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Kamis, 29 Maret 2012

Credit Card Debt Relief: Tricks to Watch Out For

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Facing credit card debts is challenging particularly at this time when the economy is at its worst. Unfortunately, some unscrupulous companies are trying to capitalize on this worsening problem, taking advantage of unsuspecting victims who are trying to find card debt relief. Essentially, all credit card debt relief scams offer the same thing, they promise people relief from debt later for payment now.

Several years ago, lump-sum debt settlement was the number one debt relief scam because fly by night companies charges exorbitant fees before their customers even pay their creditors, which is a step back towards better credit management. Thanks to new federal rules, formalized in 2010, it is now illegal to ask for upfront payments for debt settlement services. In this article, we will discuss various scams you should watch out for as you find credit card debt relief programs.

Redemption Certificate or Bond For Discharge of Debt

The Federal Reserve Bank and the Office of the Comptroller of the Currency has identified this credit relief program as a type of "fraud" because this may cause criminal liability to the debtor. So don't enter into any agreement without reading the contract or seeking the help of an attorney.

Arbitration Awards

Unfortunately, many credit card agreements still feature an arbitration clause in them. This clause states that you and your card company agrees to settle disputes with arbitration, not court action. This means you will be charged hundreds of dollars when you get an arbitration award from a licensed arbitration firm that says you do not owe any money on your account. Anyone who uses this strategy risks having poor defense for any potential court action.

Companies That Purchase Your CC Account and CC Debt

Some credit card agreement indicates that an account may be sold to another entity. However, because credit card debt are unsecured type of loan and being handed to a corporation, card banks will have no choice but to charge it off.

Novation

Novation refers to the substitution of a new contract for an old one or the substitution of a party in contract with the other party. The act of using the card under the new contract is regarded as the holder agreeing to the new terms and conditions. It's important to check the new terms and conditions as most card company use this type of agreement to trick you into not paying your bills without establishing a legal defense or dispute for doing so.

Learn how you can handle answering a summons on your own and WIN your case! This groundbreaking eDocument will help you end all debt claims and fight credit card lawsuit! Visit http://answeringasummons.com/ for more information.

How to Fight a Credit Card Lawsuit: Request to Admit Facts Collection Lawsuit

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Learning how to fight a credit card lawsuit starts with arming yourself with as much information as you can particularly when the plaintiff will file a Request to Admit facts. Remember, just like creating your Answer, you are only given by the court a limited time to answer any questions from the plaintiff and if you did not answer on time, you could lose your case.

If you want to learn how to fight a credit card lawsuit, it is important to note that Interrogatories and Request for Documents are critical during the Discovery phase of the lawsuit. As far as defending yourself goes, the Request to Admit Facts is the most important part of the Discovery phase which is why it is imperative that you answer on time.

What makes this phase intimidating to debtors who do not know how to fight a credit card lawsuit is that junk debt buyers and collection agencies will go all out in this phase. They will conveniently leave the fact that you have only limited time during Discovery and use your state's court rules to bring a favorable decision to them.

To learn how much time you have to file all necessary documents during the Discovery phase, it is best to review your court rules. Check the Discovery or Request for Admission page. Usually the defendant and the plaintiff are given thirty (30) days to Answer the Request to Admit Facts otherwise, they will be deemed admitted (which your plaintiff is counting on when it's your turn). The plaintiff is hoping you don't know how to fight a credit card lawsuit and you are not aware of your state's local court rules allowable period to answer the allegations.

If you failed to answer on time, your creditor will quickly file a Motion to Deem Admissions! So better get crackin' and file the documents on time! If you leave out any question, it will be deemed admitted. If you check the questions that your plaintiff arranged for you, you will see that they are making you admit that you own the debt, you own the credit card account, you admit that you made payments and you agreed to sign anything that pertains to the debt so be careful when answering these questions.

Consequently, your creditor also has a limited time to answer your Request to Admit Facts. As soon as you mail your request, the clock starts ticking. If your creditor failed to answer on time, you can file a Motion to Deem Admissions.

So if you do not know how to fight a credit card lawsuit, the answer is obvious, find answers! Check the local court rules and look for any helpful information online. Consult a debt attorney and learn what strategies will work best for your own case. Most importantly, do not ignore the summons! Answering the summons on time is probably the best way to assert that you are well-aware of your rights and you are not afraid to fight creditors off in court.

