Consumer Rights

This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.

Unless you notify this office within 30 days after receiving this notice that you dispute the validity of the debt, or any portion thereof, this office will assume the debt is valid. If you notify this office in writing within 30 days after receiving this notice that you dispute the validity of this debt, or any portion thereof, this office will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification. If you request of this office in writing within 30 days after receiving this notice this office will provide you with the name and address of the original creditor, if different from the current creditor.

This request for payment does not eliminate your right to dispute this debt or inquire for more information about this debt, as described in the previous paragraph.

Important Information. We are required under certain State and Local Laws to notify consumers of those State or Localities of the following rights. This list does not contain a complete list of the rights consumers have under Federal, State, or Local Laws.

CALIFORNIA RESIDENTS ONLY: 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.

COLORADO RESIDENTS ONLY: FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE HTTPS://COAG.GOV/OFFICE-SECTIONS/CONSUMER-PROTECTION/CONSUMER-CREDIT-UNIT/COLLECTION-AGENCY-REGULATION/. This agency’s Colorado resident office is located at 7200 S Alton Way, Suite B180 Centennial, CO 80012 and has a phone number of 303-768-0200. 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 collection agency from taking any other action authorized by law to collect the debt.

MASSACHUSETTS RESIDENTS ONLY:

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.

MINNESOTA RESIDENTS ONLY: This collection agency is licensed by the Minnesota Department of Commerce.

NEW YORK RESIDENTS ONLY: 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:

(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:

Supplemental security income, (SSI);
Social security;
Public assistance (welfare);
Spousal support, maintenance (alimony) or child support;
Unemployment benefits;
Disability benefits;
Workers’ compensation benefits;
Public or private pensions;
Veterans’ benefits;
Federal student loans, federal student grants, and federal work study funds; and
Ninety percent of your wages or salary earned in the last sixty days.

New York City Department of Consumer Affairs
License Number: 2080294-DCA

Language Access Services Available: Valor Intelligent Processing, LLC offers Spanish language services upon request. A translation and description of commonly used debt collection terms in a variety of languages is available on the NYC Department of Consumer and Work Protection website at www.nyc.gov/dca.

NORTH CAROLINA RESIDENTS ONLY:
North Carolina Permit Number 113797

TENNESSEE RESIDENTS ONLY: This collection agency is licensed by the Collection Service Board of the Tennessee Department of Commerce and Insurance.

Compliance

Consumer Rights