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perhaps I will become your attorney
 
Hours * Availability * Trade Area  
GUSTAFSON LAW OFFICE

 
E-MAIL    ATTORNEY
Hourly Fees and Travel Rates
Driving Directions * Office Maps
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ROBERT D. GUSTAFSON
ATTORNEY AT LAW
6538 Charter Drive
Colorado Springs, CO 80918-1335
Phone (719) 260-1002
Fax (719) 260-1003  **  Toll Free (800) 410-1002
CONTACTING COUNSEL AND PRIVACY STATEMENT
COLORADO SPRINGS ATTORNEY - DEBT COLLECTION
Colorado Springs Attorney - Trial Practice 25+ Years Colorado State Courts
Adobe Acrobat Reader version 5 or later is required to view .pdf files    Free Download
NOTICE:  Due to current workload, attorney is not accepting new debt collection cases at this time.  "NO VACANCY"


ALTERNATIVES

attorney is exercising caseload management
this is a temporary cessation of new business acceptance
please feel free to check back in the near future
attorney usually welcomes new representation inquiries


FIND A LAWYER

during the interim, information contained in this website remains available at no cost to site visitors

existing clients are always welcome to call or email

new prospective clients may wish to call
Attorney Dave Kelly - Phone (719) 577- 4466
uncompensated courtesy referral - no affiliation or business relationship

ATTORNEY CONTACT AND COMMUNICATIONS

WEBSITE INDEX GATEWAY  *  COLORADO QUICK INDEX
HOW TO RETAIN COUNSEL CORDLESS, WIRELESS AND CELL PHONE CONCERNS
E-MAIL CONCERNS PRIVACY STATEMENT DOCUMENTS AND TRANSMITTAL
RETAINING GUSTAFSON
Debt Collection Atty - Client Documents
LEGAL RESEARCH ACCOUNTING POLICIES
ATTY - CLIENT DOCS ALTERNATIVES FIND A LAWYER
NOTICE & DISCLAIMER ADVICE BY LAYMEN
ATTORNEY POLICIES
 Cases Outside Colorado Springs - Travel
No Pro Bono Assistance  *  No Installment Payment
 Legal Advice Limited to Clients - Not General Public
Representation Now - Another Attorney or Self
Attorney Representation & Declined Matters

Post Judgment - Enforcement or Appeal
PRIVATE ATTORNEY
NOT
A COLLECTION AGENCY

I will represent creditors only collecting accounts receivable or debt

  if you are a consumer or debtor defending against a creditor claim
please do not email or call seeking advice or representation
you may click the stop sign to find
a lawyer anywhere
 

Adobe Acrobat Reader version 5 or later is required to view .pdf files    Free Download

ATTORNEY CONTACT AND COMMUNICATIONS

        I offer one free visit on every case. There is no obligation of any nature, and you will not be billed for the first visit. The purpose of a first consultation is to identify your legal problems, discuss possible remedies or action which may be available, and discuss attorney's fees and costs. After gaining an understanding of your case, I will quote fees and anticipated costs. I generally decline further discussion of the case after the first visit unless retained. As I maintain a small practice and manage my caseload, I reserve the right to decline any first consultation or to decline representation in any case.

        If you feel the need to contact a trial attorney quickly, please pick up your telephone.  I've made that easy with the addition of a toll free phone number which is available throughout the entire United States and Canada.  You will reach either myself or voicemail - I have no secretarial screen.  When you call please bear in mind I may or may not have time to visit at that instant if you've not made a previous appointment.  If you reach my voicemail, please leave your name, date and time called, return phone number(s) and a brief message regarding the purpose of your call.  I periodically retrieve messages while away from the office and ask that you leave a number as I may not have access to your file at the time.  I don't memorize client phone numbers.  In criminal cases, I will only permit a client to discuss case facts while we are each on a land line - not cell or wireless.  Confidential or time sensitive matters or information should be limited to direct phone conversation with counsel. 

        I am most willing to visit with prospective clients regarding representation, by phone or in-person appointment without cost or obligation.  However, I will not provide information, legal opinions or legal advice in response to questions submitted from non-clients - email, fax or phone.  Please refer to the terms of first consultation.

