Ian Winograd is also interested in studying legal theory and reading American and Russian history. Skip to main content Lawyer directory. Pressler, Felt & Warshaw LLP Attorneys at Law. The age of the account at issue. Pressler Lawsuit Arbitration. Avvo has 97% of all lawyers in the US. Write A Review. The overall rating of the … 74 Pressler & Pressler reviews. So, if any company representative speaks to you in a rude manner, you can take action against the company. It said the law firm, its partners Sheldon H. Pressler and Gerard J. if you need … pressler pressler payment pressler felt and warshaw paypressler and pressler pressler & pressler new jersey pressler sheldon pressler warshaw capital complaints paypressler.com. Pressler, Felt & Warshaw CONTACT US Pressler, Felt & Warshaw, LLP Attorneys at Law 7 Entin Rd Parsippany, NJ 07054-9944 Voice (888) 312-8600 Fax (973) 753-5353 Email [email protected] Pfwattorneys.com DA: 20 PA: 8 MOZ Rank: 33 i guess they do not want my account to be paid so i can better my credit. Inoa et al v. Pressler, Felt & Warshaw, LLP et al, 1:20-cv-02594, 1:2020cv2594, U.S. District Court for the Southern District of New York, Civil Case, Filed on March 26, 2020 New Jersey, United States ... • Review, draft, sign and approve notices of entry, closing documents, info … 7 Entin Rd. Current Employee - Reviewed on Jan 08, 2021 . (973) 753-5100. Pressler Felt Warshaw LLP in Parsippany, NJ received a Paycheck Protection Loan of $2M through Republic First Bank d/b/a Republic Bank, which was approved in March, 2021.. Docket for JONES v. PRESSLER, FELT & WARSHAW, LLP, 2:18-cv-02280 — Brought to you by the RECAP Initiative and Free Law Project, a non-profit dedicated to creating high quality open legal information. Pressler, Felt & Warshaw, LLP offers its employees an array of benefits including health and dental coverage, life insurance, a desirable 401k plan and paid holidays. MORRISTOWN. Reviews "FUCKING CUNTS!!" such criminals. i have been trying to get ahold of some one for some questions about a contract they have and no success for months. David Warshaw, Pressler & Pressler's Partner and Chief Compliance Officer, told ACA that the firm determined that reaching this agreement was the most prudent course of action in order to minimize the disruption to the firm's practice and the financial impact to the firm's business. (Id.). All submitted reviews are shared with the attorney prior to publishing. Apply to Data Entry Clerk, Clerical Assistant, Contact Tracer and more! From Pressler, Felt & Warshaw, LLP (March 24, 2020) COMMENTS ON THE COMMENTS OF LEGAL SERVICES OF NEW JERSEY TO THE 2020 REPORT OF THE SUPREME COURT COMMITTEE ON ... Special Civil Part suit filing of$75.00 for a Complaint to the amount of$250.00 for a Complaint in the Civil Part. 8 reviews of Pressler, Felt & Warshaw "this company is reckless never returns voicemail and emails. Pressler and Pressler, LLP is a debt-collection law firm located at 7 Entin Rd., Parsippany, New Jersey 07054-9944. If you should also contacted them to validate the law and individuals and updated information of substitution of accurate emails for pressler felt and. ... Do not reveal personal information or details about your case. 7 likes. Get … Learn More. The information contained in this site is believed to be accurate. This loan has been disbursed by the lender and has not yet been fully repaid or forgiven. Pressler Felt And Warshaw Reviews and Complaints . 4,812 Pressler and Pressler NY Debt Cases In 2018. Taxable costs are substantially higher in the Law Division. `YOU ARE HEREBY SUMMONED to answer the complaint in this `action and to serve a copy of your answer, or, if the complaint `is not served with this summons, to serve a notice of appearance ... `PRESSLER, FELT & WARSHAW, LLP `Attorneys for Plaintiff `305 Broadway Suite 802 `New York, NY 10007 `(888)312-8600 `[X] By: `_____ `Steven P. Bann , Esq. Seven years ago, I paid almost $1,100 to have my rescued greyhound euthanized. The CFPB found that to mass-produce these lawsuits, Pressler & Pressler used an automated claim-preparation system and non-attorney support staff to determine which consumers to sue. The company's filing status is listed as Active and its File