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: Please contact us to confirm your preferred language for future communications. All communications are in English with the following exception: Spanish-speaking agents are available by phone upon request. Written communications are in English. A translation and description of commonly used debt collection terms is available in multiple languages at www.nyc.gov/dca.

New York City Department of Consumer Affairs License Number: 1026314

Consumer call back number is (800)932-2851, and ask for Adam Mertes.

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:

a) the use or threat of violence;
b) the use of obscene or profane language; and
c) 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.

Notification of Right to Request Substantiation

If you wish to request substantiation of the debt, you may make a request for substantiation by notifying RMS-Recovery Management Services, Inc. in writing to: RMS-Recovery Management Services, Inc. P.O. Box 857 Warrenville, IL 60555, indicating you are requesting substantiation of the debt. Please identify your name and account number clearly in the correspondence. Once a debt collector such as RMS-Recovery Management Services, Inc. receives a written request for substantiation, the debt collector must cease collection of the debt until substantiation has been provided to the consumer. Substantiation must be provided within 60 days of receiving the request. A debt collector must substantiate a debt pursuant to this section only once during the period that the debt collector owns or has the right to collect the debt. Unlike the 30 day validation period under the FDCPA, there is no specific time limit outlined in the regulations during which a consumer must request substantiation.

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.