and through their respective counsel, have agreed to entry
this ModifiedStipulated Final Judgment and Order ("Modified Order")
this Court, without trial oradjudication
fact or law.The parties having requested the Court to enter
it is thereforeORDERED, ADJUDGED, AN1) DECREED as follows:
1. This Court has jurisdiction over Defendants and the subject matter
action.Venue in the District
Massachusetts is proper.2. The complaint, filed on November 12,2003, states a claim upon which relief maybe granted against Defendants under Sections 5(a), 5(m)(1XA), and 13(b)
the FTC Act, 15
45(a), 45(m)(1)(A), and 53(b); the FDCPA, 15 U.S.C.
as amended; theFCRA, 15 U.S.C.
3500.21.3. The activities
Defendants are in or affecting commerce, as "commerce" isdefined
the FTC Act, 15 U.S.C.
thecomplaint or the Motion, and entry
Modified Order is not an admission
wrongdoing or violation
law, Nonetheless, Defendants stipulate and agree toentry
the Modified Order in order to settle and resolve these disputes.5. Since the Stipulated Order was entered, the FTC and Defendants have consultedconcerning implementation
these developments, thecircumstances in this case have changed such that modification
the Stipulated Order is