Cartera has hired an in-house general counsel:
http://www.marketwatch.com/story/eth...sel-2011-10-25

Dear General Counsel,

Congratulations on your new appointment. May it bring you and Cartera good opportunities to strengthen a growing business with several areas for improvement. Welcome sincerely. You are now working for the sloppiest, most incompetent, most resented, most disorganized company in the field. Countless customers distrust Cartera with the same animosity shown us by your company, which routinely violates consumer law and is itself responsible for the online movement to boycott Cartera. Welcome aboard.