It's a very stressful situation for small-business owners, and we get letters on a regular basis thanking us and saying that if we had not gotten the money back, they would have gone out of business.

We try to work with the check writer to help merchants get 100 percent of the money back.

It's amazing how prevalent check fraud really is. By the time it comes here ... the merchants are pretty fed up.

It is an old and cherished tradition of our country that everyone should be free to go about their business in the streets of the land, confident that they will not be stopped and searched by the police unless reasonably suspected of having committed a criminal offense.

No form letters are sent out from this office. No husband was ever Section Three, Paragraph II-a, to his wife.

It tells us story and there's a lot more we want to add to the collection like letters from the president.