State Disclosures

Disclosure: We are required by law to notify consumer of the following rights. This list does not include a complete list of rights consumers have under state and federal laws.

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 9p.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-FTCHELP or http://www.ftc.gov. If Credit Solutions Corp is collecting this debt on behalf of CU Revest, LLC, a debt buyer: You may request records showing the following: (1) that CU Revest, LLC 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. A request for these records may be addressed to: CU Revest C/O Credit Solutions Corp., 2650 Camino Del Rio N STE 205, San Diego, CA 92108. CA DFPI Collection Agency License #10479-99.

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.

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.  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 CREDITOR. Mass. Regs. Code tit. 940 Section 7.04(1)(i) (West, WESTLAW through June 8, 2012).  Please be further advised: Because of the age of your debt,  we will not report it to any credit reporting agency. 

MAINE:

Hours of operations are Monday-Friday 8am-5pm Pacific Time.

MINNESOTA:

This Collection Agency is licensed by the MN Commerce Dept., 85 7th Place East, #500, St. Paul, MN 55101. License No: 40323892. 

NEW YORK CITY:

NOTICE OF IMPORTANT CONSUMER RIGHTS INFORMATION Please be advised 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. 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 Department of Consumer Affairs License Number: 1454300-DCA

NORTH CAROLINA:

This collection agency is licensed by the North Carolina Department of Insurance. The permit certificate number is #111759.

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.