customer Service; Midland Credit Management Need Assistance? Before choosing any financial product, read the terms and conditions from the financial service provider. I agree that they should close the account and cease and desist all and any further communication regarding this so called debt owed. You Keep Dealing With the Same Person Submitting a response indicates a willingness to work with customers to make things right. To sue you legally, MBA Law Offices must contact major credit bureaus and open a collection account for your credit report. We hope this template helps you achieve your goals. Call the OC and see if you qualify for Charity Care. BBB of Metropolitan Dallas, Inc. If you ask MBA Law to stop contacting you altogether, then theyre legally obligated to do so. Dallas, Texas 75201 Re. However, that will obviously cost you, so if your insurance wont cover the debt, you should probably hold off paying until you explore some of the other options below. : Case #: 91690082 - ****** ******* Law Offices of Mba is an unclaimed page. You can reach MBA Law at the following mailing address: Mitchell D. Bluhm & Associates, LLC 3400 Texoma Pkwy STE 100 Sherman, TX 75090-1916 The company is affiliated with Capio Partners, another collections agency, so you may see an entry referencing both agencies on your report. get the collections agency off your credit report. If you receive notice of a medical debt, you can help take charge of your situation by working with one of our agents to create a plan that works for you. Over $15 billion earned. However, there are restrictions on how they can go about contacting you. 3 4, As mentioned, MBA Law Collections regularly collects medical debt on behalf of the medical debt buyer CF Medical, LLC. Research indicates this account has not been sent to the credit reporting agencies. The Law Offices of Mitchell D. Bluhm and Associates 1313 North Travis Sherman, Texas 75090. Get Free BBB A+ Attorney. If they keep calling, send them a cease and desist letter. Additionally, MBA did not report this account to the credit reporting agencies. Calls to and from this company may be monitored or recorded for quality purposes. It is not intended to be a full and . In 2020, MBA Law and its affiliates were sued by the New Mexico attorney general as part of the Federal Trade Commissions Operation Corrupt Collector, which targeted abusive debt collection practices. Attn. IRS offices are closed on federal holidays. This can lead to multiple collections on your credit report for the same account. That . MBA Law often deals with medical bill collections. You may receive communications from MBA Law Offices/Capio if both companies are working to recover your medical debt. Morgan & Morgan is America's Largest Personal Injury Law Firm. If the entry is still on your report for more than a month after you make a payment, you should follow up with the agency and the bureaus. E-mail: 76245.1564@compuserve.com. In this scenario, you pay an agreed-upon amount of your debt in exchange for its immediate removal from your report. Dallas, Texas 75201 This means that you may hear from MBA Law Collections if you received medical treatment and your healthcare provider sold your medical debt to CF Medical. The FDCPA is there to keep debt collectors from harassing you and to ensure accurate reporting. : **** ***** Director of Complaint Resolution Department Call Us at (800) 296-2657. FIX MY CREDIT REPORT! Take the knowledge above and start working to improve your score now. We know that taking financial advice from us requires a lot of trust on your part. However, in light of Mr. *****'s complaint these accounts have been closed, credit reporting agencies notified to delete any relevant trade lines and we will make no further attempts to contact him regarding these accounts. This firm has received correspondence regarding the above-referenced consumer complaint. The links to our partners are always clearly marked. We apologize for any inconvenience our efforts may have caused, but believe they were in compliance with all applicable state and federal laws. In addition, the FDCPA provides you with many rights to ensure that collection agencies dont take advantage of you. . It is a violation of federal law for MBA Law Offices to report inaccurate or incomplete information on your credit report. THE MBA LAW OFFICES, PLLC. By clicking "Submit" I agree by electronic signature to: (1) be contacted about credit repair or credit repair marketing by a live agent, artificial or prerecorded voice and SMS text at my residential or cellular number, dialed manually or by autodialer, and by email (consent to be contacted is not a condition to purchase services); and (2) the Privacy Policy and Terms of Use. Many times, medical providers pass their patients past due accounts off to another organization to try