State and Federal Disclosures

We are required under state and federal law to notify consumers of the following rights. This list does not contain a complete list of the rights consumers have under state and federal law.

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

Consumers may request orally or in writing details regarding any debt being collected, including an itemization of the principal balance owed, all fees, interest, and any other amount charged to the account.

For the complete text of the federal Fair Debt Collection Practices Act, please visit the FTC website at http://www.ftc.gov/os/statutes/fdcpa/commentary.htm

For Residents in AZ: This is an attempt to collect a debt. Any information obtained will be used for that purpose. This is a communication from a debt collector.

For Residents in CO: This is an attempt to collect a debt. Any information obtained will be used for that purpose. This is a communication from a debt collector. FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE www.coloradoattorneygeneral.gov/ca. 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. Irvin Borenstein, Attorney at Law, Silverman / Borenstein PLLC, 13111 E. Briarwood Ave. #340, Centiennial, CO 80112. Phone 303-309-3839

For Residents in MA: This is an attempt to collect a debt. Any information obtained will be used for that purpose. This is a communication from a debt collector.

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 (10) DAYS UNLESS YOU PROVIDE WRITTEN CONFIRMATION OF THE REQUEST POSTMARKED OR DELIVERED WITHIN SEVEN (7) DAYS OF SUCH REQUEST. YOU MAY TERMINATE THIS REQUEST BY WRITING TO THE DEBT COLLECTOR.

For Residents in MN: This is an attempt to collect a debt. Any information obtained will be used for that purpose. This is a communication from a debt collector. This collection agency is licensed by the Minnesota Department of Commerce.

For Residents in NC: This is an attempt to collect a debt. Any information obtained will be used for that purpose. This is a communication from a debt collector. This agency is licensed by the North Carolina Department of Insurance; License # 104010.

For Residents in NV: This is an attempt to collect a debt. Any information obtained will be used for that purpose. This is a communication from a debt collector.

For Residents in NY: This is an attempt to collect a debt. Any information obtained will be used for that purpose. This is a communication from a debt collector. This collection agency is licensed by the Department of Consumer Affairs of the City of New York; License # 1026314.

For Residents in TN: This is an attempt to collect a debt. Any information obtained will be used for that purpose. This is a communication from a debt collector. This collection agency is licensed by the Tennessee Collection Service Board of the Department of Commerce and Insurance.

For Residents in WI: This is an attempt to collect a debt. Any information obtained will be used for that purpose. This is a communication from a debt collector. This collection agency is licensed by the office of the Administrator of the Division of Banking, P.O. Box 7876, Madison, WI 53707.