The FTC has obtained federal court orders banning the companies and people listed below from participating in all or specific types of debt relief businesses. Generally speaking, debt relief is any program or service that offers to change the terms of a debt between a person and one or more creditors or debt collectors, including a reduction of the loan balance, interest rate, or fees owed.
Companies may offer relief from different kinds of debt, including home mortgages (often called Mortgage Assistance Relief Services or “MARS”), student loans, payday loans, credit card debts, automobile loans, or tax debts. Companies may also offer different kinds of debt relief services, including debt settlement, debt consolidation, debt negotiation, debt management, foreclosure prevention, or loan modification. Some of the bans listed below prohibit participation in specific types of debt relief businesses, such as debt settlement or debt negotiation, while other prohibit participation in any type of debt relief business.
Click “view case” for information about the lawsuit that resulted in the ban, including press releases and links to the legal complaints. Click “view order” to see the federal court order that permanently prohibits the person or company from participating in the debt relief business.
|
Entity/Individual |
Case |
Order |
|---|---|---|
|
123 Save a Home, Inc. |
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1UC Inc., also d/b/a 1st United Consultants; and First United Consultants |
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2145183 Ontario Inc., d/b/a Dynamic Financial Resolutions Inc. |
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2194673 Ontario Inc. also d/b/a The Elite Financial Group |
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7242697 Canada Inc. |
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7242701 Canada Inc. |
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7246293 Canada Inc. |
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7246421 Canada Inc. |
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800 Credit Card Debt, LLC also d/b/a 800 Credit Crad [sic] Debt, LLC, 800CreditCardDebt.com, and 800ccd.com |
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A1 DocPrep Inc. |
View case | View order |
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A to Z Marketing, Inc., also d/b/a Client Services |
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A+ Financial Center, LLC d/b/a Accelerated Financial Centers, LLC |
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Accelerated Accounting Services LLC |
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Accelerated Savings Inc. |
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Acutus Law, P.C. |
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Adrian Pomery |
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Advanced Data Software, LLC |
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Advanced Management Services NW LLC |
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Advantis Law Group P.C. |
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Advantis Law P.C. |
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Advocates for Consumer Affairs Expert, LLC |
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AFB LLC |
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Ahron E. Henoch |
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Alan LeStourgeon |
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| Allan Radam | View case | View order |
|
Alexander J. Dent |
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Alliance Document Preparation, LLC |
View case | View order |
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Allied Corporate Connection, LLC |
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Alpha Financial Debt Group |
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Alvin Bell |
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Ambrosia Web Design LLC, d/b/a AWD |
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America Freedom Advisors Inc. |
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|
American Counseling Center Corp., also d/b/a StuDebt, Student Debt Relief Group, SDRG, Student Loan Relief Counselors, SLRC, and Capital Advocates Group |
View case | View order |
|
American Hardship, LLC |
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American Lending Review, Inc., also d/b/a American Law Center |
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American Mortgage Consulting Group, LLC, also d/b/a American Mortgage Group and American Mortgage Consulting |
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|
American Student Loan Consolidators, LLC |
View case | View order |
|
AmeriDebt, Inc. |
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Aminullah Sarpas, a/k/a David Sarpas |
