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Across 2. CODE OF 4. WE ______ THE CHECK TWICE 10. ENERGIZE 12. WORTHLESS 13. BREAKING THE LAW 14. NOW WE HAVE TWO 16. CONSUMER IS ___________ TO RESPECT 18. ____________ PARTY 19. NOT HAPPY 21. IT IS __________ THE RESOLUTION OF THE ACCOUNT 22. FOLLOW, OBEY 24. WHO WE CONTACT 25. AT TIMES WE MUST BE A _____________. 28. WHAT HAPPENS WITH SOME PAYMENTS 29. NAVAL YES 31. MINI MIRANDA ON CALLS 32. BRANCHES or UNITS 34. MAY BE TIME OR MONEY 38. ABODE 39. VERY IMPORTANT 40. FEE CHARGED 41. NOT NECESSARILY A LAW or REGULATION

Down 1. PERSON MOST RESPONSIBLE FOR MY SUCCESS OR FAILURES 3. WHAT JIM PREACHES 5. EVADE 6. TO ASK FOR 7. CAUTIOUS 8. WE ALL HAVE OUR _____________. 9. $$$ 11. FROWNED UPON BY THE FDCPA 12. MORE THAN A WANT 15. PERIL OF SNAIL MAIL 17. FOUND ON MOST INSURANCE CARDS 20. SKIP __________. 22. BEHIND 23. HOW WE DO OUR JOB 26. REFRAIN FROM DOING THIS 27. TYPE OF DEBT 30. CONSUMER MAY TRY TO ________AROUND THE ISSUE 33. WE CAN NOT TALK TO WITHOUT PERMISSION 35. MOST HAVE TWO 36. PRESIDENT CLINTON ASKED FOR A DEFINITION? 37. WE NEED TO _____________ WHAT THE CONSUMER IS SAYING