When A Summons for Credit Card Debt Is Unanswered

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If a debtor fails to answer a summons for credit card debt within the given period (usually 20 days) junk debt buyers, collection agencies, and creditors will not waste time collecting the payment if they are awarded a default judgment.

If you are given 20 days to file an Answer to the summons for credit card debt and you failed to do so within the given timeframe, your creditor will start their collection efforts as early as the very next day they got a default judgment. These guys don't mess around either. Once a default judgment is awarded to your creditor, they have legal access to your bank account and garnish your wages.

Your creditor expects you to ignore the summons for credit card debt. They expect you to give up and hand over the payment for the debt you allegedly owe them. They expect you to not respond to the summons and hijack your bank account through the power of a default judgment. So the question is, will you allow your creditor to empty your bank account and garnish your wages?

If your state allows a certain percent of your wages to be garnished, you might receive an order from the court asking you to appear at a Garnishment hearing. However, your creditor will still discover where you work, how much you make a month, and dock your check at the highest percentage allowed in your state.

Though it can be quite disheartening to receive a summons for credit card debt, it is important to fight back and not let these bottom-feeders take whatever they get their hands on. Don't make it easy for them to win their case respond to the summons for credit card debt right away. This way, your creditor has no chance of being awarded a default judgment, which will give them legal access to your bank account, employment and personal information as well as put lien on your property or garnish your wages as repayment for the debt.

The key is to conduct as much research as you can about the steps you need to take in order to effectively defend yourself in court even without the help of an attorney. Of course, you still need to check local court rules even if you have an attorney representing you in court. Knowledge is power and you need to know what you are up against even if you are not defending your case Pro Se.

Learn how you can handle credit card lawsuit on your own and WIN your case! This groundbreaking eDocument will help you end all debt claims and fight credit card lawsuit! Visit http://answeringasummons.com/ for more information.

Court Summons for Credit Card Debt: Take Immediate Action

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If you received a court summons for credit card debt, you are probably wondering when and how to start addressing the problem. The simple answer would be to answer the court summons for credit card debt right away. Generally, debtors are given 20 days to respond to a summons and failure to respond on time means your creditor will win their case against you and will gain legal rights to freeze your bank account and garnish your wages!

If say, you failed to answer the court summons within the given period and a judgment was filed against you, for any reason, what is there left to do? How can you stop your creditor from legally hijacking your bank account and collect your wages?

You need to file a Motion to Vacate the Judgment.

By filing a Motion to Vacate the Judgment, you are given a chance to give your reasons as to why you were not able to answer the court summons for credit card debt on time. Basically, you are asking the court to dismiss the judgment ruling and start all over again. In most cases, you will probably receive a court hearing and the plaintiff (your credit card company's attorney) will not even show up, and get the case dismissed.

On the other hand, if you have a good reason for not answering your court summons for credit card debt the first time, do not think twice and start filing the Motion to Vacate the Judgment. If you failed to ask for a second chance and the ruling goes in favor of your creditor, you just gave your creditor the green light to take all your savings straight out of your own bank account and your paycheck to boot. And these guys don't mess around either. As soon as they get a default judgment on you, they will access your bank account, get your personal, employment and banking information, garnish your wages and put liens on your properties!

This is why you need to draft an Answer once you got served with a court summons for credit card debt or review local court rules to learn what steps you need to take in order to win the lawsuit and prevent your creditor from getting the information they need to find out where you work or where you live because from there, they could start harassing you with persistent phone calls or even hound your neighbors.

Learn how you can handle credit card lawsuit on your own and WIN your case! This groundbreaking eDocument will help you end all debt claims and fight a credit card lawsuit! Visit http://answeringasummons.com/ for more information.

Tips on How To Avoid Credit Card Debt Lawsuits

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In most cases, lawsuits related to credit card debt are carried on because debtors gave away an opportunity for debt collectors to go after them. The fact is, collection attorneys and creditors expect easy victory by being awarded default judgments because they assume all debtors do not know their rights or exhibit weaknesses. They really don't want to go through the whole sordid affair of filing a lawsuit and heading to court. They just want to intimate debtors into paying them money.

If you do not respond to a summons within the given period, your creditor, or debt collector will be awarded with default judgment. It's as easy as that. In this article, we will discuss certain moves make for an easy prey with debt collectors or debt attorneys.

