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STATE DISCLOSURES

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.
Please find below important additional information for residents of the following states:

CALIFORNIA: As required by 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.

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.

Medical Accounts Only:
Non Profit Credit Counseling Services may be available in your area.

Purchased Debt Only:
If your debt is past the statute of limitations but is not past the date for obsolescence as provided in Section 605(a) of the Fair Credit Reporting Act (“FCRA”), you are hereby notified of the following important consumer information: The law limits how long you can be sued on a debt. Because of the age of your debt, we will not sue you for it. If you do not pay the debt, the debt buyer may report or continue to report it to the credit reporting agencies as unpaid for as long as the law permits this reporting.
If your debt is past the statute of limitations and is past the date for obsolescence as provided in Section 605(a) of the FCRA, you are hereby notified of the following important consumer information: The law limits how long you can be sued on a debt. Because of the age of your debt, we will not sue you for it, and we will not report it to any credit reporting agency.

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. The agency's local address and telephone number is 8690 Wolff Court, Suite 110 Westminster, CO 80031 (303) 920-4763. FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE WWW.COAG.GOV/CAR.

CONNECTICUT:If your debt is past the statute of limitations but is not past the date for obsolescence as provided in Section 605(a) of the FCRA, you are hereby notified of the following important consumer information: The law limits how long you can be sued on a debt. Because of the age of your debt, the creditor will not sue you for it. If you do not pay the debt, the creditor may report or continue to report it to the credit reporting agencies as unpaid.

If your debt is past the statute of limitations and is past the date for obsolescence as provided in Section 605(a) of the FCRA, you are hereby notified of the following important consumer information: The law limits how long you can be sued on a debt. Because of the age of your debt, the creditor will not sue you for it and will not report it to any credit reporting agencies.

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.
If your debt is past the statute of limitations, you are hereby notified of the following important consumer information:
WE ARE REQUIRED BY REGULATION OF THE MASSACHUSETTS ATTORNEY GENERAL TO NOTIFY YOU OF THE FOLLOWING INFORMATION. THIS INFORMATION IS NOT LEGAL ADVICE: THIS DEBT MAY BE TOO OLD FOR YOU TO BE SUED ON IT IN COURT. IF IT IS TOO OLD, YOU CANNOT BE REQUIRED TO PAY IT THROUGH A LAWSUIT. TAKE NOTE: YOU CAN RENEW THE DEBT AND THE STATUTE OF LIMITATIONS FOR THE FILING OF A LAWSUIT AGAINST YOU IF YOU DO ANY OF THE FOLLOWING: MAKE ANY PAYMENT ON THE DEBT; SIGN A PAPER IN WHICH YOU ADMIT THAT YOU OWE THE DEBT OR IN WHICH YOU MAKE A NEW PROMISE TO PAY; SIGN A PAPER IN WHICH YOU GIVE UP OR WAIVE YOUR RIGHT TO STOP THE CREDITOR FROM SUIING YOU IN COURT TO COLLECT THE DEBT. WHILE THIS DEBT MAY NOT BE ENFORCEABLE THROUGH A LAWSUIT, IT MAY STILL AFFECT YOUR ABILITY TO OBTAIN CREDIT OR AFFECT YOUR CREDIT SCORE OR RATING.

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

NEW MEXICO:If your debt is past the statute of limitations, you are hereby notified of the following important consumer information: We are required by New Mexico Attorney General Rule to notify you of the following information. This information is not legal advice: This debt may be too old for you to be sued on it in court. If it is too old, you can't be required to pay it through a lawsuit. You can renew the debt and start the time for filing of a lawsuit against you to collect the debt if you do any of the following: make any payment of the debt; sign a paper in which you admit that you owe the debt or in which you make a new promise to pay; sign a paper in which you give up ("waive") your right to stop the debt collector from suing you in court to collect the debt.

NEVADA (Medical Accounts Only): If you pay or agree to pay the debt or any portion of the debt, the payment or agreement to pay may be construed as: (1) an acknowledgement of the debt by the consumer; and (2) a waiver by you of any applicable statute of limitations set forth in NRS 11.190 that otherwise precludes the collection of the debt. If you do not understand or have questions concerning your legal rights or obligations relating to the debt, you should seek legal advice.

NEW YORK: New York City Department of Consumer Affairs License number 1254605. Call back name and phone number: Bruce Hotaling at (800) 433-5709 during normal business hours.

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: a) the use or threat of violence, b) the use of obscene or profane language; and c) repeated phone calls made with the intent to annoy, abuse, or harass. 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.

If your debt is past the statute of limitations, you are hereby notified of the following important consumer information:
We are required by regulation of the New York State Department of Financial Services to notify you of the following information. This information is NOT legal advice: Your creditor or debt collector believes that the legal time limit (statute of limitations) for suing you to collect this debt may have expired. It is a violation of the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq., to sue to collect on a debt for which the statute of limitations has expired. However, if the creditor sues you to collect on this debt, you may be able to prevent the creditor from obtaining a judgment against you. To do so, you must tell the court that the statute of limitations has expired. Even if the statute of limitations has expired, you may choose to make payments on the debt. However, be aware: if you make payments on the debt, admit to owing the debt, promise to pay the debt, or waive the statute of limitations on the debt, the time period in which the debt is enforceable in court may start again. If you would like to learn more about your legal rights and options, you can consult an attorney or a legal assistance or legal aid organization.

NYC CONSUMERS: If your debt is past the statute of limitations, you are hereby notified of the following important consumer information: WE ARE REQUIRED BY LAW TO GIVE YOU THE FOLLOWING INFORMATION ABOUT THIS DEBT. The legal time limit (statute of limitations) for suing you to collect this debt has expired. However, if somebody sues you anyway to try to make you pay this debt, court rules REQUIRE YOU to tell the court that the statute of limitations has expired to prevent the creditor from obtaining a judgment. Even though the statute of limitations has expired, you may CHOOSE to make payments. However, BE AWARE: if you make a payment, the creditor's right to sue you to make you pay the entire debt may START AGAIN.

NORTH CAROLINA: NC Dept. Ins. Permit # 4502.

TENNESSEE: 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.

WEST VIRGINIA: If your debt is past the statute of limitations but is not past the date for obsolescence as provided in Section 605(a) of the FCRA, you are hereby notified of the following important consumer information: The law limits how long you can be sued on a debt. Because of the age of your debt, the creditor cannot sue you for it. If you do not pay the debt, the creditor may report or continue to report it to the credit reporting agencies as unpaid.

If your debt is past the statute of limitations and is past the date for obsolescence as provided in Section 605(a) of the FCRA, you are hereby notified of the following important consumer information: The law limits how long you can be sued on a debt. Because of the age of your debt, the creditor cannot sue you for it and cannot report it to any credit reporting agencies."

STATUTE OF LIMITATIONS: If your debt is past the statute of limitations, you are hereby notified of the following important consumer information: The law limits how long you can be sued on a debt. This debt may be too old for you to be sued on in court. If it is too old, you cannot be required to pay it through a lawsuit. In many circumstances you can renew the debt and start the time period over for filing a lawsuit to recover this debt if you take specific action such as making a payment, signing a paper in which you admit that you owe the debt or make a new promise to pay, or signing a paper in which you give up or waive your right to stop the creditor from suing you in court to collect the debt.

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