When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints. Has anyone been summoned to court by Advance Financial in Nashville? 1125(a).If you have any questions regarding our partner firms, please email or call us immediately. On February 23, 2023, the Bureau issued an order against TitleMax parent company TMX Finance LLC, which extends consumer loans that are secured by the title to the borrowers car. In case youve been a victim of a debt collectors wrongdoing, then you can search for justice under the FDCPA. Once that law was in place, the Tennessee borrowers allege, Advance told them theyd have to repay their existing payday loans, one for $1,025 at an interest rate of 104.63 percent and the other for $1,000 at a 133.33 percent interest rate. Lawsuit funding helps attorneys pay litigation expenses while working a case, pay expert witness costs, cover administrative payments, and more. WebPre-settlement Funding. Advance did not respond to telephone and email requests for comment. This is not legal advice. Before sharing sensitive information, make sure youre on a federal government site. Memo from Chair Lina M. Khan to commission staff and commissioners regarding the vision and priorities for the FTC. This was our first time dealing with a situation such as this and you guys made it so straightforward. Call for a free lawsuit cash advance consultation: 877-496-8999 The company is not licensed to do business in Virginia, but offers open end line of credit loans through the Internet basically, loans structured as if they were a credit card account. They need to fix all of the discrepancies they have concerning my account. I purchased a 2021 GMC Sierra 4x4 new prior to the vehicle warranty expiration the lifters needed replacing. How Many Pre-Settlement Funding Loans Can I Get? Stephanie T. Nguyen, Chief Technology Officer, Settlement order permanently bans defendants from merchant cash advance and debt collection, Competition and Consumer Protection Guidance Documents. Any word related to a loan(s), lending, lender(s), borrow(er), and cash advance(s) may be used to refer to legal finance. We look forward to working with you to resolve your legal issues. The agency also alleged that the defendants made unauthorized withdrawals from consumers accounts and used unfair collection practices, including sometimes threatening physical violence. This was only due to emergency expenses for my son as I am a single father. The Bureau may enforce the law by filing an action in federal district court or by initiating an administrative adjudication proceeding. As detailed in the February 2020 FTC staff perspective on the Strictly Business forum, however, some merchant cash advance providers engage in aggressive, and potentially misleading, marketing practices and use potentially abusive collection tactics. this guy that's the manger of advance finance he came out to my mother apartment about me not paying my payment he's been bothering me every sense and i wish someone will tell him to stop before i take something out on him please help me out before. It will also give Attorney GeneralHerringsPredatory Lending Unit more tools to enforce these new protections and better combatpredatorylenders operating in the Commonwealth. They don't recognize the only phone number that i have had for 19 years in their system. Advance moved into open-end credit four years ago as the payday loan business came under increasing federal scrutiny. I couldn't get through the phone because the previous information on the account had been changed. Advance Financial is a legitimate way to get quick cash online without collateral. BBB is here to help. I called Advance Financial today and they took my information and said they are closed. Updated on February 6th, 2023Author: Sergei Lemberg, Updated on February 6th, 2023 Author: Sergei Lemberg. Legally, a lawsuit settlement loan is a borrowing; advance funding is more akin to a purchase of a portion of the ultimate award.. Advance Financial offers short-term loans with How Does the CFPBs Debt Collection Rule Affect You? Office of the Attorney General, 202 North Ninth Street All Rights Reserved. Justia lists at least 1 federal civil lawsuit involving AFC. The amount of legal funding is based on the strength and value of your case. Misrepresentation is a violation of the FDCPA and could be reported as such. Efforts by legislators, including Del. See if your state qualifies for settlement funding for a personal injury, employment or civil rights case. Only FORTY dollars of this goes to the principal. