We are required under state or local law to notify consumers of the following rights. This is not a complete list of rights consumers may have under local, state or federal law.
| For Consumers Residing in: | Applicable Notification: |
| CA |
License Number = 10356-99 As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency by the current account owner if you fail to fulfill the terms of your credit obligations.
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| CO | Local business office & phone: The Executive Club Bldg., 1776 S. Jackson St, Suite 900, Denver CO 80210. 877-230-0368. |
| MA | 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 |
| MN | This collection agency is licensed by the Minnesota Department of Commerce. |
| NC |
North Carolina Company #: 119505276 First Credit Services, Inc. 9 Wills Way Bldg 3, Piscataway, NJ 08854-3770 |
| NY |
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. 90% of your wages or salary earned in the last 60 days. You may request a copy of this letter in large print format by calling us toll free at 866-904-0966. |
| NYC |
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. 90% of your wages or salary earned in the last 60 days. You may request a copy of this letter in large print format by calling us toll free at 866-904-0966. New York City Department of Consumer Affairs License Number: 1428221 First Credit Services, Inc., offers the following language access services to NYC Consumers: The option to speak with a First Credit Services, Inc., representative in Spanish. In addition, a translation and description of commonly-used debt collection terms is available in multiple languages on the New York City Department of Consumer Affairs website at www.nyc.gov/dca. |
| TN | This collection agency is licensed by the Collection Service Board of the Department of Commerce and Insurance. |
| WA | This collection agency is licensed in the State of Washington at the following address: 512 Bell Street, Edmonds, WA 98020 |