AR is Arkansas which is in the "South" and not the "Southwest".

All kidding aside, not getting paid does SUCK!

How much for decals? Also, you are are not bounded by the fdcpa, you are not a 3rd party so the fdcpa would not apply to you. It's oly practiced by some big lenders as a policy not as law, collection agencies have to by follow law ( 3rd party ). Any pics of the decals?

I live 30miles from Albuquerque NM