This is a communication from a debt collector. This communication is an attempt to collect a debt and any information obtained will be used for that purpose. 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.
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. California license number 10735-99.
Colorado office address: Colorado Manager, Inc. 8690 Wolff CT, STE 110, Westminster, CO 80031. Phone number: (303) 920-4763.
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. Pursuant to Colorado law, calling us will not preserve your rights to obtain verification of the debt or the original creditor's name and address as set forth in the first letter we sent to you regarding a debt, as such rights are only preserved by making a written request within the timeframe as described on that first letter.
This agency is licensed as NMLS number: CCA-1134094
If you have an issue about the way we are collecting your debt, contact the Maine Department of Professional and Financial Regulation, Bureau of Consumer Credit Protection at 35 State House Station, Augusta, ME 04333, 207-624-8527.
This agency is licensed as NMLS numbers: 1134094 and 1410896. For more information or to verify license status, visit the NMLS Consumer Access website at https://www.nmlsconsumeraccess.org/.
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.
If you feel that your concerns have not been addressed, please contact Credence Resource Management at 1-855-880-4791 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.
Pursuant to Nevada Law, if you pay or agree to pay the claim or any portion of the claim, the payment or agreement to pay: (1) May be construed as an acknowledgement of the claim by you; and (2) Does not constitute a waiver by you of any applicable statute of limitations set forth in NRS 11.190 that otherwise precludes the collection of the claim. If you do not understand or have questions concerning your legal rights or obligation relating to this claim, you should seek legal advice. This agency is licensed as NMLS number: CAD11478.
This collection agency is also licensed by the city of Buffalo, license number CAG18-10043309. 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:
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:
This collection agency is licensed by the New York City Department of Consumer Affairs, license numbers 2067278-DCA and 2067275-DCA; Credence Resource Management, LLC. Please contact us to confirm your preferred language for future communications. All communications are in English with the following exception: Spanish-speaking agents are available by phone. Written communications may be available in Spanish upon request. A translation and description of commonly-used debt collection terms is available in multiple languages at www.nyc.gov/dca. Contact Leo Brown at Credence Resource Management at 1-855-880-4791.
This is an attempt to collect a debt. Any information obtained will be used for that purpose. This is a communication from a debt collector. This agency is licensed by the North Carolina Department of Insurance; Company Numbers: 119507139 and 119507140.
This collection agency is licensed by the Tennessee Collection Service Board of the Department of Commerce and Insurance