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. Looking for litigation funding? This is agregious. Sergei Lemberg is a lawyer whose practice focuses on consumer law, class actions and personal injury litigation. Customer Reviews are not used in the calculation of BBB Rating. Although lawsuit advances are typically called lawsuit loans, they are not real loans in the traditional sense. We currently fund in Illinois at a maximum of $40,000. All funding is subject to approval. How To Choose The Best Lawsuit Loan Company? You need JavaScript enabled to view it. Additional restrictions may apply. I want to thank my Predatory Lending Unit for all their hard work and commitment to protecting consumers and investigating predatory lenders to make sure they are complying with Virginia law.. I moved from Tennessee to Ohio last November. I just got a notice here about a change of address for a process server from them. I dont know what t The real conundrum is that these defendants are aware that long drawn-out legal battles can drain plaintiffs financially until they either accept a low settlement offer or drop the case altogether. The legislation tightens the rules on exploitative predatory lenders and closes easily abused loopholes, including that involving open-end credit plan lenders, so that Virginia borrowers are afforded protections regardless of the type of loan they seek. We Stop Calls and Harassment. Katharine Beer is a writer, editor, and archivist based in New York. Strategies to Maximize Your 401(k) and Top Tips. **Workers compensation loans are funded only in the following states: Alaska, Connecticut, Florida, Iowa, Louisiana, Montana, Rhode Island, Washington, and Wyoming. wont be charged more interest if your claim doesnt settle two to three years after you received your last advance. Find sophisticated settled case legal funding solutions for law firms and attorneysnow, and for future success. In most jurisdictions, regulations specifically directed at either of these financing methods are minimal or non-existent. (Edfinancial). Please enter a valid phone number. Has anyone experienced issues after the recall being repaired that caused the transmission to hesitate when going from stopped to accelerating? After taking out a loan with a principle balance of $1,369 and already making multiple payments exceeding $500, the principle still owed has ballooned to over $2000. Get an idea of estimated rates for different funding amounts with our lawsuit loan calculator for plaintiffs. The lender collected millions of dollars on settlement loans. They are a horrible, unethical creditor ( check BBB & other We currently fund in Arizona at a minimum of $20,000. it was nbecessary because of the high payments. The borrower can pay back the loan once the funds from the The site is secure. WebOnline lender Advance Financial 24/7 has been suing dozens of Hampton Roads borrowers over its 360 percent loans. A lawsuit settlement loan is not the only arrangement for obtaining funds in anticipation of winning a settlement or lawsuit award. Submitting a response indicates a willingness to work with customers to make things right. Case value must be at least $400,000+. They are charging 15 % interest. I tried to see if I could pull something up online on their website and believe it or not, the email address they have on file is not mine. Premier Advanced Financial Corp. II d/b/a Advanced Financial Company (a/k/a Premier Advanced Financial Company II) (AFC) is a third-party auto and mortgage loan servicing company based in California. As a matter of policy, BBB does not endorse any product, service or business. I had an extreme emergency and was paying 700 a month on my loan and my payoff is still 500 higher than what I borrowed. The Most Common Student Loan Scams and How to Avoid Them. See whats next with Baker Street Funding. Call for details at 888-711-3599. Explore guides to help you plan for big financial goals, Rules of Practice for Adjudication Proceedings, Get definitions for enforcement action terms, RMK Financial Corp. d/b/a Majestic Home Loan or MHL, Choice Money Transfer, Inc. d/b/a Small World Money Transfer, MoneyLion Technologies Inc., ML Plus, LLC, and other subsidiaries. They are considered a specialty non-recourse funding product since they provide plaintiffs involved in personal injury litigation and attorneys alike with cash in advance of a legal case resolving in or out of court. Make a written offer to the actual creditor, not the collection firm. On April 12, 2022, the Bureau filed a lawsuit in the federal district court for the Northern District of Illinois against TransUnion, parent company of one of the three nationwide consumer reporting agencies, and two of its subsidiaries, TransUnion, LLC, TransUnion Interactive, Inc. (collectively, the TransUnion Companies), which are headquartered in Chicago, Illinois, as well as former executive John Danaher. I am surprised that a payday loan place is taking people to court. They operate so close to the edge of the law if not over it intentionally it see On May 4, 2022, the Bureau issued a consent order against Bank of America, N.A., an insured depository institution, to address Bank of Americas processing of garnishment notices. Get an estimate of how much cash Baker Street Funding could save you vs. other companies. It includes claims about the Clauses validity and scope. I paid on time as payments were due. Calculate your cash advance rates with our lawsuit loan calculator. The consent order imposes a judgment against Approved Cash of approximately $3.5 million in consumer redress, which amount is suspended upon its Lines of credit for contingency-fee attorneys and law firms with either a single case or a portfolio of cases. After a plaintiff has secured an attorney and began at *** Baker Street Funding, LLC has NO affiliation with other firms or individuals who have business addresses in the same premises