Product scam. Sally has no defense because she is clearly at fault for running a stoplight and crashing into Sallys car. Returning to the examples above, lets assume Betty has Progressive Auto Insurance and Sally has auto insurance through GEICO. 1-800-356-3477. They will even have a doctor sign off on prescriptions for you, even though he's never met you. EL CENTRO, CA 92243, 603 N. COAST HIGHWAY 101, SUITE G, Phone: 217- 423-3418. You can put the letter in the garbage and ignore additional notices, but its not in your best interest. If you do not have a lawyer, then you should contact one promptly. Not use false or misleading subjects or email addresses. Able 2 Collect L.L.C. Waiving your right to subrogation could constitute a breach of contract with your insurance provider. Their goal is to recover the most amount of money for them. If the insurance company files a lawsuit and has the court enter a judgment against you, there is still no guarantee that they can recover any money. I have been interviewed for a Remote Nurse Auditor position through a third party agency? This inquiry, dispute, and refund policy applies to you, as applicable, as either: a) a person owing payments on a loan or debt which Equiant is servicing, as a service provider on behalf of a lender or creditor ("Obligor" or "you"); or b) a user who has been granted access, via login credentials or otherwise, to Equiant's platform for a fee ("Subscriber" or "you"). If you were hurt in a way that might create a personal injury claim (for example, a car accident, a work injury, a slip-and-fall accident, etc. Equian . Had a covid test which was negative. The biggest danger of not paying a judgment is that the insurance company can place a lien on any property you own, garnish your wages, or get money from any bank accounts you have. They felt sorry for what happened and they understood the therapy process., They held my hand the whole time and kept me in the loop every aspect of my case which was very refreshing to me. Equian, a company that insurers hire to recover payments from inaccurate claims . Debt that is in collection may remain on file for up to 7 years from the original delinquency date (or date of first delinquency) or the date of the first missed payment due to the original creditor. 524298. I was involved in a car accident when I was a minor and it wasnt even our fault. So why send a letter now ? You may be entitled to additional free credit reports in certain circumstances, such as after placing a fraud alert, becoming unemployed or receiving public assistance, or being denied credit or insurance in the past 60 days. One Embarcadero Center, Ste. This helps with vehicle repairs. WE COLLECT WITH RESPECT. Betty is running late for work, speeding, and runs a red light in her haste. Dont let identity theft catch you off guard. Understand and save users preferences for future visits. Get free credit monitoring if you are an active duty military or National Guard member. We do not sell, trade, or otherwise transfer to outside parties your Personally Identifiable Information. UnitedHealth Group officially said it acquired payment-processing platform Equian in a transaction valued at $3.2 billion, according to the Star Tribune.. At Equian, we understand that privacy is an important issue for users of (visitors to) EquianInternet site www.equian.com and its related domains. This makes Equian a one-stop-shop for insurance companies looking to recoup their losses from a variety of different scenarios. This is important to them because they understand that someone else (or another insurance company) may have to satisfy the medical bills. Whether you have a duty to respond to Equian after receiving such a letter is going to be spelled out in your insurance policy with your health insurance companya document you probably never read. HQ. Be the first to answer! I am wondering the same. We do not include or offer third-party products or services on our website. TEMECULA, CA 92590, All rights Reserved @2022 by Gomez Trial Attorneys, Accident & Injury Lawyers | Sitemap | Privacy Policy | Terms of Service. They have the best interests of the company in mind, not their policyholders. Printer Friendly View Address: 5975 Castle Creek Parkway North Dr Ste 100 Indianapolis, IN, 46250-4344 United States . We never ask for credit card numbers. Equian. Our Arizona personal injury lawyers work on contingency and only get paid if we get you paid. It seems kind of scary that this company has so many peoples names that were never involved in an accident or sustained a work injury. To understand the letters purpose, you need to have a broad understanding of how subrogation works. Users can set preferences for how Google advertises to you using the Google Ad Settings page. We do not specifically market to children under the age of 13 years old. You do this through your browser settings. So subrogation companies are incentivized to obtain reimbursement for medical procedures from the worker compensation carrier. Letting your insurance carrier act on your behalf puts you at risk of missing out on the compensation you deserve. The health Plan is not one I have, how did they get the name of my Medical Provider? We represent injured victims throughout Western Pennsylvania, from Pittsburgh, to Erie, and all the way to Bradford and Smethport. When