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everyone this is Eric from helps YouTube live um can you hope you can hear me okay ah good okay so Im glad to be here its Thursday um and uh what April 27th Sunny where Im at hope its sunny where youre at and got a lot of things to talk about today um and Ill start out Ive got some questions if you have questions you can put them in the chat feature my name is Eric Olson I am an attorney 44 years executive director of helps helps is a national non-profit Law Firm and help stands for help eliminate legal problems for seniors what we do is our our mission or is to number one protect seniors from debt collector harassment we do that under a federal law provides when youre represented by an attorney collectors can no longer call or send you demand letters in the mail anymore and when people enroll in helps they give us the people the creditors they dont want to pay anymore we send a cease and desist letter and the communication dries up they cant call you or send you demand lens