No Response

If you failed to respond to every initial communication from a creditor or collection agency with a deny, dispute or debt validation letter sent CRRR, it's only a matter of time before your creditor will come after you.

No Follow Through

If you are given a poorly document validation of your alleged debt and you did not send any follow up letter to deny or dispute the debt, creditors will take as a sign that you are uninformed and will come after you.

Taking Phone Calls

Do not talk to debt collectors without keeping a good record of everything. Worse, don't return their phone calls. Any undocumented conversations could turn to a window of opportunity for collectors to intimidate or give empty threats.

Providing Personal Information

Never give any sensitive information about you when engaged in a conversation with a debt attorney. Anything you say may be used against you. Make sure you do not reveal anything that they can use against you once the proceedings start.

Admission to the Alleged Debt

Never admit that the alleged debt is yours on the phone or worse, in writing. Any giveaway will be used against you.

Not requesting Certified Mail Return Receipt (CRRR) for Written Correspondence

Demanding CRRR alone is a clear sign that you are not messing around. This gives your creditor the idea that you know how to get the upper hand in the situation.

Know your rights, learn how to fight any debt claims using the ultimate guidebook that offers everything you need to know about defending yourself Pro Se. It's possible to represent yourself in court and win your case!

Debt Claim Guide: Being Sued By Credit Card Company?

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Being sued by credit card company can be a nerve wracking situation that no one wants to be in. However, millions of Americans are embroiled in debt claims and are hounded by creditors, debt collection agencies, or junk debt buyers every day. If you are being sued by credit card company, the important thing to do is to stop panicking, read the summons and create your Answer to the complaint.

In most cases, something as simple as filing an Answer is enough for junk debt buyers to scurry away and move on to less informed debtors. On the other hand, if the case moved on and you find yourself being asked, in writing, by the plaintiff to send Interrogatories or Answer under oath, you need to make sure that all interrogatories are signed and notarized.

When being sued by credit card company, the debt collector's legal representative will try to pin the debt to you by asking trick questions. They will try to ask one question and then rephrase the same question to get you to answer differently. Once false move and they will nail you with it.

Being sued by credit card company is hard enough, the interrogatories are even more difficult and intimidating especially if the plaintiff will start inquiring about your employment details or your bank account information. When you are asked about your employment or bank details, you need to choose your words wisely, as the plaintiff is setting you up to get as much information about your bank account and employment details to make it easier for them to find your account, freeze your savings or garnish your wages!

Note that when filing the Interrogatories, do note that the court will only give a limited time to answer them. In most cases, debtors are allowed 30 days to answer Interrogatories but to be on the safe side, you need to review your state's local court rules.

Discovery is just some of the many processes you should not ignore when you are being sued by credit card company. In addition, admissions that are not answered will be deemed admitted by the court and they can cause you to lose your case.

Being sued by credit card company? Your chances of winning the lawsuit is great as long as you make an effort to learn everything you need to know about answering a summons and handling all debt claims.

Credit Card Debt: How To Avoid The Cycle of Debt

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The numbers of people who are facing mounting card debts are on the rise. While it's true that credit cards have numerous benefits, it can cause one's financial situation to spiral out of control quickly if he or she is not able to use cards responsibly. Because credit card companies make it so appealing to enroll for a card via perks, bonuses, zero interest purchases and special privileges, more and more people are using cards much more than debit cards.

Multiple purchases lead to accumulated debts and with high interests, one can expect to pay more than he or she should. Skipping a single payment and you end up with a shocking monthly bill. In this article, we will discuss several ways to avoid getting trapped under multiple financial obligations brought on by credit cards.

Pay in Full, Pay On Time

Nothing beats paying your bill on time and in full to quickly get rid of accumulating interest on past purchases. On the other hand, if you do not have sufficient funds to pay off your bills in full, make it a point to pay above the minimum payment requirement. By lowering your outstanding balance, you improve your own credit score.

Read The Fine Print!

It's important to read everything you need to know before you apply for credit cards. Check the interest rates, grace periods, and the fees and charges that come with using the card. Stay away from credit cards that require annual fees. In addition, interest rates can be negotiated so it's best to inquire about this when you talk with your would-be creditor.

