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FAIR DEBT COLLECTION PRACTICES ACT: Pursuant to the Fair Debt Collection Practices Act, you are advised that this office is deemed a debt collector and any information obtained may be used for that purpose. However, if you are in bankruptcy or received a bankruptcy discharge of the debt, this communication is not an attempt to collect the debt against you personally, but is notice of a possible enforcement of the lien against the collateral property. We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.