Important Information - Your Legal Rights


This is a communication from a debt collector.  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.

 

California Residents

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.

 

State and federal law require debt collectors to treat you fairly and prohibit debt collectors from making false statements or threats of violence, using obscene or profane language, and making improper communications with third parties, including your employer.  Nonprofit credit counseling services may be available in the area.

 

 

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.  FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE WWW.COAG.GOV/CAR.

 

Colorado office address: Colorado Manager, Inc. 80 Garden Center, Suite 3 Broomfield, CO 80020. Phone number: (303) 920-4763.

 

 

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 by writing to the debt collector.

 

Minnesota Residents

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

 

If you feel that your concerns have not been addressed, please contact Credence Resource Management and allow us the opportunity to try and address your concerns. Or you have the option to address any concerns with the Minnesota Attorney General’s Office which can be reached at 651-296-3353 or 1-800-657-3787.

 

 

Nevada Residents

If you pay or agree to pay the debt or any portion of the debt, the payment or agreement to pay may be construed as (1) an acknowledgement of the debt; and (2) a waiver of any applicable statute of limitations set forth in NRS 11.190 that otherwise precludes the collection of the debt.  If you do not understand or have questions concerning your legal rights or obligations relating to the debt, you should seek legal advice.

 

 

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:

 

(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.

 

Contact Leo Brown at Credence Resource Management at 855-880-4791.  This collection agency is licensed by the New York City Department of Consumer Affairs, License Number: 2002114-dca.

 

 

North Carolina Residents

This collection agency is licensed by the North Carolina Department of Insurance, Permit Number: 113462.

 

 

Tennessee Residents

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

 

 

Wisconsin Residents

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


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Postal Address

PO Box 2300
Southgate,
MI 48195-4300

Office Hours

Monday-Friday 08.00 AM EST TO 09.00 PM PST
Saturday 11:00 AM EST TO 07:00 PM EST
Sunday Closed