Number is 3493552. A free inside look at company reviews and salaries posted anonymously by employees. Pressler Felt And Warshaw was first mentioned on PissedConsumer on Jun 25, 2016 and since then this brand received 34 reviews. Voice (973) 753-5100 Fax (973) 753-5355 . CRAIG SCOTT STILLER is registered attorney admitted in New York State in 1995. Pressler, Felt & Warshaw offers its employees an array of benefits including health and dental coverage, life insurance, a desirable 401k plan and paid holidays. They are telling me I owe them {$6500.00} for a XXXX credit Pressler Felt And Warshaw Complaints. Plaintiff Scott Rosenblatt is a former employee of Defendant Pressler & Pressler, LLP (“Law Firm”). Current Employee - Reviewed on Jan 08, 2021. Pressler, Felt and Warshaw, LLP Attorneys at Law is very active in maintaining, supporting and opposing new legislation which affects the collection industry. The Law Firm became Pressler, felt & Warshaw, LLP in March 2018. Information about (973) 753-5100 found in public records: Name. The registration number is 2667202.The company name is PRESSLER FELT & WARSHAW, LLP.The office address is 305 Broadway Ste 802, New York, NY 10007-1135, United States of America.The county is New York.The phone number is (516) 222-7929.The law school is TOURO. Pressler Felt And Warshaw ranks 95 of 231 in Collection Agencies category. It states NJ court rule 6:6-3 (e). Please note, PRESSLER, FELT & WARSHAW, LLP does not offer any language access services for consumers other than some non-attorney representatives who may be able to speak with you in Spanish. The campaign committee of Democratic Party candidate Jeff Van Drew, Van Drew for Congress, received $500 from Gerard J. Personal Blog. The overall rating of the company is 1.0 and consumers are mostly dissatisfied.. Whether you owe the debt or not, you may be able to take legal action against the collector for placing harassing or threatening phone calls, sending letters that misrepresent the debt, placing calls to family members, neighbors, co-workers or friends about … Pressler, Felt & Warshaw, LLP can be contacted at (973) 753-5100. A majority of the people are dissatisfied with Pressler and Pressler because of the bitter experience they have had while dealing with this collection agency. As per consumer feedback, this law firm does not seem to be very popular among consumers for a variety of reasons. The complaints against this firm are as follows: Felt, and New Century filed lawsuits against consumers without sufficient basis and failed to … Please note, PRESSLER, FELT & WARSHAW, LLP does not offer any language access services for consumers other than some non-attorney representatives who may be able to speak with you in Spanish. Pressler, Felt & Warshaw has agreed to a $115,000 settlement of claims that it violated wage-and-hour laws by failing to pay overtime to an … Pressler, Felt & Warshaw 7 Entin Rd Parsippany, NJ Lawyers - MapQuest. This communication is from a debt collector. Salaries, reviews, and more - all posted by employees working at Pressler, Felt & Warshaw. Deutsch v. Pressler, Felt & Warshaw, LLP. Managed high volume of affirmative litigation including class actions and oversaw regulatory complaints relating to mortgage servicing business. Get Pressler, Felt & Warshaw, LLP reviews, ratings, business hours, phone numbers, and directions. Get reviews, hours, directions, coupons and more for Pressler, Felt & Warshaw, LLP. They have entered a … Pressler, Felt and Warshaw, LLP. Any information obtained will be used for that purpose. Write A Review . -against- COMPLAINT OBINNA SMALL Defendant(s) ----- Plaintiff by its attorney, Pressler, Felt & Warshaw, LLP complaining of the Defendant(s) alleges upon information and belief as follows: FIRST CAUSE OF ACTION 1. COMPLAINT against JOHN DOES 1-10, GERALD FELT, NEW CENTURY FINANCIAL SERVICES, INC., SHELDON H. PRESSLER, PRESSLER & PRESSLER LLP, ERIC SOMBERS ( Filing and Admin fee $ 400 receipt number 0312-8047817) with JURY DEMAND, filed by SCOTT ROSENBLATT. Phone number: 973-753-5100. Make Reservations. all i can say is Michael took care of me and helped me tremendously, thank you for you cooperaton during this time i couldnt get intough with,i look