Ever hit a dead-end when attempting to get in touch with someone with some actual power at a company? Perhaps, hypothetically speaking, you’re looking to get in touch with a company’s compliance officer or committee so as to inform them you intend to invoke the FTC’s Holder in Due Course rule to nullify your indebtedness…

Things used to be a lot simpler in America: if a company did you wrong, you sued them. You resolved your situation, and, more importantly, the company cleaned up their act – because everyone else saw it on the news. Unfortunately, that’s not really the case anymore. Today, virtually every contract you sign or agreement…