State Disclosures

 

CALIFORNIA

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. 

For medical debts: Nonprofit credit counseling services may be available in the area.

California License Number: 10883-99

COLORADO

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.

FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE  https://coag.gov/OFFICE-SECTIONS/CONSUMER-PROTECTION/CONSUMER-CREDIT-UNIT/COLLECTION-AGENCY-REGULATION/.

COLORADO LAW PROHIBITS CREDIT BUREAUS FROM REPORTING MEDICAL DEBT OR FACTORING MEDICAL DEBT INTO A CREDIT SCORE UNLESS THE CONSUMER REPORT IS TO BE USED IN CONNECTION WITH A CREDIT TRANSACTION THAT INVOLVES, OR THAT MAY REASONABLY BE EXPECTED TO INVOLVE, A PRINCIPAL AMOUNT THAT EXCEEDS THE NATIONAL CONFORMING LOAN LIMIT VALUE FOR A ONE-UNIT PROPERTY AS DETERMINED BY THE FEDERAL HOUSING FINANCE AUTHORITY.

The state Fair Debt Collection Practices Act requires that you be notified of the address and telephone number of the local office: 3605 Mead St., Fort Collins, CO 80526. Local number: 970-226-1386.

CONNECTICUT

NMLS ID: 962209

WASHINGTON DC

If your debt has not been reduced to a judgment by a court, you have the right to request the following information concerning your debt:

  • The name of the original creditor, and the name of any other owners of your debt, including the current owner;
  • Your last account number with the original creditor;
  • A copy of the signed contract, signed application, or other documents which show your obligations;
  • The date that your debt was incurred;
  • The date of your last payment, if applicable; and
  • An itemized accounting of the alleged debt, including the amount of any principal, interest, fees, or charges, and whether the charges were imposed by the original creditor, a debt collector, or other owner of the debt. For credit card or revolving credit accounts, the itemized accounting is measured from the charge-off balance.

You may request the above information by contacting us by phone, mail, or email, at the following:

Address: 165 Lawrence Bell Drive, Suite 100, Williamsville, NY 14221
Phone: 800-480-7094
Email: [email protected]

IDAHO

State License: CCA-3538

ILLINOIS (CHICAGO)

This Collection Agency is licensed by the City of Chicago: License No. 2270592

MARYLAND

NMLS ID: 962209

To verify our license, please visit https://www.nmlsconsumeraccess.org/

MASSACHUSETTS

Notice of Important Rights: You have the right to make a written or oral request that telephone calls regarding your debt not be made to you at your place of employment. Any such oral request will be valid for only ten days unless you provide written confirmation of the request postmarked or delivered within seven days of such request. You may terminate this request by writing to the debt collector.

Address: 165 Lawrence Bell Drive, Suite 100, Williamsville, NY 14221
Phone: 800-480-7094
Email: [email protected]

MINNESOTA

This collection agency is licensed by the Minnesota Dept. of Commerce.

Nonprofit organizations that provide credit counseling services

There are resources available to help manage your debt. The following Minnesota organizations offer debt and credit counseling services. The Department of Commerce does not control or guarantee any of the services provided by these organizations. The provision of this list is not a referral to, or endorsement or recommendation of, any organization or the organization’s services.

Waxa jira agab iyo dukumeentiyo u diyaar ah inay kaa caawiyaan maareynta dayntaada. Hay’adaha Minnesota ee soo socda ayaa bixiya adeegyada la talinta daynta. Waaxda Ganacsigu ma dammaanad qaado mana kaantaroosho adeegyada ay hay’adahani bixiyaan midkoodna. In liiskan lagu siiyay lama macno aha in laguu gudbiyay, lagugula taliyay ama laguu soo jeediyay, ururan midkoodna ama adeegyada ururadaba. 