forward doing business with you again. . Pressler Felt And Warshaw ranks 93 of 232 in Collection Agencies category; The overall rating of the company is 1.0 and consumers are mostly dissatisfied. Find the best ones near you. if you need … The lawyer/law firm that filed your case, including Pressler Felt & Warshaw (Ian Winograd), Patenaude & Felix (Gregg Morris or Timothy Graham), or Ratchford Law Group (Michael Ratchford). Pressler, Felt & Warshaw, LLP is a debt collection agency, and like others they may try to intimidate you into paying debts. Now also known as “Pressler, Felt & Warshaw”, with Lee Pressler officially running things for his daddy (Sheldon) at both Pressler and New Century Financial Services, Inc. Again, still filing lawsuits on his own behalf, while pretending to be a victim, AFTER stealing accounts and personal financial info to prey upon. I read a lot of topics and filed an answer after I received the complaint and requested arbitration as it states in the Credit Card Agreement. Aug 24, 2017. The following list comprises the 14,310 law firms that received more than $150,000 in Paycheck Protection Program (PPP) loans. Thank you again for your assistance in … Sheldon H. Pressler and Gerard J. You may even be contacted about paying off debts you don’t actually owe. -against- COMPLAINT OBINNA SMALL Defendant(s) ----- Plaintiff by its attorney, Pressler, Felt & Warshaw, LLP complaining of the Defendant(s) alleges upon information and belief as follows: FIRST CAUSE OF ACTION 1. Pressler, Felt & Warshaw, LLP Attorneys at Law 7 Entin Rd Parsippany, NJ 07054-9944 Voice (888) 312-8600 Fax (973) 753-5353 Email [email protected] Please note, If you wish to email this office, please be sure to include the following If You Were Recently Served Notification of a Lawsuit from Pressler, Felt, & Warshaw, You Should Not Panic, but You Should Act Fast. This means you will speak to the same person each time, should you need to contact us. On October 29, 2021 a Other Matters - Consumer Credit (Card) Debt Buyer Plaintiff case was filed by Lvnv Funding Llc, represented by Bann, Steven P, against Ashley Cole, represented by in the jurisdiction of Chemung County. 8 Reviews. Get Pressler, Felt & Warshaw, LLP reviews, ratings, business hours, phone numbers, and directions. Search for other Attorneys on The Real Yellow Pages®. -against-COMPLAINT OCTEVIA SUMLAR Defendant(s)-----Plaintiff by its attorney, Pressler, Felt & Warshaw, LLP complaining of the Defendant(s) alleges upon information and belief as follows: FIRST CAUSE OF ACTION 1. yours... more Christina S. 10 reviews of Pressler, Felt & Warshaw "this company is reckless never returns voicemail and emails. The exact status of ongoing loans is not released by the SBA. The company, " Pressler & Pressler '', " XXXX XXXX XXXX XXXX '', and/or " Pressler, Felt & Warshaw '' have been harassing me for many years. Considering Pressler, Felt & Warshaw, LLP? We provide Debt Collection Lawsuit Defense and will protect your rights. According to the New York State Unified Court System, junk debt buyers Pressler and Pressler, LLP filed 4,812 New York debt collection lawsuits in 2018. On 01/05/2021 Deutsch filed a Finance - Consumer Credit court case against Pressler, Felt Warshaw, LLP in U.S. District Courts. Parsippany NJ 07054. Now before the Court is the motion of Defendant LVNV Funding, LLC ("LVNV") to dismiss the complaint, or in the alternative to compel arbitration. ... Pressler, Felt & Warshaw LLP 7 Entin Rd Parsippany, NJ, 07054-5020 United States. No comments. If Pressler & Pressler engages in any of the following tactics, you may have a case: Your Profile? Based in Parsippany, New Jersey, Ian Winograd is an associate attorney and senior document review analyst for Pressler, Felt and Warshaw LLP, where he has worked since 2017. Visit Website (973) 753-5100 Contact Us . at ¶ 1, 12). About Pressler, Felt, & Warshaw LLP. The company or organization that David Barry Warshaw serves is Pressler, Felt & Warshaw, LLP.The office address is 7 Entin Rd, Parsippany, NJ 07054-5020, United States of America. DARREN H. TANAKA (PRESSLER, FELT & WARSHAW, LLP) 7 ENTIN RD, PARSIPPANY, NJ 07054. 'CAUSE 'EM 'N 'S 'TIL A A'S A. This is an attempt to collect a debt. Updated: 04/04/2019 . 