We are required under state law to notify consumers of the following rights. This list does not contain a complete list of rights consumers have under state and federal law.

California Residents:
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 Nonprofit credit counseling services may be available in your area. State and federal law require debt collectors to treat you fairly, and prohibit debt collectors from making false statements or threats of violence, using obscene or profane language, and making improper communications with third parties, including your employer.

The Rosenthal Act, California Civil Code Section 1788.21, also requires that in connection with any consumer credit existing or requested to be extended to a person, such person shall within a reasonable time notify the creditor or prospective creditor of any change in such persons name, address, or employment.

Colorado Residents:
Colorado Location
13111 E. Briarwood Ave., #340 Centennial, CO 80112
(303) 309-3839
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.

Connecticut Residents:
Each hospital which holds or administers one or more hospital bed funds shall require its collection agents, in all bills and collection notices, to include a one-page summary describing the hospital bed fund and how to apply for such funds.

Massachusetts Residents:
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.

Minnesota Residents:
This collection agency is licensed by the Minnesota Department of Commerce, License Number: 40035249.

Nevada Residents:
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:

  1. An acknowledgment of the debt; and
  2. A waiver of any applicable statute of limitations set forth in 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.

New York City Residents:
This collection agency is licensed by the New York Department of Consumer Affairs, License Number: 3495596.

North Carolina Residents:
This collection agency is licensed by the North Carolina Department of Insurance, Permit Number: 103839.

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

Utah Residents:
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.

This is an attempt to collect a debt and any information obtained will be used for that purpose.
This is a communication from a debt collector.
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