State Consumer Disclosures

Important State Consumer Disclosures: The disclosure(s) contained under each respective State/City only apply to you, the Consumer, if you reside in that respective State/City

California Residents Only

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 You may request records showing the following: (1) that Current Owner has the right to seek collection of the debt; (2) the debt balance, including an explanation of any interest charges and additional fees; (3) the date of default or the date of the last payment; (4) the name of the charge-off creditor and the account number associated with the debt; (5) the name and last known address of the debtor as it appeared in the charge-off creditors or debt buyers records prior to the sale of the debt, as appropriate; and (6) the names of all persons or entities that have purchased the debt. You may also request from us a copy of the contract or other document evidencing your agreement to the debt.

Colorado Residents Only

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, HTTPS://COAG.GOV/OFFICE-SECTIONS/CONSUMER-PROTECTION/CONSUMER-CREDIT-UNIT/COLLECTION-AGENCY-REGULATION/. Our local office and Resident Manager information is as follows: 7200 S. Alton Way, Suite B180, Centennial, CO 80112 – (303) 768-0200

Massachusetts Residents Only

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 Only

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

New York Residents only

(1) That 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.
(2) 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.

New York City Residents Only

New York City Department of Consumer Affairs License Numbers: 2024361-DCA, 2024421-DCA, 2092157-DCA.

Please contact us  to confirm your preferred language for future communications. All communications are in English with the following exception: Spanish-speaking agents are available by phone upon request and other telephone translations may be available through Certified Languages International (a third party service provider), if permitted by your creditor. Written communications may be available in Spanish upon request. A translation and description of commonly-used debt collection terms is available in multiple languages at

North Carolina Residents Only

This collection agency is licensed by the North Carolina Department of Insurance, Permit Number:
NC Permit 119507803; 1400 E Touhy Ave., Ste G2, Des Plaines, IL 60018
NC Permit 119506601; 11111 Wilcrest Green, Suite 225, Houston, TX 77042
NC Permit 119506559; 570 Carillon Parkway, Ste 103, St. Petersburg, FL 33716

Tennessee Residents Only

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