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Amir Montazeran, a/k/a Alex Montazeran |
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Andrew Primavera |
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Andris Pukke |
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Apex Members, LLC, also d/b/a Apex Solutions and MacArthur Financial Group |
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Apex Solutions, Inc. |
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Apply2Save, Inc. |
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|
April Botton Krawiecki |
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Ashley M. Westbrook |
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Attorney Aid, LLC |
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|
Avinadav Rubeni |
View case | View order |
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B&C Financial Group Inc. |
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|
Back Office Support Systems LLC |
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Backend Services, Inc. |
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Backend, Inc., f/k/a Mortgage Modification Center, Inc., also d/b/a MMC, Inc. |
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Baird B. Fisher |
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|
Bajada Management Group Inc. |
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|
BBND Marketing, LLC, d/b/a United Processing Center |
View case | View order |
| BCO Consulting Services, Inc. d/b/a Students Load Servicing LLC | View case | View order |
|
Benjamin Naderi |
View case | View order |
|
Benzion Jack Itzkowitz, a/k/a Jack |
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Bernadette Perry, a/k/a Bernadette Carr and Bernadette Carr-Perry |
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Blackrock Professional Corporation |
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Bloom Law Group PC, also d/b/a Home Shield Network and Keep Your Home USA |
View case | View order |
|
Boaz Minitzer |
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|
Bradford R. Geisen |
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| Brandon Clores | View case | View order |
|
Brandon Moreno |
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Brett Fisher |
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Brian Mammoccio |
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Brian Pacios |
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|
Brooke Robertson |
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Bruce Meltzer, a/k/a Bruce Duke |
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Bryan J. Melanson |
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Bryan Rosenberg |
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Bryan Taylor |
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Business First Solutions, Inc. |
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CAM Services Direct, LLC |
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Carly Janene Pelland a/k/a Carly Zurita |
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Casey Lynn Cohen, a/k/a Casey Lynn Collins |
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C.C. Enterprises, Inc. also d/b/a HOPE Services, Trust Payment Center, Retention Divisions |
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CD Capital, LLC |
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CD Capital Investments, LLC |
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|
Cesar Lopez |
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Chad Caldaronello a/k/a Chad Carlson, Chad Johnson |
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Chad E. VanSickle |
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Charles T. Marshall |
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Chastity Valdes |
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Chele Stone, a/k/a Chele Medina |
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|
Chris Ambrosia |
||
| Christian Castillo | View case | View order |
|
Christian D. Quezada |
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Christopher Adams |
||
|
Christopher Francis Betts |
Order not posted |
|
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Christopher L. Miano |
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|
Christopher M. Hayden |
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|
Christopher Mallett |
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|
Christopher N. Edwards. |
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|
Complete Financial Strategies, LLC |
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Concord Financial Advisors, LLC |