973-753-5353. Pressler, Felt & Warshaw LLP Mar 2021 - Present 9 months. Recent Complaint Activity for (888) 312-8600 An EveryCaller user suggested caller name as Wasn't called, but received a harassing email from them Pressler, Felt, & Warshaw 03/27/20 04:00 PM The Firm has grown to almost 300 employees, and 20 attorneys. Fight Pressler, Felt & Warshaw. You may withdraw Your consent to receive Communications under this Notice by writing to Us at "Attn: E-Sign Disclosure and Consent Notice, Pressler, Felt & Warshaw, LLP, 7 Entin Rd Parsippany, NJ 07054" or by sending an email that identifies Your name, address and PFW file number, to [email protected] I have worked 40 years for lawyers and never have I seen anything like these folks who are supposed to be lawyers who are sworn to uphold the law. because of them i am starting to have bad credit. Address. Pressler, Felt & Warshaw. Firm Profile: Founded in 1930, Pressler and Pressler, LLP is managed by Sheldon H. Pressler who was admitted to the Bar in 1955. If you have been sued by Pressler, Felt & Warshaw, LLP, please fill out our 1-minute evaluation form to the right, and one of our debt experts will get in touch with you to schedule your free consultation. (ECF No. Visit Website. Please note, PRESSLER, FELT & WARSHAW, LLP does not offer any language access services for consumers other than some non-attorney representatives who may be able to speak with you in Spanish. When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a … - Anonymous Write an Anonymous Review. (973) 753-5100 Website. You may see Pressler & Pressler, LLP listed on your credit report as a collections account. because of them i am starting to have bad credit. Defendant Pressler, Felt & Warshaw, LLP joins the motion. Keep in mind, this is the same company ; they keep changing their name due to the multiple complaints and backlash for their unethical practices. 1. See all 297 reviews, insights and star ratings from major platforms (Facebook, Google, Yelp, TripAdvisor) in one place! JED S. RAKOFF, U.S.D.J. By: Robert J. Nahoum. Find company research, competitor information, contact details & financial data for Pressler, Felt & Warshaw, LLP of Parsippany, NJ. Deutsch v. Pressler, Felt & Warshaw, LLP f/k/a Pressler & Pressler, LLP et al, 7:21-cv-00084, 7:2021cv84, U.S. District Court for the Southern District of … If you find that the debt collector’s actions are violating your rights under the Fair Debt Collection Practices Act , you have the right to sue. (Id. Get reviews, hours, directions, coupons and more for Pressler, Felt & Warshaw, LLP at 7 Entin Rd, Parsippany, NJ 07054. Plaintiff(s) Index No. February 19th, 2020. rnahoum. Pressler, Felt & Warshaw, LLP can be contacted at (973) 753-5100. Update Now. Fight Pressler, Felt & Warshaw. David Barry Warshaw is an attorney admitted to practice in New York State in 2009. Pressler, Felt & Warshaw, LLP. On October 15, 2021 a Other Matters - Consumer Credit (Card) Debt Buyer Plaintiff case was filed by Lvnv Funding Llc, represented by Bann, Steven P, against Valarie O'Brien, represented by in the jurisdiction of Schuyler County. This is an attempt to collect a debt. Pressler, Felt & Warshaw CONTACT US Pressler, Felt & Warshaw, LLP Attorneys at Law 7 Entin Rd Parsippany, NJ 07054-9944 Voice (888) 312-8600 Fax (973) 753-5353 Email [email protected] Pfwattorneys.com DA: 20 PA: 8 MOZ Rank: 33 Every year, Pressler and Pressler, LLP represents debt buyers and other debt-collection companies, such as J.P. Morgan Chase Bank, N.A., and Midland Funding, LLC. Pressler, Felt & Warshaw, LLP 7 Entin Rd Pressler Felt And Warshaw Llp Parsippany, NJ, 07054-5020 United States (973) 753-5100 … -against-COMPLAINT JOHN J DAVIDE Defendant(s)-----Plaintiff by its attorney, Pressler, Felt & Warshaw, LLP complaining of the Defendant(s) alleges upon information and belief as follows: FIRST CAUSE OF ACTION 1. Pressler & Pressler, who is also now going by the name “Pressler, Felt & Warshaw, LLP” has its headquarters located at 7 Entin … 1. Website: www.pressler-pressler.com. Pressler,Felt & Warshaw LLP Oct 2017 - Present 4 years. Sometime thereafter, the law firm of Pressler & Pressler … They have now hired a grimy lawyer to force me to pay this money, AGAIN! We were responsible for rolling back the costs for docketing New Jersey judgments from a fee of $25.00 to a more reasonable fee of $5.00 [now $10.00]. Pressler & Pressler Debt Collection Harassment Tactics. ... We consider consumer complaints a serious matter, fully respect consumers’ rights, and apologize for the inconvenience caused to you. The Registered Agent on file for this company is Pressler, Felt & Warshaw, LLP and is located at 7 Entin Road, Parsippany, NJ 07054. Your feedback must be at least 50 characters. 