Know Your Rights

California Residents:

California License #XXXXX. 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 8a.m. or after 9p.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

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.

In-State office: <XXX Street name, Suite number, City in Colorado, Colorado> <Zip code>. Toll Free# <1-866-XXX-XXXX>.

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 in writing to the debt collector.

Minnesota Residents:

This Collection Agency is licensed by the Minnesota Department of Commerce.

New York Residents:

New York City License #XXXXX. [Include any language access services available through Steel River Systems, Inc.]. A translation and description of commonly-used debt collection terms is available in multiple languages on the Department’s website at

North Carolina Residents:

North Carolina Department of Insurance Permit #

Tennessee Residents:

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

Wisconsin Residents:

This collection agency is licensed by the Division of Banking in the Wisconsin Department of Financial Institutions,