"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."


CONSUMER RIGHTS

Collection Bureau of America is a collection agency. This is an attempt to collect a debt by a debt collector. Any information obtained will be used for that purpose.

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 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.

(For medical collections only): Nonprofit credit counseling services may be available in the area.

California License Number: Application Pending


COLORADO:
AS REQUIRED BY STATE LAW HB 10-1222, OUR IN-HOUSE STATE OFFICE ADDRESS AND PHONE NUMBER IS:

Colorado Manager Inc.
Building B
80 Garden Center Ste 3
Broomfield CO 80020
Telephone: (303)920-4763

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.


MASSACHUSETTS:
Our Local Office:

CT Corporation System
101 Federal Street
Boston, MA 02110
Telephone: (888) 454-0313
Hours: 8:00 a.m. to 5:00 p.m.

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 with seven days of such request. You may terminate this request by writing to the debt collector.


MAINE:
Our Local Office:

CT Corporation System
One Portland Square
Portland, ME 04101
Telephone: (888) 454-0313
Hours: 8:00 a.m. to 5:00 p.m.


MINNESOTA:
"THIS COLLECTION AGENCY IS LICENSED BY THE MINNESOTA DEPARTMENT OF COMMERCE."


NEVADA:
NRS 649.332 Verification of Debt.
1. To verify a debt, a collection agency shall:
(a) Obtain or attempt to obtain from the creditor any document that is not in the possession of the collection agency and is reasonably responsive to the dispute of the debtor, if any; and (b) If such a document is obtained, mail the document to the debtor.
2. When collecting a debt on behalf of a hospital, within 5 days after the initial communication with the debtor in connection with the collection of the debt, a collection agency shall, unless the following information is included in the initial communication, send a written notice to the debtor that includes a statement indicating that: (a) If the debtor pays or agrees to pay the debt or any portion of the debt, the payment or agreement to pay may be construed as:
(1) An acknowledgment of the debt by the debtor; and
(2) A waiver by the debtor of any applicable statute of limitations set forth in NRS 11.190 that otherwise precludes the collection of the debt; and (b) If the debtor does not understand or has questions concerning his or her legal rights or obligations relating to the debt, the debtor should seek legal advice.
3. As used in this section, “hospital” has the meaning ascribed to it in NRS 449.012. (Added to NRS by 2007,2500)

NRS 449.012 “Hospital” defined. “Hospital” means an establishment for the diagnosis, care and treatment of human illness, including care available 24 hours each day from persons licensed to practice professional nursing who are under the direction of a physician, services of a medical laboratory and medical, radiological, dietary and pharmaceutical services. (Added to NRS by 1973, 1279;A 1985, 1737)


NEW YORK:
(1)Debt collectors, in accordance with the Fair Debt Collection Practices Act, 15 U.S.C.§ 1692 et seq., are prohibited 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

(2) “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."

For New York residents only: License #207851


NORTH CAROLINA:
PERMIT #3381


TENNESSEE:
"This collection agency is licensed by the Collection Service Board, State Department of Commerce and Insurance, 500 James Robertson Parkway, Nashville, Tennessee 37243."


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.


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