Columbia debt recovery

If you can’t work out a plan with your lender, contact a non-profit housing counseling organization. Reach a free, HUD-certified counselor at 800-569-4287. Also, contact your local Department of Housing and Urban Development office or the housing authority in your state, city, or county.Debt recovery and debt collection are similar terms with one small, but very important distinction. The difference is who is trying to retrieve a debt. Debt collection is when a creditor attempts to recover consumer credit and loans that have not been paid back by a customer. Debt recovery is when a loan – such as a credit card balance ...The Columbia River starts in southern British Columbia, Canada, at the base of the Rocky Mountains. This river stretches over 1,200 miles through seven northwestern states includin...We would like to show you a description here but the site won’t allow us.Aug 16, 2022 · SPOKANE, Wash., Aug. 16, 2022 /PRNewswire/ -- Columbia Debt Recovery (dba Genesis) and CredHub announce collaboration to increase ease of access for the nations' Multi-Family Providers when it ... I called COLUMBIA DEBT RECOVERY LLC DBA GENESIS and requested debt letter on August 7th, 2023. I let the representative know this amount is incorrect. The letter states I had until 09/11/2023 with ...Find out everything you need to know about Columbia Debt Recovery, LLC dba GENESIS. See BBB rating, reviews, complaints, contact information, & more.The formula for the market value of debt is E((1-(1/(1 + R)^Y))/R) + T/(1 + R)^Y, where E is the annual interest expense, R is the cost of debt, T is the total debt and Y is the av... Register. Please register for an account with our payment system below. Create Login. Login. If you have questions about making your payment please call us at (866) 863-9194. Password. Forgot Password? 15 reviews of Columbia Recovery Group "Rudest group of professionals i have ever dealt with. I have an account that was turned over to them for collection, which i know these people thrive on being inhumane. But from the first conversation, the owner was rude, who I didnt know at the time was the owner. The account in question I …Genesis Credit Management, LLC, which also does business as Columbia Debt Recovery, LLC is a debt collection company located in Sunnyside, Washington. It was founded in 2006, has has less than 10 employees, and is …Debt recovery and debt collection are similar terms with one small, but very important distinction. The difference is who is trying to retrieve a debt. Debt collection is when a creditor attempts to recover consumer credit and loans that have not been paid back by a customer. Debt recovery is when a loan – such as a credit card balance ...Case Summary. On 09/07/2021 SEAN FOY filed a Small Claim - Debt Collection lawsuit against COLUMBIA DEBT RECOVERY LLC, DBA GENESIS. This case was filed in San Francisco County Superior Courts, Civic Center Courthouse located in San Francisco, California. The Judge overseeing this case is MICHELLE TONG. The case status is Not …If your efforts fail to bring the tenant current and they leave your community with an unpaid balance, Columbia Debt Recovery (dba Genesis) will handle the …Just had a question about how to continue to handle goodwill letters when the CA response is less than stellar. Sent a GW letter to Columbia Debt Recovery last week and received a letter back today. Here is what it said: "Our records indicate that you have a zero balance with our office and said...If you feel your rights are being violated, or that a debt collector is contacting you in an unlawful manner, do not hesitate to contact our legal team. Contact us at 1-800-668-3247 …Basically, COLUMBIA DEBT RECOVERY is collecting a false debt, on behalf of The Social at ***** since February 2022. In July 2020, I signed a 1-year lease contract with The Social until August 15 ...Choosing the right university can be a daunting task, especially when there are so many options available. If you’re considering Columbia University Southern, you may be wondering ... Phone Numbers. (425) 646-1130. Other Phone. (509) 836-5558. Other Phone. Read More Business Details and See Alerts. Feb 5, 2024 · 11/30/2023. Genesis Credit Management aka Columbia Debit Recovery has fraudulently and unlawfully placed someone else's owed balance of $227.52 on all 3 of my credit reporting agencies. With