Main Topics:
Anthony's desire to transition from plumbing to computer engineering.
Collection of Anthony's contact details and educational background.
Discussion about Anthony's interest in pursuing a computer engineering degree.
Hello. May I please…
Hello.
…speak with Anthony? Hello?
This is Anthony.
Hi Anthony. My name is Jeff and I'm calling on behalf of Education Experts from a quality monitored line.
Okay.
And I see here that you recently filled a form on the internet indicating an interest in earning a degree.
Yes.
Is that correct?
Yes.
I only need a few moments of your time to match…
Okay.
…you with the most appropriate schools. Are you at least 18 years of age?
Aa, yeah, I am 29.
29, okay. And do you currently have a high school diploma or a GED?
Yes, I do.
Okay, thank you Anthony. And if we can find a school for you that meets your needs, would you be interested in furthering your education in the next six months?
Yeah, of course. And the course I'd like to take up would be computer engineering.
Computer engineering, okay. And Anthony, I only need…
Yeah.
…a few moments of your time…
Okay.
…to verify your information. Your first name is Anthony and your last name is Pella, is this correct?
Yes.
Okay. Anthony, now if I may ask you, if we can find a school for you that meets your needs, would you be interested in furthering your education…
Yes.
…in the next six months? Okay.
Definitely.
Thank you, Anthony. Aa, could you please verify your complete address, including the city, state and the zip code?
All right. It's 1905 Bramblewood Drive, St. Cloud, Florida – 34769.
Okay. Is the Street Number 1905?
Yeah, 1905.
And the street name is Bramblewood Drive?
Yeah.
Is that correct?
Yeah, that's correct.
Okay. So it's 1905 Bramblewood Drive, St. Cloud, Florida – 34769.
Yes.
Is that correct?
Yeah.
Okay. And could you please verify your email address?
It's, aa, pellaanthony@yahoo.com. It's all one word.
Thank you so much for the verification, Anthony.
Yeah.
Now, aa, you mentioned computer engineering, right?
Mm-hmm.
Okay. May I ask what degree type are you looking to obtain? Is it Associate or {cross talk}?
Whatever I need to do. So if… if I get in the first door, I do Associates, probably move my way up the ladder, you know?
Okay. So…
Get my first one and then keep on going.
Okay. So, aa, it could be associate degree for the moment?
Yep.
Okay. Okay, Anthony, you've mentioned that you're 21—I'm sorry, 29 years old.
Mm-hmm.
Now, if I may ask, well, what's the highest level of education that you have completed?
I dropped out when I was in the 11th grade and I started doing plumbing. I've actually been doing plumbing for 13 years. I'm a registered apprentice. I actually only have to take the test to become a, aa, journeyman's… journeyman to open my own company and I'm not too fond of plumbing, you know what I'm saying? I need to—I want to do something else besides plumbing for the rest of my life.
Okay. And do you have a diploma or a GED?
I have a GED.
GED, okay. And what year did you obtain your GED if I may ask?
Um, 1999.
1999. Okay. And for your class type preference, would it be online, on campus or would it be self?
No, probably it would be campus. Probably it would be campus.
Campus, okay. And just in case we will not be able to find a campus-based school, would you be okay with an online school?
Yeah.
Okay. And are you a United States' citizen?
Yes, I am.
Thank you. And are you associated with the United States' military?
What was that?
Oh, I'm sorry. Are you associated with the United States' military?
No, I'm not.
Okay. And what would be the best time for a school enrollment counselor to contact you? Is it in the morning, afternoon or evening?
Um, pretty much any time of the day.
Okay. And what is your exact date of birth?
10-15-1980.
So that would be, aa, October 15, 1980?
That's correct.
Okay. Okay, Anthony, if we can find a school for you that meets your needs, school enrollment counselors will be contacting you in the near future…
Okay.
…either by phone or by email, and they can answer any questions you may have regarding financial aid, tuition assistance…,
Okay.
…their program requirements and policies.
Mm-hmm.
And so with that, I would just like to thank you for your time.
Okay.
And once again, we thank you for choosing Education Experts.
And thank you.
You… you are welcome.
All right.
Have a good day.
You too.
Bye.
Bye-bye.
Hello. May I please speak with Anthony? Hello?
This is Anthony.
