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About Threatened by the Collection Agency MRS Associates : From 59,963 members: "Legally speaking, you should get the complete details of your accounts from the collection agency that is trying to recover the debt from you. This is known as the debt validation process as per the Fair Debt Collection Practices Act and through this, you can force them to provide you the following details:


* The details of the account.

* All the calculation should be shown of the amount that is owed.

* Any copies of the papers to be furnished that shows the payment agreement.

* Provide a verification or copy of any judgment if applicable

* The original creditor needs to be identified.

* The Statute of Limitation needs to be proven for the collection of the debt.

* The license of the collection agency applicable in the state is to be furnished along with the license numbers and Registered Agent

* Proof of the agreement that the debt collector has purchased the debt or has been hired by the creditor to collect the debt from the debtor as this is the basic contract law.

* Complete payment history showing the details of the creditors, payment history, amount of the debt, break up of fees/interest should be provided in paper.

* A copy of the"

IBM buys open-source Java outfit Gluecode | CNET News.com: "IBM buys open-source Java outfit Gluecode
Big Blue fills out the low end of its WebSphere line and throws its weight behind Apache's Geronimo project.
By Martin LaMonica
Staff Writer, CNET News.com

Published: May 10, 2005, 10:22 AM PDT
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update IBM on Tuesday said it acquired privately held start-up Gluecode Software, a company that offers a low-end, open-source alternative to IBM's WebSphere line.
Terms of the acquisition were not disclosed.
Based in El Segundo, Calif., Gluecode sells corporate customers services around a suite of open-source software developed at the Apache Foundation. The company offers small and midsize businesses subcription-based support and updates for a suite of Java server products, called Joe.
As part of the acquisition, IBM said it will contribute to the Apache Geronimo project, a Java 2 Enterprise Edition (J2EE) application server that forms the basis of Gluecode's product line. The 18 Gluecode employees will be part of IBM's software group; IBM said it will devote dozens of people to the Joe product.
IBM said the Gluecode products will fill out the low end of its WebSphere suite, software to build and run custom business applications. IBM's WebSphere brand covers a wide range of products, including an application server, portal and integration software.
WebSphere is targeted at large corporate customers and at medium-size companies, but IBM does not have a strong presence among smaller organizations and individual developers, said Robert LeBlanc, general manager of IBM's application and integration middleware division. He said IBM will offer Gluecode customers more functional WebSphere products as their ne"

Software: No longer business as usual | CNET News.com: "'Finding new revenue streams is really important so (vendors) are looking at all kinds of contract models,' said Joanne Correia, an analyst at Gartner. 'When markets become really mature, what happens is people fight for customer control, and that is done via contracts.'
In particular, big companies are demanding the ability to buy on an annuity basis, where they pay in smaller increments rather than shell out large sums up front, analysts said.
'It's not going to be a complete shift to open source, software-as-a-service or build-your-own. Will (this) have a major impact on the market? Absolutely.'
--M.R. Rangaswami, investor and software industry consultant With tight IT budgets and slim increases projected for the coming years, corporate customers are eyeing shorter-term contracts--or no contracts at all--rather than pay a perpetual license fee and maintenance costs. "

Software: No longer business as usual | CNET News.com: "The business software market has been wrestling with changes for several years now. Many companies, like PeopleSoft and Siebel Systems, have been acquired. Some have simply gone out of business. And all of the big software makers acknowledge that it has become harder to sell new software licenses. Oracle, SAP and others now rely on selling ongoing maintenance contracts.
'There are some seismic shifts happening' in all areas of the software industry, said M.R. Rangaswami, an investor and software industry consultant. 'It's not going to be a complete shift to open source, software-as-a-service or build-your-own. Will (this) have a major impact on the market? Absolutely.'
The growing popularity of open-source software, particularly for server software like databases, has shifted strategies at Microsoft, Oracle and other large companies, which now offer free or low-cost products.
Similarly, hosted applications like Salesforce.com that allow companies to switch to a recurring monthly charge instead of a large capital outlay have forced Microsoft, SAP and others to offer similar products.
The confluence of these factors and others is causing dramatic changes in how software is bought, said analysts and company executives. Rather than just charging customers for a CD stuffed with code, providers are increasingly turning to the Web, and to new licensing models, they said.
'Finding new revenue streams is really important so (vendors) are looking at all kinds of contract models,' said Joanne Correia, an analyst at Gartner. 'When markets become really mature, what happens is people fight for customer control, and that is done via contracts.' "

Software: No longer business as usual | CNET News.com: "The old, traditional model of selling software, either through up-front fees or long-term licenses, is increasingly under strain as both consumers and big businesses demand change.
The latest sign of turmoil: an admission by Microsoft's top executives that ad-supported Web-based services pose a risk to the company's traditional business. Other internal memos show that Microsoft is worried by the growing reluctance of consumers to spend money on software. "

Name that metaverse | CNET News.com: "'Second Life' is one of a very small number of so-called virtual worlds that eschew the traditional medieval fantasy-based role-playing game play common to such online blockbusters as 'World of Warcraft,' 'EverQuest' and 'Ultima Online.' As such, Linden Lab is loathe to call 'Second Life' a game, despite the accessibility of such a term. "

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