In order to continue further, you must agree to the following terms: • You are the Consumer • You are the Consumer’s Spouse • You are the Consumer’s Attorney • You are a person legally authorized to access this account by the Consumer and able to provide proof. • You authorize Faber and Brand and it’s agents to contact you via email or phone, including by cell phone. • You understand BALANCE is defined as the amount indicated on your account and represents the amount we either have or will ask a court to award if a law suit is filed or has already been filed against you. The balance may include interest, attorney’s fees, court costs or any additional amounts we could legally ask a court to award.