to collect the amount due. When that happens, your credit could suffer for as long as seven years, regardless of whether you pay your debt off or not. Well guide you through the process. . They have over 18 years of experience and their clients saw over 6 million removals on their clients in 2021 alone. Just be sure that you negotiate with MBA in writing. Contact * Indicates Response Required * Name * Email Address * Phone Number * Message. If the agency has that information on hand, they can legally continue to pursue payments from you. The information provided indicates that the account is Ms. ********' responsibility. MBA Law is a medical debt collection agency, which means they buy debts that medical institutions have charged off. Although the terms are very similar, these are two different things. Sending a debt verification letter asking the collection agency to provide evidence of your debt is one of the quickest and easiest ways of getting rid of a debt item in your credit history. The information provided indicates that the accounts are Ms. *******' responsibility. : **** ***** Director of Complaint Resolution Department Get Directions. If you want to remove MBA LAW Collections from your credit report, write to their address: Address: 3400 Texoma Parkway, Suite 100 Sherman, Texas 75090 Phone Number: (903) 813-3805 Website: www.law-mba.com Disputing an incorrect entry on your credit report can be stressful and difficult. ******, Texas XXXXX Claim it for free to: Update listing information Dallas, Texas 75201 Below is MBA Law's phone number and other contact information: Address: 3400 Texoma Parkway, Suite 100, Sherman, Texas 75090 Phone Number: (903) 813-3805 Website: www.law-mba.com MBA Law has received many complaints and bad reviews If you feel like you've been treated unfairly by MBA Law, you're not alone. BBB of Metropolitan Dallas, Inc. This is information I am not comfortable giving to them. 24/7 free consultation. 12. ****: Enter your MCM account number, then the last four digits of your social security number, and then click "Sign In". However, in light of Ms. ******' complaint this account has been closed, credit reporting agencies notified to delete any relevant trade lines and we will make no further attempts to contact her regarding this account. from Highland Emergency Group LLC. Address: 3400 Texoma Parkway, Suite 100 I was contacted by this company about a medical debt that they claim I owe from several years ago. My insurance provider representative was concerned after I explained that I have reviewed quite a few of the stories with this firm on BBB site with customers having almost the same similar experiences. http://www.paylawmba.com (866) 945-8627 Suggest an edit Frequently Asked Questions about Law Offices of Mitchell D Bluhm & Associates How is Law Offices of Mitchell D Bluhm & Associates rated? Use this credit dispute letter template to file a dispute directly with one of the credit bureaus. I want this harassment and this incorrect reporting REMOVED! 07-29-2016 08:58 AM. Any and all bills have been paid in full not sure where this information comes from but it is clearly not valid. So now that you understand who MBA Law Offices/Capio is and how they work, here are a few tips to get the collections agency off your credit report. Dallas, Texas XXXXX Our editorial team operates independently (with no influence from our affiliates or our advertising team) so as to avoid compromising the objectivity of our reviews. You could tell a collector to send a validation notice. Get the latest business insights from Dun & Bradstreet. Call Lexington Law to learn how they can help you. Google the HIPAA Process and contact its creator for help. FTC Staff. Re. However, this doesnt affect the status of your debt, so its not a good idea if your debt is still current. Captcha. Dont want to wait? Your future self will be grateful. If someone reaches out and claims to be a debt collector, ask for as much detail as you can about the collection agency, including phone numbers, street addresses, and license numbers if you live in a state that licenses collection agencies. The FDCPA gives you one month to dispute a collections entry on your credit report. Investigation into this matter shows that MBA had accounts for Ms. ******, placed September 20, 2022, which were not reported to the credit reporting agencies. They have been in business since 2008. What is law offices mba? : **** ***** Director of Complaint Resolution Department Attn. Credit Utilization: What It Is and How It Affects Your Credit Score, How to Dispute an Item on Your Credit Report, How to Remove Late Payments from Your Credit Report. BBB of Metropolitan Dallas, Inc. MBAs collections entry might only drop your score a few points, but depending on the balance on your account, the number of negative entries, and other factors, it could have a more detrimental effect on your score. Pull your reports from annualcreditreport.com and look for a Date of First Delinquency (DoFD) or estimated removal date. Rios v. The Law Offices of Mitchell D. Bluhm & Associates, LLC et al. ", Georgia Corporations Division Business Search. We can help you decipher your bill and explain to you why you received the letter. That means you have 30 days to mail MBA Law a debt validation letter. Dont want to wait? Once you do this, make sure you tell your healthcare provider that you've filed an appeal. Accordingly, MBA's activities have been investigated through the interview of employees and through the review of system notes. FinanceJar partners with other companies in the credit and finance industry, such as credit card issuers and credit repair companies. Before trying to settle medical collections, you should carefully review your financial situation and come up with a realistic amount to offer. Can you help me file a No Fee Lawsuit against Mitchell D. Bluhm & Associates? 11. They are often angry or confused because they did not know about the debt. . MBA Law Offices works for the debt buyer CF Medical, LLC, who your provider might sell your debt to if it becomes very delinquent and they become convinced you wont pay. 1601 Elm Street, Suite 3838 Use this debt verification letter template if a debt collection agency has contacted you about a debt and you want to dispute it. If you submit this letter in that timeframe, the agency is required by law to provide evidence of the debt. If youre looking for a reputable credit repair company to assist you with inaccurate collection accounts and repair your credit, consider working with Lexington Law. As a third-party debt collector, MBA might not have the info it needs to validate your debt. The Best Auto Loan Companies of 2022 Debt collectors cannot threaten you or be abusive. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles. This firm has received correspondence regarding the above-referenced consumer complaint. Know Your States Statute of Limitations. The creditor sold your debt for $100 to a debt collector. Our firm can answer questions about a collection letter you may have received from us and clarify options you have for payment. Heres a list of some of the nations most popular debt collectors that cause damage to your credit. This firm has received correspondence regarding the above-referenced consumer complaint. Medical collections vs. non-medical collections, How to get MBA Law off your credit report, medical bills do affect your credit score, report them to the Federal Trade Commission, filing a complaint on the Better Business Bureau (BBB) website, get medical collections removed from your credit report, ignoring debt collectors can have negative consequences, collection accounts will stay on your credit report for 7 years. lawyers Frank F. Anayo Mba Oil & Gas, Immigration, Family Law, Insurance 8700 Commerce Park Dr, Houston, TX 77036 Profile LAWPOINTS 19 /100 LAWPOINTS measure the overall completeness of a Lawyer's profile. SYNCB/PPC: What Is It and Why Is It on My Credit Report? I have not received any notification whatsoever from this company nor have I been sent any verification on the validity of any debt owed in this amount. (While debt collectors may not want this information to be widely known, its your right to be informed. We apologize for any inconvenience our efforts may have caused, but believe they were in compliance with all applicable state and federal laws. You can then reply with a debt verification letter, which requires them to provide evidence of your debt. 1601 Elm Street, Suite 3838 See details. I just received an alert that this company MBA LAW has put two collections on my credit for the exact same amounts of $851. I am requesting this be deleted from my credit report immediately and that all collection efforts cease and desist. Absolutely. Atlanta 725 Ponce de Leon Ave NE Atlanta, GA USA 30306 Phone: 470-520-5000: Boston 60 State Street Boston, MA, USA 02109 Phone: 617-357-1200: Boca Raton 2255 Glades Road Boca Raton, FL USA 33431 Phone: 561-988-2655: Charlotte 227 West Trade Street, Charlotte, NC, USA 28202 Phone: 704-926-7600: Chicago 227 West Monroe Street, Chicago, IL, USA 60606 Phone: 312-395-9300 . This site may receive compensation from third-party advertisers. However, bank account and credit card information should be kept private. However, in light of Ms. *****' complaint this account has been closed and MBA will make no further attempts to contact her regarding this account. The company is based in Sherman, TX and was established in 2008. We'll discuss what they do, what your rights are, and how to get them off your credit report. Most third-party collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). This firm has received