“Their representative . . . continues to call . . .  after repeatedly being told we want off their call list.  He calls several times a day and has said that he will have all his friends call also, just to annoy our company.”  If your guess would be that these statements came from a collection agency, you’re absolutely right.  But if your guess is that they came from a collection agency trying to collect a debt, you’re wrong.

Here’s the catch:  Financial Plus Investment snags investors by promising attractive returns.  But payments soon fizzle and investors soon sizzle as their plans, goals and dreams vanish along with their money and the company itself.  Everything about the company seems to be minus; the only plus is the one in its name.

In just what credit card transactions may a merchant require personal information of a customer?