Hi Anthony. My name is Jeff and I'm calling on behalf of Education Experts from a quality monitored line.
Okay.
And I see here that you recently filled a form on the internet indicating an interest in earning a degree.
Yes.
Is that correct?
Yes.
I only need a few moments of your time to match you with the most appropriate schools. Are you at least 18 years of age?
Aa, yeah, I am [REDACTED AGE].
[REDACTED AGE], okay. And do you currently have a high school diploma or a GED?
Yes, I do.
Okay, thank you Anthony. And if we can find a school for you that meets your needs, would you be interested in furthering your education in the next six months?
Yeah, of course. And the course I'd like to take up would be computer engineering.
Computer engineering, okay. And Anthony, I only need a few moments of your time to verify your information. Your first name is Anthony and your last name is Pella, is this correct?
Yes.
Okay. Anthony, now if I may ask you, if we can find a school for you that meets your needs, would you be interested in furthering your education in the next six months?
Yes.
Okay.
Definitely.
Thank you, Anthony. Aa, could you please verify your complete address, including the city, state and the zip code?
All right. It's [REDACTED ADDRESS].
Okay. Is the Street Number [REDACTED STREET NUMBER]?
Yeah, [REDACTED STREET NUMBER].
And the street name is [REDACTED STREET NAME]?
Yeah.
Is that correct?
Yeah, that's correct.
Okay. So it's [REDACTED FULL ADDRESS].
Yes.
Is that correct?
Yeah.
Okay. And could you please verify your email address?
It's, aa, [REDACTED EMAIL]. It's all one word.
Thank you so much for the verification, Anthony.
Yeah.
Now, aa, you mentioned computer engineering, right?
Mm-hmm.
Okay. May I ask what degree type are you looking to obtain? Is it Associate or {cross talk}?
Whatever I need to do. So if… if I get in the first door, I do Associates, probably move my way up the ladder, you know?
Okay. So…
Get my first one and then keep on going.
Okay. So, aa, it could be associate degree for the moment?
Yep.
Okay. Okay, Anthony, you've mentioned that you're [REDACTED AGE] years old.
Mm-hmm.
Now, if I may ask, well, what's the highest level of education that you have completed?
I dropped out when I was in the 11th grade and I started doing plumbing. I've actually been doing plumbing for 13 years. I'm a registered apprentice. I actually only have to take the test to become a, aa, journeyman's… journeyman to open my own company and I'm not too fond of plumbing, you know what I'm saying? I need to—I want to do something else besides plumbing for the rest of my life.
Okay. And do you have a diploma or a GED?
I have a GED.
GED, okay. And what year did you obtain your GED if I may ask?
Um, [REDACTED YEAR].
[REDACTED YEAR]. Okay. And for your class type preference, would it be online, on campus or would it be self?
No, probably it would be campus. Probably it would be campus.
Campus, okay. And just in case we will not be able to find a campus-based school, would you be okay with an online school?
Yeah.
Okay. And are you a United States' citizen?
Yes, I am.
Thank you. And are you associated with the United States' military?
What was that?
Oh, I'm sorry. Are you associated with the United States' military?
No, I'm not.
Okay. And what would be the best time for a school enrollment counselor to contact you? Is it in the morning, afternoon or evening?
Um, pretty much any time of the day.
Okay. And what is your exact date of birth?
[REDACTED DATE OF BIRTH].
So that would be, aa, [REDACTED DATE OF BIRTH]?
That's correct.
Okay. Okay, Anthony, if we can find a school for you that meets your needs, school enrollment counselors will be contacting you in the near future…
Okay.
…either by phone or by email, and they can answer any questions you may have regarding financial aid, tuition assistance…,
Okay.
…their program requirements and policies.
Mm-hmm.
And so with that, I would just like to thank you for your time.
Okay.
And once again, we thank you for choosing Education Experts.
And thank you.
You… you are welcome.
All right.
Have a good day.
You too.
Bye.
Bye-bye.
The conversation is generally positive, with Anthony showing enthusiasm for educational opportunities. Some parts are neutral, focusing on information gathering. No significant negative sentiment is detected.
Anthony shows interest in furthering his education and changing careers.
Anthony is cooperative in providing information to Jeff.
Both Jeff and Anthony maintain a polite and professional tone throughout the conversation.