以下资源可以帮助您管理债务。以下这些明尼苏达州机构提供债务和信用咨询服。

州商务局与这些机构间无隶属关系，亦不能保证其提供的任何服务。提供此列表并不表示对该等机构或其服务的推荐、认可或建议。

Muaj cov peev txheej uas yuav los pab tswj koj cov nuj nqi. Cov koom haum hauv Minnesota nram qab no muaj cov kev pab cuam tawm tswv yim txog kev qiv nyiaj thiab nuj nqi. Lub Tuam Tsev Hauj Lwm ntsig txog Kev Lag Luam uas tsis muaj kev tswj los sis lav ib qho ntawm cov kev pab cuam uas muab los ntawm cov koom haum no. Qhov kev muab cov ntawv teev no tsis yog xa mus rau, los sis qhov kev lees paub los sis cov lus qhia, tej lub koom haum los sis lub koom haum cov kev pab cuam. 

Hay recursos disponibles para ayudarle a gestionar sus deudas. Las siguientes instituciones de Minnesota ofrecen servicios de asesoramiento sobre deudas y crédito. El Departamento de Comercio no controla ni garantiza ninguno de los servicios prestados por estas instituciones. La presentación de esta lista no constituye una remisión, aprobación o recomendación de ninguna institución ni de sus servicios.

Có một số nguồn lực giúp quý vị quản lý khoản nợ của mình. Các tổ chức sau đây của Minnesota cung cấp dịch vụ tư vấn đối với các khoản nợ và tín dụng. Cơ Quan Thương Mại không kiểm soát hoặc đảm bảo bất kỳ dịch vụ nào do các tổ chức này cung cấp. Việc cung cấp danh sách này không phải hoạt động giới thiệu, chứng thực hoặc khuyến nghị cho bất kỳ tổ chức nào hoặc các dịch vụ của tổ chức đó. 

LSS Financial Counseling Service Multiple Minnesota Locations Phone: 888-577-2227 www.lssmn.org/financialcounseling 

Family Means Financial Solutions 1875 Northwestern Avenue South Stillwater, MN 55082 Phone: 651-439-4840 | 800-327-3203 www.familymeans.org/financial-solutions 

Consumer Credit of Minnesota 5871 Cedar Lake Rd S, #105 St. Louis Park, MN 55416 Phone: 952-544-6800 www.ccofminnesota.org 

NEVADA

NMLS ID: 962209
Collection Agency License: CAD-11495
Compliance Manager License: CM-10084

NEW YORK CITY

Dept. of Consumer Affairs No. 1310227

We are required to inform you that we provide Spanish translating services. We can assist you by providing Spanish-speaking agents, letters and notices translated into Spanish. A translation and description of commonly used debt collection terms is available in multiple languages on the New York City Department of Consumer Affairs website, http://www.nyc.gov/dca.

This agency conducts its business in English. However, we are able to provide limited foreign language access services in Spanish, but cannot guarantee said services will be available at all times during the workday week.

The New York City Department of Consumer Affairs requires us to ask this information, it is for informational purposes, please note that our office can only communicate to you in English and Spanish. We do not provide any other services than the services mentioned above and if we do not provide your language preference, we will continue to communicate to you in English.

NEW YORK STATE

We are required by regulation of the New York State Department of Financial Services to notify you of the following information. This information is NOT legal advice.

Debt collectors, in accordance with the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq., are 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 a creditor or debt collector receives a money judgment against you in court, state and federal laws prevent the following types of income from being taken to pay the debt:

  • Supplemental security income, (SSI);
  • Social security;
  • Public assistance (welfare);
  • Spousal support, maintenance (alimony) or child support;
  • Unemployment benefits;
  • Disability benefits;
  • Workers’ compensation benefits;
  • Public or private pensions;
  • Veterans’ benefits;
  • Federal student loans, federal student grants, and federal work study funds; and
  • Ninety percent of your wages or salary earned in the last sixty days.

You may request communications in an alternative, reasonably accommodatable format such as large print, braille, audio compact disc, or other means. You may make a request for alternative communications by calling toll-free 800-480-7094

NORTH CAROLINA

This collection agency is regulated by the North Carolina Department of Insurance.
Permit No. 119500392

TENNESSEE

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

WYOMING

Collection Agency License: CAB-1117
NMLS ID: 962209