        If a prospective client leaves an email message or contact phone, I will attempt to call once at each number provided, however once only.  Unless otherwise designated, if you are not available I would leave my name, number and date called on your answering machine or voicemail.  I do not identify myself as an attorney.  Whether you have an answering service or not, I only attempt one call regardless of importance you assign to the matter.  I will respond to your contact, however I accept no responsibility to make multiple return calls attempting to reach non-clients who are unavailable.  You are most welcome and encouraged to call again.

        If leaving a message by email or voicemail, you may wish to consider some of the following 
                Full name
                Primary and secondary contact phones
                        including best number and best time to call
                        whether you prefer I not leave a message
                Email address
                Brief explanation of legal problem
                Court case number and county in which litigation is pending
                Date of birth and social security number
                Driver's license number and state of issuance
        Naturally the amount of information you provide is totally in your discretion.  The more information you leave, the better prepared I can be when I return your call.  Conversely, please don't fill my voicemail.

        In addition to your legal problem, openly discuss fees and costs with the attorney in the first visit. When retained I provide a written fee agreement to avoid misunderstandings.  Timeslips computer accounting produces billings which are easy to read & understand. I accept charge cards - MasterCard, VISA, American Express and Discover Card.  Fee and trust deposit quotes will be honored for a period of seven (7) days from the day of the quote.  After that time, fees or requested trust deposit are subject to change without notice if you have not retained this office.

        I have located my office in my home. I find it comfortable, plus it permits me to manage my caseload and provide personal attention to each client and case.  Being a single parent, it also provides an environment for my daughter as close as I can achieve to a stay at home parent.  My home office is physically located near North Union and Dublin.  A map is included in this website. Access is easy from I-25 via Woodmen or from North Academy Blvd via Union; map and driving directions links are included throughout this website.. I schedule about 30 minutes for a first consultation to answer your questions and provide a fee quote; this can be done by phone.  Children should never be in a position to hear or listen to your legal matters, particularly in the areas of my practice.

DOCUMENTS AND TRANSMITTAL

        Regarding documents, clients may mail, email, fax or bring to my office.  A secure document drop is accessible.  No one else has access. The drop slot is confidential and available to clients at any time day or night.  Dropping a check is acceptable as the canceled check provides an audit trail, however NO CASH may be dropped.  A receipt or printed billing statement must be issued for cash payment.  Due to lack of audit trail, I accept no responsibility for cash placed in the document drop slot.

        Except for potential evidentiary exhibits retained in hard copy, my files are maintained electronically by image scans. I argue court cases from a notebook computer as it is efficient.  To assure confidentiality, documents are mailed to the client or shredded subsequent to scanning.   I ask that clients retain copies of documents.  Each client is provided with a file folder for documents.  A fee would be assessed to later retrieve and print images of a client's file.  If requested, a data CD of all images in my electronic file my can be provided when I close file.

CORDLESS, WIRELESS & CELL PHONE CONCERNS

        Technology today is marvelous, however I can not warrant the privacy of conversations involving cordless, wireless or cell phones.  If the matter to be discussed is sensitive, I ask that we touch base from land lines or perhaps an office visit may be in order.

****************************** ****************************** ******************************

        Although this page is lengthy, my goal is to have satisfied clients at the conclusion of representation.  I have found that clarifying expectations regarding contact or communication procedures avoids misunderstanding or frustration.

PRIVACY STATEMENT

        All inquiries will be kept confidential and will not be disclosed to any third person absent consent of the client or prospective client.  However I accept no responsibility for disclosure through unauthorized interception during email transit, access by other persons sharing your email account password or interception of conversations involving cordless, wireless or cell phone technology.

        You have visited my website anonymously.  The site is not encrypted or otherwise secure, however no client information is retained in the website.  This site does not surreptitiously glean information - it does not use "cookies" or otherwise gather personally identifiable information except that which a visitor knowingly provides by email or phone call.  I'm an attorney - not a techie or a telemarketer.  For future reference in communications with you, I print emails to scan or make brief notations in a phone log regarding conversations.  These are not shared with any other person or business absent express consent of the client or prospective client.

        To keep client documents confidential I utilize protections including burglar / fire alarm, computer virus detection, firewall, spyware filter, web bug filter, and email filters.

        Not being a webmaster nor having time for frequent maintenance, I'd sincerely appreciate if you notify me by email of any broken links, or links which no longer lead to the intended site on the world wide web.

