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We are required under certain Federal, State and Local laws to notify consumers of certain rights. This list does not contain a complete list of the rights for consumers under Federal, State, or Local laws.

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

ADDITIONAL INFORMATION FOR 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.

ADDITIONAL INFORMATION FOR COLORADO RESIDENTS
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 action authorized by law to collect the debt. In state office: Colorado Manager Inc., 80 Garden Center, Suite 3, Broomfield, CO 80020, (303) 920-4763.

ADDITIONAL INFORMATION FOR MAINE RESIDENTS
Please be advised that Western Union and MoneyGram may charge a fee for their payment services. General Office Hours: Monday – Friday, 8:30 a.m. – 5:00 p.m. (Pacific Time).

ADDITIONAL INFORMATION FOR 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 collection agency. General Office Hours: Monday – Friday, 8:30 a.m. – 5:00 p.m. (Pacific Time).

ADDITIONAL INFORMATION FOR MINNESOTA RESIDENTS
THIS COLLECTION AGENCY IS LICENSED BY THE MINNESOTA DEPARTMENT OF COMMERCE.

ADDITIONAL INFORMATION FOR NEW YORK & NEW YORK CITY RESIDENTS
New York City Department of Consumer Affairs License numbers 2000745, 2000744, and 2000742.

Debt collectors, in accordance with the federal Fair Debt Collection Practices Act, 15 USC §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.”
“We are required by regulation of the New York State Department of Financial Services to notify you of the following information. This information is NOT legal advice:

Your creditor or debt collector believes that the legal time limit (statute of limitations) for suing you to collect this debt may have expired. It is a violation of the Fair Debt Collection Practices Act, 15 U.S.C.§ 1692 et seq., to sue to collect on a debt for which the statute of limitations has expired. However, if the creditor sues you to collect on this debt, you may be able to prevent the creditor from obtaining a judgment against you. To do so, you must tell the court that the statute of limitations has expired.

Even if the statute of limitations has expired, you may choose to make payments on the debt. However, be aware: if you make a payment on the debt, admit to owing the debt, promise to pay the debt, or waive the statute of limitations on the debt, the time period in which the debt is enforceable in court may start again.

If you would like to learn more about your legal rights and options, you can consult an attorney or a legal assistance or legal aid organization.”

ADDITIONAL INFORMATION FOR NORTH CAROLINA RESIDENTS
ARS National Services Inc., 201 West Grand Ave., Escondido, CA 92025, Permit #'s 111956, 111957, and 111965.

ADDITIONAL INFORMATION FOR TENNESSEE RESIDENTS
This collection agency is licensed by the Collection Service Board of the Department of Commerce and Insurance.

ADDITIONAL INFORMATION FOR WASHINGTON RESIDENTS
ARS National Services Inc., 201 West Grand Ave., Escondido, CA 92025, License #601 722 831.