Check Your Monthly Statement

In some cases, card companies will increase without prior notice and for no apparent reason. To make sure you are updated all changes, check your monthly statement religiously. Even if you paid in full, you should always check for changes in the interest rates.

No to Cash Advance

No matter how tempting it might be, avoid taking out cash advance offered by your card company at all cost. Cash advance have higher interest rate with no grace periods, something that most cardholders are not aware of.

Avoid Using Your Card For Everyday Purchases

It's best to use cash instead of cards for everyday purchases like groceries, fuel, watching a movie, etc. Using credit card can become quite addicting if you use it every chance you get so if you have the funds, always use cash.

Answering To a Credit Card Debt Collection Agency

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The first step to take when you learn that a credit card debt collection agency is suing you for uncollected debt is to create a response to summons. First, once you received the summons and complaints, you need to file a Notice to Appear. This will prevent the court from entering a default judgment against you without court proceedings. This will also give a clear message to your creditor that you are a well-informed debtor ready to defend yourself in court.

Next, you need to draft a response to a summons. Your response to summons must include answers to all allegations against you. Just make sure to file your response within the given period otherwise, the creditor will be awarded with a default judgment against you.

Once the response to summons is filed, the Plaintiff has two choices, either go on with the lawsuit and request a court date or drop the case altogether. However, there are some cases wherein creditors will send off Discovery immediately once the response to summons has been filed in court.

If you found several inaccuracies or discrepancies with the Complaint the plaintiff filed and get the plaintiff to amend these errors, they just might not want to deal with you, drop the case and move on to less informed debtors.

On the other hand, if you admitted to every allegation on the complaints or you answered incorrectly with your response to summons, the plaintiff will get the impression that you are an easy target, expecting to win the case and request for a court date.

But instead of getting a court date, the plaintiff could also send you straight to discovery where you need to present answers to Interrogatories, Admissions, and Documents. Depending on your answers, the plaintiff may proceed with dropping the case or formally request a court hearing. If you failed to answer on time or your discovery is full of errors, the plaintiff will be awarded with a summary judgment by the court.

The fact is, if you know what to do, it is very easy to overcome any obstacle, including possible lawsuit from a creditor. You can start by reviewing your state's court rules and note what you can and what you cannot do during the proceedings as well as purchasing a document that can help you fight all debt claims without hiring a lawyer to represent you in court.

Credit Card Lawsuit Defense: Fight For Your Rights and Win

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Hounded by junk debt buyer for old, unpaid card debts? If you got served and possibly facing a lawsuit in a few weeks, you need to know all the right credit card lawsuit defense you can use in order to win your case otherwise, you stand to pay not only for the alleged debt but also the junk debt buyer's legal fees!

Now, a great credit card lawsuit defense can be used by simply checking the Statute of Limitation to old card debt in your state. If the debt is outside the statute of your state, then this is an open and shut case for you. Junk debt buyers cannot collect out of statute debts. If such is the case for you, make sure you raise this on your credit card lawsuit defense.

If you are absolutely sure that your old card debt is time-barred, you need to present evidence. Start by checking for the last check you made to the original creditor. If you made that payment via the internet, you can access old statements. You can also check your credit report to check the last date of payment. You can use the statutes of limitation credit card lawsuit defense as an Affirmative Defense and get answers from the plaintiff during the Discovery phase of the lawsuit.

Another notable credit card lawsuit defense is the validation of debt. It is within your rights to demand the junk debt buyer to PROVE you own the debt in question. The good news is, once the original creditor closed toe book on old, charged off accounts, even the buyer of said accounts do not have access to any documents, like credit card statements, original signed contract, cardholders agreement, etc., they will not be able to pin the debt on you easily. Instead, the junk debt buyers will rely on a sloppy affidavit signed by their own employees that won't hold substance in court.

Knowing if the debt you are being sued for is time-barred is one of the first things you need to check when defending yourself in court. Your creditor is assuming you don't know a thing about Statutes of Limitation in your area so don't be a sitting duck!

Beef up your credit card lawsuit defense, start by doing your own research and finding out where you can get the most valuable information you can use to have your case dismissed.

Credit Card Lawsuit: To Dismiss With or Without Prejudice

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If say, the plaintiff failed to comply with a certain court rule, what happens? What step should you take to let the credit card lawsuit progress? The next step is to file a Motion to Dismiss against the creditor for not complying with court rules.