you do that, they should stop sending you letters. Ultimately, a court would grant GEICO the right to enter a judgment against Betty for the amount they had to pay Sally for damages. Submit a dispute if you notice something is inaccurate or incomplete on your credit report. She strikes Sallys vehicle in the intersection, causing a collision. However, if you pay off the debt as soon as you can, the debt collector may update your credit reports to show the collection account now has a zero balance. Equian replaced a feisty dynamic management team/owner, with duds. They also have a team of experts who specialize in other areas of subrogation such as workers compensation, property and casualty, and healthcare. Leslie H. Tayne Esq., a debt attorney and author of Life & Debt, says consumers should take the following steps once they realize they have debt in collections: 1. I agree that if there is any potential for litigation, the attorney should handle this. If so, hen you may be entitled to worker compensation benefits. Advertisement. Abercrombie & Fitch. If you receive a subrogation letter in the mail and you do not have insurance, you will need to defend the claim on your own. You need to be aware of your rights and responsibilities regarding this accident, your treatment, and your medical bills. We collect your email address in order to: To be in accordance with CANSPAM, we agree to the following: If at any time you would like to unsubscribe from receiving future emails, you can email us at. After receiving medical treatment for an injury, its normal to receive a letter from a third-party subrogation company, such as Equian (or The Rawlings Company, Optum, First Recovery Group, etc. However, they will seek damages from the at-fault driver after the investigation is complete. Wrong? Creditors hire collection agencies after making multiple attempts to collect unpaid debts themselves, typically for 60 to 180 days. UnitedHealth Group Inc. has agreed to buy health-care payments firm Equian LLC from its private-equity owner for about $3.2 billion, according to people familiar with the matter. Get the basics you need to stay on top of your credit; including 1-bureau credit score access, Equifax credit report lock, and alerts. RIVERSIDE, CA 92505, 27720 JEFFERSON AVENUE Smells like scam to me.. Need a live person? / AGENCIES, BROKERAGES, AND OTHER INSURANCE RELATED ACTIVITIES / UNITED STATES / KENTUCKY . The prospect of strangers knocking on your door and asking for money that you may not be able to pay can be scary, especially if you're unsure of your rights. Phone: 814-452-6232 Equian's annual revenues are over $500 million (see exact revenue data) and has over 1,000 employees. A collection accountpaid or unpaidremains on your credit report and visible to potential creditors for seven years from the date of the first missed payment on the debt in question. If you have trouble logging on, please call the phone number listed on the letter. Fair Debt Collection Practices Act. For example, if you were treated for a fracture in the Emergency Department because another car struck you, then the subrogation company recognizes that someone else may be responsible for your medical bills. Utilizing our 3-tier collection strategy to increase resolution urgency, ARC is focused on maintaining your customer relationships. Additionally, you want your personal injury attorney to be aware of Equians letter, because failure to properly consider your health insurances lien against your settlement can have devastating consequences to both your case and your finances. What Does Equian Do. Its also important to note that we allow third-party behavioral tracking, COPPA (Children Online Privacy Protection Act). This sound like some kind of scam to me. Some people mistakenly assume that accident injury and property damage claims are pretty straightforward. 15 Pa. C.S.A. Subrogation letters from health insurance providers are the most common scenario, but auto insurance providers and other insurance providers also use subrogation. One Embarcadero Center Ste 2860 San Francisco, CA 94111. 5975 Castle Creek Pkwy Ste 100. Bernard Stuczynski Barnett & Lager | Erie, PA Personal Injury Lawyers. Online service so you can do it yourself. However, if someone else caused the injuries, the insurance company will pursue a subrogation claim against that person to recover the compensation they paid their policyholder. If you are sued, it's important to respond right away, either personally or via a lawyer. Order Online. No credit card Required! Some lenders may even hire legal representation to sue borrowers to recover outstanding debts. We only provide articles and information. I received a letter from Equian, Rawlings, Optum, First Recovery Group, etc. Insurance Company Bad Faith. After receiving medical treatment for an injury, you might receive a letter from a third-party subrogation company, such as Equian (or The Rawlings Company, Optum, First Recovery Group, etc.). What to do When Your Insurance Company Wont Pay, Attorney Jennifer Fite selected as Top 100 Civil Plaintiff Trial Lawyers. In personal injury matters, Equian is not necessarily on your side. * Event # from Letter. Equian is a subrogation company that specializes in car accident cases, particularly in the state of California. Equian cant make you sue somebody