Collection Agency ~ Federal Disclosures
This Communication is from a Professional Debt Collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.
State Level Compliance Disclosures
IF YOU LIVE IN CALIFORNIA, THIS APPLIES TO YOU. 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.
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.
CALIFORNIA DEBT BUYER ACCOUNTS
You may request records showing the following: (1) that the current owner 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 charged-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 creditor’s or debt buyer’s 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: R.A.S Mediations, 2740 East W.T. Harris Boulevard, Suite #100, Charlotte, North Carolina 28213-4079 or eMail [email protected]
CALIFORNIA MEDICAL ACCOUNTS ONLY
Non-Profit Counseling services may be available in your area.
IF YOU LIVE IN THE CITY OF CHICAGO, ILLINOIS THIS APPLIES TO YOU. This collection agency is licensed by the City of Chicago, License Number: XXXXXXXXXX.
IF YOU LIVE IN THE STATE OF COLORADO, THIS APPLIES TO YOU. FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE WWW.COAG.GOV/CAR.
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
This collection agency operates a Colorado office with the following address and telephone number. Our Colorado Address is: <ADDRESS1, ADDRESS2, CITY, STATE, ZIP+4>. Our Colorado Telephone Number is: (AREA CODE) XXX-XXXX. Only physical in-person payments may be accepted at this office location. All payments made via mail should be sent to the following address: 2740 East W.T. Harris Boulevard, Suite #100, Charlotte, North Carolina 28213-4079.
IF YOU LIVE IN THE STATE OF CONNECTICUT, THIS APPLIES TO YOU. This collection agency is licensed by the State of Connecticut, Department of Banking, 260 Constitution Plaza, Hartford, Connecticut 06103.
IF YOU LIVE IN THE STATE OF KANSAS, THIS APPLIES TO YOU. An investigative consumer report including information as to your character, general reputation, personal characteristics and mode of living, whichever are applicable, may be made on you. You have the right to request information regarding the nature and scope of this investigation.
IF YOU LIVE IN THE STATE OF MAINE, THIS APPLIES TO YOU. Our office hours are 07:45am – 10:00pm Monday – Friday and 07:45am – 02:15pm Saturday Eastern Time Zone.
IF YOU LIVE IN THE STATE OF MASSACHUSETTS, THIS APPLIES TO YOU. 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.
Our Massachusetts address is: <ADDRESS1, ADDRESS2, CITY, STATE, ZIP+4>. The office is open from <OPEN TIME TO CLOSE TIME>.
IF YOU LIVE IN THE STATE OF MINNESOTA, THIS APPLIES TO YOU. This collection agency is licensed by the Minnesota Department of Commerce. Our office hours are 07:45am – 10:00pm Monday – Friday and 07:45am – 02:15pm Saturday Eastern Time Zone.
MINNESOTA MEDICAL ACCOUNTS ONLY
If you feel that your concerns have not been addressed, please contact our compliance department at (855) 797-5605 or [email protected] 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 toll free at (800) 657-3787 or local at (651) 296-3353.
NEVADA MEDICAL ACCOUNTS ONLY
IF YOU LIVE IN THE STATE OF NEVADA, THIS APPLIES TO YOU. If you pay or agree to pay the debt or any portion of the debt, the payment or agreement to pay may be construed as an acknowledgement of the debt by you the consumer, and/or a waiver by you the consumer of any applicable statute of limitations set forth by NRS 11.190 that otherwise precludes the collection of the debt. If you do not understand or have questions concerning your legal rights or obligations relating to the debt, you should seek legal advice.
NEW YORK STATE
IF YOU LIVE IN NEW YORK STATE, THIS APPLIES TO YOU. In accordance with the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq., debt collectors are prohibited from engaging in abusive, deceptive, and misleading 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. Veteran’s 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.
BUFFALO, NEW YORK
IF YOU LIVE IN BUFFALO, NEW YORK THIS APPLIES TO YOU. This collection agency is licensed by the City of Buffalo, License number XXXXXXXXXX.
NEW YORK CITY
IF YOU LIVE IN ANY OF THE BOROUGHS OF NEW YORK CITY, NEW YORK, THIS APPLIES TO YOU. This collection agency is licensed by the Department of Consumer Affairs of the City of New York, License # XXXXXXXXX. Call-back contact name, telephone number & eMail address: Danny Czyrny, Chief Compliance Officer at (855) 797-5605 or [email protected]
YONKERS, NEW YORK
IF YOU LIVE IN YONKERS, NEW YORK, THIS APPLIES TO YOU. This collection agency is licensed by the City of Yonkers, License Number: XXXXXXXXXX.
IF YOU LIVE IN NORTH CAROLINA, THIS APPLIES TO YOU. North Carolina Department of Insurance Permit Number XXXXXXXXXX.
IF YOU LIVE IN TENNESSEE, THIS APPLIES TO YOU. This collection agency is licensed by the Tennessee Collection Service Board of the Department of Commerce and Insurance, 500 James Robertson Parkway, Nashville, Tennessee 37243.
IF YOU LIVE IN UTAH, THIS APPLIES TO YOU. 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.
IF YOU LIVE IN WISCONSIN, THIS APPLIES TO YOU. This collection agency is licensed by the Office of the Administrator of the Division of Banking, Department of Financial Institutions, Post Office Box 7876, Madison, Wisconsin 53707 ~ www.wdfi.org.