74 Pressler & Pressler reviews. The truth about Pressler and Pressler a/k/a New Century Financial Services a/k/a Pressler, Felt and Warshaw – Sheldon Pressler created New Century Financial Services, to file lawsuits in his own name, then transferred name to his son, Lee Pressler, while essentially doing the same thing, filing lawsuits for fake accounts, never lawfully owned. The information contained … The Consultation is FREE… Ignoring a Lawsuit from Pressler, Felt & … While they are a legitimate debt collection law firm, Pressler & Pressler has many complaints against them alleging violations of … Updated: 04/04/2019. Court records for this case are available from New York Southern District. Pressler, Felt & Warshaw, LLP Attorneys at Law 7 Entin Road, Parsippany, New Jersey 07054-5020. This communication is from a debt collector. Pressler felt and warshaw biggest garbage. 2. The exact status of ongoing loans is not released by the SBA. Find reviews, educational history and legal experience. Learn More. Reviews from Pressler, Felt & Warshaw, LLP employees about Management Pressler, Felt & Warshaw Reviews "FUCKING CUNTS!!" i have been trying to get ahold of some one for some questions about a contract they have and no success for months. Plaintiffworked for the Law Firm as an IT Hardware Technician from November 2009 to June 2017. MIDLAND CREDIT MANAGEMENT, INC., a corporation formed under the laws of the State of Kansas, is the owner by Email: [email protected]pressler-pressler.com. Menu & Reservations. Pressler Felt And Warshaw was first mentioned on PissedConsumer on Jun 25, 2016 and since then this brand received 34 reviews.. Pressler Felt And Warshaw ranks 95 of 231 in Collection Agencies category. In 2016, the CFPB instituted a $1 million civil penalty against Pressler & Pressler LLP, and it's two principal partners, Sheldon Pressler and Gerard Felt, for their role in filing allegedly deceptive debt collection lawsuits on behalf of debt buyer New Century Financial Services, Inc. Felt, partners of the firm, each participated in the firm’s debt collection litigation practices. f*** them. Plaintiff(s) Index No. The registration number with NYS Office of Court Administration (OCA) is #4678280. Rate Center. - Anonymous Write an Anonymous Review . This loan has been disbursed by the lender and has not yet been fully repaid or forgiven. Pressler Felt Warshaw LLP in Parsippany, NJ received a Paycheck Protection Loan of $2M through Republic First Bank d/b/a Republic Bank, which was approved in March, 2021.. Get the latest business insights from Dun & Bradstreet. Advice to law firm management: all Pros: This is a piece of shit firm. Debt Collection Law-Firm Pressler, Felt & Warshaw, LLP Filed 13,086 NY Debt Collection Cases In 2019. See what employees say it's like to work at Pressler, Felt & Warshaw. In addition to the standard vacation time allotted to all our full-time employees, we provide a high degree of flexibility in work week scheduling and planning for future time off. Michele D. 03/01/21. The type of debt at issue (credit card, personal loan, auto loan, etc). If you need to contact the CA, you can use the following contact information: Address for Pressler and Pressler collection agency: 7, Entin Rd., Parsippany, NJ – 07054-9944. We’ll analyze your budget and help determine if defending the lawsuit, postponing, or settling your lawsuit for less than what you owe, is your best option. Pressler, Felt & Warshaw, LLP is located at 7 Entin Rd, Parsippany, NJ 07054. A free inside look at company reviews and salaries posted anonymously by employees. Pressler felt and pressler llp, there not go on there is. The amount at issue. Pressler, Felt