Anthony expresses optimism about pursuing a new career path in computer engineering.
Jeff establishes trust by identifying himself and mentioning the quality of the line. Anthony trusts Jeff to provide accurate information.
No profanity or inappropriate language detected in this conversation. Content is safe and professional.
Agent opened with "Hello. May I please speak with Anthony?" demonstrating appropriate greeting protocol.
Agent clearly stated "My name is Jeff" during the introduction.
Agent stated "I'm calling on behalf of Education Experts" providing clear company identification.
Agent verified "Your first name is Anthony" during information verification.
Agent verified "your last name is Pella" as part of identity confirmation.
Agent asked "May I please speak with Anthony?" and confirmed "This is Anthony" before proceeding with the call.
Agent stated "I'm calling on behalf of Education Experts from a quality monitored line" during introduction.
Agent explained "I see here that you recently filled a form on the internet indicating an interest in earning a degree" and "I only need a few moments of your time to match you with the most appropriate schools."
Agent asked "Are you at least 18 years of age?" and received confirmation that client is 29 years old.
Agent requested complete address verification including city, state, and zip code, and broke down verification into components (street number, street name) for accuracy.
Agent asked "could you please verify your email address?" and received confirmation.
Agent asked "what is your exact date of birth?" and repeated it back for confirmation: "So that would be, aa, October 15, 1980?"
Agent asked "are you a United States' citizen?" and received confirmation.
Agent verified both first and last name: "Your first name is Anthony and your last name is Pella, is this correct?"
Consent was implied through client's active participation and affirmative responses throughout the call.
Agent asked "do you currently have a high school diploma or a GED?" and later confirmed "do you have a diploma or a GED?" receiving confirmation of GED.
Agent asked "what's the highest level of education that you have completed?" allowing client to provide detailed background.
Agent asked "what year did you obtain your GED if I may ask?" and received answer "1999."
Agent acknowledged client's volunteered information: "you mentioned computer engineering, right?" and "Computer engineering, okay."
Agent asked "what degree type are you looking to obtain? Is it Associate or {cross talk}?" and confirmed "it could be associate degree for the moment?"
Agent asked "for your class type preference, would it be online, on campus or would it be self?" and followed up with alternative option if campus-based not available.
Agent asked "would you be interested in furthering your education in the next six months?" multiple times to confirm interest.
Agent asked "are you associated with the United States' military?" and when client requested clarification, agent repeated the question clearly.
Agent asked "what would be the best time for a school enrollment counselor to contact you? Is it in the morning, afternoon or evening?"
Agent collected name, age, address, email, date of birth, citizenship status, and educational background as required for enrollment process.
Agent repeated "Your first name is Anthony and your last name is Pella, is this correct?" for confirmation.
Agent verified address components separately: "Is the Street Number 1905?" and "And the street name is Bramblewood Drive?" before confirming full address.
Agent repeated full address: "So it's 1905 Bramblewood Drive, St. Cloud, Florida – 34769" and asked "Is that correct?" for final confirmation.
Client provided clarification "It's all one word" which agent acknowledged, though agent did not explicitly repeat this clarification back.
Agent converted and repeated date: "So that would be, aa, October 15, 1980?" providing clear format confirmation.
Agent made a correction: "you've mentioned that you're 21—I'm sorry, 29 years old" demonstrating error acknowledgment and correction.
Agent maintained professional tone using phrases like "thank you Anthony," "if I may ask," and "please verify" consistently throughout the conversation.
When client asked "What was that?" agent responded "Oh, I'm sorry. Are you associated with the United States' military?" showing appropriate apology and repetition.
No profanity detected in the conversation. Agent used professional and appropriate language throughout.
Agent allowed client to provide detailed responses, including a lengthy explanation about plumbing background, without unnecessary interruption.
Agent frequently acknowledged responses with "Okay," "Thank you Anthony," and "Thank you so much for the verification" demonstrating active acknowledgment.
Agent handled cross-talk notation "{cross talk}" in transcript appropriately and continued with the question about degree type.
Agent acknowledged client's volunteered information: "you mentioned computer engineering, right?" showing active listening to volunteered details.
Agent followed up on computer engineering interest by asking about degree type, demonstrating appropriate information follow-up.
Agent asked "would you be interested in furthering your education in the next six months?" twice during the call, which was unnecessary repetition.