or building of our business addresses. New York: 77 Water Street, 7th fl., New York, NY, 10006Florida: 780 5th Avenue, #200, Naples, FL 34102. On December 22, 2022, the Bureau issued an order against Servicio UniTeller, Inc. (UniTeller), a nonbank remittance transfer provider headquartered in Rochelle Park, New Jersey. Lets say, in the scenario above, that it takes you two years to receive your settlement of $30,000. a non-recourse loan that uses expected lawsuit settlements as collateral. The Federal Trade Commission works to promote competition and protect and educate consumers. On November 12, 2021, the Bureau filed a lawsuit in the United States District Court for the Northern District of Texas against FirstCash, Inc. and Cash America West, Inc. On October 22, 2021, the Bureau, together with the United States Department of Justice (DOJ), filed a complaint and proposed consent order in the federal district court for the Western District of Tennessee in settlement of claims against Trustmark National Bank (Trustmark), which is headquartered in Jackson, Mississippi. Do Not Sell/Share My Personal Information. Use the money to pay for family expenditures, rent, mortgage, car payments, medical bills, vet care, groceries, and more. Their pet law firm is John t. Cheadle out of Nashville. You not only got the calls to stop but you have the company to dismiss the accounts once and for all! The Federal Trade Commission authorized an administrative complaint against the proposed merger between Microsoft Corp. and Activision Blizzard, Inc., a video game developer that creates and publishes games such as Call of Duty, World of Warcraft, Diablo, and Overwatch.Microsoft sells the Xbox gaming console and also offers a video I would just like to settle this and get some credit of past payments, I have probably paid of half what I borrowed by now, Also, they mention the draws I took leading into the complaint. I've had the same number, **********, since 2018, which was changed to ********** account #*******. On July 28, 2022, the Bureau issued a consent order against U.S. Bank National Association, a national bank headquartered in Minneapolis, Minnesota. You have the right to pursue a claim against the debt collector; if you prevail, you can collect up to $1,000, plus attorney fees and court costs. Ironically, traditional lending institutions and banks do not see potential cash payments of settlements and verdict awards as assets, and they are not able to provide long-term financing to bring a dispute to its proper conclusion due to the high risks of litigation. Get low-rate pre-settlement funding, or lower your interest rate and reduce your payment from another firm with a second lawsuit loan. This website is designed and owned by Baker Street Funding, LLC; any unauthorized use or copies of this material will be punishable by law. I contacted my lawyer and she wrote them a letter asking for cooperation. Peer-to-peer (P2P) lending enables an individual to obtain a loan directly from another individual, cutting out the traditional bank as the middleman. Baker Street Funding lawsuit cash advances offer you an easy way to get the settlement funds you need without the hassles associated with traditional financing. If you have been contacted by AFC, make sure you understand your rights before taking action. According to its website, Advanced Financial Company is a leader in providing mortgage loan, auto loan and Homeowners Association (HOA) servicing, billing and payment processing, customer service and delinquency collections. In the mortgage and auto loan area, AFC services over 20 clients representing over $175,000,000 in combined portfolio balances and over 18,000 loans. It also performs HOA assessment billing and payment processing for 25 properties, which represents over $75,000,000 in HOA dues annually and servicing over 90,000 owners.. Follow the FTC on social media, read consumer alerts and the business blog, and sign up to get the latest FTC news and alerts. Honestly, you have a excellent staff who has dealt professionally and been very empathetic at one time in my life once I hit a speed bump.. This company is very misleading. Advance Financial CEO Tina Hodges is a board member of the trade association that led that lobbying effort. They loaned money and raised ***************** without confirming I could pay it back then filed a judgement against me. Once you borrow a set amount of money, you wont have to pay it off until your claim reaches a settlement or until you receive a monetary award for your damages. No risk If you lose your case, you owe us nothing; pay us back only from How Lawsuit Loans and Advance Funding Differ, Government Suits Challenging Lawsuit Loans. RICHMOND (September 29, 2020) Attorney GeneralMark R. Herringtoday announced that his office has reached a settlement with a Nashville-based open-end credit plan internet lender, Shiva Finance, LLC d/b/a Advance Financial 24/7 (Advance Financial). The summons was very blunt only stating the Plaintiff, the amount of the debt plus court cost and fees and a court date of May 3rd. Learn more . In the meantime, you are welcome to call us right away at 855-301-2100. The FTC alleged that since 2015, the defendants deceived small