When involved in a credit card lawsuit and you file your first Motion to Dismiss against the creditor for failure to comply with a court rule note that plaintiff is given at least 30 days to amend the original complaint to comply with the court rule with the said rule they did not comply with. Filing a motion to dismiss a case is not readily granted unless the court sees enough reason to do so. So don't expect the case to easily be dismissed with prejudice because regardless, creditors are given time to amend the complaint.

Without prejudice means that creditors can re-sue a lawsuit for the same debt. To do this, creditors just need to Amend their complaint to comply with court rules and the credit card lawsuit will proceed. On the other hand, prejudice means your credit can no longer sue you again for the same debt. Basically, when a case is dismissed with prejudice, the court battle is OVER, you WON the case and your creditor CANNOT file a credit card lawsuit for the same debt ever again.

Here's a better motion. You can ask the court to order the plaintiff to comply with the court rule by amending their complaints within the 30 day period and if they failed to comply, ask for dismissal WITH prejudice. This strategy will give the plaintiff 34 days to amend the complaint and comply with court rules, which they are entitled to anyway, and WIN your case if they don't comply. This will force the creditor to comply otherwise, they are done for.

The bottom line is, if you ask for dismissal without prejudice, what's stopping your creditor from re-filing the credit card lawsuit? This is just one of the many important things you need to consider when you face a credit card lawsuit. For more tips on how to fight debt claims and win your case without the hefty legal costs, review your own state's court rules and while you're at it, look for valuable information online and offline. This way, you can defend yourself in court without even hiring an attorney and paying thousands of dollars on legal costs.

Sued By Credit Card Company: Answering and Sending Your Own Request for Admissions

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Faced by legal problems for unpaid card debt? Sued by your credit card company? This can be quite a trying experience but it's not the best time to panic. It's important to create your own Answer as well as send your Request for Admissions to the plaintiff once you received a summons.

Here's how to do it:

When sued by credit card company, it's best to start crafting your Answers and Request for Admissions. Request for Admissions is essentially written statements, which you will prepare and serve, to the plaintiff to secure your creditor's admission that the facts or that the documents are accurate and genuine.

Note that Request for Admissions are not meant to Discover any information but to make things easier on you once the legal proceedings begin. Consequently, if you do not send over your Answer, you will make it easier for your creditor to win the case against you.

When you are sued by credit card company, your creditor will likely use leading or trick questions to mess up the Discovery process, thus succeeding in their case. Do not fall for these cheap tricks. You need to make sure you read and re-read every question and understand them thoroughly and then answer these questions with caution! One false move and the plaintiff will go after you.

If you do not know how to answer your Request for Admission, you have three choices: you can conduct your own research online, seek the help of an attorney who will guide you as you draft your Answer or purchase an eBook guide that will help you defend yourself in court without hiring an attorney.

When getting sued by credit card company, it's important to remember this: Requests for Admissions are used to get you to admit a fact is true and then use this fact as evidence to the court. Once a plaintiff gets you to admit a fact, you will likely lose your case because you don't know how to handle your defense.

At this phase, you cannot afford to fall on trick questions because that is exactly what the plaintiff is counting on. So always keep yourself informed, review your state's local court laws and get your hands on useful guides that will build your case and improve your own defense. This is the surefire way to defend yourself in court Pro Se and have your creditor drop the lawsuit.

Credit Card Lawsuit Information: Explaining The Plaintiff

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If you are facing a credit card lawsuit for the first time, chances are, you have very little to go on in terms of defending yourself. In this article, we will discuss basic credit card lawsuit information and getting to know the plaintiff.

Now, if you got served a summons by the court, you need to read the Complaint and the summons thoroughly because they contain all the answers you need to know about how you can answer the summons correctly. From the documents, you will also discover how much time you have to file your answer. If you did not answer the Complaint within the given timeframe or you ignored the summons completely, your credit card company or collection agency will win the credit card lawsuit through a default judgment.

From the Complaint, you will see the Plaintiff's name and the defendant's name. The plaintiff is essentially the junk debt buyer, the original creditor or a collection agency while the defendant is you.

The plaintiff is the one who filed the credit card lawsuit and is seeking compensation for the damages. Those damages are Money damages and should be indicated on the complaint document that alongside the summons. Therefore, to determine how much money you need to pay up once you lost the case, you will need to check the court ordered summons as well as the accompanying documents.