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Consumer Acquisition Network, LLC, also d/b/a Consumer Legal Network, Legal Servicing & Billing Partners, Forensic Auditor Services, Telefunding Services, Mortgagesavers.org, First Capital Land Trust, or Florida Land Trust Consultants |
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|
Consumer Advocates Group Experts, LLC |
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Consumer Assistance, LLC, also f/k/a Back Office Law, LLC, also d/b/a Consumer Assistance Project |
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|
Consumer Assistance Project, Corp., also f/k/a Non-Profit Guardian Services, Inc. and Back Office Law Project, Corp. |
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|
Consumer Credit Group, LLC |
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|
Consumer Legal Plans LLC (Nevada) |
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|
Consumer Legal Plans, LLC (Wyoming), also d/b/a CLP Associates |
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|
Credit Relief Center LLC |
View case | View order |
|
Credit Service Alliance, Inc. |
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CreditLawGroup, P.A. |
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Cresidis Legal, a Professional Corporation, also d/b/a Homeowners Legal Assistance and f/k/a Citadel Legal, a Professional Corporation |
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|
Crowder Law Group, P.A., f/k/a Jackson, Crowder & Associates, P.A. and d/b/a Legal Support Services |
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|
D.G.C. Consulting, LLC |
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|
Dale Robinson |
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|
Damon Grant Carriger |
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|
Damien Alvarez |
View case | View order |
|
Damian Kutzner |
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|
Dana M. Miano |
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Daniel Hungria |
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Daniel Michaels, a/k/a Dan Michaels; and Dan Michles |
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Daniel Upbin |
View case | View order |
|
Dave Green |
View case | View order |
|
David Botton |
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|
David D. Richards |
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|
David Ealy |
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|
David F. Preiner |
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|
David J. Feingold |
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David Zausner |
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|
Dean Shafer |
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Debt Resolution Specialists Inc. |
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Debt.com Marketing, LLC |
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DebtWorks, Inc. |
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Dennis Connelly |
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Dennis Strzegowski |
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Denny Lake also d/b/a JD United; U.S. Crush; Advocacy Department; Advocacy Division; Advocacy Program; Advocacy Agency |
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|
Derek Nelson a/k/a Dereck Wilson |
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Derek B. Radzikowski |
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|
Derek R. Oberholtzer |
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|
Dinamica Financiera LLC |
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|
Direct Financial Management, Inc. |
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|
Direct Results Solutions, LLC |
Order not posted |
|
|
DLD Consulting, LLC |
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D.N. Marketing, Inc. also d/b/a HAMP Services and Trial Payment Processing |
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|
Dominant Leads, LLC |
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|
Donna Fisher |
||
|
Douglas A. Crowder, Esq. |
||
|
Dwayne J. Martins |
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|
Dynamic Financial Group (U.S.A.) Inc. |
||
|
E.M.A. Nationwide, Inc., also d/b/a EMA; and Expense Management America |
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|
Ebony Taylor |
Order not posted |
|
|
Economic Relief Technologies, LLC |
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|
Edward J. Davidson |
||
|
Edward William Rennick III |
||
|
ELH Consulting, LLC, also d/b/a Proactive Planning Solutions |
||
|
Eli Hertz |
||
|
Elias Taylor |
Order not posted |
|
|
Elite Consulting Service, LLC, fka First Grad Aid, LLC, and also dba First Grad Aid |
View case | View order |
|
Emax Loans, Inc. |
||
|
emerchant, LLC, also d/b/a Full Biz Solutions |
Order not posted |
|
|
