California Residents Only:

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.

Nonprofit credit counseling services may be available in the area.

Weltman, Weinberg & Reis Co., LPA CA License # 10527-99

Colorado Residents Only:

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

Massachusetts Residents Only:

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.

Massachusetts Resident Office
49 Winter Street
Weymouth, MA 02189

Office hours:
Monday – Thursday 10am – 3 pm

866-765-3310

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

New York Residents Only:

Debt collectors, in accordance with the Fair Debt Collection Practices Act, 15 U.S.C. section 1692 et seq., are prohibited from engaging in abusive, deceptive, and unfair debt collection efforts, including but not limited to:

(i) The use or threat of violence;
(ii) The use of obscene or profane language; and
(iii) 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.

New York City Residents Only:

ACCESS Receivables Management is a licensed debt collection agency with the New York City Department of Consumer Affairs (license #1224304).

A translation and description of commonly used debt collection terms is available in multiple languages at www.nyc.gov/dca.

North Carolina Permit Number 112575.

The State of Rhode Island general laws prohibit credit bureaus from reporting medical debt or factoring medical debt into a credit score.

Access Receivables Management is licensed by the Collection Service Board of the Department of Commerce and Insurance.

Prior to or within 30 days of submitting negative credit information: Include the following notice to a consumer if provided within the 30-day validation period: “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.

Wisconsin:

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