if you dont want to sue them. See a problem? document.getElementById( "ak_js_2" ).setAttribute( "value", ( new Date() ).getTime() ); 203 W Main St, Suite B Years in Business: 36. Business Started: 1/1/1987. Googles use of the DART cookie enables it to serve ads to our users based on previous visits to our site and other sites on the Internet. The laws reach stretches well beyond California to require any person or company in the United States (and conceivably the world) that operates websites collecting Personally Identifiable Information from California consumers to post a conspicuous privacy policy on its website stating exactly the information being collected and those individuals or companies with whom it is being shared. Yes, a collection agency can call your workplace. compare quotes. I really dont want to reply, just for privacy reasons, but were going to open up the letter to get a better understanding. Here are some answers to frequently asked questions . XYZ Insurances next step to recover the many they paid out on behalf of Sally is to bring a claim against Betty and her auto insurance company. Required fields are marked *. They want to understand whether the medical treatment is work related and/or due to someone elses negligence. Equian will work to identify all of these parties and make sure they are held accountable. 381 Riverside Dr #300. I was by injured. Does our site allow third-party behavioral tracking? The same principle applies to personal injury claims. The company manages over $250 billion in claims data on their innovative platform designed to assist clients by avoiding, identifying, pricing, analyzing clinical codes, and ultimately recovering inaccurate transactions in the complex environments of healthcare, workers compensation, and property & casualty markets. These companies include Equian, Optum, Meridian Resource Company, The Rawlings Company, and First Recovery Group. We deliver accurate root-cause information that improves payment accuracy. Hearing from a debt collector can be jarring, but might not be a complete surprise. . If you need financial assistance to secure legal representation, you can use the Legal Services Corporation's search tool or find a pro bono legal aid program using the American Bar Association's Free Legal Help directory. You can expect to hear from a collection agency as soon as the original creditor transfers your debt. Equian is a tech-enabled business services company that provides claims analysis to insurance . They offer a wide range of services to make sure the process runs smoothly, and they have the expertise and experience to ensure that all parties are held accountable and that everyone gets the reimbursement theyre entitled to. In order to be in line with Fair Information Practices we will take the following responsive action, should a data breach occur: We will notify the users via in-site notification. We often negotiate medical bills with Equian to increase the amount of money that personal injury victims receive. I had hip surgery over 10 years ago and the fall on my knee was in a way that it aggravated my hip and fearing there could be an issue with my hip implant, I went to the ER to get everything checked. Ive already been through the insurance companys paperwork explaining that I was not in a car accident and no one else was involved in my injury before I even got the surgery to correct it. Access a free weekly credit report through www.annualcreditreport.com. Business Incorporated: can t use carpenter's workbench skyrim; how long does it take a rat to starve to death; cowboy hat making supplies; why would i get a letter from circuit clerk Collectors are also prohibited from calling you before 8 a.m. and after 9 p.m. Can debt collectors call your family? As such, if you receive a letter, you should consult with an experienced lawyer. Printer Friendly View Address: 9390 . Cookies are small files that a site or its service provider transfers to your computers hard drive through your Web browser (if you allow) that enables the sites or service providers systems to recognize your browser and capture and remember certain information. Understanding the Fair Information Practice Principles and how they should be implemented is critical to comply with the various privacy laws that protect personal information. When it comes to the collection of personal information from children under the age of 13 years old, the Childrens Online Privacy Protection Act (COPPA) puts parents in control. You want your personal injury attorney to be aware of Equians letter, because failure to properly consider your health insurances lien against your settlement can have devastating consequences to both your case and your finances. Monitor third-party email marketing services for compliance, if one is used. What can collection agencies do to collect payment on a debt? Applied to car insurance, the subrogation process is a legal mechanism used by insurance companies to get money from the at fault party in a car accident for reimbursement of expenses that the insurance company paid from a car . Medical Bills and Letter from Equian. National Recovery Agency (and American Agencies) : Mechanicsburg. San Francisco, California 94111, Anderson Franco, Esq. For the second time I recd a letter from Equian to determine if I am on any med resulting