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good afternoon to those of you on the east coast and good morning to those of you on the west coast my name is felix shipkovic and i'm delighted to kick off our 2022 webinar series um and today on february 16th we're kicking off with a very interesting subject matter one that i wanted to do for quite a long time but i wasn't able to do so until we had a criminal attorney with extensive background and criminal law during our practice and um a couple of months ago a colleague of mine melanie trigola joined our firm as a senior attorney and i'll let melanie introduce herself in a few minutes and we're delighted to have melanie assist us and and help us to discuss a very interesting subject matter the white collar crime issues in the debt relief space in that relief industry i want to say a big thank you to those of you who are continuing to be a followers of webinars and continue to educate yourself for those of you who are new thank you for joining and we hope you could receive more inf...