Because NCS submitted only a conclusory declaration stating that it maintained procedures, we hold that it failed to establish a bona fide error defense under the FDCPA.Public Citizen's Deepak Gupta represented Richard Reichert in this appellate victory for consumers in the 9th circuit states. [read post]

    The “hygiene hypothesis” is an accepted phenomenon that states children without (or with reduced) exposure to infectious agents (especially parasites) and other microorganisms are more susceptible to developing allergic disease.2. [read post]