Smart, Effective Debt Collection.

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.

We are a debt collector attempting to collect a debt and any information obtained will be used for that purpose. Calls may be monitored and recorded.

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 many 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 Telephone calls to or from our General Offices are randomly monitored by supervisory personnel for business reasons not directly related to your account."

Colorado:
"FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE www.coloradoattorneygeneral.gov/ca "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."

Local office and local phone: 8310 South Valley Hwy Suite 300, Englewood, CO 80112
Local Phone No.: 303-524-10550

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."

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

New York City:
This collection agency is licensed by the New York City Department of Consumer Affairs License No. 0908324, 1266437, 1266462, 1266469, and 1270672.

North Carolina:
This collection agency is licensed by the North Carolina Permit Nos. 20, 3439, 3440, 3976, 3977, and 4476.

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

Washington:
Local address: 512 Bell Street, Edmonds, WA 98020-3147

Wisconsin:
This collection agency is licensed by the Division of Banking, P.O. Box 7876, Madison, WI 53707.

Local address: 301 Sand Lake Road, Onalaska, WI 54650