Emory L. Holley IV a/k/a Jack Holley |
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|
Eric C. Synstad |
||
|
Eric Douglas Johnson |
||
|
Everard Taylor |
Order not posted |
|
|
Evergreen Law Offices, PLLC. |
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|
Evertree, LLC |
Order not posted |
|
|
Expert Processing Center, Inc. |
||
|
Ezra Rishty |
||
|
Farzan Azinkhan |
View case | View order |
|
F&F Payment Processing Inc. |
||
|
FDC Assoc Group Inc. |
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|
FDC Business, Inc. |
||
|
Federal Housing Modification Department, Inc., also d/b/a Nations Housing Modification Center and Loan Modification Reform Association |
||
|
Federal Loan Modification, LLC |
||
|
Federal Loan Modifications |
||
|
Fidelity Legal Services LLC |
||
|
Financial Future Network, LLC |
||
|
First Financial Asset Services, Inc. |
||
|
First Student Aid, LLC |
View case | View order |
|
First Universal Holdings, LLC |
||
|
First Universal Lending, LLC |
||
|
FMC Consultants Group, Inc. |
||
|
FMC Counseling Services, Inc. |
||
|
FMC Review Corporation |
||
|
Fortress Law Group, P.C. |
||
|
Fortress Law Group LLC |
||
|
Foundation Business Solutions, LLC |
Order not posted |
|
|
Frank Porporino Jr. |
||
|
Frank Sullivan |
Order not posted |
|
|
Freedom Companies Lending, Inc. |
||
|
Freedom Companies Marketing, Inc. |
||
|
Freedom Companies, Inc. |
||
|
Freedom Information Services, Inc. |
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|
Freedom Legal Plans, LLC |
||
|
Frontier Legal Plans, LLC |
||
|
Future Financial Services, LLC, also d/b/a Lucas Law Center |
Order not posted |
|
|
Gabriel Drews Stewart |
||
|
Gary Brent White, Jr. |
View case | View order |
|
GDS Information Services, Inc. |
||
|
George Escalante |
||
| Gianni Olilang | View case | View order |
|
Glenn E. Gromann |
||
|
Glenn Rosofsky |
||
|
Global Financial Assist, LLC |
||
|
Good EBusiness LLC, also d/b/a AAP Firm, Student Loan Help Direct, and Select Student Loan |
||
|
Grads Doc Prep, LLC |
View case | View order |
|
Greg Rivera |
||
|
Grupo Marketing Dominicana |
||
|
H.E. Servicing, Inc. |
||
|
Haiti Management, Inc. |
||
|
Hal E. Smith |
||
|
Hermosa Group, LLC |
||
|
HES Merchant Services Company |
||
|
Homan Ardalan |
View case | View order |
|
Home Assure, LLC |
||
|
Home Guardian Management Solutions, LLC, also d/b/a Home Guardian Solutions |
||
|
Home Relief Foundation, Inc., also d/b/a National Home Retention |
||
|
Hope Now Financial Services Corporation |
||
|
Hope Now Modifications, LLC |
||
|
Hugo Tapia |
||
|
Innovative Wealth Builders, Inc. |
||
|
Interstate Law Group, LLC |
||
|
Ivan X. Estrella |
||
|
IXE Accelerated Financial Centers LLC |
||
|
IXE Accelerated Service Centers Inc. |
||
|
IXE Accelerated Services Inc. |
||
|
Jack Briggs a/k/a John Briggs |
||
|
Jackson Hunter Morris & Knight LLP |
||
|
Jacqueline M. Fisher |
||
|
Jaime M. Hawley |
||
|
Jamen Lachs |
||
|
James A. Schoenholz |
||
|
James Benhaim, a/k/a Jimmy Benhaim |
||
|
James Holderness |
||
|
James Rambadt, a/k/a James Kane |
||
|
James W. Holderness |
||
|
James Wojcik |
||
|
Jason C. Desmond |
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|
Jason James Eyer |
||
|
Jeanie B. Robertson |
||
|
Jeffrey Altmire |
||
|
Brookstone Law P.C. (nV) |
||
|
Brookstone Law P.C. (CA)(nV) |
||
|
Jeffrey Broughton |
||
|
Jeffrey Segal |
||
|
Jemuel Apelar |
||
|
Jennifer Whalen |
||
|
Jeremy Foti |
||
|
Jeremy Rommel Nelson |
||
|
Jillian N. Melanson |
||
|
John Brent McDaniel |
||
|
John DiCristofalo, a/k/a John Christy |
||
|
John Incandela, Jr. |
||
|
John L. Franks Jr |
||
|
John Mitchell |
||
|
John W. Smith |
||
|
Jonathan Greenberg |
||
|
Jonathan L. Herbert, also d/b/a Federal Debt Commission, Inc., FDC Financial, Inc., and FDC Consultants, Inc. |
||
|
Jonathan Tarkowski |
||
|
Jonathon E. Warren |
||
|
Jose Mario Esquer |
||
|
Joseph B. Foley |
||
|
Joseph G. Rogister |
||
|
Joseph Shamolian |
Order not posted |
|
|
Josephine Amanda DiCristofalo, a/k/a Amanda DiCristofalo, Amanda Sue DiCristofalo, and Amanda Christy |
||
|
JPM Accelerated Services Inc. |
||
|
Justin Moreira a/k/a Justin Mason, Justin King, Justin Smith |
||
|
Kara Singleton Adams |
||
|
Kara Wilbur Taylor |
||
|
Kathleen Lewis, a/k/a Kathy Lewis |
||
|
Kelly Reilly |
||
|
Kenneth Schwarz |
||
|
Kevin McCormick |
||
|
Key Stone Real Estate, LLC |
Order not posted |
|
|
Kim E. Landolfi |
||
|
Kimberly Nelson |
||
|
Kirkland Young, LLC |
||
| Kishan Bhakta | View case | View order |
|
Komal West |
||
|
Kwasnik, Rodio, Kanowitz & Buckley P.C. |
||
|
Lazaro Dinh, a/k/a Mario Lazaro Sopena a/k/a Lazaro Sopena |
||
|
Lanier Law LLC d/b/a Redstone Law Group, Law Offices of Michael W. Lanier |
||
|
Leading Production, LLC |
||
|
Legal Marketing Group, Inc. |
||
|
Legal Servicing and Billing Partners LLC |
||
|
Legal Turn, LLC |
||