the ... Columbia Debt Recovery LLC filed late payment of $433 in 2023. They called me in October, November and December 2023 and stated this is from apartment move-out from September 2020. September 2020 ...Middle-Independent77. • 12 days ago • Edited 8 days ago. I just received an email from Columbia Debt Recovery LLC, dba Genesis stating that I owe them $$223 ($219 + $4 …Columbia Debt Recovery, LLC d/b/a Genesis 906 SE Everett Mall Way, Ste. 301 Everett, Wash. 98208 • this Order; • a Notice of Lawsuit & Request to Waive Service of Summons; • a Waiver of Service of Summons; and • the Complaint.Columbia Debt Recovery, LLC d/b/a Genesis Credit Management (3:24-cv-00665), California Northern District Court, Filed: 02/05/2024 - PacerMonitor Mobile Federal and Bankruptcy Court PACER Dockets PacerMonitor A Fitch Solutions Service Features Plans & Pricing AboutConsult with our debt settlement lawyers to help you eliminate debt, medical bills loans, credit card debts and more. Find out if you qualify for bankruptcy protection! Skip to …Columbia Debt Recovery, LLC, No. 2:20-cv-01718, 2022 WL 167516, at *3 (W.D. Wash. Jan. 12, 2022) (defendant’s collection attempts violated Sections 1692e and 1692e(2) because defendant had “not established that it was entitled to collect” that amount “at the time it demanded the sum from Plaintiff”); Dawson v.National Debt Relief – Best for Fee Transparency. Pacific Debt Relief – Best for an Established Track Record. Accredited Debt Relief – Best for Quick Resolution. Money Management ...Columbia Debt Recovery, LLC, 5:19-cv-01248 — Brought to you by Free Law Project, a non-profit dedicated to creating high quality open legal information. Andrew Hodlofski v. Columbia Debt Recovery, LLC, 5:19-cv-01248 – CourtListener.comColumbia Debt Recovery, LLC d/b/a Genesis 906 SE Everett Mall Way, Ste. 301 Everett, Wash. 98208 • this Order; • a Notice of Lawsuit & Request to Waive Service of Summons; • a Waiver of Service of Summons; and • the Complaint.If you feel your rights are being violated, or that a debt collector is contacting you in an unlawful manner, do not hesitate to contact our legal team. Contact us at 1-800-668-3247 …I requested the verification of the debt from Columbia Debt Recovery, LLC dba GENESIS on 12/02/2023 by Select one Phone and was informed by one of their representatives that they were unable to ...Debt collector agencies are third-party businesses that work on behalf of other companies to collect debts. When debt collectors work for original creditors, ...Columbia Debt Recovery LLC served on 2/8/2024, answer due 2/29/2024.(Maxfield, Dave) Related: [-] Att: 1 Envelope Columbia Debt Recovery 5 5 service Summons Returned Executed - Complaint Served Thu 02/15 11:15 AM SUMMONS Returned Executed by Anastasia G Jacobs. New Aspen Management ...In a sea of large, faceless debt collection agencies, Summit is a debt collection agency with a reputation for treating people right & following all the ...Arias et al v. Columbia Debt Recovery LLC (2:20-cv-01602), Washington Western District Court, Filed: 10/30/2020 - PacerMonitor Mobile Federal and Bankruptcy Court PACER DocketsColumbia Debt Recovery, LLC, Court Case No. 2:17-cv-01828 in the Washington Western District Court. Johnston v. Columbia Debt Recovery, LLC Federal Civil Lawsuit Washington Western District Court, Case No. 2:17-cv-01828 District Judge Thomas S. Zilly, presiding. No tags have been applied so far. Find company research, competitor information, contact details & financial data for COLUMBIA DEBT RECOVERY, LLC of Everett, WA. Get the latest business insights from Dun & Bradstreet. Columbia Debt Recovery, et al (4:22-cv-01033), Texas Eastern District Court, Filed: 12/06/2022 - PacerMonitor Mobile Federal and Bankruptcy Court PACER Dockets. ... 