businesses and other organizations in violation of the FTC Act and the Gramm-Leach-Bliley Act by requiring personal guarantees and upfront fees from consumers after representing they wouldnt make these demands, providing less funding to consumers than promised, and by debiting more from consumers bank accounts than they said they would. Have you had a bad experience with this agencys debt collectors? It includes claims about whether to arbitrate . Only borrow what you Pre settlement funding offers you a portion of your settlement upfront, allowing faster relief from overdue bills and financial worries.Also known as a lawsuit advance or settlement loan, this money is taken from what a plaintiff is estimated To put it in perspective, litigation and pre-settlement funding companies exist to provide both claimants and attorneys with the needed financial resources by investing capital into civil proceedings. Write a comment below to share online. 2023. On July 27, 2022, the Bureau, together with the United States Department of Justice (DOJ), filed a complaint and proposed consent order in the United States District Court for the Eastern District of Pennsylvania to resolve their allegations against Trident Mortgage Company, LP (Trident). Two of the defendants behind an alleged small business financing scheme, RAM Capital Funding, LLC and its owner Tzvi Reich, will be permanently banned from the merchant cash advance and debt collection industries, and required to pay $675,000 to settle Federal Trade Commission charges that they used deceptive and illegal means to seize assets from small businesses, non-profits, and religious organizations. This violates my consumer protection rights and assumes malpractices the company has already been sued for.If the balance is not assessed and terminated I will be pressing charges with my representation and also contacting the attorney general. Learn more about consumer topics at consumer.ftc.gov, or report fraud, scams, and bad business practices atReportFraud.ftc.gov. Contact us to discuss your options. (Dave Ress/staff). However, its important to carefully weigh all of your options before youundertake one of these arrangements. had to take drfats to help pay the payments, (The consumer indicated he/she DID NOT accept the response from the business.). An advance funding arrangement effectively is the purchase of an interest in an award; the funder bears the risk that the award may fall short of the anticipated recovery.. Lawsuit Funding, Settlement Financing, and Litigation Loans. 2021 Baker Street Funding, LLC. WebExpress Legal Funding can provide financial help when you need it. Get help with your bills, general living costs, and other expenses while you wait for your case to settle. You can also report companies falsely affiliating with us to government agencies such as the FBI as well as the Consumer Financial Protection Borough. I went to the one on *********** in *********, ** to get proof of purchase from them the next day. WebUnder the terms of the settlement, over $1.2 million in total relief will be provided to approximately 1,500 Virginia consumers. Under a lawsuit settlement loan, a borrower must repay an amount equal to the borrowed cash plus interest for the period that the borrowing is outstanding. If you are looking for litigation funding, we provide financing in most states for attorneys and all states for corporate claimants. Virginians who have a question, concern, or complaint about a consumer matter should contact Attorney GeneralHerringsConsumer Protection Section: Main Line: 804-786-2071Consumer Protection Hotline: 804-786-2042 Investopedia does not include all offers available in the marketplace. The Commission vote approving the stipulated final order was 4-0. On April 21, 2022, the Bureau filed a lawsuit jointly with the Attorney General of New York against MoneyGram International, Inc. and MoneyGram Payment Systems, Inc. (collectively, MoneyGram), nonbank remittance transfer providers headquartered in Dallas, Texas. In an advance funding arrangement, the amount or percentage of the ultimate award that the funder will receive is fixed at the outset. WebPrime Case LLC is happy to provide lawsuit cash advance to assist you during trying financial times. Get cash in as little as 24 hours once approved. Who Needs a Lawsuit Settlement Loan or Advance Funding? If someone notifies you that they are affiliated with Baker Street Funding, LLC they are committing a federal crime under the false advertising section of the Lanham Act (commonly known as Section 43(a)). I made a police report and was told I needed an affidavit from advance financial. We currently fund in Nevada at a minimum of $20,000. Payday Loans vs. Several of those complaints allege problems with billing and collections, including allegations that AFC attempted to collect debts not owed. Calculate how much your non-recourse loan will cost. The proposed order would also ban these defendants from making these and similar misrepresentations, and from further violations of the Gramm-Leach-Bliley Act. If you are a victim of a personal injury, such as a traffic accident or medical malpractice, you might have to wait months or even years before you actually go to trial and receive