The Russo Law Firm, P.L.L.C.

THE RUSSO LAW FIRM
A Professional Limited Liability Company

GENERAL

1. How much do you charge?
My fees are competitive considering my experience, my level of expertise, and the quality of
service I deliver. I charge an hourly rate for most small business matters, and a contingent fee
for most, but not all, consumer matters. Each matter is considered independently, based on the
client's needs, the facts, and the legal issue(s) involved.

2. I am too busy to visit your office. What are my options?
I believe in using technology to the greatest extent possible. The majority of my communications
with clients are via telephone, e-mail, regular mail, and fax. If a meeting is necessary, I usually
visit the client. I have found that clients appreciate this, because visiting the client allows me to
gain a thorough understanding of the client's business and or environment, and a greater
appreciation of their day-to-day activities.

3. Are there any types of clients you avoid?
I do not accept every client that wishes to hire me. That said, I do not discriminate on the basis
of age, color, country of origin, disability, educational achievement, economic status, ethnicity,
gender, political affiliation, race, religion, sexual orientation, or veteran status.

4. Do you offer services in Spanish?
My Spanish is at a beginner's level. If necessary, however, I can arrange for a certified
translator.

CREDITOR HARASSMENT

1. I feel I was harassed by a collection agency. What can you do?
I sue creditors and collection agencies that harass Texas consumers. Creditors and collection
agencies attempting to collect alleged debts from Texas consumers, may be subject to the Fair
Debt Collection Practices Act, the Texas Debt Collection Practices Act, the Texas Deceptive
Trade Practices - Consumer Protection Act, and the Fair Credit Reporting Act. Other civil
remedies may also be available to a consumer for a collector's egregious conduct.

Creditor harassment claims are subject to a statute of limitations. In order to preserve your
rights, it is very important that you contact me as soon as possible after you feel you were
harassed.

2. I received a communication from a debt collector. What should I do?
It is very important that consumers retain all items sent to them by a collection agency. Retain
all statements, invoices, bills, notices, and even the envelope the item(s) came in.

If contacted by telephone, the consumer should make a note of the name of the collection
agency, the name and title of the person contacting them, the time and date of the call, and a
summary of what was said during the call. Any harassing comments, profanity, or derogatory
statements should be written down verbatim.

3. May I record a telephone conversation with a debt collector?
Yes. Both federal and Texas law hold that at least one party to a conversation must be aware
that the conversation is being recorded, and consent to the recording. The person doing the
recording counts as the "one party."

4. Is it possible to have collection-related information removed from my credit
report?
Yes. Under federal law and several court decisions that have dealt with this issue, a collection
agency has the authority to request that a credit reporting agency remove its "trade" from the
consumer's credit report. In addition, an original creditor may also request that a credit
reporting agency remove certain account information from a consumer's credit report.
Unfortunately, because of loopholes and certain protections the Fair Credit Reporting Act
provides credit reporting agencies, not all agencies honor requests to remove information.