Specific State Law Disclosures

California

IF YOU LIVE IN CALIFORNIA THIS APPLIES TO YOU:

The state Rosenthal Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act require that, except under unusual circumstances, collectors may not contact you before 8 a.m. or after 9 p.m. They may not harass you by using threats of violence or arrest or by using obscene language. Collectors may not use false or misleading statements or call you at work if they know or have reason to know that you may not receive personal calls at work. For the most part, collectors may not tell another person, other than your attorney or spouse, about your debt. Collectors may contact another person to confirm your location or enforce a judgment. For more information about debt collection activities, you may contact the Federal Trade Commission at 1-877-FTC-HELP or www.ftc.gov.

As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.

Medical Accounts Only:
Nonprofit credit counseling services may be available in the area.

If your debt is past the statute of limitations, you are hereby notified of the following important consumer information:

The law limits how long you can be sued on a debt. Because of the age of this debt we will not sue you for it. In many circumstances you can renew the debt and start the time period over for filing a lawsuit to recover this debt if you take specific action such as making a payment, or a written promise to pay. You should determine the effect of any action you take with respect to this debt.

Colorado

IF YOU LIVE IN COLORADO THIS APPLIES TO YOU:

FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE WWW.COAG.GOV/CAR

A consumer has the right to request in writing that a debt collector or collection agency cease further communication with the consumer. A written request to cease communication will not prohibit the debt collector or collection agency from taking any other action authorized by law to collect the debt. This Collection Agency operates a Colorado Office with the following address and telephone number:  Corporation Service Company, 1560 Broadway, Suite 2029, Denver, CO 80202, United States. Telephone: 800-927-9800.
Only physical in-person payments may be accepted at this office location. All payments made via mail should be sent to the following address: PO Box 4262 Scranton, PA 18505

If your debt is past the statute of limitations, you are hereby notified of the following important consumer information:

The law limits how long you can be sued on a debt. Because of the age of this debt we will not sue you for it. In many circumstances you can renew the debt and start the time period over for filing a lawsuit to recover this debt if you take specific action such as making a payment, or a written promise to pay. You should determine the effect of any action you take with respect to this debt.

Chicago, Illinois

IF YOU LIVE IN ILLINOIS, CITY OF CHICAGO THIS APPLIES TO YOU:

This Collection Agency is licensed by the City of Chicago: License No. 2528996

 

If your debt is past the statute of limitations, you are hereby notified of the following important consumer information:

The law limits how long you can be sued on a debt. Because of the age of this debt we will not sue you for it. In many circumstances you can renew the debt and start the time period over for filing a lawsuit to recover this debt if you take specific action such as making a payment, or a written promise to pay. You should determine the effect of any action you take with respect to this debt.

Kansas

IF YOU LIVE IN KANSAS THIS APPLIES TO YOU:

An investigative consumer report, which includes information as to your character, general reputation, personal characteristics and mode of living, has been requested. You have the right to request additional information, which includes the nature and scope of the investigation.

If your debt is past the statute of limitations, you are hereby notified of the following important consumer information:
The law limits how long you can be sued on a debt. Because of the age of this debt we will not sue you for it. In many circumstances you can renew the debt and start the time period over for filing a lawsuit to recover this debt if you take specific action such as making a payment, or a written promise to pay. You should determine the effect of any action you take with respect to this debt.

Minnesota

IF YOU LIVE IN MINNESOTA THIS APPLIES TO YOU:
This collection agency is licensed by the Minnesota Dept. of Commerce.

If your debt is past the statute of limitations, you are hereby notified of the following important consumer information:

The law limits how long you can be sued on a debt. Because of the age of this debt we will not sue you for it. In many circumstances you can renew the debt and start the time period over for filing a lawsuit to recover this debt if you take specific action such as making a payment, or a written promise to pay. You should determine the effect of any action you take with respect to this debt.

Nevada

IF YOU LIVE IN NEVADA THIS APPLIES TO YOU:
Medical Accounts Only:
If you pay or agree to pay the debt or any portion of the debt, the payment or agreement to pay may be construed as an acknowledgement of the debt by you the consumer, and/or a waiver by you the consumer of any applicable statute of limitations set forth by NRS 11.190 that otherwise precludes the collection of the debt. If you do not understand or have questions concerning your legal rights or obligations relating to the debt, you should seek legal advice.

If your debt is past the statute of limitations, you are hereby notified of the following important consumer information:

The law limits how long you can be sued on a debt. Because of the age of this debt we will not sue you for it. In many circumstances you can renew the debt and start the time period over for filing a lawsuit to recover this debt if you take specific action such as making a payment, or a written promise to pay. You should determine the effect of any action you take with respect to this debt.

New Mexico

If your debt is past the statute of limitations, you are hereby notified of the following important consumer information:

We are required by New Mexico Attorney General to notify you of the following information. This information is not legal advice: This debt may be too old for you to be sued upon in court. If it is too old, you can’t be required to pay it through a lawsuit. You can renew the debt and start the time for the filing of a lawsuit against you to collect the debt if you do any of the following: make any payment of the debt; sign a paper in which you admit that you owe the debt or in which you make a new promise to pay; sign a paper in which you give up (“waive”) your right to stop the debt collector from suing you in court to collect the debt.

