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hi everyone im brian ponder brian a credit lawyer my practice is a trial practice based on a consumer law i deal with credit reporting violations debt collection violations UCC violations other FTC type violations affecting consumers and also foreclosure defense and tonight were going to talk about how to stay out of jail and legally operate a credit repair organization im aware a lot of you are likely credit repair organization owners so this should be a very very informative session for you all whoo all right were gonna break it down into ten parts Id like to do ten part things here and everyone is muted but anytime you have a question you can unmute yourself and jump right on the end we have a lot of information to cover so you probably dont want to hold your question till the end as soon as you have a question regarding something were covering you can just jump right on in unmute yourself and shoot away youre not gonna throw me off I have notes Im prepared to pick up at an