Arizona
ARIZONA: Everest Receivable Services, Inc. is a collection agency. Collection agency License #0921837
California
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 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. Nonprofit credit counseling services may be available in the area. You may request records showing the following: (1) that Everest Receivable Services Inc. 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 the debt became delinquent or the date of the last payment; (4) the name of the creditor and the account number associated with the debt; (5) the name and last known address of the debtor as it appeared in the creditor’s records prior to assignment of the debt; and (6) the names of all persons or entities other than the debt collector to which the debt has been assigned, if applicable. 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: Everest Receivables Services, Inc. 2351 N. Forest Road, Ste 100, Getzville, NY 14068. California License/Registration #: 10421-99
Colorado
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 action authorized by law to collect the debt. Colorado law prohibits credit bureaus from reporting medical debt or factoring medical debt into a credit score unless the consumer report is to be used in connection with a credit transaction that involves, or that may reasonably be expected to involve, a principal amount that exceeds the national conforming loan limit value for a one-unit property as determined by the federal housing finance authority. FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE HTTPS://COAG.GOV/OFFICE-SECTIONS/CONSUMER-PROTECTION/CONSUMER-CREDIT-UNIT/COLLECTION-AGENCY-REGULATION. The address and telephone number for our Colorado office is – 27 North Willerup, Suite B, Montrose, Colorado 81401. Telephone (970) 249-7514. License/Registration #: CAR-1000699
Connecticut
CONNECTICUT: Everest Receivable Services Inc, is licensed in Connecticut. License # CCA-926201. NMLS # 926201
District of Columbia
If your debt has not been reduced to a judgment by a court, you have the right to request the following information concerning your debt: (1) The name of the original creditor, and the name of any other owners of your debt, including the current owner; (2) Your last account number with the original creditor; (3) A copy of the signed contract, signed application, or other documents which show your obligations; (4) The date that your debt was incurred; (5) The date of your last payment, if applicable; and (6) An itemized accounting of the alleged debt, including the amount of any principal, interest, fees, or charges, and whether the charges were imposed by the original creditor, a debt collector, or other owner of the debt. For credit card or revolving credit accounts, the itemized accounting is measured from the charge-off balance. If your debt has been reduced to a judgment by a court, you have a right to a copy of the judgment, documentation establishing that the debt collector is the owner of the judgment, and an itemized accounting of the current balance due on the judgment. You may request the above information by contacting us by phone, mail, or email, at the following: Address: 2351 N. Forest Rd., Suite 100 Getzville, NY 14068 Phone: 888-397-2894 E-mail Address: admin@everest-inc.com 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
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 you notify us in writing within the 30-day period that the debt, or any portion thereof, is disputed, we will cease collection of the debt, or any disputed portion thereof until we obtain verification, as described in Mass. Regs. Code. tit. 940 § 7.08; and provide it to your attorney via first class mail. License/Registration #: DC926201
Maine
MAINE: A representative of Everest Receivable Services, is available to assist you during the hours of 8 AM and 5 PM EST, Monday-Friday, by calling 1-888-832-4090. You may also write to or appear in person at 2351 N. Forest Rd. Suite 100, Getzville NY 14068-9902. License/Registration #: DCL15767
Minnesota
MINNESOTA: This collection agency is licensed by the Minnesota Department of Commerce. If you feel that your concerns have not been addressed, please contact us at 1-888-832-4090 and allow us the opportunity to try and address your concerns. Or, you have the option to address any concerns with the Minnesota Attorney General’s Office which can be reached at 651-296-3353 or 1-800-657-3787. CREDIT COUNSELING SERVICES TO DEBTORS RESOURCE LIST PURSUANT TO MS §332.265 There are resources available to help manage your debt. The following Minnesota organizations offer debt and credit counseling services. LSS Financial Counseling Service 424 West Superior Street, Suite 600 Duluth, MN 55802 Phone: 888-577-2227. Family Means Financial Solutions 1875 Northwestern Avenue South Stillwater, MN 55082 Phone: 651-439-4840 | 800-327-3203. Consumer Credit of Minnesota 5871 Cedar Lake Rd S, #105 St. Louis Park, MN 55416 Phone: 952-544-6800. This resource list was reviewed by the Minnesota Department of Commerce as satisfying the requirements of Minnesota Statute 332.365. The Department of Commerce does not control or guarantee any of the services provided by these organizations. The provision of this list is not a referral to, or endorsement or recommendation of, any organization or the organization’s services. License/Registration #: 2401002733
North Carolina
NORTH CAROLINA: Everest Receivable Services, Inc.’s North Carolina Department of Insurance Permit Number 119504595.
New Mexico
NEW MEXICO: We are required by New Mexico Attorney General Rule to notify you of the following information. This information is not legal advice. The 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 the filing of a lawsuit against you to collect he 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. License/Registration #: 926201
New York
NEW YORK: 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. Our language access services are limited to our ability to make Spanish speaking representatives available to you upon request, but please note that we do not provide written correspondence translated to another language. Please contact us to confirm your preferred language. In addition, a translation and description of commonly-used debt collection terms is available in multiple languages on New York City’s Department of Consumer Affairs’ website at www.nyc.gov/dca. You can request communications in an alternative New York City Department of Consumer Affairs format such as large print, braille, or an audio compact disk and may request this as well via phone at 888-832-4090. You may also reach our organization by calling Devin Garey at 888-832-4090. New York City Department of Consumer Affairs License Number: 1333544.
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.
Wisconsin
Wisconsin – This collection agency is licensed by the Division of Banking in the Wisconsin Department of Financial Institutions, www.wdfi.org.