We have dealt with Pat on numerous FDCPA cases. We consistently have every confidence that he understands our business, our tolerance for risk, and our long term objectives. He reviews each issue we have thoroughly from our perspective. He gives practical advice that works for our business model and is always conscientious in his billing processes. He is a great champion of our goals and is deliberate and responsible in his approach and responses. He always over delivers and has a genuine concern that we get our objectives satisfied .