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.
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 obligation.
Debt Collector License Number 953582
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 other action authorized by law to collect the debt. For information about the Colorado Fair Debt Collection Practices Act, see www.coag.gov/car.
NMLS CCA-953582
This agency is licensed as NMLS number 953582. 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.
There are resources available to help manage your debt. The following Minnesota organizations offer debt and credit counseling services. The Department of Commerce does not control or guarantee any of the services provided by these organizations. The provision of this list is not a referral to, or endorsement or recommendation of, any organization or the organization’s services.
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Waxa jira agab iyo dukumeentiyo u diyaar ah inay kaa caawiyaan maareynta dayntaada. Hay’adaha
Minnesota ee soo socda ayaa bixiya adeegyada la talinta daynta. Waaxda Ganacsigu ma dammaanad
qaado mana kaantaroosho adeegyada ay hay’adahani bixiyaan midkoodna. In liiskan lagu siiyay lama
macno aha in laguu gudbiyay, lagugula taliyay ama laguu soo jeediyay, ururan midkoodna ama adeegyada
ururadaba.
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以下资源可以帮助您管理债务。以下这些明尼苏达州机构提供债务和信用咨询服务。
州商务局与这些机构间无隶属关系，亦不能保证其提供的任何服务。提供此列表并不表示对该
等机构或其服务的推荐、认可或建议。
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Muaj cov peev txheej uas yuav los pab tswj koj cov nuj nqi. Cov koom haum hauv Minnesota nram qab
no muaj cov kev pab cuam tawm tswv yim txog kev qiv nyiaj thiab nuj nqi. Lub Tuam Tsev Hauj Lwm ntsig
txog Kev Lag Luam uas tsis muaj kev tswj los sis lav ib qho ntawm cov kev pab cuam uas muab los ntawm
cov koom haum no. Qhov kev muab cov ntawv teev no tsis yog xa mus rau, los sis qhov kev lees paub los
sis cov lus qhia, tej lub koom haum los sis lub koom haum cov kev pab cuam.
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Hay recursos disponibles para ayudarle a gestionar sus deudas. Las siguientes instituciones de Minnesota
ofrecen servicios de asesoramiento sobre deudas y crédito. El Departamento de Comercio no controla
ni garantiza ninguno de los servicios prestados por estas instituciones. La presentación de esta lista no
constituye una remisión, aprobación o recomendación de ninguna institución ni de sus servicios.
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Có một số nguồn lực giúp quý vị quản lý khoản nợ của mình. Các tổ chức sau đây của Minnesota cung
cấp dịch vụ tư vấn đối với các khoản nợ và tín dụng. Cơ Quan Thương Mại không kiểm soát hoặc đảm
bảo bất kỳ dịch vụ nào do các tổ chức này cung cấp. Việc cung cấp danh sách này không phải hoạt
động giới thiệu, chứng thực hoặc khuyến nghị cho bất kỳ tổ chức nào hoặc các dịch vụ của tổ chức đó.
LSS Financial Counseling Service
Multiple Minnesota Locations
Phone: 888-577-2227
www.lssmn.org/financialcounseling
Consumer Credit of Minnesota
5871 Cedar Lake Rd S, #105
St. Louis Park, MN 55416
Phone: 952-544-6800
www.ccofminnesota.org
Family Means Financial Solutions
1875 Northwestern Avenue South
Stillwater, MN 55082
Phone: 651-439-4840 | 800-327-3203
www.familymeans.org/financial-solutions
This collection agency is licensed by the Minnesota Department of Commerce.
New York City Department of Consumer Affairs License Number: 2054073-DCA
This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.
FMS address:
4915 South Union Avenue, Tulsa, OK 74107
New York City regulations require us to record the language preference of New York City consumers. Call us at 1-800-580-7611 or use the Contact Us link to provide your preferred language.
You also can call the toll-free number listed on any correspondence you have received from us or call our main line at 1-800-580-7611 to provide us with your preferred language.
Please note that FMS does not provide translation of any communication created or made in English into another language. In some instances, FMS does provide agents who can speak in Spanish.
A translation and description of commonly-used debt collection terms is available in multiple languages on the Department’s website, www.nyc.gov/dca.
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:
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.
This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.
New York City regulations require us to record the language preference of New York City consumers. Call us at 1-800-580-7611 or use the Contact Us link to provide your preferred language.
You also can call the toll-free number listed on any correspondence you have received from us or call our main line at 1-800-580-7611 to provide us with your preferred language.
Please note that FMS does not provide translation of any communication created or made in English into another language. In some instances, FMS does provide agents who can speak in Spanish.
A translation and description of commonly-used debt collection terms is available in multiple languages on the Department’s website, www.nyc.gov/dca.
Contact Jonathan Blankenship at FMS, Inc. at 800.580.7611.
This collection agency is licensed by the North Carolina Department of Insurance, Company Number: SU1147241.
This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.
FMS address:
4915 South Union Avenue, Tulsa, OK 74107
FMS, Inc. = 48772
Crown Asset Management, LLC = NMLS 1110271
Second Round, LP = NMLS 998772
Second Round Sub, LLC = NMLS 1380725
Cascade Capital, LLC = NMLS 1371506
Midland Credit Management = NMLS 934164
Hilco Receivables LLC = 1373320
This collection agency is licensed by the Collection Service Board of the Department of Commerce and Insurance.
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 obligation.
This collection agency is licensed by the Office of the Administrator of the Division of Banking, P.O. Box 7876, Madison, Wisconsin 53707. This office is licensed in the State of Wisconsin as “Oklahoma FMS”.
