State Disclosures

For CALIFORNIA residents:

California Debt Collection License #: 10161-99

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 ftc.gov

California Consumer Privacy Act Notice (CCPA):

• If you reside in California, the California Consumer Privacy Act (CCPA) gives you certain rights. You may obtain a copy of Agency Name’s privacy policies by visiting our website, Agency Website and clicking on the “Privacy Policies” link or by calling us toll free at Agency Phone Number to request a copy of our policies, which will be provided at no cost to you.
• Nonprofit credit counseling services may be available in the area.
• 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 if you fail to fulfill the terms of your credit obligation.

For COLORADO residents:

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.

Colorado law prohibits credit bureaus from reporting medical debt or factoring medical debt into a credit score unless the consumer report is to be used in connection with a credit transaction that involves, or that may reasonably be expected to involve, a principal amount that exceeds the national conforming loan limit value for a one-unit property as determined by the federal housing finance authority.

FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE www.coag.gov/car
Our Instate Office is located at: 27 North Willerup, Suite B, Montrose, CO 81401 – Phone: (970) 249-7514 or toll free at 1-888-221-5155
Associated Collection Agencies, Inc.

For NEW YORK residents:

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: 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, maintenance (alimony) or child support; Unemployment benefits; Disability benefits; Workers’ compensation benefits; Public or private pensions; Veterans’ benefits; Federal student loans, federal student grants, and federal work study funds; and Ninety percent of your wages or salary earned in the last sixty days. If you have questions, please contact John Jones at the telephone number provided below.

For NEW YORK CITY residents:

New York City Department of Consumer Affairs License numbers: 2085870-DCA

List of NYC License Info

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.

That debt collectors, in accordance with the Fair Debt Collection Practices Act, 15 U.S. 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

PLEASE CALL TO REQUEST A COPY OF THIS NOTICE IN A LARGE PRINT FORMAT. THIS NEW NOTICE CAN BE SENT VIA USPS OR EMAIL.

We provide translation service in Spanish over the phone and in letter. A translation and description of commonly used debt collection terms is available in multiple languages at www.nyc.gov/dcwp

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 10 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.

For TENNESSEE residents:

Aldous & Associates, PLLC is licensed by the collection service board of the department of commerce and insurance.

For WASHINGTON D.C. residents:

You have the right to request all of the following concerning your debt:

1. Documentation of the name of the original creditor as well as the name of the current creditor or owner of your debt;
2. Your last account number with the original creditor;
3. A copy of the signed contract, signed application, or other documents providing evidence of your liability and its terms;
4. The date that your debt was incurred;
5. The date of your last payment, if applicable; and
6. An itemized accounting of the amount claimed to be owed including the amount of the principal, the amount of any interest, fees, or charges, and whether the charges were imposed by the original creditor, a debt collector, or a subsequent owner of the debt. You may request the above information by contacting us by phone, mail, or email at the following: Phone: 801.272.5281, Address: PO Box 171374 Holladay, UT 84117

For WYOMING residents:

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

Go to cfpb.gov/debt-collection to learn more about your rights under federal law.