At a time when health care costs are soaring and so are the costs of health insurance, a faxed offer of low-cost health insurance--especially one that uses the name of a well-known health insurer, such as Blue Cross--might get your attention.

Here’s the catch:  MedAesthetica performs LipoZap procedures on clients seeking to shed body bulges.  At least some who undergo one or more treatments endure physical pain, swelling, and bruising, and at least as much mental anguish at the hands of the company’s customer service department--even if they can never contact it.

With gas and diesel prices at record highs and vehicle owners irate about not only those, but also prices of all sorts of goods and services that have shot upward as a result of fuel increases, it was predictable that entrepreneurs would materialize with solutions.

On November 30, back in 2005, Christopher Civitello filed suit against First Credit of America, a collection agency that had originally contacted him on July 20 of that year by leaving a voicemail message telling him it was urgent that he call a toll-free number regarding his account.