E-MAIL CONCERNS

     CONFIDENTIALITY
        I usually check email multiple times daily - it will likely get my attention as fast as voicemail.  Email is not encrypted and may be subject to interception while in transit.  If you are not a client at present, by using email you may not be covered by the attorney-client communication privilege.  Attorney assigns a password to each client and sensitive documents are sent as email attachments in .pdf format (Adobe Acrobat Reader) with open file password protection.  The attorney can not and will not warrant or guarantee confidentiality in the internet medium.  Confidential or time sensitive maters or information should limited to direct phone conversation with counsel.

     VIRUS, TROJAN or WORM
        All incoming and outgoing email + attachments are automatically scanned by Norton AntiVirus and a spyware sweeper.  I open attachments received from clients or opposing counsel in a particular litigation case.  For clients or counsel, I can open or convert most word processing, image or spreadsheet files.  If you are not a client, please do not attach any files or documents to an email you may send me.  Due to the potential for virus, trojan or worm transmission, any email attachment received from a person I don't know is deleted without opening. 

Thank you for considering my services.

SEND EMAIL TO ATTORNEY
Robert D. Gustafson  *  Attorney at Law  *  Colorado Springs, Colorado
DEBT COLLECTION
COLORADO SPRINGS
Attorney Business Hours  *  Attorney Availability Status
below form generates a normal email - unsecure transmission
confidential or time sensitive matters or information should be limited to direct phone conversation with counsel

email form restrictions - characters \ | / @ are not permitted

 

NOTICE:  Due to current workload, attorney is not accepting new debt collection cases at this time.  "NO VACANCY"


ALTERNATIVES

attorney is exercising caseload management
this is a temporary cessation of new business acceptance
please feel free to check back in the near future
attorney usually welcomes new representation inquiries


FIND A LAWYER

during the interim, information contained in this website remains available at no cost to site visitors

existing clients are always welcome to call or email

new prospective clients may wish to call
Attorney Dave Kelly - Phone (719) 577-4466
uncompensated courtesy referral - no affiliation or business relationship

 

RED COLOR CODING
information required
attorney will not respond if information not provided

MANDATORY FIELDS
VS.
OPTIONAL FIELDS

NAVY BLUE COLOR CODING
information optional - may assist attorney
in response to your inquiry

 
CONTACT PERSON
please include middle name and suffix: i.e. Jr. or III
 
CONTACT PERSON NAME

CONTACT PERSON JOB TITLE - CAPACITY
e.g. collection manager, bookkeeper, owner
CONTACT PERSON EMAIL ADDRESS
character @ is permitted in this form field
I will respond to your inquiry by email or phone
 
 
PERSON OR BUSINESS INQUIRING
if applicable, please include complete and accurate business name
STATUS
Person inquiring is debtor or agent of debtor
please stop here - I do not represent debtors
lawyer referrals Find A Lawyer
El Paso County Bar Association Alternatives

I will represent creditors only
collecting accounts receivable or debt

  if you are a consumer or debtor defending against a creditor claim
please do not email or call seeking advice or representation
you may click the stop sign to find
a lawyer anywhere
STATUS
Licensed Attorney   Private Investigator   Licensed Collection Agency
Creditor - Business   Creditor - Individual   Private Person
please proceed
BUSINESS NAME
 
e.g.  ABC, Inc., a Colorado Corporation
BUSINESS STATUS
Corporation    Partnership
LLC    Proprietorship
BUSINESS dba NAME
e.g.  dba Joe's Joint
BUSINESS dba STATUS
No dba Name    Corporation 
Partnership    LLC    Proprietorship
 

PRIMARY PHONE

AREA CODE     PHONE  Home   Work   Cell   Other
Leave message if you are out:  Yes   No Best time to call:  morning  afternoon
SECONDARY PHONE
AREA CODE     PHONE  Home   Work   Cell   Other
Leave message if you are out:  Yes   No Best time to call:  morning  afternoon
 
PURPOSE OF INQUIRY
This inquiry is for myself This inquiry is for a third person
Looking to Retain an Attorney - Welcome Seeking Information Only - Stop Feedback Only - No Reply From Attorney

Colorado Springs

FIRST CONSULTATION - NOTICE

El Paso County

Attorney welcomes representation inquiries however the purpose is not to provide free legal advice to the general public.  Unless seeking to retain counsel, please do not email or call.  Attorney does not provide legal opinions, answers or information in response to questions submitted from non-clients, & attorney is not the phone company 411 center for phone number information.  Given the scope of internet accessibility, I can not be the free "Colorado answer man" and will politely decline such requests.