15:1692 Fair Debt Collection Act: Case Filed: Dec 06, 2022: Terminated: Feb 16, 2024: Docket; Parties (5) Last ...Debt collector agencies are third-party businesses that work on behalf of other companies to collect debts. When debt collectors work for original creditors, ... Find company research, competitor information, contact details & financial data for COLUMBIA DEBT RECOVERY, LLC of Everett, WA. Get the latest business insights from Dun & Bradstreet. You’ve packed the tents and sleeping bags, and you’re all set for your camping trip — but wait! What about your Columbia clothing? Choosing the right Columbia clothing for camping ...In Johnson v. Columbia Debt Recovery, a Washington district court awarded each plaintiff $30,000 in emotional distress damages under the Fair Debt Collection Practices Act (FDCPA), $120 in treble actual damages under the Washington Collection Agency Act (WCAA) and the Washington Consumer …Jul 28, 2022 · On or about January 14, 2019, Riverstone transferred a collections account to Genesis, a licensed debt collector, that consisted of a remaining balance of $4,038.47 (the "Balance") purportedly owed by Creager pursuant to her lease agreement with Riverstone. Declaration of Bill Wojdak ("Wojdak Decl.," Dkt. 27-1) ¶¶ 5, 8. COLUMBIA DEBT RECOVERY, LLC dba GENESIS CREDIT MANAGEMENT, LLC, Defendant. Case No. C20-573RSM ORDER GRANTING PLAINTIFFS’ ... Plaintiffs move for summary judgment on Defendant’s liability under the Fair Debt Collection Practices Act (“FDCPA”) and Washington Collection Agency Act (“WCAA”), but do not move for the …Jun 30, 2021 · In Johnson v.Columbia Debt Recovery, a Washington district court awarded each plaintiff $30,000 in emotional distress damages under the Fair Debt Collection Practices Act (FDCPA), $120 in treble actual damages under the Washington Collection Agency Act (WCAA) and the Washington Consumer Protection Act (WCPA), and $2,000 in statutory damages under the FDCPA. Columbia Collection works on behalf of our clients and considers them partners we represent in the industry and community. Clients do NOT pay up-front costs or fees associated with accounts assigned. When a debt is collected by Columbia the client receives a trust check issued out by the 15th of the following month, less our agency’s ...In today’s fast-paced world, managing your debts can often feel overwhelming. It’s easy to lose track of due dates, interest rates, and payment amounts. One of the primary advantag...Jan 20, 2023 · Basically, COLUMBIA DEBT RECOVERY is collecting a false debt, on behalf of The Social at ***** since February 2022. In July 2020, I signed a 1-year lease contract with The Social until August 15 ... Columbia Debt Recovery LLC, No. 2:20-cv-01602, 2021 WL 952559, at *4 (W.D. Wash. Feb. 10, 2021) (quoting Dawson, 2017 WL 5668073, at *4). Because Plaintiff has pleaded facts alleging that Defendant attempted to collect an amount not owed, the Court denies Defendant's motion to dismiss Plaintiff's claim …... Columbia. For more information about how ... collections and debt recovery. By choosing a ... We understand that first party outsourcing debt collections ...Columbia Debt Recovery, LLC, No. 2:20-cv-01718, 2022 WL 167516, at *3 (W.D. Wash. Jan. 12, 2022) (defendant’s collection attempts violated Sections 1692e and 1692e(2) because defendant had “not established that it was entitled to collect” that amount “at the time it demanded the sum from Plaintiff”); Dawson v.Rent Recovery Solutions is a national receivables management company exclusively serving the needs of the multifamily industry. Our business is 100% focused on the billing and collection of rent-related debt for management companies and apartment communities. Our management team has extensive history in property ownership, property …Reviews from Columbia Debt Recovery employees about Columbia Debt Recovery culture, salaries, benefits, work-life balance, management, job security, and more.Columbia Debt Recovery, LLC, 2020 WL 12812297 (2020). Case No. 2:19-CV-1909 is pending in the U.S. District Court for the Western District of Washington. 2 4 No. 82976-9-I/5 review, a panel of judges granted Gebreseralse’s motion to modify and accepted review.When the IMF records national debt it expresses is as a percentage of the national income. A country’s annual income is called the Gross Domestic Product (GDP) so the national debt figure is called the debt to GDP ratio. The IMF-calculated debt to GDP ratio for Colombia in 2017 was 49.4%. What is Columbia Recovery Group – CRG? Columbia Recovery Group, LLC (CRG) is a third-party collection agency that specializes in property management collections.CRG has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA) such as threatening to take actions that cannot legally be taken. When in debt, it can feel like you are drowning; no matter how much you try to get out of it, things just keep getting worse. This is mainly due to compounding interest and late fe...These terms and conditions