New York State

IF YOU LIVE IN NEW YORK THIS APPLIES TO YOU:
If a creditor or debt collector receives a money judgment against you in court, state and federal laws may prevent the following types of income from being taken to pay the debt: 1. Supplemental security income, (SSI); 2. Social security; 3. Public assistance (welfare); 4. Spousal support, maintenance (alimony) or child support; 5. Unemployment benefits; 6. Disability benefits; 7. Workers’ compensation benefits; 8. Public or private pensions; 9. Veterans’ benefits; 10. Federal student loans, federal student grants, and federal work study funds; and 11. Ninety percent of your wages or salary earned in the last sixty days.

This collection agency, in accordance with the Fair Debt Collection Practices Act, 15 U.S.C. §1692 et seq., is prohibited from engaging in abusive, deceptive, and unfair debt collection efforts, including but not limited to: (i) the use or threat of violence; (ii) the use of obscene or profane language; and (iii) repeated phone calls made with the intent to annoy, abuse, or harass. If you feel your concerns have not been addressed, please contact our Compliance Department at (855) 207-1892 ext. 205 to report them.

If your debt is past the statute of limitations, you are hereby notified of the following important consumer information:

We are required by law to give you the following information about this debt. The legal time limit for suing you to collect this debt has expired. However if someone sues you anyway to try and make you pay this debt, court rules require you to tell the court that the statute of limitations has expired to prevent the creditor from obtaining a judgment. Even though the Statute of Limitations has expired, you may choose to make payments. However, be aware if you make a payment the creditor’s right to sue you to make you pay the entire debt may start again.

New York City, New York

IF YOU LIVE IN NEW YORK CITY, NEW YORK THIS APPLIES TO YOU:

This Collection Agency is licensed by the New York City Department of Consumer Affairs: License No. 1393312

If your debt is past the statute of limitations, you are hereby notified of the following important consumer information:

We are required by law to give you the following information about this debt. The legal time limit for suing you to collect this debt has expired. However if someone sues you anyway to try and make you pay this debt, court rules require you to tell the court that the statute of limitations has expired to prevent the creditor from obtaining a judgment. Even though the Statute of Limitations has expired, you may choose to make payments. However, be aware if you make a payment the creditor’s right to sue you to make you pay the entire debt may start again.

Buffalo, New York

IF YOU LIVE IN BUFFALO, NEW YORK THIS APPLIES TO YOU:

This Collection Agency is licensed by the City of Buffalo: License No. CAG12-10023676
If your debt is past the statute of limitations, you are hereby notified of the following important consumer information:

We are required by law to give you the following information about this debt. The legal time limit for suing you to collect this debt has expired. However if someone sues you anyway to try and make you pay this debt, court rules require you to tell the court that the statute of limitations has expired to prevent the creditor from obtaining a judgment. Even though the Statute of Limitations has expired, you may choose to make payments. However, be aware if you make a payment the creditor’s right to sue you to make you pay the entire debt may start again.

Yonkers, New York

IF YOU LIVE IN YONKERS, NEW YORK THIS APPLIES TO YOU:

This Collection Agency is licensed by the City of Yonkers: License No. 9988

If your debt is past the statute of limitations, you are hereby notified of the following important consumer information:

We are required by law to give you the following information about this debt. The legal time limit for suing you to collect this debt has expired. However if someone sues you anyway to try and make you pay this debt, court rules require you to tell the court that the statute of limitations has expired to prevent the creditor from obtaining a judgment. Even though the Statute of Limitations has expired, you may choose to make payments. However, be aware if you make a payment the creditor’s right to sue you to make you pay the entire debt may start again.

Tennessee

IF YOU LIVE IN TENNESSEE THIS APPLIES TO YOU:

This Collection Agency is licensed by the Tennessee Collection Service Board of the Department of Commerce and Insurance.

If your debt is past the statute of limitations, you are hereby notified of the following important consumer information:

The law limits how long you can be sued on a debt. Because of the age of this debt we will not sue you for it. In many circumstances you can renew the debt and start the time period over for filing a lawsuit to recover this debt if you take specific action such as making a payment, or a written promise to pay. You should determine the effect of any action you take with respect to this debt.

Utah

IF YOU LIVE IN UTAH THIS APPLIES TO YOU:

As required by Utah law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.

If your debt is past the statute of limitations, you are hereby notified of the following important consumer information:

The law limits how long you can be sued on a debt. Because of the age of this debt we will not sue you for it. In many circumstances you can renew the debt and start the time period over for filing a lawsuit to recover this debt if you take specific action such as making a payment, or a written promise to pay. You should determine the effect of any action you take with respect to this debt.

Wisconsin

IF YOU LIVE IN WISCONSIN THIS APPLIES TO YOU:

This Collection Agency is licensed by the Division of Banking in the Wisconsin Department of Financial Institutions, www.wdfi.org