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State/City Disclosures

California

THE CALIFORNIA 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 8:00 A.M. OR AFTER 9:00 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.

CALIFORNIA DEPARTMENT OF FINANCIAL PROTECTION AND INNOVATION LICENSE NUMBER 10496-99.

Colorado

FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE HTTPS://COAG.GOV/OFFICE-SECTIONS/CONSUMER-PROTECTION/CONSUMER-CREDIT-UNIT/COLLECTION-AGENCY-REGULATION/. 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. OUR LOCAL OFFICE’S ADDRESS IS 8690 WOLFF COURT, SUITE 110, WESTMINSTER, CO 80031. TELEPHONE NUMBER: (303) 920-4763

Pursuant to Colorado law, calling us will not preserve your rights set forth in the first letter we sent to you regarding a debt to obtain verification of the debt or the original creditor’s name and address, as such rights are only preserved by making a written request to us within 30 days of your receipt of such first letter.


Connecticut

ADDITIONAL INFORMATION FOR CONNECTICUT RESIDENTS

NMLS ID: 969968.

District of Columbia

Disclosures for District of Columbia

You might have income or resources that are protected from being taken by debt collectors. These might include certain sources of income, funds, or property, including, but not limited to, Social Security, Supplemental Security Income (SSI), disability or unemployment benefits, veteran's benefits, or child support payments. If you believe your property or income may be protected, you may wish to seek legal advice, including at a legal services provider or legal aid office, before paying this debt.

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.

Maryland

ADDITIONAL INFORMATION FOR MARYLAND RESIDENTS

NMLS IDs:  969968. NMLS Consumer Access Website

Minnesota

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

North Carolina

NORTH CAROLINA DEPARTMENT OF INSURANCE COMPANY NUMBER: 119504015

Nevada

Nevada collection agency license number CAD161253. Nevada Compliance Manager license number CM12812.

New York

NEW YORK CITY DEPARTMENT OF CONSUMER AFFAIRS LICENSE NUMBER: 1368090

South Carolina

CLICK TO VIEW THE SOUTH CAROLINA SUPERVISED LENDER LICENSE AND/OR SOUTH CAROLINA CONSUMER RIGHTS AND RESPONSIBILITIES.

SOUTH CAROLINA SUPERVISED LENDER LICENSE

SOUTH CAROLINA CONSUMER RIGHTS AND RESPONSIBILITIES