Caineandweiner - Colorado Office: Telephone 303-468-5779, 7200 S Alton Way, Suite B180, Centennial, CO 80112. IDAHO: TOLL FREE NUMBER 1-866-226-5971. MASSACHUSETTS: NOTICE OF IMPORTANT RIGHTS. YOU HAVE THE RIGHT TO MAKE A WRITTEN OR ORAL REQUEST THAT TELEPHONE CALLS REGARDING YOUR DEBT NOT BE MADE TO YOU AT YOUR PLACE OF EMPLOYMENT.

 
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Welcome to Caine & Weiner’s Payment Portal. To reach us by phone please call 818 226-6000 or by e-mail via the following link: E-MAIL.Login Page. This is an attempt to collect a debt by a debt collector and any information obtained will be used for that purpose. Resource Center: Express Pay. Debit/Credit Cards. To make a credit card payment online you need your C&W Account # and the 5 digit zip code that matches in our records. Your C&W account number is 7 or 8 digits and can ...201 to 500 Employees. 3 Locations. Type: Company - Private. Founded in 1930. Revenue: $100 to $500 million (USD) Financial Transaction Processing. Competitors: Unknown. Caine & Weiner is a leading full-service Accounts Receivable Management enterprise with a network of national collection centers strategically located throughout the country.According to the Better Business Bureau (BBB), Caine & Weiner, Inc.was founded in 1930 and incorporated in 1959. C&W has been a BBB-accredited business since 2006. The BBB lists Caine & Weiner as a collection system and collection agency. Buzzfile estimates C&W’s annual revenue at $25 million and the size of its headquarters staff at 90 ...Caine & Weiner adheres to the highest ethical practices and complies with all Federal and State regulations covering consumer and commercial collection activity, which include the Fair Debt Collections Practices Act (FDCPA). The state requirements that collection agencies must comply with vary in each state. In some only registration is required; some accept the filing of a letter of exemption ... Solution-based Accounts Receivable ManagementWe enhance cash flow for the global business community through the creative and effective utilization of accounts receivable management systems and innovative solutions.Where tradition meets innovationSince 1930, Caine & Weiner has established a tradition of providing effective and comprehensive solution-based collection services to some of the most ... Work wellbeing score is 64 out of 100. 64. 2.9 out of 5 stars. 2.9I do not have a contract with the collection agency Caine and Weiner company. They did not provide with me the original contract as requested. Business response. 07/20/2023.Furthermore, Caine & Weiner Company Inc would be required to pay your attorney fees and court costs. Please call 952-295-3935 now or fill out our Free Case Evaluation Form and one of our attorneys handling Debt Collector Harassment can evaluate your case at no charge to you.How soon can I expect my money once the debtor remits payment to you? Remittance or holdover periods, the time between collection of the debt and submission of the payment to the creditor, widely vary. Although the standard period in the industry is 30 days, Caine & Weiner Company, Inc.’s weekly remittance period is 10 days.A few months after the account being paid in full, I disputed the derogatory entry on my credit report as Caine & Weiner Collection account still showed the $354 as unpaid collection. The credit bureau (s) agreed and removed the collection account entirely. In a matter of less than two weeks the entry reappeared with the original balance of ... Solution-based Accounts Receivable ManagementWe enhance cash flow for the global business community through the creative and effective utilization of accounts receivable management systems and innovative solutions.Where tradition meets innovationSince 1930, Caine & Weiner has established a tradition of providing effective and comprehensive solution-based collection services to some of the most ... A poor credit score resulting from Caine & Weiner is basically due to failure to repay debts as per an agreement. Additionally, defaulting on payments or leaving your pending debts to go to collections can also damage your credit score. Companies also make mistakes. It is also possible that Caine & Weiner may have made a false report. PFD Success!! Hi All! Thank you all again for all of the useful information you've been providing, it has helped me to increase my scores pretty quickly. Before I started rebuilding, I had 5 accounts in collections, 3 of which have been deleted after disputing. The other 2 I disputed but weren't budging.I do not have a contract with the collection agency Caine and Weiner company. They did not provide with me the original contract as requested. Business response. 