*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 form taking any other action authorized by law to collect the debt.
Colorado office: 27 N Willerup STE B Montrose, CO 81401, 970.249.7514

*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 obligation until expiration of the time period described [above/below/on the front of this letter/ on back of this letter].
The Rosenthal Fair Debt Collection Practice 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 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.

*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 CONFORMATION OF THE REQUEST POST MARKED 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:
New York City Department of Consumer Affairs License Number: 1326062

*TENNESSEE:
This collection agency is licensed by the Collection Service Board of the Department of Commerce and Insurances

*UTAH:
As required by Utah law, you are hereby notified that a negative credit report reflection 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 tim period described [above/belowon the front of this letter/ on back of this letter].

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

Hours of Operation: M – TH 8:00AM – 7:00PM ET / FR 8:00AM – 5:00PM ET