Consumer Rights

TO ALL CONSUMERS – This is a communication from a debt collector. This is an attempt to collect a debt. Any information obtained will be used for that purpose.

Please be aware of the following rights. This list does not contain a complete list of the rights consumers have under state and federal law.

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 agency 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 this notice.

Colorado Residents: The Colorado office of RPM is located at 80 Garden Center STE 3 Broomfield, CO 80020, telephone (303) 920-4763. 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.

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 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.

Maine Residents: Hours of Operation: Mon - Fri: 7:30am – 5:00pm PDT; Sat: 7:00am – 12:00pm PDT; Call Toll Free 866-269-9306

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

Nevada Residents: NOTE: If you pay or agree to pay all or any part of the debt referenced in this letter, your payment or agreement to pay may be construed as your acknowledgment of the debt and that you agree to waive any applicable statute of limitations. Seek legal advice if you have questions concerning your legal right or obligations relating to this debt. Pursuant to NRS 649.375, please be advised that if you pay the above account by any method other than mailing us a payment or making a payment via our website, we may add a convenience fee. If you mail the payment or make it via our website no fee will apply. Also be advised, this notice does not limit your rights under the law, a set forth on the front side of this notice, to dispute the debt, to request us to validate the debt or to disclose the identity of the original creditor if different than the one shown.

New York Residents: 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:
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. Veterans’ 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.

New York City Borough Residents: Department of Consumer Affairs, City of New York, License # 1291891. Please contact Mariella Espinoza at (866) 269-9306 if you have questions.

City of Yonkers, NY Residents: Please contact Mariella Espinoza at (866) 269-9306 if you have questions.

North Carolina Residents: North Carolina Department of Insurance Permit # 3942.

Tennessee Residents: This collection agency is licensed by the Collection Service Board, State 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 in this correspondence.