Please be aware of the following rights. This list does not contain a complete list of the rights consumers have under state and federal law.

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 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 http://www.ftc.gov/.

Non-profit credit counseling services may be available in the area. State and Federal law require debt collectors to treat you fairly and prohibit debt collectors from making false statements or threats of violence, using obscene or profane language, and making improper communications with third parties, including you employer.

As required by law, you are hereby notified that negative credit agency 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. We will not submit a negative credit report to a credit reporting agency about this credit obligation until the expiration of the time period described in the notice on the front of this letter.

Colorado Residents: The Colorado Office of FCR Services Services is located at 27042 Towne Centre Drive Suite 150, Foothill Ranch, CA 92610, telephone 800-979-8917. FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE WWW.COAG.GOV/CAR. 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.

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 collector.

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

Nevada Residents: NOTE: if you pay or agree to pay all or any part of the debt referenced in this letter, your payment or agreement to pay may be construed as your acknowledgment of the debt and that you agree to waive any applicable statute of limitations. Seek legal advice if you have questions concerning your legal right or obligations relating to this debt.

New York: In accordance with the Fair Debt Collection Practices Act, 15 U.S.C. & 1692 et seq., debt collectors are prohibited from engaging in abusive, deceptive, and unfair debt collection efforts, including but not limited to: the use or threat of violence, the use of obscene or profane language, and 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: supplemental security income (SSI), social security, public assistance (welfare), spousal support including maintenance (alimony) or child support, unemployment benefits, disability benefits, workers’ compensation benefits, public or private pensions, veterans’ benefits, federal student loans, federal student grants, federal work study funds, and ninety percent of you wages or salary earned in the last sixty days.

New York City Borough Residents: Department of Consumer Affairs, City of New York, License #000000. Please contact (insert101) at the number listed on the front of this letter regarding this matter.

North Carolina Residents: North Carolina Department of Insurance Permit #0000, North Carolina Department of Insurance Permit #000000, North Carolina Department of Insurance Permit #000000, North Carolina Department of Insurance Permit # 00000, North Carolina Department of Insurance Permit #000000.

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

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

Wisconsin Residents: This collection agency is licensed by the Division of Banking in the Wisconsin Department of Financial institutions, www.wdfi.org.

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

FCR Services Services may have a Spanish speaking representative available to assist you in Spanish if you select to call our offices. FCR Services Services does not provide any other language services at this time, including written notices in any language other than English.

Our New York customers may find a glossary of common debt collection terms in multiple languages on this site maintained by the New York City Department of Consumer and Worker Protection (DWCP)