Copyright 2022. © ARS National Services Inc. All Rights Reserved
State Disclosures
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.
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 www.ftc.gov.
ADDITIONAL INFORMATION FOR COLORADO RESIDENTS
FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE HTTPS://COAG.GOV/OFFICE-SECTIONS/CONSUMER-PROTECTION/CONSUMER-CREDIT-UNIT/COLLECTION-AGENCY-REGULATION/. 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., 8690 Wolff Court, Suite 110, Westminster, CO 80031, (303) 920-4763.
ADDITONAL INFORMATION FOR DISTRICT OF COLUMBA RESIDENTS
270 W 2nd Ave., Escondido, CA 92025
ADDITIONAL INFORMATION FOR MAINE RESIDENTS
Please be advised that Western Union and MoneyGram may charge a fee for their payment services. General Office Hours: 8:30 a.m. - 10:00 p.m. and Saturday 9:00 a.m. - 5:00 p.m. (Eastern Time).
ADDITIONAL INFORMATION FOR MARYLAND RESIDENTS
Maryland Department of Labor NMLS ID# 934304, 944368, 944372 & 1738128.
To verify our licenses, please visit: https://www.nmlsconsumeraccess.org/.
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. - 10:00 P.M. AND SATURDAY 9:00 A.M. - 5:00 P.M. (EASTERN TIME).
ADDITIONAL INFORMATION FOR MINNESOTA RESIDENTS
THIS COLLECTION AGENCY IS LICENSED BY THE MINNESOTA DEPARTMENT OF COMMERCE.
ADDITIONAL INFORMATION FOR NEW HAMPSHIRE RESIDENTS
270 W 2nd Ave., Escondido, CA 92025
ADDITIONAL INFORMATION FOR NORTH CAROLINA RESIDENTS
270 W 2nd Ave., Escondido, CA 92025
North Carolina Department of Insurance Company # 119505661, 119507190, 119505670, 119505662..
ADDITIONAL INFORMATION FOR NEW YORK RESIDENTS
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.”
ADDITIONAL INFORMATION FOR NEW YORK CITY RESIDENTS
New York City Department of Consumer Affairs License numbers 2000745, 2000744, 2000742 and 2069412.
To better serve you, please advise us if you have a language preference other than English. A translation and description of commonly used debt collection terms is available in multiple languages on New York City’s Department of Consumer Affairs’ website at www.nyc.gov/dca. When permitted by our client, ARS offers Spanish language access services, including collection agents who speak Spanish, a website which is accessible in Spanish, and ARS can send you on request correspondence in Spanish..
ADDITIONAL INFORMATION FOR TENNESSEE RESIDENTS
This collection agency is licensed by the Collection Service Board of the Department of Commerce and Insurance, 500 James Robertson Parkway, Nashville, Tennessee 37243
ADDITIONAL INFORMATION FOR WASHINGTON RESIDENTS
270 West 2nd Ave., Escondido, CA 92025, License # 601722831-01-0001
9859 7th Street, Rancho Cucamonga, CA 91730, License # 601722831-001-0003
7960 Baymeadows Way, Building 6, Suite 300, Jacksonville, FL 32256, License # 601722831-001-0002
9702 Bissonnet St., Suite 2300W, Houston, TX 77036, License # 601722831-001-0005
