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This is a communication from a debt collector attempting to collect a debt
and any information obtained will be used for that purpose.
The following jurisdictions require us to furnish you with the following information. These disclosures are requirements of these jurisdictions and do not contain a complete list of the rights all consumers have under city, state, and federal laws. California: 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 judgment. For more information about debt collection activities, you may contact the Federal Trade Commission at 1-877-FTC-HELP or www.ftc.gov. Colorado: 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. NCB Management Services, Inc.'s Colorado office is located at 7200 S. Alton Way, Ste B180, Centennial, CO 80112. The telephone number for the Colorado office for Colorado residents only is 303-309-3839. For residents of all other states, please use our toll free number 800-828-1110. 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 collection agency. Minnesota: This collection agency is licensed by the Minnesota Department of Commerce. New York City: New York City Department of Consumer Affairs License Numbers: 2017621, 2017630, and 2017631. North Carolina: North Carolina Department of Insurance Permit Numbers: 101716, 103667, and 103647. Tennessee: This collection agency is licensed by the Collection Service Board of the Department of Commerce and Insurance. Utah: As required by Utah law, you are hereby notified that a negative credit report reflecting on your credit report may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.