 Debt collection cases occur across Colorado - please refer to attorney travel. Travel Policies & Trade Area *  Itemized Travel Expenses *  Colorado Map
common fees have been quoted and information provided
attorney is prepared to provide legal representation
attorney comparison is understandable, but before calling
please be prepared to retain if I am counsel of your choice
 
DEBT COLLECTION LITIGATION STATUS
COURT CASE STATUS
Past - Not Pending at Present    Currently Pending    Planned    Possibility
 
COURT CASE NUMBER
City or County and State
LITIGATION LOCATION
 
NATURE OF DEBT TO BE COLLECTED

Landlord Rent Collection   Promissory Note   Written Contract Debt   Other Lawful Debt

brief explanation - nature of debt - comments which may aid attorney's understanding - not required

email form restrictions    no minimum characters    maximum 2,000 characters    \ | / @ are not permitted

 

 
DEBTOR INFORMATION
 
DEBTOR FULL LEGAL NAME
including middle name and suffix: i.e. Jr. or III
DEBTOR FULL ALIAS NAME
UNDER WHICH RECORDS MAY BE FOUND

including middle name and suffix: i.e. Jr. or III
 
 
DEBTOR'S BUSINESS KNOWN NAME OF RECORD
n/a  *  unknown
DEBTOR'S BUSINESS KNOWN TRADE NAME
dba FICTITIOUS NAME

n/a  *  unknown
 
DEBTOR'S LAST KNOWN EMAIL ADDRESS
character @ is permitted in this form field
 
DEBTOR'S LAST KNOWN
STREET ADDRESS

DEBTOR'S LAST KNOWN
CITY, STATE & ZIP

 

DEBTOR'S PERSONAL INFORMATION
if representation is provided, full name and date of birth or Colorado driver's license number 
is required to access Colorado DMV database records in the event skip trace becomes necessary

DATE OF BIRTH
GENDER
Male    Female
DRIVER'S LICENSE
LICENSE STATE
RACE OR ETHNICITY
information for purpose of potential skip trace

Caucasian
Native American
Asian

Hispanic
Black
Other

 
 

DEBTOR'S LAST KNOWN PHONES
please include area code

HOME
BUSINESS
FAX
CELL
 

DEBTOR'S KNOWN OR SUSPECTED LITIGATION
Details unknown  *  please provide any known information

COURT CASE NUMBER
YEAR
CITY OR COUNTY & STATE
LITIGATION OTHER PARTIES NAMES
 
TYPE OF CASE
  Criminal Traffic Domestic and Family
  Civil Probate Juvenile Records Unavailable
 
COMMUNICATION TO ATTORNEY
Please provide sufficient information that I understand your inquiry

email form restrictions    minimum 20 characters    maximum 2,000 characters    \ | / @ are not permitted

transmission of a social security number via non-encrypted email is prohibited by Colorado law
please do not include any social security number in this communication

 

 I appreciate your inquiry or interest.
this form will transmit by email only those responses which you have provided

I'M INTERESTED IN RETAINING COUNSEL
HOW DO WE ACCOMPLISH THIS?

 
 

        I frequently visit with prospective clients by phone. If then ready to hire counsel, generally within 20-30 minutes of our conversation & receipt of a retainer data information form by fax, US Mail, Fed-X or hand delivery, the following documents can be electronically provided for the prospective client’s review.  Because charge card account or other sensitive information may be included, I have provided a .pdf file rather than an email form for retainer data.

CRIMINAL - DUI - TRAFFIC FAMILY LAW DEBT COLLECTION GENERIC DOCUMENTS
  1. Retainer agreement
            hardcopy can be provided in person or .pdf file can be sent via email

  2. Waiver & authorization to release criminal, driving, medical, financial, employment or other confidential records
            hardcopy can be provided in person or .pdf file can be sent via email

  3. Permission for release of Colorado DMV records
            hardcopy can be provided in person or .pdf file can be sent via email

  4. Written information packet regarding facts relevant to the litigation - available on website - password required
        The information packet educates me regarding the facts of your case - this enables quality representation.
        If you are using a 56K modem, patience may be required.  Some documents are lengthy
        Number of pages and KB size are indicated at each document link.  
        Access password will be included with retainer agreement email.

