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.



Colorado Residents


Colorado office address: Colorado Manager, Inc. 8690 Wolff CT, STE 110, Westminster, CO 80031. Phone number: (303) 920-4763.




Maryland Residents


This agency is licensed as NMLS numbers: 04-6787 and 04-7646. For more information or to verify license status, visit the NMLS Consumer Access website at



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


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.



Nevada Residents

Pursuant to Nevada Law, 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 by you; (2) A waiver by you 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 obligation relating to this debt(s), you should seek legal advice.



New York Residents

Contact Leo Brown at Credence Resource Management at 1-855-880-4791. This collection agency is also licensed by the city of Buffalo, license number CAG18-10043309.



New York City Residents

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



North Carolina Residents

This collection agency is licensed by the North Carolina Department of Insurance, Permit Numbers: 113461 and 113462.



Tennessee Residents

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



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Postal Address

PO Box 2300
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