07/20/2023.Specialties: Caine & Weiner is a solution-based accounts receivable management company that provides credit and collection services to America's leading companies. Established in 1930. When our company began in 1930, Herbert Hoover was in the White House, the stock market had crashed the prior year, and the Great Depression was about to begin. These were turbulent times. Amidst this backdrop ... Lisa Newberg, Assistant Vice President at Caine & Weiner. [email protected] 818-381-7727. . My Fun Facts: ★ Enjoy Deep Sea Fishing. ★ Learning Golf.Caine & Weiner is a solution-based accounts receivable management company that provides credit and collection services to America’s leading companies. Our clients are comprised of a broad cross-section of American industry; in fact, 20% of the Fortune 500 companies use our services. When our company began in 1930, Herbert Hoover was in the ...Paying or settling for less without the collection accounts being removed will have no impact on your score, with the exception of Fico 9. If they are unwilling to remove the items in exchange for payment, you can attempt contacting the original creditors and ask them to recall the debt and pay them directly.Mar 16, 2023 · Caine & Weiner has 81 employees. View Christine Collier's colleagues in Caine & Weiner Employee Directory. Rodney Jones. Supervisor, Accounting. Phone Email. Kara Vieau. Manager, Client Services. Phone Email. Manny Cardozo. PayNearMe may or may not charge a fee to use its service. Caine & Weiner Company, Inc. is a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. Caine & Weiner Company Inc.’s corporate address is: 5805 Sepulveda Blvd., 4th Floor, Sherman Oaks, CA 91411, phone 818-902-4255, hours 9am ... Celebrating 90 Years of Excellence in Global Receivables Solutions Caine & Weiner exceeds collection and compliance standards to help you meet your accounts receivable goals. View SolutionsOver $1B in placed accounts annually.Greg A. Cohen - President & CEOA Message from the CEO"Caine & Weiner is extremely proud to have served the credit and collections industry over the last 90 years ... They would give a $0.25 and then minimum wage would go up, which defeated the purpose of a raise. Management goes based on favoritism. HR backs managers and managers will call a meeting only to put the employees on the spot for speaking of their discomfort in the work environment. Extremely toxic work place. Pros.12005 Ford Rd. Dallas, TX 75234-7230. Get Directions. Email this Business. (877) 343-6568. Average of 5 Customer Reviews. Start a Review.Found 6 reviews matching the search See all 93 reviews. weiner collection commission office high manager lot employee. Caine and Weiner has a very relaxed atmosphere. they attempt to be flexible with employees work life schedule. They attempt to offer fun employee ince. Compliance Manager (Current Employee) - Farmers Branch, TX - October 12, 2019.A few months after the account being paid in full, I disputed the derogatory entry on my credit report as Caine & Weiner Collection account still showed the $354 as unpaid collection. The credit bureau (s) agreed and removed the collection account entirely. In a matter of less than two weeks the entry reappeared with the original balance of ...A few months after the account being paid in full, I disputed the derogatory entry on my credit report as Caine & Weiner Collection account still showed the $354 as unpaid collection. The credit bureau (s) agreed and removed the collection account entirely. In a matter of less than two weeks the entry reappeared with the original balance of ... Apr 17, 2017 · Caine & Weiner Company, Inc. is facing a lawsuit filed by a New York man who claims the debt collector violated the Fair Debt Collection Practices Act by failing to clearly indicate the name of his alleged creditor in a collection letter. The letter supposedly states “Re: ANTHEM” but does not indicate whether Anthem is the creditor to whom ... Found 6 reviews matching the search See all 93 reviews. weiner collection commission office high manager lot employee. Caine and Weiner has a very relaxed atmosphere. they attempt to be flexible with employees work life schedule. They attempt to offer fun employee ince. Compliance Manager (Current Employee) - Farmers Branch, TX - October 12, 2019.Caine & Weiner is a collection agency located in Sherman Oaks, CA. They have been in business since 1930. Address: 5805 Sepulveda Blvd 4th floor, Sherman Oaks, CA 91411 Phone Number: (818) 226-6000 Years in Business: 90 Business Started: 1930 Business Started Locally: yes Business Incorporated: yes Type of Entity: corporation Website: https ... Caine & Weiner On Your Credit Report? Updated: March 16, 2023. Caine & Weiner is a debt collection company. You may not have to pay your debt (paying it may hurt your score) Call now to find out if you can remove Caine & Weiner from your report - without paying your debt (potentially) Call (877) 709-0478. Trustpilot.Colorado Office: Telephone 303-468-5779, 7200 S Alton Way, Suite B180, Centennial, CO 80112. IDAHO: TOLL FREE NUMBER 1-866-226-5971. MASSACHUSETTS: NOTICE OF IMPORTANT RIGHTS. YOU HAVE THE RIGHT TO MAKE A WRITTEN OR ORAL REQUEST THAT TELEPHONE CALLS REGARDING YOUR DEBT NOT BE MADE TO YOU AT YOUR PLACE OF EMPLOYMENT.mail323. · 5 yr. ago . Try to pay Progressive directly and then dispute with the debt collector and your credit reports. 