IMPORTANT INFORMATION ABOUT YOUR ACCOUNT

Federal Law and the laws of various states require us to provide the following information:

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 are required under state law to notify consumers of the following rights. This list does not represent a complete list of consumer’s rights under either state or federal laws.

California – As required by Law, the state Rosenthal Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act require that, except in unusual circumstances, collectors may not contact you before 8AM or after 9PM. 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 locations 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 your area.
Colorado – 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. Colorado in-state location is: 7400 E Orchard Road, Suite 270S, Greenwood Village, CO 80111 and phone number is 720-258-8232.
Minnesota – This collection agency is licensed by the Minnesota Department of Commerce.
Nevada – Please be advised that if you choose to make your payment online or via credit card, you may be charged a processing fee in an amount up to $4.75 plus 2.88% of the amount of your payment.
New York City – License Number - Dallas Office - 1240545
North Carolina – Collection Agency Permit No. – Dallas - 119505976
Tennessee - This Office is licensed by the Collection Service Board of the Department of Commerce and Insurance – Collection License 807 – Mortgage License 109280
Texas – COMPLAINTS REGARDING THE SERVICING OF YOUR MORTGAGE SHOULD BE SENT TO THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 North Lamar, Suite 201, Austin, TX 78705. A TOLL-FREE NUMBER IS AVAILABLE AT (877) 276-5550.
Yonkers – Collection License Number - 9845

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