|
LegalTurn, Inc. |
||
|
LeRoy Castine, a/k/a Lee Castine |
||
|
Liberty & Trust Law Group of Florida LLC |
||
|
Linden Financial Group, LLC |
||
|
Lisa Miller |
||
|
Lisa Roye |
||
|
Loan Modification Team Ltd. |
||
|
Loss Mitigation Services, Inc. |
Order not posted |
|
|
Louis Gendason |
||
|
LucasLawCenter "incorporated," also d/b/a Lucas Law Center |
Order not posted |
|
| M&T Financial Group, also d/b/a StuDebt, Student Debt Relief Group, SDRG, Student Loan Relief Counselors, SLRC, and Capital Advocates Group | View case | View order |
|
Macie Mejeco Bain, a/k/a Macie Mejeco Manns |
||
|
MAD TJ Holdings, LLC |
||
|
Madhulika Baid, a/k/a Madhu Baid |
||
|
Marion Anthony a/k/a Tony Perry |
||
|
Mark Nagy Atalla, also d/b/a/ Home Guardian Solutions, Home G Solutions Firm, and Home G Solutions Group |
||
|
Maurice Jackson |
||
|
MCS Programs, LLC |
||
|
Media Choice, LLC also d/b/a MediaChoice, LLC |
||
|
Media Innovations, LLC |
||
|
Mekhia Capital, LLC |
||
|
MGA Accelerated Services Inc. |
||
|
Micha S. Romano |
||
| Michael Castillo | View case | View order |
|
Michael Falcone |
||
|
Michael Haller |
||
|
Michael Kwasnik |
||
|
Michael L. Rohlf |
||
|
Michael Petroski |
||
|
Michael Rodriguez |
Order not posted |
|
|
Michael Trap |
||
|
Michael Valenti |
||
|
Michael W. Lanier |
||
|
Michael Workman |
||
|
Millennium Law Center, P.C. |
||
|
Miranda Lynn Cavender |
||
|
Mitigation America, LLC |
||
|
Mortgage Relief Advocates, LLC d/b/a The MRA Group |
||
|
My Success Track, LLC |
||
|
National Financial Assistance LLC |
||
|
National Foreclosure Relief, Inc. |
||
|
National Forensic Loan Audit Servicers, LLC |
||
|
National Legal Network, Inc. |
||
|
Nationwide Law Center, Inc. |
||
|
NDR Group, Inc. |
||
|
Nelson Gamble & Associates LLC |
||
|
New Hope Property LLC |
||
|
New Life Financial Solutions, Inc., also d/b/a New Life Financial; and New Life Financial Services |
||
|
New Life Solutions |
||
|
Nicholas Puglia |
||
|
Nissim N. Ohayon, a/k/a Ness N. Ohayon |
Order not posted |
|
|
Oficinas Legales de Eric-Douglas Johnson |
||
|
Optimum Business Solutions, LLC, a/k/a Attorney Finance Services, LLC, and d/b/a Attorney Finance Services |
||
|
Pablo Rodriguez |
||
|
Palermo Global, LLC |
||
|
Paramount Asset Management Corp. |
||
|
Patrick Butler |
||
|
Patrick O'Deady |
View case | View order |
|
Paul Adam Wexler |
||
|
Paul Jeffrey Lucas |
Order not posted |
|
|
Paul Morris Thompson |
||
|
Paul Pietrzak |
||
|
Pavac, Inc. |
||
|
Payday Support Center, LLC |
||
|
PDM International, Inc., also d/b/a Priority Direct Marketing International, Inc. |
||
|
Philip Danielson, LLC, d/b/a Danielson Law Group, DLG Legal, and American Mortgage Assistance Center |
||
|
Philip J. Danielson |
||
|
Philip N. Constantinidis |
||
|
Phillip Hee Min Kwon a/k/a Phillip H. Kwon |
Order not posted |
|
|
Precision Law Center LLC |
||
|
Precision Law Center, Inc. |
||
|
Premier Nationwide Corporation d/b/a Premier Savings |
||
|
Prime Legal Plans LLC |
||
|
Pro Credit Group, LLC |
||
|
Purchase Power Solutions, LLC |
||
|
R. Geoffrey Broderick |
||
|
R&H Marketing Concepts, Inc., dba E Z Financial Solutions |
||
|
Ramiar Reuveni |
View case | View order |
|
Ramiro Fernandez-Moris a/k/a Ramiro Moris |
||
|
Rapid Reduction Systems, LLC |
||
|
Ratan Baid |
||
|
Reaching U Network, Inc. |
||
|
Redstone Law Group, LLC, d/b/a Redstone Law Group, LLP |
||
|
Residential Relief Foundation, Inc. |
||
|
Residential Relief Foundation, LLC |
||
|
Richard A. Bishop |
||
|
Rogelio Robles a/k/a Roger Robles |
||
|
Ryan David Bishop |
||
|
Ryan Foland |
||
|
Ryan Golembiewski and the following d/b/as: www.legitimatedebtsettlement.com (link is external), www.debtreliefemergency.com (link is external), www.freecreditcounselinghelp.com (link is external), www.creditdebtsettlements.com (link is external), www.creditcarddebtnegotiations.com (link is external), www.disputeddebts.com (link is external), www.freedebtreductionhelp.com (link is external), www.freedebtsettlementadvice.com (link is external), www.creditcarddebtfighters.com (link is external), www.CardDebtManagement.com (link is external), www.ChooseDebtRelief,com (link is external), www.DebtDecreaser.com (link is external), www.DebtFinanceCompany.com (link is external), www.DefeatDebts.com (link is external), www.FreeDebtConsolidationAdvice.org (link is external), www.GetInstantCashLoans.com (link is external), and www.LegitimateDebtHelp.com (link is external) |
||
|
Ryan Zimmerman |
||
|
SafeRide Warranty LLC |
||
|
Salar Tahour |
View case | View order |
|
Salvatore Puglia |
||
|
Sameer Lakhany a/k/a Sammy Lakhany |
||
|
Samuel Paul Bain |
||
|
Samy Botton |
||
|
SBB Holdings, LLC |
View case | View order |
|
SBS Captial Group |
View case | View order |
|
SBSC Corporation |
||
|
SC Law Group, P.C. |
||
|
Scot Lady |
||
|
Sean Cantkier |
||
|