outline the rules and regulations for the use of Columbia Debt Recovery's Website. Columbia Debt Recovery is located at: 1215 120th ave ne Suite …MetCredit is Canada’s top national collection agency, licensed and bonded in all Canadian provinces and territories.With a team of over 200 professionals in offices in Vancouver, Edmonton , Toronto and Montréal, MetCredit provides exceptional business debt recovery, Accounts Receivable management and specialized commercial debt collection services …In Johnson v. Columbia Debt Recovery, a Washington district court awarded each plaintiff $30,000 in emotional distress damages under the Fair Debt Collection Practices Act (FDCPA), $120...The formula for the market value of debt is E((1-(1/(1 + R)^Y))/R) + T/(1 + R)^Y, where E is the annual interest expense, R is the cost of debt, T is the total debt and Y is the av...© 2017 Columbia Debt Recovery. All Rights Reserved.Hawthorn Recovery Services is located at 302 Campusview Dr in Columbia, Missouri 65201. Hawthorn Recovery Services can be contacted via phone at (573) 442-7660 for pricing, hours and directions. Contact Info (573) 442-7660 ... Debt Collection Agency Near Me in Columbia, MO. Accounts Management Services. 515 N College Ave # B …We are therefore centrally located to recover debts throughout all of Mexico. 3. Local Experience. Unlike many of our competitors all cases are handled by the ...In Johnson v.Columbia Debt Recovery, a Washington district court awarded each plaintiff $30,000 in emotional distress damages under the Fair Debt Collection …Attorney at COLUMBIA DEBT RECOVERY LLC. Everett, WA 98213. 20816 44Th Avenue West. Lynnwood, WA 98036. Elizabeth K Morrison. Attorney at GORDON REES SCULLY MANSUKHANI LLP (WA) 701 Fifth Ave, Ste 2100. Seattle, WA 98104. COLUMBIA DEBT RECOVERY, LLC is a New Mexico Foreign Limited-Liability Company filed on November 1, 2017. The company's filing status is listed as Active and its File Number is 5546125 . The Registered Agent on file for this company is Corporation Service Company and is located at 110 E. Broadway St, Hobbs, NM 88240. The formula for the market value of debt is E((1-(1/(1 + R)^Y))/R) + T/(1 + R)^Y, where E is the annual interest expense, R is the cost of debt, T is the total debt and Y is the av...COMPLAINT against Columbia Debt Recovery LLC d/b/a Genesis filed by Athena Olinger. (Filing fee $402; Receipt number ATXNDC-13265539) Plaintiff will submit summons(es) for issuance. In each Notice of Electronic Filing, the judge assignment is indicated, and a link to the[LINK:Judges Copy Requirements] and[LINK:Judge Specific …Are you in the market for a new Nissan vehicle in Columbia, MO? Look no further than Joe Machens Nissan. Located conveniently in Columbia, Joe Machens Nissan offers a wide selectio...Columbia Debt Recovery, et al (4:22-cv-01033), Texas Eastern District Court, Filed: 12/06/2022 - PacerMonitor Mobile Federal and Bankruptcy Court PACER Dockets. ... 15:1692 Fair Debt Collection Act: Case Filed: Dec 06, 2022: Terminated: Feb 16, 2024: Docket; Parties (5) Last ...The Brisbane Magistrates Court is a court of summary jurisdiction in Queensland, Australia. It deals with minor criminal and civil matters, including traffic offences, debt recover...Feb 6, 2024 · I called COLUMBIA DEBT RECOVERY LLC DBA GENESIS and requested debt letter on August 7th, 2023. I let the representative know this amount is incorrect. The letter states I had until 09/11/2023 with ... Free Business profile for COLUMBIA DEBT RECOVERY LLC at 906 Se Everett Mall Way, Everett, WA, 98208-3744, US. COLUMBIA DEBT RECOVERY LLC specializes in: Management Services. Columbia Debt Recovery, LLC is a collection agency located in Everett, WA. They have been in business since 2017. Address: 906 SE Everett Mall Way, Suite 300, Everett, WA 98208 Phone Number: (425) 646-1132 Years in Business: 3 Business Started: 2017 Business Started Locally: yes Business Incorporated: no Type of Entity: LLC Website: https://www ... What is Columbia Recovery Group – CRG? Columbia Recovery Group, LLC (CRG) is a third-party collection agency that specializes in property management collections.CRG has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA) such as threatening to take actions that …Columbia Debt Recovery, LLC, dba: Genesis, specializes in collections for the multi-family industry. With of 50 years combined experience in