What is most surprising is the
complete lack of emotion here, the
lack of anything to really feel, this is ostensibly a heart - breaking album dealing with the loss
of a loved one, and yet there is no feeling, no passion, no
effort to actually channel that pain into catharsis, into something worth listening to.
comiXology also received credit for its
efforts to support brick - and - mortar retailers via pull lists and an in - app locator to «Buy in Print», in contrast to Diamond Comic Distributors»
complete lack of innovation to connect their brick - and - mortar partners to a digital opportunity.
The primary consumer protection problem areas that have given rise to the States» actions include: (1) unsubstantiated claims
of consumer savings; (2) deceptive representations about the length
of time necessary to
complete a debt relief program; (3) misleading or failing to adequately inform consumers that they will be subject to continued collection
efforts, including lawsuits, and that their account balances will increase due to extended nonpayment under the program; (4) deceptive disparagement
of consumer credit counseling; (5) deceptive disparagement
of bankruptcy as an alternative for debtors; (6)
lack of screening and analysis to determine suitability
of debt relief programs for individual debtors; (7) the collection
of substantial up - front fees so the debt relief company gains even if it fails to perform; (8)
lack of transparency and information for consumers as to payment
of fees, status
of accounts, and communications with creditors; (9) significant delays in active negotiation or engagement with creditors, coupled with prohibitions on direct consumer communications with creditors; and (10), in the case
of debt settlement companies, basing savings claims (and settlement fees) not on the original account balance, but on the inflated amount due (including late fees and default rates
of interest) at the time
of settlement.