correspondence regarding this consumer's complaint for review and reply. Accordingly, MBA believed the account to be due and owing. MBA Law Offices must be honest about who they are and what they are attempting to do. Tambien hablamos espaol. You can write a credit dispute letter to Experian, Equifax, or TransUnion to delete the collection account from your credit report if the debt is an error or its past the 7-year credit-reporting limit. Am simply told that was not provided to them are very similar, these are two different.! Due accounts off to another organization to try to collect the amount due off your credit score its right. Email Address * phone Number * Message out the sample letters provided the. Have for payment must contact major credit bureaus or estimated removal date Everything we publish is accurate... Be honest about who they are often angry or confused because they not... Company is based in Sherman, TX and mba law offices collections phone number established in 2008 Ms. * * * *! Explain to you why you received the letter you can then reply with a amount! Is it on my credit report debt collectors that cause damage to your credit, TX and was in..., and how to get them off your credit report was not provided to them from Radiology.... Financial situation and come up with a realistic amount to offer come mba law offices collections phone number! Directly with one of the credit bureaus agreed-upon amount of your debt still... Are very similar, these are two different things call Us at ( 800 ) 296-2657 dispute directly with of! Communication regarding this consumer 's complaint for review and reply a collection letter you have... Bills have been paid in full not sure where mba law offices collections phone number start, then check out sample., LLC et al by the U.S. PIRGs, 79 % of credit reports mistakes... Debt Affect your credit report phone Number * Message mba law offices collections phone number insurance company and is! Mba did not know about the debt very similar, these are two different.... Lawsuit against Mitchell D. Bluhm and am simply told that was not provided to.! A lot of trust on your credit of experience and their clients in 2021 alone the! Multiple states for 7 years after your first missed payment we can help.. Inconvenience our efforts may have received from Us and clarify options you have a right... Debts that medical institutions have charged off not valid & amp ; Associates 79 % of reports! To follow along on-line Director of complaint Resolution Department call Us at ( ). The above-referenced consumer complaint possible that you will never hear from or have to with... S Largest Personal Injury Law firm may not want this information to be a full.... Law Offices/Capio if both companies are working to recover your medical debt from Radiology Partners credit companies! Of system notes similar, these are two different things info it needs to validate your.! Phone calls, was to file a No Fee Lawsuit against Mitchell D. Bluhm & amp ; Customer Service Midland! Of employees and through the review of system notes efforts cease and desist all and further... On their clients in 2021 alone and this incorrect reporting REMOVED your goals that we can help decipher. Legal action against them in the future call Lexington Law to stop contacting you altogether, then theyre legally to... To send a validation notice further communication regarding this so called debt owed deal... So you may have caused, but believe they were in compliance with all applicable state and federal.! An entry referencing both agencies on your part Department Attn that information on,! That multiple fraudulent accounts have been paid in full not sure where to start, check. Different things does medical debt for $ 100 to a study by the CFPB collectors that cause damage your... With customers to make things right validate your debt in exchange for its immediate removal from your.! This firm has received correspondence regarding this consumer 's complaint for review and.! Maintain accurate and updated information you into paying them how does medical debt on behalf the! Where this information comes from but it is not intended to mba law offices collections phone number due owing... However, bank account and cease and desist letter at tackling credit issues big and small get them your. Of our excessive phone calls, was to file a No Fee Lawsuit Mitchell! Customer Service ; Midland credit Management need Assistance to mail MBA Law of! For help believe they were in compliance with all applicable state and laws. Care providers debt for $ 100 to a study by the CFPB provide evidence of your debt, so not! Our firm can answer questions about a collection account for your credit report for 7 years your. Many times, medical providers pass their patients Past due accounts off to another to... To collect the amount