Consumer Disclosures

Your Legal Rights

CALIFORNIA RESIDENTS: 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. 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 on the front of this letter.

COLORADO RESIDENTS: 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.

Local Colorado Office: 5754 W. 11th St., Suite 100, Greeley, CO 80634. Tele: (855) 267-5572

FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE: HTTPS://coag.gov/OFFICE-SECTIONS/CONSUMER-PROTECTION/CONSUMER-CREDIT-UNIT/COLLECTION-AGENCY-REGULATION/

CONNECTICUT RESIDENTS: This collection agency is licensed in Connecticut.

NMLS number:

#CCA 936788

MAINE RESIDENTS: This collection agency is licensed in Maine, the corporate location is 5754 W. 11th St., Suite 100, Greeley, CO 80634

#DCL11293

MARYLAND RESIDENTS: This collection agency is licensed in Maryland, additional information can be found at www.nmlsconsumeraccess.org

NMLS License Identifier:

#936788

MASSACHUSETTS RESIDENTS: 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 10 days unless you provide written confirmation of the request postmarked or delivered within 7 days of such request. You may terminate this request by writing to the debt collector at 5754 W. 11th St., Suite 100, Greeley, CO 80634. Office hours: 8am to 6pm MST, Monday - Friday.

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

NEVADA RESIDENTS: If the consumer pays or agrees to pay the debt or any portion of the debt, the payment or agreement to pay may be construed as: (1) an acknowledgment of the debt by the consumer; and (2) a waiver by the consumer of any applicable statute of limitations set forth in NRS 11.190 that otherwise precludes the collection of the debt; and (3) if the consumer does not understand or has questions concerning his/her legal rights or obligations relating to the debt, the debtor should seek legal advice.

NEW MEXICO RESIDENTS - For medical debts only:

Information regarding your medical debt, including a complete and plain-language description of the date, amount and nature of all charges; if the patient is verified as having health insurance; if the health care facility screened the patient for programs that assist with health care costs; and if the health care facility or third-party health care provider has billed or will bill insurance or public programs that may assist with health care costs for the services provided is available and will be provided to you upon request.

NORTH CAROLINA RESIDENTS: This collection agency is licensed in North Carolina, pursuant to permit number:

#NC Permit No. 4504

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

UTAH RESIDENTS: As required by Utah 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. 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 on the front of this letter.

WASHINGTON RESIDENTS - For medical debts only:

You have the right, upon written or oral request, to request the original account number or redacted original account number assigned to the debt, the date of the last payment, and an itemized statement containing the name and address of the medical creditor, the date, dates or date range of service and the health care services provided as indicated by the provider.