State Disclosures

PLEASE NOTE: The following applies to individuals from states outlined below.

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 judgement. For more information about debt collection activities, you may contact the Federal Trade Commission at 1-877-FTC-HELP.Nonprofit credit counseling services may be available in the area.

COLORADO RESIDENTS
This communication is from a debt collection agency. This is an attempt to collect a debt and any information obtained will be used for that purpose. FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, visit 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 form taking any other action authorized by law to collect the debt. Local Office: 44 Cook St, Suite 100 Denver, CO 80206 (303) 398-7000

MAINE RESIDENTS
Our office hours are Mon-Tues 8am-9pm EST and Wed-Fri 8am-5pm EST. Our company street address is 4615 Dundas Drive, Suite 102, Greensboro, NC 27407.

MASSACHUSETTS RESIDENTS
Office Address: 4615 Dundas Drive, Suite 102, Greensboro, NC 27407. Phone 877-251-3775 Please send payments and correspondence to PO Box 4068, Greensboro, NC 27404.

NOTICE OF IMPORTANT RIGHTS:
YOU HAVE THE RIGHT TO MAKE A WRITTEN OR ORAL REQUEST THAT TELEPHONE CALLS REGARDING YOUR DEBT MAY NOT BE MADE TO YOU AT YOUR PLACE OF EMPLOYMENT ANY SUCH ORAL REQUEST WOULD BE VALID FOR TEN (10) DAYS UNLESS YOU PROVIDE WRITTEN CONFIRMATION OF THE REQUEST POSTMARKED OR DELIVERED WITH IN SEVEN (7) 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: 4615 Dundas Drive Suite 102 Greensboro, NC 27407

NEW YORK CITY RESIDENTS
NYC Department of Consumer Affairs License # 2027211-DCA.

NORTH CAROLINA RESIDENTS
North Carolina Permit Number 112646: 4615 Dundas Drive, Suite 102, Greensboro, NC 27407

TENNESSEE RESIDENTS
PLEASE SEND CORRESPONDENCE TO: PO Box 4068; Greensboro, NC 27404 This collection agency is licensed by the Collection Service Board of The Department of Commerce and Insurance.

WISCONSIN RESIDENTS
This collection agency is licensed by the Division of Banking in the Wisconsin Department of Financial Institutions, www.wdfi.org.also

 
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