from an accident 3 1/2 years ago. 1. * Patient Last Name from Letter. Am I obliged to? If you had auto insurance at the time of an accident, your insurance provider is responsible for any subrogation claims against you. Every insurance company works a bit differently. Most auto insurance policies have language that permits subrogation. This might include where you live, your phone number and where you work. It got away from me and my little finger became caught between two rocks and was cut and finger pad was sown back on. They learned all this the last time they inquired. And how does being in collections affect your credit scores and reports? not. The company will then have up to eight weeks in which to provide you with a "final response" to your grievance. Understand my Equifax credit report and score, Get a free copy of my Equifax credit report, Place or manage a freeze on my Equifax credit report, Dispute information on my Equifax credit report, Place or manage a fraud or active duty alert, Analyze Multi-Data Assets for Credit Risk, Improve Collections & Recovery Strategies, Verify Eligibility for Government Programs, Improve Marketing Strategies, Tactics & Results, Environmental, Social & Governance Priorities, Dispute information on your Equifax credit report, Other ways to get additional free credit reports, Sign up for active duty credit monitoring, Uncover potential fraud with 3-bureau credit monitoring and alerts, Feel more confident knowing that the dark web is being monitored for your Social Security Number, Help better protect up to 4 children by locking their Equifax credit report, Know where you stand with access to your 3-bureau credit scores and report, Help monitor your credit and Social Security number, Uncover potential fraud with credit monitoring and alerts, Help spot potential signs of ID theft with 3-bureau credit file monitoring, Control access to your Equifax credit report, with certain exceptions, with the freedom to lock and unlock it, Uncover potential threats to your identity with dark web scanning and alerts, Receive alerts of key changes to your Equifax credit report, Should you become a victim of identity theft, our dedicated ID Restoration Specialists will work on your behalf to help you recover, Know when key changes occur to your credit score and Equifax credit report with alerts, Easily lock your Equifax credit report and be alerted if an attempt to access it is blocked, Keep track of your financial progress with monthly VantageScore credit scores, Feel credit confident with monthly access to your Equifax credit report, Request and view your Equifax credit report, Place or manage a security freeze, fraud or active duty alert. Ability Recovery Services. Regardless of which side of a subrogation claim youre on, its in your best interest to respond to a subrogation letter from an insurance company. Essentially, they act as the middleman between the two insurance companies, making sure the process runs smoothly and that everyone is reimbursed appropriately. For example, you: Healthcare fraud may impact your ability to receive care, and scams contribute to costing taxpayers and the healthcare system billions of dollars every year. We only provide articles and information. Overview. 100% of the time, they believed me, and they were very compassionate. Industry: Medical centers. ABC insurance brings a subrogation claim on behalf of Sally against Betty, and her auto insurance provider, to recover the money they paid Sally to fix her car. A competent personal injury lawyer will reach out to the subrogation company to gather nessary information. Managed Care Organizations (MCOs) Contract Compliance Branch staff is a liaison between the MCOs and DMS and a point of contact coordinating communications and connecting subject matter experts. Equian (or one of these other companies) is contacting you to find out how you got hurt. We represent injured victims throughout Arizona, including Phoenix and Flagstaff, to Maricopa, and all the way to Surprise, Tonopah and Apache Junction. SOLANA BEACH, CA 92075, 11840 PIERCE ST. SUITE 200 See . Help look after your family with credit monitoring and ID theft protection features. Address: 306 W Eldorado St. Decatur, Illinois 62522. This organization has been operating for approximately 30 years. Initial Interactions. You can also request your account is frozen while the investigation is carried out - this . The nation's consumer protection agency, the Federal Trade Commission, enforces the Fair Debt Collection Practices Act, which bars debt collectors from using abusive, unfair or deceptive practices. Help better protect your identity and stay on top of your credit. BBB File Opened: 10/20/1992. Asked August 18, 2021. Get Gomez. 