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.
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.
For Colorado residents only, Our local office address is 7200 S. Alton Way Ste. B180, Centennial, CO 80112. Our local phone number is 303-309-3839.
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.
This collection agency is licensed by the Minnesota Department of Commerce.
NEW YORK CITY RESIDENTS:
New York City Department of Consumer Affairs, license number 1292105, 1292103, 2068661.
MRS Associates contact: Lee White - Mon - Fri 8 AM - 5 PM ET (800) 716-6429.
NEW YORK STATE RESIDENTS:
We are required by regulation of the New York State Department of Financial Services to notify you of the following information. This information is NOT legal advice. 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.
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:
- Supplementary security income, (SSI);
- Social Security;
- Public assistance (welfare);
- Spousal support, maintenance (alimony) or child support;
- Unemployment benefits;
- Disability benefits;
- Workers' compensation benefits;
- Public or private pensions;
- Veterans' benefits;
- Federal student loans, federal student grants, and federal work study funds; and
- Ninety percent of your wages or salary earned in the last sixty days.
NORTH CAROLINA RESIDENTS:
North Carolina Department of Insurance, permit numbers:
Corporate Headquarters: 1930 Olney Avenue, Cherry Hill, NJ 08003 | Permit Number: 102995
Ohio Branch Office: 701 Brooksedge Plaza Drive, Westerville, OH 43081 | Permit Number 102993
Alabama Branch Office: 4930 West State Highway 52, Suite 1, Taylor, AL 36305 | Permit Number 113503
Please direct all written requests, requests for verification, and other correspondence to our New Jersey address.
This collection agency is licensed by the Collection Service Board, State Department of Commerce and Insurance.