State of California:

The state Rosenthal Fair Debt Collection Practices Act and the federal Fair Debt Collection Practice 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 877-FTC-HELP or www.ftc.gov.

State of Colorado:

FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE HTTPS://COAG.GOV/OFFICE-SECTIONS/CONSUMER-PROTECTION/CONSUMER-CREDIT-UNIT/COLLECTION-AGENCY-REGULATION/. 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.

State of Illinois:

We will provide you with the name and address of the original creditor, if different from the current credit

New York City:

NYC New York City Department of Consumer Affairs license numbers: 2096453

State of New York:

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: a) the use of threat or violence b) the use of obscene or profane language; and c) 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) Ninety percent of your wages or salary earned in the last sixty days. We do not offer services in any language other than English. For a translation and description of commonly-used debt collection terms in a consumer's preferred language, you may visit the NYC Department of Consumer and Worker Protection (new name for Department of Consumer Affairs) website at www. nyc.gov/dca. You may request written communications in an alternative, reasonably accommodatable format selected by our company such as large print; please contact us at (845) 723-3077.

State of Ohio:

Alternatively, if you have a complaint about the way we are collecting your debt, please contact the Ohio Attorney General’s Office online at www.ohioattorneygeneral.gov; by telephone at 1-800-282-0515 between the hours of 8 A.M. to 7 P.M. Eastern Time, Monday through Friday; or by mail at 30 E. Broad St., 14th Floor, Columbus, OH 43215.

State of Utah:

As required by Utah 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 obligations.

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