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This is an attempt to collect a debt. Any information obtained will be used for that purpose.

 

 

 

 

State Disclosures


We are required under state law to notify consumers of the following rights. The list does not contain a complete list of the rights consumers have under state and federal law.

The following disclosure applies to residents of California:

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 www.ftc.gov.

You may request records showing the following: (1) that the current creditor has the right to seek collection of the debt; (2) the debt balance, including an explanation of any interest charges and additional fees; (3) the date of default or the date of the last payment; (4) the name of the charge-off creditor and the account number associated with the debt; (5) the name and last known address of the debtor as it appeared in the charge-off creditor's or debt buyer's records prior to the sale of the debt, as appropriate; and (6) the names of all persons or entities that have purchased the debt. You may also request from us a copy of the contract or other document evidencing your agreement to the debt.

A request for these records may be addressed to:

Nationwide Recovery Systems Ltd. 510 Shelley Dr, Suite 300, Tyler TX 75701.

Nonprofit credit counseling services may be available in the area.

Special Text for Purchased Out of Statute Debts

When collecting on debt in which the statute of limitations has expired, but where the debt is not past the date for obsolescence provided for in § 605(a) of the Fair Credit Reporting Act:

The law limits how long you can be sued on a debt. Because of the age of your debt, we will not sue you for it. If you do not pay the debt, the owner of the debt may [continue to] report it to the credit reporting agencies as unpaid for as long as the law permits this reporting.

When collecting on a debt in which the statute of limitations has expired and where the debt is past the date for obsolescence provided for in § 605(a) of the Fair Credit Reporting Act:

The law limits how long you can be sued on a debt. Because of the age of your debt, we will not sue you for it, and we will not report it to any credit reporting agency.

The following disclosure applies to residents of New York:

We are required under state 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.

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 judgement 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.

New York residents you may contact Nicole Wilson regarding your account; however, you may be assisted by another person due to availability at 903-266-3900.

The following disclosure applies to residents of New York City:

New York City Department of Consumer Affairs License number 2016876-DCA

We conduct business primarily in English.  However, we may employ foreign language speakers from time to time and may, at the request of a consumer, accommodate verbal communication in a foreign language when available.  We do not offer translation services and do not offer translations of communications.           

A translation and description of commonly-used debt collection terms is available in multiple languages on the New York City Department of Consumer Affair’s website, www.nyc.gov/dca.

New York City regulations prohibit a debt collection agency from contacting a consumer regarding a time barred debt unless the agency first provides the consumer with information about the consumer’s legal rights.  According to rules promulgated by the New York City Department of Consumer Affairs, those collecting time-barred debt are required to provide the following disclosure in every permitted communication with the consumer:

WE ARE REQUIRED BY LAW TO GIVE YOU THE FOLLOWING INFORMATION ABOUT THIS DEBT. The legal time limit (statute of limitations) for suing you to collect this debt has expired. However, if somebody sues you anyway to try to make you pay this debt, court rules REQUIRE YOU to tell the court that the statute of limitations has expired to prevent the creditor from obtaining a judgment. Even though the statute of limitations has expired, you may CHOOSE to make payments. However, BE AWARE: if you make a payment, the creditor’s right to sue you to make you pay the entire debt may START AGAIN.


The following disclosure applies to residents of North Carolina:

North Carolina Department of Insurance Permit Number # 101711

The following disclosure applies to residents of Massachusetts:

This is an attempt to collect a debt from you, and we intend to use any information which we are able to obtain for that purpose.

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 collection agency.

You may call our toll-free number as listed below:

Monday - Friday 9 AM - 6 PM.
501 Shelley Dr, Suite 300, Tyler TX 75701.
972-798-1000

The following disclosure applies to residents of Maine:

Office Hours - Monday - Friday 8 AM to 8 PM CST

The following disclosure applies to residents of Minnesota:

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

The following disclosure applies to residents of Colorado:

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.

Local Office:
Colorado Manager, Inc. 8690 Wolff Court, Suite 110
Westminster, CO 80031
Phone: 303-920-4763

After a debt has been paid or settled in full, a collection agency shall provide a written statement or receipt that the debt has been paid or settled in full within ten (10) business days after request by the consumer. Such a statement shall be provided free of charge. A "business day" does not include Sundays or legal holidays.
The following disclosure applies to residents of Tennessee:

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

The following disclosure applies to residents of Connecticut:

Office Hours - Monday - Friday 8 AM to 8 PM CST

Special Text for Out of Statute Debts


When collecting on debt that is not past the date for obsolescence provided for in § 605(a) of the Fair Credit Reporting Act:

The law limits how long you can be sued on a debt. Because of the age of your debt the owner of the debt will not sue you for it. If you do not pay the debt, the owner of the debt may report or continue to report it to the credit reporting agencies as unpaid.

When collecting on debt that is past the date for obsolescence provided for in § 605(a) of the Fair Credit Reporting Act:

The law limits how long you can be sued on a debt. Because of the age of your debt, the owner of the debt will not sue you for it and the owner of the debt will not report it to any credit reporting agencies.


The following disclosure applies to residents 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. 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 above.


The following disclosure applies to residents of New Mexico:


Special Text for Out of Statute Debts

We are required by New Mexico Attorney General Rule to notify you of the following information. This information is not legal advice:

 This debt may be too old for you to be sued on it in court. If it is too old, you can’t be required to pay it through a lawsuit. You can renew the debt and start the time for the filing of a lawsuit against you to collect the debt if you do any of the following: make any payment of the debt; sign a paper in which you admit that you owe the debt or in which you make a new promise to pay; sign a paper  in which you give up (“waive”) your right to stop the debt collector from suing you in court to collect the debt.


The following disclosure applies to residents of West Virginia:


When collecting on a debt that is not past the date for obsolescence provided for in Section 605(a) of the Fair Credit Reporting Act, 15 U. S. C. 1681c:

The law limits how long you can be sued on a debt. Because of the age of your debt, the owner of the debt cannot sue you for it. If you do not pay the debt, the owner of the debt may report or continue to report it to the credit reporting agencies as unpaid.


When collecting on debt that is past the date for obsolescence provided for in Section 605(a) of the Fair Credit Reporting Act, 15 U. S. C. 1681c:

The law limits how long you can be sued on a debt. Because of the age of your debt, the owner of the debt cannot sue you for it and the owner of the debt cannot report it to any credit reporting agencies.

The following disclosure applies to residents of Texas:

Texas Fair Consumer Debt Collection Act (HB996):

If not past the FCRA date of obsolescence and the owner of the debt is credit reporting:

THE LAW LIMITS HOW LONG YOU CAN BE SUED ON A DEBT. BECAUSE OF THE AGE OF YOUR DEBT, WE WILL NOT SUE YOU FOR IT. IF YOU DO NOT PAY THE DEBT, THE OWNER OF THE DEBT MAY CONTINUE TO REPORT IT TO CREDIT REPORTING AGENCIES AS UNPAID FOR AS LONG AS THE LAW PERMITS THIS REPORTING. THIS NOTICE IS REQUIRED BY LAW.

If it is past the FCRA date of obsolescence so it cannot be credit reported:

THE LAW LIMITS HOW LONG YOU CAN BE SUED ON A DEBT. BECAUSE OF THE AGE OF YOUR DEBT, WE WILL NOT SUE YOU FOR IT, AND WE WILL NOT REPORT IT TO ANY CREDIT REPORTING AGENCY. THIS NOTICE IS REQUIRED BY LAW.