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 AM or after 9 PM. They may not harass you by using threats of violence, arrest, or 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 877-FTC-HELP or http://www.ftc.gov.
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. We will not submit a negative credit report to a credit reporting agency about this credit obligation until your account has been at our office for at least thirty days.
ILLINOIS: We will provide you with the name and address of the original creditor if different from the current creditor.
MASSACHUSETTS: Massachusetts residents may contact our office by telephone at the number and address stated at the beginning of this email (above) or at 765-962-7507 between the hours of 8 AM and 9 PM Eastern Time, Monday through Thursday. 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.
MAINE: Maine residents may contact our office by telephone between 8 AM and 8 PM Eastern Time. 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 day 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.
NEW MEXICO: We are required by the 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 cannot 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 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: If the consumer pays or agrees to pay the debt or any portion of the debt, the payment agreement to pay may be construed as (1) an acknowledgment of the debt by the consumer; and (2) a waiver by the consumer of any applicable statute of limitations set forth in NRS 11.190 that otherwise precludes the collection of the debt; and (3) if the consumer does not understand or has questions concerning his/her legal rights or obligations relating to the debt, the debtor should seek legal advice.
OHIO: Alternatively, if you have a complaint about the way we are collecting your debt, please contact the Ohio Attorney Generals Office online at http://www.ohioattorneygeneral.gov; by telephone at 1-800-282-0515 between the hours of 8 AM and 7 PM Eastern Time, Monday through Friday; or by mail at 30 E. Broad Street, 14th Floor, Columbus, Ohio 43215.
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. We will not submit a negative credit report to a credit reporting agency about this credit obligation until the expiration of the time period described on the front of this letter.