Bronson & Migliaccio LLP

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Cawley & Bergmann, LLP was formed in 1991 to engage in the practice of corporate law with offices in New York City. In 1998 the firm's direction changed when it was engaged in the field of asset recovery for a large purchaser of debt. The firm has grown with the industry and today is a leader in law firm asset recovery. We are members of the Association of Credit and Collection Professionals Association (ACA) and the Debt Buyers Association, both organizations dedicated to the compliant recovery of debt. Members of the firm are AV rated by Martindale-Hubbell, the highest rating obtainable, and the firm is a member in good standing with the Better Business Bureau in Buffalo, New York. We specialize in the recovery of charged off credit card debt purchased by our clients directly from the banks generating the credit cards. We utilize two methodologies of collections: pre-litigation and litigation. Pre-litigation collections is a collection effort made by our employees (collectors) under the direction of an attorney. This effort consists of letters and telephone calls. This area of practice is highly regulated both within our firm and by the Federal Fair Debt Collection Practices Act ("FDCPA"). Litigation efforts commence when a matter cannot be resolved by the collectors. At this point an attorney determines that an account is suitable for litigation and with the client's approval the legal process begins. Once a judgment is obtained we utilize post-judgment remedies such as garnishment, levying on property or bank accounts and liening real property. We strive for a voluntary settlement of debt at each step of the process and encourage consumers to talk with one of our collectors regarding these matters. 1. To be represented by an attorney. If you are represented by an attorney please immediately advises us of his name, telephone number and address. By law, once we are notified that you are represented by counsel, we can only communicate with your attorney. 2. To receive an initial communication letter providing you certain information, including, but not limited to, the amount of the debt, the name of the creditor, and to whom the debt is owed. If you have not received this letter please advise our collection representatives so they can make sure you receive the proper information. 3. You have the right to speak with a manager or compliance representative. 4. You have a right to speak with one of our attorneys. As a law firm we believe our attorneys should be available to the consumer if necessary. To talk to one of our attorneys please ask the receptionist or your collection representative. 5. You have the right to be treated professionally. Our collector representatives are trained to be professional at all times. This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose.