Colorado - FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES, 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. Colorado Office: 3501 S. Shields, Fort Collins, CO 80526, (970) 229-1960.
North Carolina - North Carolina Department of Insurance Permit #119501769
NOTICE OF IMPORTANT RIGHTS
OFFICE HOURS: MONDAY-FRIDAY 8:00 AM - 5:00 PM (central)
Maine - OFFICE HOURS: MONDAY - FRIDAY 8:00AM - 5:00PM CST.
Wisconsin - This collection agency is licensed by the Division of Banking in the Wisconsin Department of Financial Institutions, www.wdfi.org.
“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.”
Minnesota - This collection agency is licensed by the Minnesota Department of Commerce.
Tennessee: This collection agency is licensed by the Collection Service Board, State Department of Commerce and Insurance.
New York City: New York City Department of Consumers Affairs license number #1305629.
New York State
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 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: