On February 11, 2014, the Commissioner issued an Order to Make Restitution, Notice of Intent to Revoke and Refuse to Renew Consumer Collection Agency License, Notice of Intent to Issue Order to Cease and Desist, Notice of Intent to Impose Civil Penalty and Notice of Right to Hearing (“Notice”) in the Matter of:  HOVG, LLC d/b/a Bay Area Credit Service, LLC (“Respondent”), Atlanta, Georgia.  The Notice was the result of an investigation by the Consumer Credit Division.  The Notice alleges, among other things, that Respondent engaged in conduct which constitutes violations of Sections 36a-801(c) and 36a-805(a)(9) of the Connecticut General Statutes in effect prior to October 1, 2013, and Sections 36a-809-12(1) and 36a 809-7(b) of the Regulations of Connecticut State Agencies.  As part of the Order to Make Restitution, Respondent was ordered, among other things, to promptly refund all charges and fees paid by Connecticut consumer debtors that could not be legally added to claims charged to such consumer debtors.  Respondent was afforded an opportunity to request a hearing with regard to the allegations set forth in the Notice.