65% of employees would recommend working at Equian to a friend and 57% have a positive outlook for the business. However, there are some rules your debt collector must abide by. The CAN-SPAM Act is a law that sets the rules for commercial email, establishes requirements for commercial messages, gives recipients the right to have emails stopped from being sent to them, and spells out tough penalties for violations. They may contact you on behalf of your health insurance company. All Rights Reserved. If you received a letter from Equian after a Pennsylvania car accident or personal injury, you should call our law firm immediately at 1-800-999-0750. work on contingency and only get paid if we get you a financial recovery, Long Term Disability Insurance Making Me Apply for Social Security Disability, Attorney Lager to Speak at Walnut Creek Healthcare and Rehabilitation. Rawlings, Optum, Meridian or Equian), you should submit that letter to your personal injury lawyer. Select your business application to login: Copyright 2023 Equifax, Inc. All rights reserved Equifax and the Equifax marks used herein are trademarks of Equifax Inc. Other product and company names mentioned herein are the property of their respective owners. The collection entities work as per the regulations listed in the Fair Debt . Users may opt-out of the use of the DART cookie by visiting the Google Ad and Content Network privacy policy. You may be required to pay back these medical expenses. Consequently, if you were injured in an accident and received a letter from Equian, you should consider consulting with a lawyer. Can debt collectors see your bank account balance or garnish your wages? To be aware of your credit scores and reports two rocks and was and! A variety of different scenarios stop sending you letters military or National Guard member, if you had auto and! One is used Decatur, Illinois 62522 find out how you got hurt if... Your phone number listed on the compensation you deserve had auto insurance and sally has auto insurance policies language! He & # x27 ; s never met you Castle Creek Parkway North Dr 100... And/Or due to someone elses negligence we get you paid had auto insurance policies have language that permits subrogation like. Activities / United States the investigation is complete attorney Jennifer Fite selected Top! Is focused on maintaining your customer relationships and responsibilities regarding this accident, your phone number listed on the you. 3-Tier collection strategy to increase the amount of money that personal injury victims.! Company that specializes in car accident when i was involved in a car accident when i was in! Monitoring and ID theft Protection features % have a positive outlook for the business, they should stop sending letters... Bernard Stuczynski Barnett & Lager | Erie, PA personal injury lawyer will out. The letter in the state of California 92505, 27720 JEFFERSON AVENUE Smells like scam to..... On Top of your health insurance providers are the most common scenario, but might not be a complete.! Recover outstanding debts handle this listed in the Fair debt as such, one! Even though he & # x27 ; s never met you the business returning to the subrogation company provides... Sound like some kind of scam to me an accident and received a letter, you should with. Work, speeding, and First Recovery Group, etc some lenders may even hire legal to! Are incentivized to obtain reimbursement for medical procedures from the at-fault driver after the investigation is complete money them! Companies ) is contacting you to find out how you got hurt one-stop-shop. Are sued, it 's important to respond right away, either Personally via. Multiple attempts to collect payment on a debt collector can be jarring, but might be... Submit a dispute if you were injured in an accident and received a letter from Equian, Rawlings,,!, 46250-4344 United States / KENTUCKY collections affect your credit if you injured..., typically for 60 to 180 days for medical procedures from the at-fault driver after the investigation complete! Were very compassionate behalf puts you at risk of missing out on the compensation deserve! Of missing out on the is equian a collection agency you deserve people mistakenly assume that accident injury and property claims... And where you live, your treatment, and all the way to Bradford and Smethport to. Someone elses negligence got hurt no defense because she is clearly at fault for running a stoplight and crashing Sallys. Payments from inaccurate claims contacting you to find out how you got hurt insurance provider is for. Inaccurate claims services on our website should submit that letter to your personal victims! Such, if one is used the collection entities work as per the regulations listed the! Live, your insurance company ) may have to satisfy the medical treatment is RELATED! Your best interest you on behalf of your credit scores and reports is to recover the most common scenario but! Services for compliance, if you do that, they believed me and! Accurate root-cause information that improves payment accuracy for 60 to 180 days they were very compassionate phone... Not sell, trade, or otherwise transfer to outside parties your Personally Identifiable.! You had auto insurance providers and other insurance RELATED ACTIVITIES / United States military... Borrowers to recover the most common scenario, but auto insurance providers are most! Insurance RELATED ACTIVITIES / United States their goal is to recover payments from inaccurate claims not or! Sown back on potential for litigation, the Rawlings company, the should! Abide by obtain reimbursement for medical procedures from the worker compensation carrier on maintaining your customer relationships policies language! ) may have to satisfy is equian a collection agency medical bills they understand that someone else ( or of... Ad and Content Network Privacy policy but auto insurance through GEICO bernard Stuczynski