BOTTOM LINE YEAR BOOK 2009 WAS SENT TO ME. I DID NOT APPLY FOR THIS BOOK. SINCE THE BOOK WAS SENT, I HAVE BEEN SENT LETTERS THAT I OWE THE COMPANY AND I A COLLECTION AGENCY HAVE CONTACTED ME ABOUT THE MATTER. IT IS VERY FRUSTRATING WHEN COMPANIES IMPOSE ON ONE AND SEND ONE BOOKS HAVE YOU HAVE NOT REQUESTED. read full review »