  5. Retaining counsel can begin with a simple email to the attorney.

This allows

  1. Rapid attorney response.

  2. Time for the prospective client to consider the terms of the fee agreement in the privacy of his or her own home or office without pressures of time or my presence.
            In 25+ years of practice I’ve never had a client decline terms of a written fee agreement.
            The prospective client has no obligation at this point, and that’s a comfortable feeling.

  3. Our first physical meeting will consist of document execution, receipt of trust deposit, interview regarding relevant facts. This permits rapid commencement of representation or litigation after counsel has been retained - there is no delay gathering facts.

  4. Completed documents may be returned to counsel by personal delivery, fax, mail or Fed-X.

  5. With fax of executed documents & subsequent mailing, if the retainer trust deposit is paid by MasterCard, VISA, Discover Card or American Express, or by deposit to my account in a national bank, retaining counsel can be accomplished in real time by out of town, out of state or other clients.  Fed-X is not necessary.  This ease of business made possible by electronic transmission is essentially on-demand or instant gratification.

Adobe Acrobat Reader version 5 or later is required to view .pdf files  Free Download

ATTORNEY REPRESENTATION
AND DECLINED MATTERS

 
DEBT COLLECTION ATTORNEY'S FEES & COSTS
CRIMINAL DEFENSE DUI DEFENSE & TRAFFIC DEFENSE DRIVER LICENSE DEFENSE
FAMILY LAW & DIVORCE DEBT COLLECTION COMMUNITY RESOURCES
FIRST CONSULTATION ACCOUNTING STRUCTURE WEBSITE INDEX GATEWAY
ATTORNEY SELECTION RETAINING GUSTAFSON ADVICE BY LAYMEN
 

ALTERNATIVES

FIND A LAWYER

if you are seeking the below
please refer to above links for helpful information
sole practitioner attorney does not accept these matters
 

a.  a pro-bono (free) lawyer
b.  an attorney who may take lower fees - economic hardship
c.  an attorney who may take installment payments

 

MID-LITIGATION REPRESENTATION
alternatives and find a lawyer links provided as a courtesy

Attorney Policies
Litigant Pro Se - Attempt to Prepare or Defend Own Collection Lawsuit

1.  Adequate Time.  If sufficient time exists to adequately prepare your collection lawsuit and if prospective client approves this attorney's fees and costs structure, attorney will likely accept representation.  This shall not constitute an offer of representation; attorney and prospective client retain discretion through first consultation.

2.  Insufficient Time.  If you've waited until the eleventh hour and there is not sufficient time to adequately prepare your collection lawsuit before a limitation deadline or contested court hearing, please do not call.  I decline.

3.  Limited Assistance.  Please do not call requesting instruction, directions, legal theory, forms completion or limited document drafting, partial representation, or an explanation of applicable law to assist you in preparation of your own collection lawsuit.  I decline.

Attorney Policies
Representation by Previous Attorney

1.  Current Attorney.  Until an order has entered withdrawing representation by an attorney, an ethical rule violation exists if counsel knowingly speaks to another attorney's client without current attorney's consent.  This ethical rule governs all attorneys.  Please do not call until after you have terminated representation by a former attorney.  After other counsel's withdrawal it may take significant effort for the the new attorney to "catch up."  Please be aware fees and costs will be associated with procuring relevant documentation, the court file and coming up to speed in the case.  Attorney would be less likely to accept a new case on a contingency fee basis in the event of prior representation.

2.  Adequate Time.  If prospective client terminates employment of the former attorney, if sufficient time exists to adequately prepare your collection lawsuit and if prospective client approves this attorney's fees and costs structure, attorney will likely accept representation.  This shall not constitute an offer of representation; attorney and prospective client retain discretion through first consultation.

3.  Insufficient Time.  If you've waited until the eleventh hour and there is not sufficient time to adequately prepare your collection lawsuit before a limitation deadline or contested court hearing, please do not call.  I decline.

4.  Second Opinion.  I will not arm chair quarterback another attorney's case preparation, trial tactics or theory of the case.  Please do not call for a second opinion or an opinion regarding the competence of preparation in your current collection lawsuit.  I decline.

