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This is an attempt to collect a debt from a debt collection agency, 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.

For residents of California: As required by 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. 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 8:00a.m. or after 9:00 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. Non profit credit counseling services may be available in the area.

For 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. Toll free phone number: 1-800-838-0100. Local office information: 950 Spruce Street #1A, Louisville, CO 80027 Phone: 1-855-238-8524

For residents of Idaho: Americollect Inc., 1851 S Alverno Road, PO Box 1566, Manitowoc, WI 54221 Toll free phone number: 1-800-838-0100. Business hours Mon- Fri 7am - 11pm, Sat 8am-5pm CST.

For residents of Iowa: Americollect Inc 1851 S. Alverno RD PO Box 1566 Manitowoc WI 54221

For residents of Maine: Toll free phone number: 1-800-838-0100 Business Hours Mon- Fri 7am - 11pm, Sat 8am-5pm CST.

For residents of Massachusetts: 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. Business hours Mon- Fri 7am - 11pm, Sat 8am-5pm CST. Toll free phone number: 1-800-838-0100.

For residents of Minnesota: This collection agency is licensed by the Minnesota Department of Commerce. If this debt is healthcare related and you feel that your concerns have not been addressed, please contact Americollect, Inc. 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.

For residents of Nevada: 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 an acknowledgement of the debt and 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.

For residents of New York City: New York City Department of Consumer Affairs License Number 1427504.

For residents of New York: The Fair Debt Collection Practices Act, 15 U.S.C statute 1692 et seq., prohibits debt collectors 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 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.

For residents of North Carolina: Our permit number is 107992 Americollect Inc., 1851 S. Alverno Road, PO Box 1566, Manitowoc, WI 54221.

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

For 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.

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