Mini-Miranda Rights: This is an attempt to collect a debt by a debt collector.  Any information obtained will be used for that purpose.

 

The following notices are required by various city and/or state laws:
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.
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 WWW.COAG.GOV/CAR. COLORADO OFFICE INFORMATION: TELEPHONE # – 970-249-7514 | ADDRESS – 27 NORTH WILLERUP STE. B, MONTROSE, CO 81401
Florida Florida License Number: CCA9903370
Massachusetts Notice of Important RightsYOU 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.
Maryland Maryland License Number 6883
Maine If you are unable to pay your account in full, call one of our customer service representatives at (252) 757-2102 or (800) 873-9358 and they may be able to arrange a payment plan.
Minnesota If you feel your concerns have not been addressed, please contact us and allow us the opportunity to try to address your concerns. Or, you have the option to address any concerns with the Minnesota Attorney General’s Office, which can be reached at 651-296-3353 or 1-800-657-3787.
North Carolina North Carolina Department of Insurance Permit Number 738.
New York New York: If a creditor or debt collector receives a money judgement against you in court, state and b federal laws may prevent the following types of income from being taken away 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. 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. New York City Department of Consumer Affairs License Number: 2065482-DCA
Tennessee Tennessee ID Number 1392. This collection agency is licensed by the Collection Service Board of the Department of Commerce and Insurance.
Utah 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.
Wisconsin This collection agency is licensed by the Division of Banking, P.O. Box 7876, Madison, WI 53707.