collections, sales and customer …Aug 25, 2020 · Columbia Debt Recovery, LLC d/b/a Genesis 906 SE Everett Mall Way, Ste. 301 Everett, Wash. 98208 • this Order; • a Notice of Lawsuit & Request to Waive Service of Summons; • a Waiver of Service of Summons; and • the Complaint. Columbia Debt Recovery, LLC, 5:19-cv-01248 — Brought to you by Free Law Project, a non-profit dedicated to creating high quality open legal information. Andrew Hodlofski v. Columbia Debt Recovery, LLC, 5:19-cv-01248 – CourtListener.comColumbia Debt Recovery, LLC dba Genesis Credit Management, LLC liable for violations of the Fair Debt Collection Practices Act (“FDCPA”) 15 U.S.C. §§ 1692e and 1692f and the Washington Collection Agency Act (“WCAA”). Dkt. #12. The key issues of law at trial were: 1) what damages are available to Plaintiffs AntonioSee Williams v. Columbia Debt Recovery, LLC, 579 F.Supp.3d 1203, 1210 (W.D. Wash. 2022) (finding Defendant's false and misleading statements were material because the letter at issue did not clearly or accurately state the total amount due and, therefore, the least sophisticated debtor would have been unable to identify the accurate sum owed).I requested the verification of the debt from Columbia Debt Recovery, LLC dba GENESIS on 12/02/2023 by Select one Phone and was informed by one of their representatives that they were unable to ...Find company research, competitor information, contact details & financial data for COLUMBIA DEBT RECOVERY, LLC of Everett, WA. Get the latest business insights …COLUMBIA DEBT RECOVERY LLC DBA GENESIS This is an attempt to collect a debt. Any information will be used for that purpose. As of the date of this letter you owe the amount stated above. Your account bears interest at 0.00% percent per annum.On 09/15/2021 Bryan Sullivan filed a Contract - Debt Collection lawsuit against Columbia Debt Recovery LLC d/b/a Genesis Credit Management LLC. This case was filed in New York County Courts, Supreme Court Civil Term located in Otsego, New York. The case status is Pending - Other Pending. Case Details Parties Documents Dockets.Plaintiff: Kristi Hoestenbach: Defendant: Columbia Debt Recovery, LLC: Case Number: 1:2020cv00114: Filed: January 31, 2020: Court: US District Court for the Western ... COLUMBIA DEBT RECOVERY, LLC is a Maryland Foreign LLC filed on January 24, 2019. The company's filing status is listed as Active and its File Number is Z19377423 . The Registered Agent on file for this company is Csc-Lawyers Incorporating Service Compan and is located at 7 St. Paul Street Suite 820, Baltimore, MD 21202. COLUMBIA DEBT RECOVERY, LLC is a Mississippi Foreign Limited-Liability Company filed on March 12, 2021. The company's filing status is listed as Good Standing and its File Number is 1265584. The Registered Agent on file for this company is C. T. Corporation System and is located at 645 Lakeland East Drive Ste 101, Flowood, MS 39232.In Gebreseralse v.Columbia Debt Recovery, LLC, the plaintiff, a tenant under a residential lease agreement, vacated the premises early due to concerns over the property’s condition.In response, the property management company engaged a collection agency to recover the remaining amounts claimed as due and owing under the lease.View customer complaints of Columbia Debt Recovery, LLC dba GENESIS, BBB helps resolve disputes with the services or products a business provides.Columbia Debt Recovery LLC, No. 2:20-cv-01602, 2021 WL 952559, at *4 (W.D. Wash. Feb. 10, 2021) (quoting Dawson, 2017 WL 5668073, at *4). Because Plaintiff has pleaded facts alleging that Defendant attempted to collect an amount not owed, the Court denies Defendant's motion to dismiss Plaintiff's claim …Case Summary. On 03/25/2021 Reisenauer filed a Finance - Consumer Credit lawsuit against Columbia Debt Recovery. This case was filed in U.S. District Courts, Washington Eastern District Court. The Judge overseeing this case is Stanley A Bastian. The case status is Pending - Other Pending.Columbia Commercial Collectors Near Me. If your business is struggling to collect on revenue owed to you for services provided, let Mesa Revenue Partners help.In Johnson v. Columbia Debt Recovery, a Washington district court awarded each plaintiff $30,000 in emotional distress damages under the Fair Debt Collection Practices Act (FDCPA), $120 in treble actual damages under the Washington Collection Agency Act (WCAA) and the Washington Consumer …AMCOL Systems is a collection agency located in Columbia, SC. They have been in business since 1984. American Credit & Collections. 570-207-3383; 866-760-6205 ...Choosing the right university can be a daunting task, especially when there are so many options available. If you’re considering Columbia University Southern, you may be wondering ...In Gebreseralse v.Columbia Debt Recovery, LLC, the plaintiff, a tenant under a residential lease agreement, vacated the premises early due to concerns over the property’s condition.In response, the property management company engaged a collection agency to recover the remaining amounts claimed as due and owing under the lease.Hello. I just got called by Genesis Debt Collection linked over to this website called Columbia Debt Recovery saying I owe water/sewage, etc backcharged from my last flat. I looked them up on Reddit, saw that this happens frequently. So - I called my last flat and asked them to look at my accounts and they confirmed they DID send …COLUMBIA DEBT RECOVERY, LLC dba GENESIS CREDIT MANAGEMENT, LLC, Defendant. Case No. C20-573RSM ORDER GRANTING PLAINTIFFS’ ... Plaintiffs move for summary judgment on Defendant’s liability under the Fair Debt Collection Practices Act (“FDCPA”) and Washington Collection Agency Act (“WCAA”), but do not move for the …Columbia Debt Recovery, LLC, dba: Genesis, specializes in collections for the multi-family industry. With of 50 years combined experience in collections, sales and customer service, Columbia Debt Recovery, LLC provides organizations the ability to take back control of their delinquent accounts. Our management and sales …Columbia Debt Recovery, LLC, 2020 WL 12812297 (2020). Case No. 2:19-CV-1909 is pending in the U.S. District Court for the Western District of Washington. 2 4 No. 82976-9-I/5 review, a panel of judges granted Gebreseralse’s motion to modify and accepted review.If you’re looking for stylish and functional outdoor clothing, Columbia is a great option. They offer a wide range of clothing for all kinds of activities, from hiking and camping ...Powerful tools. Customizable Plans. Giving you the tools to manage your debt with us. Sign in anywhere and anytime. It's fast and easy.Choosing the right university can be a daunting task, especially when there are so many options available. If you’re considering Columbia University Southern, you may be wondering ...Defendant Columbia Debt Recovery, LLC (CDR) opposes (Dkt. 28). CDR separately moves to stay the matter pending the outcome of Columbia Debt Recovery, LLC v. Wakeem Williams, No. 127503, currently pending in Thurston County District Court (Thurston County Matter) relating to the underlying debt …A collections agency that operates in multiple locations and has a B- rating from BBB. Read customer reviews, complaints and contact information for this business.May 31, 2019 ... Our services span both national and international domains, enabling us to navigate the intricacies of debt recovery and credit risk mitigation ...Step 1: Identify your goal. Step 2: Gather information to weigh all options. Step 3: Consider the consequences. Step 4: Make your decision. Step 5: Evaluate your decision. Columbia Collection knows the goal of revenue recovery, maintaining a business’s reputation in the community, treating customers/patients with respect, …Genesis Credit Management Employee Directory. Genesis Credit Management corporate office is located in 7100 Evergreen Way Ste C, Everett, Washington, 98203, United States and has 134 employees. genesis credit management. columbia debt recovery llc.Jun 30, 2023 · Genesis Credit Management, LLC / Columbia Debt Recovery, LLC Contact Information. Address: Genesis Credit Management, LLC 906 SE Everett Mall Way Ste 301 Everett, WA 98203. Phone number: (866) 863-9194 or (509) 836-5558. debt recovery, Multifamily, Collections, Licensed, Legal Collection Service, and Credit Reporting Locations Primary 906 SE Everett Mall Way ... This website is maintained by a debt collector for the purpose of collecting debts. We will use any information we obtain for that purpose. We record and monitor all incoming and outgoing phone calls to our office.A collections agency that operates in multiple locations and has a B- rating from BBB. Read customer reviews, complaints and contact information for this business. | Cpttpcfms (article) | Myvygu.