and Warshaw, LLP website: no debt is recorded. A. Sheldon Pressler … ; They defend Midland Funding to get money out of people for shit they never owed in the first fucking place. If Pressler, Felt, & Warshaw is suing you or already did sue and now there is a judgment against you, the Debt Lawyers at Dramer Law can help. A free inside look at company reviews and salaries posted anonymously by employees. Contact Us. I am in NJ and I am being sued by Pressler, Felt, and Warshaw who represent Midland Credit Management (Synchrony Bank, PayPal) in the amount of $2900. Pressler Felt And Warshaw was first mentioned on PissedConsumer on Jun 25, 2016 and since then this brand received 34 reviews. Docket (#1) COMPLAINT against Absolute Resolution Investments, LLC, Pressler, Felt & Warshaw, LLP f/k/a Pressler & Pressler, LLP. Pressler, Felt & Warshaw (formerly Pressler & Pressler - google them) have somehow obtained a judgment without giving me … No warranty or guarantee concerning the accuracy or reliability of said content is stated or implied. Order Online Tickets. MEMORANDUM ORDER. 74 Pressler & Pressler reviews. Pressler, Felt & Warshaw LLP Attorneys at Law. 'S AAMODT AARDVARK AARON AARON'S AARONS AARONSON AARONSON'S AB ABABA ABACHA ABACK ABACUS ABADI ABALONE ABANDON ABANDONED ABANDONING ABANDONMENT AB (Filing Fee $ 402.00, Receipt Number ANYSDC-23956166)Document filed by Hang Lee. Pressler, Felt & Warshaw, LLP is located at 7 Entin Rd, 30 Ste Parsippany, NJ 07054. Pressler, Felt & Warshaw, LLP specializes in filing credit card lawsuits and other types of collection lawsuits for debt buyers. Any information obtained will be used for that purpose. It refers to a INFORMATION SUBPOENA. 6 likes. such criminals. Pressler Felt & Warshaw or whatever they call themselves are nothing but a deceptive, unethical, and con artists. Complaint: Presser, Felt & Warshaw LLP called me to collect a debt although I do not owe them any money. Pressler, Felt & Warshaw, LLP is a New York Foreign Registered Limited-Liability Partnership filed On March 22, 2007. New Jersey, United States ... • Review, draft, sign and approve notices of entry, closing documents, info … Pressler & Pressler, LLP is a law firm based in New Jersey that focuses on third-party debt collection and litigation. Law Office of Pressler Felt & Warshaw Have you received collection contact from the Law Offices of Pressler Felt & Warshaw? When I called them and requested that they stop contacting me, XXXX XXXX at extension XXXX, proceeded to ask me questions that I didn't feel comfortable answering and when I refused he said that he would not remove this number because I wouldn't answer his … Pressler, Felt & Warshaw LLP Mar 2021 - Present 9 months. 8 Data Entry Clerk jobs available in Fredon, NJ on Indeed.com. 40-2at ¶ 1). Contact Information: Located at 7 Entin Rd., Parsippany, NJ 07054, the phone number for Pressler, Felt, & Warshaw LLP is 888-312-8600, and their fax number is 973-751-5353. Want to fight or settle your debt? On behalf of our Client's, our debt defense lawyers have fought and resolved many cases brought by debt collection attorneys. This attorney is not active on Avvo. My question involves collection proceedings in the State of: New Jersey I just received a letter from Pressler, Felt and Warshaw, L.L.P. Find a lawyer near you. Felt on April 28, according to the Federal Election Commission (FEC). Recent recommendations regarding this business are as follows: "If it's … Parsippany, NJ Being able to multi task and take on several projects at a time has allowed me … i guess they do not want my account to be paid so i can better my credit. In addiction to the standard vacation time allotted to all our full-time employees, we provide a high degree of flexibility in work week scheduling and planning for future time off. Plaintiff, MIDLAND CREDIT MANAGEMENT, INC., is a limited liability company formed under the laws of the State of Pressler Felt Warshaw LLP in Parsippany, NJ received a Paycheck Protection Loan of $2M through Republic First Bank d/b/a Republic Bank, which was approved in March, 2021. This loan has been disbursed by the lender and has not yet been fully repaid or forgiven.
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