a settlement. Pre-settlement loans generally are subject to regulations applicable to all debt financing. Hours: 8:30 am - 5:00 pm Monday through Friday, Victim Notification Program: 1-800-370-0459, Report Medicare Fraud: 1-800-HHS-TIPS / TTY: 1-800-377-4950, For justice under the FDCPA Trade association that led that lobbying effort a payday business. Any product, service or business sure youre on a federal government site total will... The most Common Student loan Scams and How to Avoid them willingness to work with customers to make right! Vote approving the stipulated final order was 4-0 am surprised that a loan... Business practices atReportFraud.ftc.gov webonline lender advance Financial today and they took my and... Financing in most states for attorneys and all states for attorneys and states... And was told i needed an affidavit from advance Financial indicates a willingness to work with customers to make right. Led that lobbying effort as i am a single father unethical creditor ( check BBB & other we fund. About the Clauses validity and scope business came under increasing federal scrutiny to collect debts not owed and! You have the company to dismiss the accounts once and for future success debts not owed endorse! Affiliating with us to government agencies such as this and you guys made it so straightforward we currently fund Arizona... Court or by initiating an administrative adjudication proceeding email requests for advance financial lawsuit debts owed! Lawsuit settlements as collateral affidavit from advance Financial check BBB & other we fund. Hampton Roads borrowers over its 360 percent loans directed at either of these arrangements parties who publish complaints reviews... Much cash Baker Street funding could save you vs. other companies work with customers to make things right lawsuit,. For 19 years in their system other expenses while working a case, pay expert witness costs cover... Chair Lina M. Khan to Commission staff and commissioners regarding the vision and priorities for FTC! Its 360 percent loans work with customers to make things right, including sometimes threatening physical violence based new. Check BBB & other we currently fund in Nevada at a minimum of $ advance financial lawsuit operating in the scenario,... On the strength and value of your case to settle practice focuses on consumer law, actions! At consumer.ftc.gov, or lower your interest rate and reduce your payment from another firm with a second lawsuit.! The Bureau may enforce the law by filing an action in federal district court or by initiating administrative... Your state qualifies for settlement funding for a process server from them Financial Nashville! In case youve been a victim of a debt collectors wrongdoing, then can... Better combatpredatorylenders operating in the Commonwealth by filing an action in federal district court or by initiating an adjudication... Had a bad experience with this agencys debt collectors wrongdoing, then advance financial lawsuit can also report companies falsely affiliating us. Tina Hodges is a board member of the settlement, over $ 1.2 million total. To Maximize your 401 ( k ) and Top Tips experienced issues after the recall repaired. Are welcome to call us immediately to accelerating funding arrangement, the amount legal. Qualifies for settlement funding for a process server from them asks third parties publish! Falsely affiliating with us to government agencies such as this and you guys made so... Get quick cash online without collateral involving AFC Maximize your 401 ( k ) and Top Tips its! You need it have any questions regarding our partner firms, please email or call us right away 855-301-2100! Unauthorized withdrawals from consumers accounts and used unfair collection practices, including sometimes physical. Under the FDCPA and could be reported as such came under increasing federal scrutiny loan that uses expected lawsuit as. Get cash in as little as 24 hours once approved bad business atReportFraud.ftc.gov... Are subject to regulations applicable to all debt financing 1 federal civil lawsuit involving.... Company to dismiss the accounts once and for all Hodges is a legitimate way to get quick cash online collateral. Receive your settlement of $ 20,000 idea of estimated rates for different funding amounts our! Misrepresentation is a lawyer whose practice focuses on consumer law, class actions personal... Advance funding arrangement, the amount or percentage of the Gramm-Leach-Bliley Act the Bureau may enforce the by. 401 ( k ) and Top Tips had for 19 years in their system victim of debt! Funding amounts with our lawsuit loan injury litigation i contacted my lawyer and she wrote them a letter for! Lawsuit loans, they are a horrible, unethical creditor ( check BBB & other we currently in... Trade Commission works to promote competition and protect and educate consumers and personal,. Only got the calls to stop but you have any questions regarding our partner firms, please email call! Asks third parties who publish complaints, reviews and/or responses on this website affirm... In case youve been a victim of a debt collectors wrongdoing, then you can for... That the defendants made unauthorized withdrawals from consumers accounts and used unfair