Agent allowed client to provide detailed background about dropping out in 11th grade, 13 years of plumbing experience, and career change motivation without rushing.
Agent clearly explained: "school enrollment counselors will be contacting you in the near future" providing clear next steps.
Agent specified contact methods: "either by phone or by email" providing clear communication channels.
Agent mentioned counselors "can answer any questions you may have regarding financial aid, tuition assistance… their program requirements and policies."
Agent set expectation: "school enrollment counselors will be contacting you in the near future" providing reasonable timeframe expectation.
Agent thanked client: "I would just like to thank you for your time" demonstrating appreciation.
Agent stated "once again, we thank you for choosing Education Experts" reinforcing brand appreciation.
Agent provided appropriate closing: "Have a good day" followed by "Bye" demonstrating professional closure.
Agent ended call appropriately with "Bye" after client's "You too" response, allowing natural conversation closure.
Agent asked about interest in education within 6 months twice, which was unnecessary repetition, though the rest of the call flowed efficiently.
Agent followed logical sequence: introduction → purpose → eligibility → verification → preferences → next steps, maintaining structured flow.
Agent collected all required information: personal identifiers, contact details, educational background, preferences, and verification data as needed for enrollment.
Agent maintained appropriate pace, allowing detailed responses while keeping conversation focused and moving forward efficiently.
Agent corrected age mistake: "you've mentioned that you're 21—I'm sorry, 29 years old" demonstrating graceful error correction.
When client asked "What was that?" agent immediately apologized and repeated the question clearly, handling clarification request promptly.
After correcting age from 21 to 29, agent continued with accurate information, ensuring correction was properly integrated into conversation.
Anthony's desire to transition from plumbing to computer engineering.
Collection of Anthony's contact details and educational background.
Discussion about Anthony's interest in pursuing a computer engineering degree.
Questions used to verify customer information and confirm details.
Questions to collect new information from the customer.
Questions to understand customer preferences and choices.
Professional, structured, verification-focused
Cooperative, direct, informative
Call quality monitoring disclosure was provided to the customer.
The purpose of the call was clearly disclosed to the customer.
Sensitive information has been redacted from the redacted transcription for privacy protection.
Consent was implied through customer participation in the call.
Mr. Mgwenya, before we continue, please note that our calls are recorded for quality and assurance purposes. Our records indicate that you have an outstanding balance of four thousand one hundred rands. Do you acknowledge this debt?
Mnr. Solomons, voordat ons voortgaan, neem asseblief kennis dat ons oproepe vir gehalte- en sekerheidsdoeleindes opgeneem word. Ons rekords wys dat u 'n uitstaande balaans van vier duisend eenhonderd rand het. Erken u hierdie skuld?
Mnu. Ngwenya, ngaphambi kokuba siqhubeke, sicela wazi ukuthi izingcingo zethu zirikhodiwe ukuze kuqinisekiswe ikhwalithi nokuphepha. Amarekhodi ethu abonisa ukuthi unesikweletu esisele esingamakhulu amane namashumi ayikhulu amaRandi. Uyasivuma lesi sikweletu?
Monghali Mgwenya, pele re tsoela pele, ka kopo hlokomela hore mehala ea rona e rekotoa molemong oa boleng le netefatso. Litlaleho tsa rona li bontša hore u na le sekoloto se saletseng sa liranta tse likete tse nne le lekholo. Na u a amohela sekoloto see?
Hello. May I please…
Hello.
…speak with Anthony? Hello?
This is Anthony.
Hi Anthony. My name is Jeff and I'm calling on behalf of Education Experts from a quality monitored line.
Okay.
And I see here that you recently filled a form on the internet indicating an interest in earning a degree.
Yes.
Is that correct?
Yes.
I only need a few moments of your time to match…
Okay.
…you with the most appropriate schools. Are you at least 18 years of age?
Aa, yeah, I am 29.
29, okay. And do you currently have a high school diploma or a GED?
Yes, I do.
Okay, thank you Anthony. And if we can find a school for you that meets your needs, would you be interested in furthering your education in the next six months?
Yeah, of course. And the course I'd like to take up would be computer engineering.
Computer engineering, okay. And Anthony, I only need…
Yeah.
…a few moments of your time…
Okay.