Sean J. Coberly |
||
|
Sean Zausner |
||
|
Select Document Preparation, Inc. |
||
|
Select Student Loan Help, LLC |
||
|
Shawn Gabbaie |
View case | View order |
|
Sheryl Leigh Lopez |
||
|
Silver Lining Services, LLC |
||
| SL Finance LLC | View case | View order |
| SLA Consulting Services Inc. | View case | View order |
|
Sleeping Giant Media Works, Inc. |
||
|
Smart Funding Corp. |
||
|
Smith, Gromann & Davidson, P.A. |
||
|
Soluciones Dinamicas, Inc. |
||
|
Southeast Trust, LLC f/k/aThe Debt School, LLC and also d/b/a Financial Freedom Credit Counseling |
||
|
Stacey Frion |
||
|
Stephen Lalonde |
||
|
Stephen Todd Cook |
||
|
Steven Oscherowitz |
||
|
Strata G Solutions, LLC |
||
|
Strategic Credit Solutions LLC |
View case | View order |
|
Strategic Debt Solutions LLC |
View case | View order |
|
Strategic Doc Prep Solutions LLC |
View case | View order |
|
Strategic Student Solutions LLC |
View case | View order |
|
Stream Lined Marketing also d/b/a Project Uplift Students and Project Uplift America |
View case | View order |
|
Student Relief Center LLC |
View case | View order |
|
Student Debt Doctor LLC |
View case | View order |
|
Surety Law Group LLC |
||
|
Synergy Financial Management Corporation, also d/b/a Direct Lender and DirectLender.com |
||
|
Tamara Dawn Johnson |
||
|
The Credit Shop, LLC |
||
|
The Debt Advocacy Center, LLC |
||
|
The Green Savers, LLC, also d/b/a Elite Services and Advanced Data Solutions |
||
|
Thomas Hayes |
||
|
Thomas Ryan |
||
|
Thriller Marketing, LLC |
||
|
Titanium Realty, Inc. |
||
|
Tobias West also known as Tobey West, Toby West, and Eric West |
||
|
Todd A. Baker |
||
|
Tony D. Norton |
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Tonya L. Hawkins, a/k/a Tanya L. Hawkins |
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Top Legal Advocates, P.C., f/k/a Top Legal Advocates, PLLC |
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Tuan Dinh Duong a/k/a Thomas Duong, Andrew Vu, Kevin Young |
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Tyna Caldwell |
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U.S. Homeowners Relief, Inc., also d/b/a Greenleaf and Greenleaf Modify |
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United Credit Adjustors, Inc., also d/b/a United Credit Adjusters and UCA |
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United Debt Associates, LLC |
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United Legal Center, Inc. |
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United Legal Center, LLC |
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United Savings Center, Inc. |
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United States Law Center, P.C. |
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United SL Processing |
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United Student Loan Processing |
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US Foreclosure Relief Corp., also d/b/a U.S. Foreclosure Relief, Inc., Lighthouse Services, and California Foreclosure Specialists |
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USC Programs, LLC |
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Valbona Toska |
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Valentin Benitez |
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Valerie Leath |
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Veronica Sesma, also d/b/a Sesma Consulting |
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Victor Torchia, Jr. |
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Vikash Jawalapersad |
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VoiceOnyx Corp. |
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VP Marketing, LLC |
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Washington Data Resources, Inc. |
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Waypoint Law Group, Inc. |
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Wealth Educators, Inc., also d/b/a Family 1st Preservations; Family 1st Home Loans; Legal Affiliates & Associates; Legal Educators & Co.; Family 1st Home Preservation; Legal Educators USA & Co.; Stargate Mutual & Associates; Providence Financial Advocates; Providence Financial Audits |
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Western GPS LLC |
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William Balsamo |
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William D. Fithian |
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William D. Goodrich |
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William D. Goodrich Atty, Inc. |
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Willy Plancher |
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World Class Savings Inc. |
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WV Universal Management, LLC |