CALIFORNIA: California Civil Code section 1785.26(c)(2)
“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.” But we will not submit a negative credit report to a credit reporting agency about this credit obligation prior to 90 days from the date of this letter.
The Rosenthal Act, California Civil Code Section 1788.21, also requires that you notify your creditor of your change of name, address, or employment for any existing consumer credit.
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
Nonprofit credit counseling services may be available in the area. State and Federal law require debt collectors to treat you fairly, and prohibit debt collectors from using profane language or making improper communications with third parties, including your employer.
The California Consumer Privacy Act requires that we disclose the categories of personal information we typically collect about a consumer. These categories are:
(a) personal identifying information, like name, address and account number, social security and drivers’ license number, as well as other identifying information, which we obtain from the consumer’s creditor, credit reports, other skip tracing tools, and the consumer;
(b) characteristics such as age, gender, etc., which we obtain from the consumer’s creditor and consumer’s credit report;
(c) retail information, which we obtain from the consumer’s creditor and the consumer’s credit report;
(d) internet activity regarding online payments, which we collect if the consumer visits our website or payment portal;
(e) geolocation data, which we obtain from process servers and/or if the consumer visits our website or payment portal;
(f) recordings, which are made when the consumer has a telephone conversation with us;
(g) professional and employment related information, which we obtain from the consumer, the consumer’s creditor, credit reporting agencies, and other skip tracing sources;
(h) educational information, which we obtain from the consumer, the consumer’s creditor, credit reporting agencies, and other skip tracing sources; and,
(i) health insurance information, which we obtain from the consumer’s creditor or the consumer, if we are collecting medical debt. Grant & Weber may also obtain medical information as may be included on an Itemized Statement and/or an Explanation of Benefits.
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. Our local office address is 7200 S. Alton Way, Suite B180, Centennial, CO 80112. Our local phone number is (303) 309-3839
NEW YORK: This collection agency is licensed in the following cities: City of Buffalo, license number CAG18-10044262; City of Yonkers, license number 9495, and New York City, license number 2073223-DCA. New York City Verbal communications are available in English and Spanish. Written communications are only available in English. Commonly used debt collection terms are available in multiple languages on NYC website www.nyc.gov/dca.
NORTH CAROLINA: This collection agency is licensed in North Carolina, pursuant to permit number 4245.
UTAH: 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.
MAINE: Telephone number at licensed location is (800) 947-1656, Hours of operation at licensed location are Monday- Thursday 8:30a.m. To 5:30p.m. And Friday 8:00a.m. To 5:00p.m.
TENNESSEE: This collection agency is licensed by the Collection Service Board of the Department of Commerce and Insurance.
WASHINGTON: Our local address is 1610 Broadway Ave, Everett, WA 98201
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