IMPORTANT INFORMATION

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.

Federal and state law prohibit certain methods of debt collection and require that we treat you fairly. If you have a complaint about the way we are collecting your debt, please contact us directly, or contact the FTC online at www.ftc.gov: by phone at 1-877-FTC-HELP, or by mail at 600 Pennsylvania Ave., NW, Washington DC 20580. If you want information about your rights when you are contacted by a debt collector, please contact the FTC online at www.ftc.gov.

The account balance reflected in this communication may be periodically increased due to the addition of accrued interest or other charges as provided in the agreement with the original creditor or otherwise provided by state law.

Avoid Late Charges: Your account may be subject to late charges. Please refer to your contract for specific details.

We may report information about your account to credit bureaus. Late payment, missed payments, or other defaults on your account may be reflected in your credit report.

When you provide a check as payment, you authorize us either to use the information from your check to make a one-time electronic funds transfer from your account or to process the payment as a check transaction for the amount of the check. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment. You will not receive your check back from your financial institution.

Arizona Residents: We are licensed as a Collection Agency in Arizona.

California Residents: As required by the California Consumer Credit Reporting Agencies Act, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.

Hawaii Residents: We are licensed as a Collection Agency in Hawaii.

Iowa Residents: We are licensed as a Collection Agency in Iowa.

Maine Residents: We are licensed as a Collection Agency in Maine.

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 (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 COLLECTION AGENCY.

Minnesota Residents: This collection agency is licensed by the Minnesota Department of Commerce.

New York City Residents: This collection agency is licensed by the Department of Consumer Affairs of the City of New York; License # 1308705. 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." 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.

North Carolina Residents: This agency is licensed by the North Carolina Department of Insurance; Permit No. 102795.

Tennessee Residents: This collection agency is licensed by the Tennessee Collection Service Board, State Department of Commerce and Insurance.

Utah Residents: As required by Utah law, you are hereby notified that a negative credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.