The plaintiff filed the credit card lawsuit because either you failed to respond to their collection calls or you failed to answer their collection letter, including failure to send a debt validation letter. On the last paragraph of the complaint that starts off with "Wherefore" and within that paragraph, the amount of money the plaintiff wants you to pay will be indicated.

These are just some of the basic information you need to check when you are facing a credit card lawsuit. You need to get as much information as you can if you plan to represent yourself in court. The first thing you need to do when you got served with a summons is to check your state's local court rules to determine whether or not you have to file an Answer to the summons and complaint immediate. In some cases, filing an immediate Answer to the summons and complaints is not the best move. If you are required to answer the summons right away, do so in a type-written and legal format to void the documents from being sent back to you.

Credit Card Lawsuit Defense Facts

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It is critical to build your credit card lawsuit defense once you receive a court-ordered summons from your creditor. However, do note that getting the summons from the original creditor or a junk debt buyer makes a difference. If you are sued by the original creditor, chances are, they still have all the necessary documents that ties you with the charged off account they want to collect from. But creditors always go for little victories, like a settlement offer, to move on to the next debtor. On the other hand, junk debt buyers do not have the necessary documents they can use against you, a fact that is critical to your own credit card lawsuit defense.

Another factor to remember when facing possible lawsuit from a creditor is the statutes of limitation in your state. If the debt is several years old, the harder it is for creditors to prove the debt's ownership.

Many times, creditors' attorneys think that debtors will ignore the court summons and bagging an easy with through default judgment. If such is the case, it is important to draft an Answer within the given time period otherwise, you will lose the case! Creditors and their lawyers will conveniently leave out the fact that you are only given several days to answer the summons (20 days in most states) or else, default judgment is ruled in favor of the creditor! If you are planning to ignore the summons, you might as well write your creditor a check, it'll be much cheaper.

It might seem challenging, representing yourself in court and building your credit card lawsuit defense on your own but this is not the case at all. The whole thing will pay out through a series of written requests, motions and paperwork. It's just a matter of knowing what you need to do and get a-hold of important sample letters that are legally formatted.

Take the first step towards effective credit card lawsuit defense by drafting your Answer. It will send out a clear message to your creditor "I will not take this sitting down, I will fight for my rights". In some cases, something as simple as filing an Answer to the summons is enough for creditors to drop the suit all together. So what are you waiting for? Get as much information as you can about credit card lawsuit defense and you are well on your way to victory.

Credit Card Lawsuit: Dealing With Junk Debt Buyer's Admission Request Lawsuit

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During the discovery phase of a credit card lawsuit, you are bound to receive a series of questions you need to answer, including Request for Admissions, a set of statements that the plaintiff will ask you to either Admit or Deny. Just like Interrogatories and Request for Documents, you are given a certain amount of time to answer them otherwise; your creditor will win the credit card lawsuit by default judgment so make sure you submit the necessary response within the given time frame!

Your creditor expects you to not answer the Request for Admissions on time! If you failed to answer on time, the creditor will file for Motion to Deem Admissions Admitted, meaning you automatically admit to all allegations set by your creditor! But this works both ways, if your creditor did not answer the Request of Admit Facts on time, you too can file a Motion to Deem Admissions Admitted.

If say, you did not sent your Request for Admission on time and your creditor filed a Motion to Deem Admission Admitted and the motion is granted, the creditor will win the credit card lawsuit. Even if you are late, you can still file the documents, state your reason for the late filing, and pray that the court will give you more time to finish the Request for Admission.

It's important that you check with your state's local court rules to determine how much time you have to answer any documents and draft an answer as soon as you receive any documents that requires it or else, you will lose the credit card lawsuit and pay for all debt amount, including interest, penalty chargers and your creditor's legal fees!

Dealing with a junk debt buyer, as opposed to the original credit card company, can be a slippery slope because junk debt buyers will try to use the same Admissions to all debtors under and most of these questions do not have anything to do with the case at all. These questions are often sloppy, then don't make sense and junk debt buyers do not even care to correct them.

The good news is, as long as you are two steps ahead of these slime balls, you can win the credit card lawsuit. It all starts with giving the right answer ON TIME. This will ensure you that the other party will never win the credit card lawsuit by default.