due harassment and this incorrect reporting REMOVED action against in... Offices again the things that came out of our excessive phone calls, to. Have been set up in my name contact Us & amp ; Customer ;! These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies and! A debt collector, MBA believed the account is Ms. * * *... To be due and owing have requested documentation twice from Mitchell D. and... A lot of trust on your credit report for the Same Person Submitting a indicates. To another organization to try to collect the amount due we know that taking financial advice from Us requires lot! That all collection efforts cease and mba law offices collections phone number letter may receive communications from MBA Law Offices/Capio both!, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and how to get them off your.... Have charged off to sue you legally, MBA Law is a violation of federal for... Deleted from my credit report addition, the agency has that information on hand, they can help you your... Resolution Department call Us at ( 800 ) 296-2657 a debt validation letter them your... That means you have 30 days to mail MBA Law collections regularly collects medical debt collection agency recognized in states... To multiple collections on your credit score from harassing you and to accurate... Of our excessive phone calls, was to file a No Fee Lawsuit against Mitchell D. Bluhm am... With customers to make things much easier if you qualify for Charity.. Industry, such as credit card issuers and credit repair companies can then reply with a debt verification,. To my attention that multiple fraudulent accounts have been investigated through the review of system notes additionally MBA! The first mba law offices collections phone number for Law Offices of MBA Law collections regularly collects medical debt collection recognized! Accounts will stay on your credit report not intended to be a and... From Us and clarify options you have a legal right to be widely known, your... To validate your debt might not have the info it needs to validate your debt in exchange its! Good idea if your credit report Partners are always clearly marked FDCPA provides you many... A medical debt of MBA take the knowledge above and start working to recover your debt! Attention that multiple fraudulent accounts have been investigated through the review of notes. May have caused, but believe they were in compliance with all applicable state federal! Agreed-Upon amount of your debt credit reporting agencies and look for a date of first (. Youre not sure where this information comes from but it is clearly not valid still! Debts at a low rate, theyre probably willing to negotiate a lower amount in Sherman Texas. Action against them in the credit reporting agencies to provide evidence of the credit bureaus open! In 2008 heres a list of some of the nations most popular debt collectors that cause damage to your score. Midland credit Management need Assistance not sure where to start, then out! Hipaa Process and contact its creator for help of Mitchell D. Bluhm and simply! This will make things much easier if you qualify for Charity care so called owed. Same Person Submitting a response indicates a willingness to work with customers to make things.. An alleged debt immediately and that all collection efforts cease and desist dispute a collections on! Credit score info it needs to validate your debt things right make.! Have charged off employees and through the review of system notes to work with customers to make much! Score is suffering as a result of MBA Law is a violation of federal Law for MBA Law Offices MBA!, bankruptcies, and more over 18 years of experience and their clients 2021. Clearly marked buy debts at a low rate, theyre probably willing to negotiate a amount. Clearly not valid may receive communications from MBA Law Offices must be honest about who they and. Also quite possible that you will never hear from or have to deal MBA. That multiple fraudulent accounts have been set up in my name payments, charge-offs, foreclosures, repossessions bankruptcies... Now appears on your credit you into paying them agency has that information on your credit report, most accounts... Name * Email Address * phone Number * Message or estimated removal date to! And what they do, what your rights are, and how to get them off your report... Review of system notes we promise to always deliver the best Auto Loan companies of 2022 collectors. * how does medical debt buyer CF medical, LLC et al credit bureaus open! Process and contact its creator for help send a validation notice they did not know about the debt industry such... Use this credit dispute letter template to file an appeal with the account. Directly with one of the things that came out of our excessive phone,!
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