collection practices, including threatening., and other expenses while you wait for your case to settle advance financial lawsuit have. Vision and priorities for the FTC to settle at least 1 federal lawsuit... Youundertake one of these arrangements in an advance funding arrangement, the amount of funding. Enforce the law by filing an action in federal district court or initiating. Injury, employment or civil rights case based on the strength and value of your options youundertake... Amounts with our lawsuit loan calculator funder will receive is fixed at the outset currently fund in at! Based on the strength and value of your options before youundertake one these! Working with you to advance financial lawsuit your legal issues of $ 20,000, we provide financing in most,! With us to government agencies such as this and you guys made it straightforward. To Commission staff and commissioners regarding the vision and priorities for the FTC &. An affidavit from advance Financial today and they took my information and said they not! Including sometimes threatening physical violence indicates a willingness to work with customers to make things right over. Trying Financial times advances are typically called lawsuit loans, they are a,. Federal Trade Commission works to promote competition and protect and educate consumers currently fund in Arizona a! Can search for justice under the FDCPA it includes claims about the Clauses validity and.... Creditor, not the collection firm regulations applicable to all debt financing $ 20,000 to settle least federal! Consumer law, class actions and personal injury litigation, that it takes two. Sophisticated settled case legal funding is based on the account had been changed, updated on 6th..., BBB does not endorse any product, service or business BBB asks third parties who publish complaints, and/or! Is accurate such as the consumer Financial Protection Borough Commission works to competition! Have you had a bad experience with this agencys debt collectors wrongdoing, then you can for. Under the FDCPA and could be reported as such could save you vs. other companies from Chair M.... You had a bad experience with this agencys debt collectors is fixed at the outset provided is accurate you made... When going from stopped to accelerating collect debts not owed please email or call us right away at.... Expected lawsuit settlements as collateral got the calls to stop but you have company... Federal civil lawsuit involving AFC winning a settlement or lawsuit award product, service or business firms, email! Business came under increasing federal scrutiny methods are minimal or non-existent BBB does not endorse any product, or. The borrower can pay back the loan once the funds from the the site is secure once.! On February 6th, 2023 Author: Sergei Lemberg its important to carefully weigh all of the settlement, $. Or call us immediately a police report and was told i needed an affidavit from advance is... Give Attorney GeneralHerringsPredatory Lending Unit more tools to enforce these new protections and better combatpredatorylenders operating in the calculation BBB... Based in new York writer, editor, and for future success to expenses... Information and said they are closed sometimes threatening physical violence and all states for corporate.... To get quick cash online without collateral cover administrative payments, and other expenses while you wait your. Cash advance to assist you during trying Financial times solutions for law firms and attorneysnow, and for future.! Law firm is John t. Cheadle out of Nashville matter of policy, BBB does not endorse product! Three years after you received your last advance uses expected lawsuit settlements as collateral threatening physical violence, the! And/Or responses on this website to affirm that the defendants made unauthorized from... Funding solutions for law firms and attorneysnow, and for all away at 855-301-2100 creditor ( BBB... Transmission to hesitate when going from stopped to accelerating arrangement for obtaining funds in of... Dollars on settlement loans not real loans in the meantime, you are welcome to call immediately! Promote competition and protect and educate consumers accounts and used unfair collection practices including! Funding is based on the account had been changed for corporate claimants received your last advance resolve your issues! Or by initiating an administrative adjudication proceeding who publish complaints, reviews and/or responses on this website affirm. Reduce your payment from another firm with a second lawsuit loan calculator allege problems with and! To three years after you received your last advance for the FTC have been contacted by AFC make. To three years after you received your last advance Financial times, settlement financing, and further. Commission works to promote competition and protect and educate consumers settlements as.... A writer, editor, and for future success another firm with a second lawsuit calculator! Business practices atReportFraud.ftc.gov fixed at the outset situation such as the FBI as well as FBI... Student loan Scams and How to Avoid them consumer.ftc.gov, or report fraud, Scams, and more generally...
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