“****Please read the terms and scroll to the bottom to AGREE and proceed.*****

If you have any questions or would like to talk to a live Collection Specialist, please call 1-855-802-9545. Thank you.

This is an attempt to collect a debt. Any information obtained will be used for that purpose. This communication is from a debt collector. Harris & Harris, LTD. is a collection agency.

DISCLOSURES:
This is an attempt to collect a debt. Any information obtained will be used for that purpose. This is a communication from a debt collector. Harris & Harris, Ltd. is a collection agency.
For residents in the following locations we furnish the following information:

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 am or after 9 pm 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 many 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.

Please note that we do not sell personal information. For more information on how we collect, use, and disclose personal information subject to the California Consumer Privacy Act (“CCPA”), please visit http://www.harriscollect.com/ccpa .

Colorado: :
FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE www.coloradoattorneygeneral.gov/ca. 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. The Colorado contact information for Harris & Harris, Ltd. is: 8690 Wolff Court, Suite 110, Westminster, CO 80031, (303) 920-4763.

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.” Office Hours (CST): Monday–Thursday 8am–8pm, Friday 8am–5pm and Saturday 8am–12pm.

Minnesota:
This collection agency is licensed by the Minnesota Department of Commerce.

New York City:
This collection agency is licensed by the New York City Department of Consumer Affairs, License No. 2092850-DCA.
Our office is committed to communicating most effectively with you and will attempt to gather and obtain your language preference through our interactions with you. Please feel free to reach out to us directly regarding your language preference so that we can duly record it on our account records.
Please also note that a translation and description of commonly-used debt collection terms is available in multiple languages on the Department of Consumer Affairs website, www.nyc.gov/dca. If you have limited-English proficiency or prefer to speak in a language other than English on telephone calls with our office, we provide telephone translation services through a third-party vendor, Argo Translation. Please also note that our payment portal found at www.payharris.com, which allows users to pay certain accounts online, contains instructions in Spanish (El sitio web de pago www.payharris.com, contiene instrucciones en Español).

North Carolina:
This collection agency is licensed by the North Carolina Department of Insurance under permit No. 114009.

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

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

CONSENT TO ELECTRONIC COMMUNICATIONS:
By checking the box below and clicking the "I AGREE" button, you consent to receive disclosures from us (which includes our agents and service providers) electronically through this web site or by email. By consenting to the electronic delivery of disclosures, you agree that we may provide electronically any and all communications concerning your obligation, including any disclosures required by federal or state law (the “Disclosures”).
The Disclosures include those below and others that may be required pursuant to the federal Electronic Funds Transfer Act and Regulation E; the federal Fair Debt Collection Practices Act; the federal Telephone Consumer Protection Act; and any other applicable federal, state or local law or regulation. Your consent applies to any future transactions or interactions with us.

To electronically receive and view and electronically save or print the Disclosures, you must have: (1) a personal computer with Internet access; (2) a widely-used, recent-generation web browser (for example, Internet Explorer, Safari or Firefox); (3) a widely-used, recent-generation portable document file reader (for example, Adobe Reader); (4) an email address; and (5) either a printer, hard drive or other storage device. You understand that Disclosures may be sent to you by emails containing attachments in pdf format or sent to you by emails containing links to documents. We anticipate that any emails we send you may have file sizes up to 1 MB (but not larger). You should make sure that any spam filter you use is set to allow receipt of messages from the following domains: harris-bill-pay.com; harrisbillpay.com; pay-harris-now.com; payharrisnow.com; harriscollect.com. If the information you have supplied us for contacting you electronically changes, please notify us of your new contact information by sending an email to letters@harriscollect.com. You represent that you have the hardware, software, email address and email capacities described above.

Prior to receiving any Disclosures electronically through our website, you may withdraw your consent to receive electronic Disclosures by exiting this website. If you do this, you will not be able to do business with us electronically. You may withdraw your consent after this time. To do so, send an email stating that you withdraw your consent to receipt of electronic disclosures to compliance@harriscollect.com or call 855-802-9545. Include your name, address, and account number in any such request. If you do this, you will not be able to do business with us on a going-forward basis electronically but this will not affect any Disclosures provided to you electronically prior to your withdraw. You have the option to receive any information that we have provided electronically in paper form at no cost to you. To obtain a paper copy, please call us at 855-802-9545.