This is a communication from a debt collector. Any information obtained will be used for that purpose. This communication is not intended to, and in no way overshadows a consumer’s rights during the legally required Validation Period.

Important Legal Disclosures

State and Federal Regulations require us to present you with important legal disclosures relating to your account. Please review these disclosures and consumer rights that pertain to communication with you about your account.

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Interest continues to accrue at the rate allowed by law. Under California law, a fee of $25.00 may be assessed on returned check items.

The State Rosenthal Fair Debt 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 reasons 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 judgment. For more information about debt collection activities, you may contact the Federal Trade Commission at 1-877-FTC-HELP or www.ftc.gov.

La ley estatal de California Rosenthal y la ley de Cobranza Imparcial de Deudas (FDCPA) que, excepto circunstancias excepcionales, cobradores no pueden hacer contacto con usted antes de las 8 de la manana y despues de las 9 de la noche. Ellos no pueden molestarle usando amenazas de violencia o de arresto o usando palabras obscenas. Los cobradores no pueden usar informacion falsa o engañosa o contactarle en su trabajo si ellos saben o tienen razon de saber que Ud. no puede recibir llamadas personales en el trabajo. Generalmente, los cobradores no pueden hablar con nadie, aparte de su abogado o su esposo/esposa, sobre su deuda. Los cobradores pueden hablar con otra persona para confirmer su dirección o hacer cumplir una sentencia. Para mas informacion sobre las actividades de cobranza, Ud. Puede llamar gratis al 1-877-FTC-HELP (1-877-382-4357); o puede visitor www.ftc.gov.

Si Ud. tiene deudas la ley estatal de California Rosenthal, California Civil Code Section 1788.21, tambien requiere que usted notifique a su accreedor si Ud. cambia su nombre, su dirección, o su empleo.