1. level 2. [deleted] · 5 yr. ago. Once the debt is sold, the creditor wont talk to you. Progressice can't sell a debt then collect it too.Jun 22, 2023 · 1 star. 04/22/2021. Most awful Collection company I have dealt with, saw their name on my credit report and contacted to pay collection in full . refused to provide bill of amount owed. Super ... A few months after the account being paid in full, I disputed the derogatory entry on my credit report as Caine & Weiner Collection account still showed the $354 as unpaid collection. The credit bureau (s) agreed and removed the collection account entirely. In a matter of less than two weeks the entry reappeared with the original balance of ...Login Page. This is an attempt to collect a debt by a debt collector and any information obtained will be used for that purpose. Resource Center: Express Pay. Debit/Credit Cards. To make a credit card payment online you need your C&W Account # and the 5 digit zip code that matches in our records. Your C&W account number is 7 or 8 digits and can ... The most effective way to deal with Caine and Weiner is to work with a credit repair professional. They help remove millions of negative items every year from companies like Caine & Weiner on behalf of their clients. Will Caine & Weiner sue me or garnish my wages? Caine & Weiner has the legal right to sue you for the unpaid debt.Welcome to Caine & Weiner’s Payment Portal. To reach us by phone please call 818 226-6000 or by e-mail via the following link: E-MAIL. Colorado Office: Telephone 303-468-5779, 7200 S Alton Way, Suite B180, Centennial, CO 80112. IDAHO: TOLL FREE NUMBER 1-866-226-5971. MASSACHUSETTS: NOTICE OF IMPORTANT RIGHTS. YOU HAVE THE RIGHT TO MAKE A WRITTEN OR ORAL REQUEST THAT TELEPHONE CALLS REGARDING YOUR DEBT NOT BE MADE TO YOU AT YOUR PLACE OF EMPLOYMENT.Mar 16, 2023 · Caine & Weiner On Your Credit Report? Updated: March 16, 2023. Caine & Weiner is a debt collection company. You may not have to pay your debt (paying it may hurt your score) Call now to find out if you can remove Caine & Weiner from your report - without paying your debt (potentially) Call (877) 709-0478. Trustpilot. Senior Manager - Business Development. (619) 640-8762. West Coast. Bio. Fred Paisley brings more than 30 years of commercial portfolio experience in the ARM industry to Caine & Weiner. His passion for finding the best solution to support a company’s need for driving revenue is his forte. Fred is known for his ability to help businesses of all ...Specialties: For over eight decades the world's leading businesses have relied on Caine & Weiner's team of certified collectors to collect their bad debts and past due accounts. Caine & Weiner is a leading Full-service Accounts Receivable Management Enterprise, with a network of National Collection Centers strategically located throughout the country. Client satisfaction is our highest ...How soon can I expect my money once the debtor remits payment to you? Remittance or holdover periods, the time between collection of the debt and submission of the payment to the creditor, widely vary. Although the standard period in the industry is 30 days, Caine & Weiner Company, Inc.’s weekly remittance period is 10 days. Performance. Over $800 million has been recovered for Caine & Weiner clients. Annual growth for the past ten years has exceeded 20%. Caine & Weiner remains a privately held company that does not rely on outside investors. They are financially strong, well staffed and effective. Investments in technology have increased productivity by 42%, which ... PayNearMe may or may not charge a fee to use its service. Caine & Weiner Company, Inc. is a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. Caine & Weiner Company Inc.’s corporate address is: 5805 Sepulveda Blvd., 4th Floor, Sherman Oaks, CA 91411, phone 818-902-4255, hours 9am ...Welcome to Caine & Weiner’s Payment Portal. To reach us by phone please call 818 226-6000 or by e-mail via the following link: E-MAIL.PayNearMe may or may not charge a fee to use its service. Caine & Weiner Company, Inc. is a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. Caine & Weiner Company Inc.’s corporate address is: 5805 Sepulveda Blvd., 4th Floor, Sherman Oaks, CA 91411, phone 818-902-4255, hours 9am ...+1-818-902-4255; 5805 Sepulveda Blvd. 4th Floor Sherman Oaks, CA 91411, USA; For a full list of our locations, please click here.Solution-based Accounts Receivable ManagementWe enhance cash flow for the global business community through the creative and effective utilization of accounts receivable management systems and innovative solutions.Where tradition meets innovationSince 1930, Caine & Weiner has established a tradition of providing effective and comprehensive solution-based collection services to some of the most ...Caine & Weiner Company, Inc. is a solution-based accounts receivable management company that provides credit and collection services to America’s leading companies. Our clients are comprised of a broad cross-section of American industry; in fact, 20% of the Fortune 500 companies use our services. When our company began in 1930, Herbert Hoover ...Leadership TeamGreg A. CohenPresident & [email protected] Coast CenterShamaria SmallisChief of [email protected] Coast CenterJoe BatieChief Commercial [email protected] Coast CenterMark MilsteinChief Operating [email protected] Coast CenterChris MathewsChief ...A few months after the account being paid in full, I disputed the derogatory entry on my credit report as Caine & Weiner Collection account still showed the $354 as unpaid collection. The credit bureau (s) agreed and removed the collection account entirely. In a matter of less than two weeks the entry reappeared with the original balance of ...Senior Manager - Business Development. (619) 640-8762. West Coast. Bio. Fred Paisley brings more than 30 years of commercial portfolio experience in the ARM industry to Caine & Weiner. His passion for finding the best solution to support a company’s need for driving revenue is his forte. Fred is known for his ability to help businesses of all ... Aug 20, 2023 · At Caine and Weiner you're pretty much set for job security. There's so many coming in and out, that if you can work even moderately well you'll be able to stay easily. Most of the higher-ups in office are reasonable, and are willing to work with you if you have a strained schedule. Job itself is very easy. A few months after the account being paid in full, I disputed the derogatory entry on my credit report as Caine & Weiner Collection account still showed the $354 as unpaid collection. The credit bureau (s) agreed and removed the collection account entirely. In a matter of less than two weeks the entry reappeared with the original balance of ... Aug 20, 2023 · At Caine and Weiner you're pretty much set for job security. There's so many coming in and out, that if you can work even moderately well you'll be able to stay easily. Most of the higher-ups in office are reasonable, and are willing to work with you if you have a strained schedule. Colorado Office: Telephone 303-468-5779, 7200 S Alton Way, Suite B180, Centennial, CO 80112. IDAHO: TOLL FREE NUMBER 1-866-226-5971. MASSACHUSETTS: NOTICE OF IMPORTANT RIGHTS. YOU HAVE THE RIGHT TO MAKE A WRITTEN OR ORAL REQUEST THAT TELEPHONE CALLS REGARDING YOUR DEBT NOT BE MADE TO YOU AT YOUR PLACE OF EMPLOYMENT. The collection agency, Caine and Weiner took it over. I have avoided paying them for two years. However, last week I paid the outstanding balance directly to Progressive so I could get a new policy through them. Now that I paid the amount due directly to Progressive, what happens to the collection? Am I still responsible to Caine and Weiner? Home - Caine & Weiner Pay Bill Online Customer Assistance Pay By Phone: 1-818-902-4255 Log In Over $1B in placed accounts annually. Greg A. Cohen - President & CEO A Message from the CEO "Caine & Weiner is extremely proud to have served the credit and collections industry over the last 90 years.Location of This Business. 1699 E Woodfield Rd # 360, Schaumburg, IL 60173-4935. BBB File Opened: 5/12/2004. Years in Business: 93. Business Started: 1/1/1930. Business Started Locally:Oct 7, 2022 · This blog post will give you an overview of what Caine & Weiner is and provide some tips on how to handle their calls. Paying or settling for less without the collection accounts being removed will have no impact on your score, with the exception of Fico 9. If they are unwilling to remove the items in exchange for payment, you can attempt contacting the original creditors and ask them to recall the debt and pay them directly. Caine and Weiner will do PFD (delete off credit report after payment). Was the convergence a utility bill. If so, then have the utility company pull back the collection and pay the utility company direct. Per their letter, Caine and Weiner are attempting to collect a small debt from me that I do not owe. I sent a request for Validation of Debt via CMRR on Sept 29, 2010. They have since called demanding payment. They deny having received my request for validation even though I have signed receipt.A few months after the account being paid in full, I disputed the derogatory entry on my credit report as Caine & Weiner Collection account still showed the $354 as unpaid collection. The credit bureau (s) agreed and removed the collection account entirely. In a matter of less than two weeks the entry reappeared with the original balance of ... do you use credit karma? you can dispute anything in the app. i raised my score to 710 from 520. all i did was pay off all collection items, disputing every single thing. i would pay the collection, make sure they were going to agree to delete (all did), then i’d go straight to CK and dispute it. i’m talking within minutes of paying off the bill. a few days later, my dispute is complete ...Jun 22, 2023 · 1 star. 04/22/2021. Most awful Collection company I have dealt with, saw their name on my credit report and contacted to pay collection in full . refused to provide bill of amount owed. Super ... PayNearMe may or may not charge a fee to use its service. Caine & Weiner Company, Inc. is a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. Caine & Weiner Company Inc.’s corporate address is: 5805 Sepulveda Blvd., 4th Floor, Sherman Oaks, CA 91411, phone 818-902-4255, hours 9am ...Caine and Weiner’s approach to debt collection is based on a strict code of ethics and compliance with relevant laws and regulations. They work closely with their clients to devise personalized strategies that meet their specific needs. This includes understanding the nature of the debt, communicating professionally with debtors, and ...the consumer If it is determined that the debt does not belong to the consumer our account will be closed accordingly. Useful. Reply. Reporter3827703. Caine and Weiner is an absolute terrible companyI felt harassed and demoralized while on a phone call on 11/06/.Caine & Weiner Co Inc. Caine & Weiner Company, Inc. provides accounts receivable management services. The Company offers consumer and commercial third party debt collection, first party debt ...Caine & Weiner is a collection agency located in Sherman Oaks, CA. They have been in business since 1930. Address: 5805 Sepulveda Blvd 4th floor, Sherman Oaks, CA 91411 Phone Number: (818) 226-6000 Years in Business: 90 Business Started: 1930 Business Started Locally: yes Business Incorporated: yes Type of Entity: corporation Website: https ... Caine & Weiner Company, Inc., is a collection agency acting as debt collector. This is an attempt to collect a debt by a debt collector and any information obtained will be used for that purpose. Caine & Weiner Company, Inc., is not a law firm.Sep 21, 2018 · Re: My last ups - Progressive / Caine weiner. If Progressive has not sold the debt, you can still pay them directly. If they have sold it, you would need to make payment to the CA with authority of debt. They are not required to delete the collection account based on payment of debt. They are required to update the balance to $0 once debt has ... Reviews from Caine & Weiner employees about Caine & Weiner culture, salaries, benefits, work-life balance, management, job security, and more.Feb 7, 2019 · PFD Success!! Hi All! Thank you all again for all of the useful information you've been providing, it has helped me to increase my scores pretty quickly. Before I started rebuilding, I had 5 accounts in collections, 3 of which have been deleted after disputing. The other 2 I disputed but weren't budging. Oct 19, 2022 · Caine and Weiner is a third-party debt collection agency based in Sherman Oaks, California. It purchases a wide variety of overdue consumer and business debts, including credit cards, loans, and medical debts. The company has been around since 1930, making it one of the oldest debt collection agencies in the United States. Caine & Weiner is a solution-based accounts receivable management company that provides credit and collection services to America’s leading companies. Our clients are comprised of a broad cross-section of American industry; in fact, 20% of the Fortune 500 companies use our services. When our company began in 1930, Herbert Hoover was in the ... PayNearMe may or may not charge a fee to use its service. Caine & Weiner Company, Inc. is a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. Caine & Weiner Company Inc.’s corporate address is: 5805 Sepulveda Blvd., 4th Floor, Sherman Oaks, CA 91411, phone 818-902-4255, hours 9am ...

Jan 10, 2023 · If the information on your credit report is inaccurate, fraudulent or in error, you can have it removed by contacting the company and credit bureaus. If the information appears on your report because it’s accurate, you may be able to remove it with a pay-for-delete. Caine & Weiner is an accounts receivable company, also known as a debt collector. . Gandr tactical

caineandweiner

We found clear and detailed contact information for Caine & Weiner. The company provides a physical address, phone number, and email, as well as 3 social media accounts. This demonstrates a commitment to customer service and transparency, which is a positive sign for building trust with customers. By resolving 75% of 4 negative reviews, Caine ...12005 Ford Rd. Dallas, TX 75234-7230. Get Directions. Email this Business. (877) 343-6568. Average of 5 Customer Reviews. Start a Review.Solution-based Accounts Receivable ManagementWe enhance cash flow for the global business community through the creative and effective utilization of accounts receivable management systems and innovative solutions.Where tradition meets innovationSince 1930, Caine & Weiner has established a tradition of providing effective and comprehensive solution-based collection services to some of the most ...At Caine and Weiner you're pretty much set for job security. There's so many coming in and out, that if you can work even moderately well you'll be able to stay easily. Most of the higher-ups in office are reasonable, and are willing to work with you if you have a strained schedule.A poor credit score resulting from Caine & Weiner is basically due to failure to repay debts as per an agreement. Additionally, defaulting on payments or leaving your pending debts to go to collections can also damage your credit score. Companies also make mistakes. It is also possible that Caine & Weiner may have made a false report. Actual Sample Letter. I am demanding that Caine & Weiner Company provide me with proof to validate the debt that they are alleging I owe them. This request is based on the rights offered to me through the Fair Debt Collection Practices Act, which can be found at 15 USC 1692g Sec. 809 (b). I demand specific information regarding this debt. Re: My last ups - Progressive / Caine weiner. If Progressive has not sold the debt, you can still pay them directly. If they have sold it, you would need to make payment to the CA with authority of debt. They are not required to delete the collection account based on payment of debt. They are required to update the balance to $0 once debt has ...Caine and Weiner has a very relaxed atmosphere. they attempt to be flexible with employees work life schedule. They attempt to offer fun employee ince Compliance Manager (Current Employee) - Farmers Branch, TX - October 12, 2019Specialties: Caine & Weiner is a solution-based accounts receivable management company that provides credit and collection services to America's leading companies. Established in 1930. When our company began in 1930, Herbert Hoover was in the White House, the stock market had crashed the prior year, and the Great Depression was about to begin. These were turbulent times. Amidst this backdrop ...Being contacted by a debt collector can be stressful. Unfortunately, if you have unpaid debts, it’s a reality you may have to face. The good news is that you can take steps to deal with debt collectors and protect your rights.16 Caine & Weiner jobs available on Indeed.com. Apply to Collection Agent, Collection Manager, Customer Service Representative and more! Furthermore, Caine & Weiner Company Inc would be required to pay your attorney fees and court costs. Please call 952-295-3935 now or fill out our Free Case Evaluation Form and one of our attorneys handling Debt Collector Harassment can evaluate your case at no charge to you.Mar 16, 2023 · Caine & Weiner has 81 employees. View Christine Collier's colleagues in Caine & Weiner Employee Directory. Rodney Jones. Supervisor, Accounting. Phone Email. Kara Vieau. Manager, Client Services. Phone Email. Manny Cardozo. Specialties: For over eight decades the world's leading businesses have relied on Caine & Weiner's team of certified collectors to collect their bad debts and past due accounts. Caine & Weiner is a leading Full-service Accounts Receivable Management Enterprise, with a network of National Collection Centers strategically located throughout the country. Client satisfaction is our highest ...Caine & Weiner adheres to the highest ethical practices and complies with all Federal and State regulations covering consumer and commercial collection activity, which include the Fair Debt Collections Practices Act (FDCPA). The state requirements that collection agencies must comply with vary in each state. In some only registration is required; some accept the filing of a letter of exemption ....

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