State/City Disclosures

For residents of 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 obligations. But we will not submit a negative credit report to a credit reporting agency about this credit obligation until the expiration of the time period described in the notice on the front of this letter.

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.

For residents of Colorado: In-State office: 700 Seventeenth Street, Suite 200, Denver, Colorado 80202. Toll Free# 1-866--436-4766.

For residents of 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 confirmation of the request postmarked or delivered within seven days of such request. You may terminate this request in writing to the debt collector.

For residents of New York City: This collection agency is licensed by the New York City Department of Consumer Affairs, License#: 1329626 for GA location. License#: 0888212 for NY location. When calling please ask for Vanessa Quinn.

For residents of North Carolina: North Carolina Department of Insurance Permit# 103649 for Georgia Location. Permit# 101370 for New York location.

For residents of North Carolina: This collection agency is licensed by the Collection Service Board of the Tennessee Department of Commerce and Insurance.

Georgia Location Physical Address: 3330 Chastain Meadows Pkwy., Suite 100, Kennesaw, GA 30144

New York Location Physical Address: 6 Neptune Rd., Suite 110, Poughkeepsie, NY 12601

Hours of Operation (Eastern Time):

8:30 a.m. to 9 p.m. Monday through Thursday

8:30 a.m. to 5:30 p.m. Friday