The term does not include --(A) any officer or employee of a creditor while, in the name of the creditor, collecting debts for such creditor;(B) any person while acting as a debt collector for another person, both of whom are related by common ownership or affiliated by corporate control, if the person acting as a debt collector does so only for persons to whom it is so related or affiliated and if the principal business of such person is not the collection of debts;(C) any officer or employee of the United States or any State to the extent that collecting or attempting to collect any debt is in the performance of his official duties;(D) any person while serving or attempting to serve legal process on any other person in connection with the judicial enforcement of any debt;(E) any nonprofit organization which, at the request of consumers, performs bona fide consumer credit counseling and assists consumers in the liquidation of their debts by receiving payments from such consumers and distributing such amounts to creditors; and(F) any person collecting or attempting to collect any debt owed or due or asserted to be owed or due another to the extent such activity (i) is incidental to a bona fide fiduciary obligation or a bona fide escrow arrangement; (ii) concerns a debt which was originated by such person; (iii) concerns a debt which was not in default at the time it was obtained by such person; or (iv) concerns a debt obtained by such person as a secured party in a commercial credit transaction involving the creditor.(7) The term "location information" means a consumer's place of abode and his telephone number at such place, or his place of employment.(8) The term "State" means any State, territory, or possession of the United States, the District of Columbia, the Commonwealth of Puerto Rico, or any political subdivision of any of the foregoing.15 USC 1692b

The Pinellas County Urban League as well as many other community organizations have many programs in place for grade school children, teenagers through young adult.

Chuck Holland the legal organization you are talking about is called captive insurance.

Tenant organizations teach tenants how to "bleed the landlord dry" techniques.

I called you a cop hater because you started a thread comparing them to organized crime.

Organize a homeowners/property owners association.

He already has health insurance and his own grown up paycheck and I pay him a little more than the apartment does.

They find properties they can buy below market prices by use of classified want ads, driving traffic to their website (both organically and PPC), "bandit" signs, billboards, paying referral fees to bird dogs, real estate agents, plumbers, etc, networking at real estate investment clubs, landlord clubs, or other real estate associations, contacting bankruptcy trustees, biding at foreclosure, tax and constable sales, looking for probate estate listings, driving neighborhoods looking for abandoned properties or run down properties, trolling county assessors property databases for "out of town" owners, etc.

It is very well organized and easy to use.

What grown man would spank another mans bare ***?