 
 
POST JUDGMENT MATTERS
Attorney Policies
alternatives and find a lawyer links provided as a courtesy
former clients are naturally welcome to call anytime regarding any legal matter

1.  Post Judgment Enforcement.  Prospective client has been awarded a judgment, but it seems like a worthless piece of paper - you've gotten bogged down and are unable to convert the court order to cash.  I will review post judgment requests to enforce a lawful judgment with the goal of acceptance.  Depending on enforcement issues apparent at the time retained, attorney reserves the right to quote fees either upon a contingency basis or hourly basis.  This shall not constitute an offer of representation; attorney and prospective client retain discretion through first consultation.

2.  Appeal.  Prospective client has lost the case through default judgment, summary judgment or trial on the merits, had damages awarded against prospective client or a set-off awarded.  I do not accept debt collection or other civil appeals unless I provided representation during the underlying case in chief at the trial court level and am familiar with the facts, testimony and exhibits received into evidence and meritorious issues for appeal.  That's been my policy for years.  Please do not call or inquire regarding appellate matters if you are not a former client.

 
 

ATTORNEY TRADE AREA & TRAVEL
CASES OUTSIDE EL PASO COUNTY
 
GEOGRAPHIC DISTANCE
ECONOMIC CONSIDERATIONS
Colorado is a big state
ease of internet access, email & toll free phone doesn't change that fact

Attorney is very willing to travel outside the Colorado Springs area to present or defend a case, but please be aware travel time, mileage and expense would apply.  If you are out of state or unfamiliar with Colorado geography, refer to the map to determine where Colorado Springs is located in relation to the county of your court case or hearing.

Colorado MAP
Southern Colorado Area

If travel is necessary, a trust deposit would be required to cover anticipated travel time, mileage & expenses.  If it is not economically justifiable to retain my services with travel, please contact counsel in the locale of your case.

COUNTIES

CITIES / TOWNS

El Paso County

Colorado Springs / Manitou Springs / Fountain

I welcome new cases.  Intent is not to be harsh
or to discard potential new business, but to be practical.

Chaffee County

Salida

Crowley County Ordway Metro Denver Area
Custer County Westcliffe COUNTIES CITIES / TOWNS
Douglas County Castle Rock City and County of Denver Denver
Elbert County Kiowa / Simla Adams County Brighton / Thornton / Federal Heights
Fremont County Canon City / Florence / Penrose Arapahoe  County Court   District Court Littleton / Centennial / Englewood
Huerfano County Walsenburg Arapahoe County - East Aurora
Las Animas County Trinidad Broomfield County Broomfield
Lincoln County Hugo (county seat) / Limon Gilpin County Blackhawk / Central City
Otero County La Junta Jefferson County Golden / Wheat Ridge
Park County Fairplay
Pueblo County Pueblo
Teller County Cripple Creek / Woodland Park

BEFORE USING ANY INFORMATION IN THIS WEBSITE, PLEASE REFER TO THE BELOW LINKS
NOTICE AND DISCLAIMER
HomePage Disclaimer
 information to website visitors
ATTORNEY ETHICS & CLIENT DISCLOSURES
Prior Convictions or Bad Acts
important warning information before disclosure
CONTACT & PRIVACY
Confidentiality & Privacy Policy
email, and cordless, wireless or cell phones

please feel free to call or email if you are a client or are seeking representation

FREE INITIAL CONSULTATION
not an offer for free legal advice - refer to link for terms
I am a sole practitioner with need to manage my caseload & reserve the right to decline any legal matter

MAJOR SEARCH ENGINES

All the Web AltaVista AOL Search Ask Jeeves - Teoma Dogpile
Excite Google HotBot InfoSeek - Go LookSmart
Lycos Microsoft Network Netscape Overture Search
  WebCrawler   Yahoo!  

 
Serving Colorado Springs Area Zip Codes

80918 80920 80919 80917 80915 80908 80132 80909 80913 80916 80921 80922 80925 80901 80902 80903 80904 80905 80906 80907 80910 80911 80912 80914 80921 80926 80928 80929 80930 80931 80933 80934 80935 80936 80937 80940 80941 80942 80943 80944 80945 80946 80947 80949 80950 80960 80962 80970 80977 80995 90997

Copyright © 2003 - All Rights Reserved - Document Revised: February 28, 2010
no copyright claimed to merchant logo, software logo, flag, envelope or drawing images

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