Attorney Richard R Hubbard 508-278-5800

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All sea creatures rely on other sea creatures for food to survive. At the bottom of the food chain are the sea plants and plankton. Many types of fish and animals such as the snail, shrimp, jellyfish, and sea star eat the plankton.

The small animals and fish who eat plankton then become food for larger fish, such as the tuna and mackeral.

These fish are then eaten by larger fish and animals, such as the shark and dolphin.

And who eats the shark? Check out the menu at a seafood restaurant next time you are eating there. Don't be surprised if you find shark on the menu!


Attorney Hubbard is an avid fish keeper.  Guests to his office are greeted by a 250 gallon (10 foot long) salt water aquarium.  It features fish from four corners of the world, and children and adults alike have been known to spot the "stars" of Finding Nemo happily sharing space with one another.  He keeps a 75 gallon tank of freshwater fish with over 20 varieties of live plants next to his desk.  At home, he has six more aquariums of fresh and salt water fish, which he tends with his 10 year old son, when they aren't fishing at the local pond.
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About the Collections Industry


Published: Tuesday, June 21, 2005 by the ACA International
The collection industry serves an important role in the U.S. economy by recovering billions in revenue for U.S. companies. By returning this money to businesses, the collection industry saves American families an average of $331 a year in money they otherwise would have spent if businesses raised their prices to cover losses to bad debt. The private collection industry also works for federal government agencies, state and local municipalities, recovering $610 million in 2004 for the federal government alone.Third–party debt collectors service accounts referred to them by various credit grantors, including credit card issuers, banks, local retail stores, service businesses, federal, state and local governments—any business or government unit that extends credit, offers payment installment plans or makes assessments. The nation's collection professionals are often an extension of local businesses. Each year, collectors help hundreds of thousands of U.S. businesses, small and large, keep unpaid debt costs manageable. When customers don't pay their bills, the industry can help these merchants stay in business. To collect on unpaid debt, the collection industry follows very specific, federally regulated guidelines that establish consumers' rights and collectors' responsibilities. These guidelines include laws such as the Fair Debt Collection Practices Act, which was enacted in 1977 with the support of ACA, and the Fair Credit Reporting Act. The collection industry uses leading edge technologies and training to ensure that collectors work most effectively and efficiently with consumers to resolve debt problems. The collection industry creates thousands of new American jobs each year in small towns and major metropolitan areas. The collection industry employs 445,000 collectors, with employment expected to grow between 21 percent and 35 percent by 2012.