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If I was doing business with Bell South for my phone line, cancelled the line/account and a month later I start getting bills from Vonage because they are handling all the billing for BellSouth and decided to rebill the entire database, I'd say the streams of ethics and privacy have definately been crossed. Consumer data banks and financial information can only be shared/exchanged under very strict federal laws and Visa regulations. There are too many fine lines involved to not take a closer look at what is going on here.
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