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State Disclaimers

Some states and cities require that certain disclosures be made by a debt collector to residents of those places, in communications regarding debt collection.

You may also have rights in those or other states not specifically stated below.

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.

CALIFORNIA RESIDENTS
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 to 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.

COLORADO RESIDENTS
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.

For Colorado residents, Colorado office location: 1776 S. Jackson Street, #900, Denver, CO 80210-3808; 720-287-8689

MASSACHUSETTS RESIDENTS
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 (10) days unless you provide written confirmation of the request postmarked or delivered within seven (7) days of such request. You may terminate this request by writing to the debt collector.

For Massachusetts residents: Office hours are 8:00 am to 5:00 pm, Monday through Friday, 8:00am to 12:00pm Saturday (all hours are Eastern Time).

MAINE RESIDENTS
For Maine residents: Office hours are 8:00 am to 5:00 pm, Monday through Friday, 8:00am to 12:00pm Saturday (all hours are Eastern Time).

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

NEW YORK CITY RESIDENTS
The New York City Department of Consumer Affairs license numbers for our locations are: Gig Harbor, WA – 1265890; Maumee, OH – 1265903; San Diego, CA – 1265894; Montego Bay, Jamaica – 1268482

NEW YORK STATE RESIDENTS
In accordance with the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq., debt collectors 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.

AllianceOne is not a law firm. AllianceOne does not intend to obtain a money judgment, or seek any other relief, against you in court. The New York State Department of Financial Services, however, requires that the following notice be provided:

If a creditor or debt collector receives a money judgment against you in court, state and federal laws 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.

NORTH CAROLINA RESIDENTS
North Carolina Department of Insurance permit numbers for our locations are: Gig Harbor, WA – 3860; Maumee, OH – 3689; San Diego, CA – 3861; Montego Bay, Jamaica – 4423

TENNESSEE RESIDENTS
This collection agency is licensed by the Collection Service Board, State Department of Commerce and Insurance.

WISCONSIN
This collection agency is licensed by the Division of Banking, P.O. Box 7876, Madison WI, 53707.

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