…to verify your information. Your first name is Anthony and your last name is Pella, is this correct?
Yes.
Okay. Anthony, now if I may ask you, if we can find a school for you that meets your needs, would you be interested in furthering your education…
Yes.
…in the next six months? Okay.
Definitely.
Thank you, Anthony. Aa, could you please verify your complete address, including the city, state and the zip code?
All right. It's 1905 Bramblewood Drive, St. Cloud, Florida – 34769.
Okay. Is the Street Number 1905?
Yeah, 1905.
And the street name is Bramblewood Drive?
Yeah.
Is that correct?
Yeah, that's correct.
Okay. So it's 1905 Bramblewood Drive, St. Cloud, Florida – 34769.
Yes.
Is that correct?
Yeah.
Okay. And could you please verify your email address?
It's, aa, pellaanthony@yahoo.com. It's all one word.
Thank you so much for the verification, Anthony.
Yeah.
Now, aa, you mentioned computer engineering, right?
Mm-hmm.
Okay. May I ask what degree type are you looking to obtain? Is it Associate or {cross talk}?
Whatever I need to do. So if… if I get in the first door, I do Associates, probably move my way up the ladder, you know?
Okay. So…
Get my first one and then keep on going.
Okay. So, aa, it could be associate degree for the moment?
Yep.
Okay. Okay, Anthony, you've mentioned that you're 21—I'm sorry, 29 years old.
Mm-hmm.
Now, if I may ask, well, what's the highest level of education that you have completed?
I dropped out when I was in the 11th grade and I started doing plumbing. I've actually been doing plumbing for 13 years. I'm a registered apprentice. I actually only have to take the test to become a, aa, journeyman's… journeyman to open my own company and I'm not too fond of plumbing, you know what I'm saying? I need to—I want to do something else besides plumbing for the rest of my life.
Okay. And do you have a diploma or a GED?
I have a GED.
GED, okay. And what year did you obtain your GED if I may ask?
Um, 1999.
1999. Okay. And for your class type preference, would it be online, on campus or would it be self?
No, probably it would be campus. Probably it would be campus.
Campus, okay. And just in case we will not be able to find a campus-based school, would you be okay with an online school?
Yeah.
Okay. And are you a United States' citizen?
Yes, I am.
Thank you. And are you associated with the United States' military?
What was that?
Oh, I'm sorry. Are you associated with the United States' military?
No, I'm not.
Okay. And what would be the best time for a school enrollment counselor to contact you? Is it in the morning, afternoon or evening?
Um, pretty much any time of the day.
Okay. And what is your exact date of birth?
10-15-1980.
So that would be, aa, October 15, 1980?
That's correct.
Okay. Okay, Anthony, if we can find a school for you that meets your needs, school enrollment counselors will be contacting you in the near future…
Okay.
…either by phone or by email, and they can answer any questions you may have regarding financial aid, tuition assistance…,
Okay.
…their program requirements and policies.
Mm-hmm.
And so with that, I would just like to thank you for your time.
Okay.
And once again, we thank you for choosing Education Experts.
And thank you.
You… you are welcome.
All right.
Have a good day.
You too.
Bye.
Bye-bye.
So Jude, what I would like for you to do is to see if you can give an introduction to my viewers as to how you got started, who you are, and how you got started in the business?
Well, the way we got started in this business was… I was in the car business for seven years and dealt with credit every day. A lot of people would come in the door, 60% or more that couldn't buy a car.
Mmm-hmm.
If they could, they were paying an excess of 20% interest…
Wow.
…which raising their interest rate would almost make their payment where they couldn't make it. It makes it almost unreachable for them. They want to try to make it because they needed the car, but that amount was out of their budget.
Yeah.
So, doing consulting work in Huntsville, Alabama, I was doing consulting work for a car dealership that did over 300 used cars a month in my… Now, that may not seem a lot to people who aren't in the car business, but that's a very very huge number.
Yeah.
And they were selling at almost 80 to 90 a month, but that 300 just from credit repair. So, I learnt about it in Huntsville, Alabama, brought down to Texas almost eight years ago. We have been a very very strong company since then.
Okay. Okay. So, we're just going to go straight into the interview and questions. And right now, we all see what's going on in the economy, and I just wanted you… We'll just give the listeners some reasons why it's very important for them to get a credit fixed in this economy that we are facing.
