What stakeholders were affected by CSA's business practices? Explain the ethics of CSA's activities by assessing how it treated those stakeholders.

Which complaints made against CSA by customers and others could have been the result of misunderstanding how CSA carries out its deb-to-reduction activities? Which complaints, if any, cannot be explained as the result of misunderstanding how CSA carries out its debt-reduction activities?

In your judgment, should it be illegal for companies to attempt to settle or reduce customers' debts in the way that CSA attempted to do?