This person illegally posed as a collection agent and conducted illegal collection activities until she was made to stop by the Minnesota Department of Commerce. This is directly from her response to the BBB: Business Response ***response has been scanned in and converted to text below (original document is available using the online complaint system). I have received a copy of the complaint made against me personally and my business, Malwitz Bookkeeping Services, LLC by ****** *******. While not all of the allegations Mr. ******* made in his complaint are true, I did assist my client in collecting amounts owed by Mr. *******. I was not aware that by assisting my client in collecting her outstanding invoices, I was violating Minnesota law. Had I known what I was doing was against the law I would not have assisted my client in this way. As you and my attorney discussed, now that I know that collection activity on behalf of my clients is something that requires a license and registration with the Department of Commerce, I will not be engaging in any of that type of activity. I realize that if I do act as a collection agency without first being properly licensed, your Department may impose sever penalties against my business and me. If you have any further questions for me on this matter or need me to complete any additional paperwork, please let me know. - See more at: http://www.bbb.org/minnesota/business-reviews/bookkeeping-service/malwitz-bookkeeping-services-in-chaska-mn-96552522/complaints#sthash.jLRQMQAl.dpuf read more