Well, more and more every day, credit score has everything to do with just everyday life.
Yeah.
Buying a home, buying a car, buying braces for your children…
Hmmm.
Interest. A banker told me this one time. He told me interest was like cancer. It would finally eat you alive which is a real story, and your credit score has everything to do with being able to buy…
Yeah.
…plus every term has everything to do with interest rate.
Mmm-hmm.
Credit card companies almost made 40 more percent on their money last year on late fees alone.
Wow.
Plus the interest rate that they charged, it almost makes the economy and the way that things are run nowadays, it almost makes it impossible without good credit score to be able to survive unless you're just going to pay cash.
Yeah.
And some people have paid cash for years, but at this point in time, they just want to get back on their feet to become a part of the society and be able to buy what they need to buy.
Yeah. I mean, especially with what's going on right now where banks are just tightening up on credit, even those with the best credit scores find it very difficult, talk less of those who don't even have credit or even have great credit yet.
What I am trying to say is that the appeal and the settlement are separate.
You mean that communications and announcements internal and external would be brought into the appeal process.
Right, because they connect to the appeal.
I hope you understand there are issues of reputation, and I have to deal with those in the appeal process rather than the commercial issues around settlement.
And then, there is this legal claim for defamation. I believe that the implication would be to perceive in for defamation.
Yes. I will investigate to what we have as written evidence and what we do not have.
Okay. Great! I am thankful for you to do that.
Absolutely. Evidences are important in order to understand whether the party in question has acted appropriately through this process, and there is greater possibility of defamation to everybody in circumstances like this.
Exactly.
I hope you feel that you have been listened to.
Yes, absolutely. Thank you.
What I have also noted down from this is that there are a number of other people that I need to speak to which I will do as quickly as I possibly can. You have also raised through these conversations a number of points, which I now need to go back and test from the other perspective to try and make my judgment about working of the evidence side.
I mean strictly because it is a lot of confidential and personal stuff, and the effect on my team is also something that is sort of there on my mind which is why at the very start of the whole process I thought this could be dealt with very very quickly and very very smoothly or it could be just a traumatic long drawn out process.
Well, I appreciate the fact that you have of course your personal interests. I am convinced that you have an intention to make this work if at all possible, and the way it makes sense to the other party too. So, I appreciate that.
Well, the truth is I wouldn't come to an appeal if there wasn't a genuine interest in helping you understand.
Okay, Speaker 1. Thank you for struggling in so far. What else would you want to cover?
Nothing really. I believe it's not the right stage for you to talk about the timeline. Maybe it's going to be quicker than we originally thought. But I am just worried about any backfilling. But let me know if you could work out the timeline at some point.
I think I would go back to Emma, Danny, and Bud to understand the evidence we spoke about and how that trading thing got so serious. Written evidences would be important; however, I will be challenging them with many of the points we have made in this conversation.
Alright, sounds cool.
Okay. Thank you very much, and you have a good day.
You too. Thank you.
The patient is a 49-year-old white female, established patient of Dermatology, last seen in office on 08/10/2004. She comes in today for reevaluation of her acne, plus she has had what she calls a rash for the past two months now on her chest, stomach, neck, and back. On examination, there is flaring of her acne with small folliculitis lesions. The patient has been taking amoxicillin 500 mg b.i.d. and using Tazorac cream 0.1. Her face is doing well, but she has been out of her medication now for three days also. She has been getting photo facials at Healing Waters. I was wondering about what we could offer as far as cosmetic procedures and skin care products, etcetera. The patient is married. She is a secretary.
FAMILY, SOCIAL, AND ALLERGY HISTORY:
She has hay fever, eczema, sinus, and hives. She has no melanoma or skin cancers or psoriasis. Her mother had oral cancer. The patient is a nonsmoker. No blood tests. She had some sunburn in the past. She is on benzoyl peroxide and Daypro.
CURRENT MEDICATIONS:
Lexapro, Effexor, Ditropan, aspirin, and vitamins.
PHYSICAL EXAMINATION:
The patient is well developed and appears stated age. Overall health is good. She has a couple of acne lesions, one on her face and neck, but there are a lot of small folliculitis-like lesions on her abdomen, chest, and back.
IMPRESSION:
Acne with folliculitis.
TREATMENT: