I am a retired Federal Administrative Law Judge who was contacted today by a 77 year old widow who is a dear friend. She was in tears over threats made to her by a collection agency that she would be sent to jail. She had been called by the Rephen Law Firm about two months ago about a bounced check written to CVS pharmacies in the amount of $150.00. She explained that her credit card had been stolen and funds debited from her account resulting in the overdraft. She agreed to send payment and was then told that the "fees" were an... read full review »