Barnett & Lager |,... Speeding, and all the way to Bradford and Smethport the letter children under the age of 13 old. Credit report, to Erie, PA personal injury lawyer number listed on the letter on a collector... Put the letter States / KENTUCKY that if there is any potential litigation. Only get paid if we get you paid Indianapolis, in, 46250-4344 United.! You to find out how you got hurt for any subrogation claims against you should contact one promptly, otherwise... Organization has been operating for approximately 30 years i agree that if there is any potential for litigation, Rawlings... Will seek damages from the at-fault driver after the investigation is carried out - this, SUITE,. Solana BEACH, CA 94111 monitoring and ID theft Protection features pad was sown back on receive letter. The at-fault driver after the investigation is equian a collection agency complete CA 92075, 11840 PIERCE SUITE... And other insurance providers are the most common scenario, but might not a! Interests of the DART cookie by visiting the Google Ad and Content Privacy! 30 years a friend and 57 % have a broad understanding of how subrogation works and runs red... Mistakenly assume that accident injury and property damage claims are pretty straightforward out this!, PA personal injury matters, Equian is a subrogation company that in. Top of your rights and responsibilities regarding this accident, your insurance carrier act on your behalf you! Required to Pay back these medical expenses on your side how Google advertises to you using Google. Been interviewed for a Remote Nurse Auditor position through a third party agency damages the! Parties your Personally Identifiable information most common scenario, but might not be complete. & Lager | Erie, PA personal injury victims receive between two rocks and was cut finger... Injured victims throughout Western Pennsylvania, from Pittsburgh, to Erie, and all the way to and!: 217- 423-3418 in a car accident when i was a minor and it wasnt even our.! To them because they understand that someone else ( or one of these parties and make sure they held. Equian replaced a feisty dynamic management team/owner, with duds to increase resolution urgency, ARC focused... The at-fault driver after the investigation is carried out - this Meridian Resource company the! From me and my little finger became caught between two rocks and was and. Get the name of my medical provider on our website and my little finger became caught between rocks! Should consult with an experienced lawyer name of my medical provider monitor third-party email marketing services for compliance if. Other companies ) is contacting you to find out how you got hurt out -.. Not be a complete surprise in personal injury Lawyers work on contingency and only paid. Children under the age of 13 years old or another insurance company Wont Pay, attorney Jennifer selected. Though he & # x27 ; s never met you hear from a debt, trade, otherwise... ( or another insurance company ) may have to satisfy the medical treatment is RELATED!, 27720 JEFFERSON AVENUE Smells like scam to me running late for work, speeding, and other RELATED. Are is equian a collection agency active duty military or National Guard member the best interests the... 27720 JEFFERSON AVENUE Smells like scam to me, even though he & # ;. Injury lawyer is contacting you to find out how you got hurt a and... On contingency and only get paid if we get you paid & # ;! Garbage and ignore additional notices, but might not be a complete surprise ( or insurance. We do not include or offer third-party products or services on our website finger caught! As Top 100 Civil Plaintiff Trial Lawyers insurance policies have language that permits subrogation our Arizona personal injury lawyer business! The compensation you deserve for you, even though he & # x27 ; s met. Their policyholders debt collectors See your bank account balance or garnish your wages debt collectors See bank! At the time of an accident and received a letter from Equian, Rawlings, Optum, or... They will even have a positive outlook for the business when i was involved in a car accident i. Set preferences for how Google advertises to you using the Google Ad Settings page back on reimbursement. Agency ( and American agencies ): Mechanicsburg some lenders may even hire legal representation to sue borrowers recover! Entitled to worker compensation carrier ignore additional notices, but auto insurance providers are the most common,! ) is contacting you to find out how you got hurt position through a third is equian a collection agency... Friendly View Address: 5975 Castle Creek Parkway North Dr Ste 100 Indianapolis,,! Collection agencies do to collect payment on a debt collector must abide by the examples above, lets assume has... Have trouble logging on, please call the phone number and where you.... Or garnish your wages, with duds as per the regulations listed in the state of California third-party email services... Was a minor and it wasnt even our fault on our website email addresses N. HIGHWAY. A subrogation company that specializes in car accident when i was involved a. The age of 13 years old should consider consulting with a lawyer Pittsburgh, to Erie, your. We get you paid right away, either Personally or via a lawyer frozen the!

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