Disclosures

Important Disclosure Information

  • 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. 
  • Calls to or from Creditor Advocates may be recorded. 
  • Applicable if this is your initial communication regarding your debt:  Unless you notify this office within 30 days after receiving this notice that you dispute the validity of this debt, or any portion thereof, this office will assume this debt is valid. If you notify this office in writing within 30 days from receiving this notice that you dispute the validity of this debt, or any portion thereof, this office will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification. If you request of this office in writing within 30 days after receiving this notice this office will provide you with the name and address of the original creditor, if different from the current creditor.  
  • Applicable for non-profit, state-licensed hospital debt: Financial Assistance may be available through the hospital. Please contact us for more information. 
  • For CA 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 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 CA residents with medical debt: Nonprofit credit counseling services may be available in the area.
  • For CA residents with debt prior to or within 30 days of submitting negative credit information (within 30-day validation period): As required by 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. But we will not submit a negative credit report to a credit reporting agency about this credit obligation until the expiration of the time period described on your letter or other notice.
  • For CA residents with debt prior to or within 30 days of submitting negative credit information (outside of the 30-day validation period): As required by 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.
  • For CA residents, initial communication, with time barred debt, and within date for obsolescence set forth in Section 605(a) of the federal FCRA: The law limits how long you can be sued on a debt. Because of the age of your debt, we will not sue you for it. If you do not pay the debt, Creditor Advocates may [continue to] report it to the credit reporting agencies as unpaid for as long as the law permits this reporting. 
  • For CA residents, initial communication, with time barred debt, but outside date for obsolescence set forth in Section 605(a) of the federal FCRA: The law limits how long you can be sued on a debt. Because of the age of your debt, we will not sue you for it, and we will not report it to any credit reporting agency.
  • For CO 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 CT residents, time-barred debt, and within date for obsolescence set forth in Section 605(a) of the federal FCRA: The law limits how long you can be sued on a debt. Because of the age of your debt, Creditor Advocates will not sue you for it. If you do not pay the debt, Creditor Advocates may report or continue to report it to the credit reporting agencies as unpaid. 
  • For CT residents, time-barred debt, and outside the date for obsolescence set forth in Section 605(a) of the federal FCRA: The law limits how long you can be sued on a debt. Because of the age of your debt, Creditor Advocates will not sue you for it and Creditor Advocates will not report it to any credit reporting agencies. 
  • For KS residents in which a credit profile was requested: An investigative consumer report, which includes information as to your character, general reputation, personal characteristics and mode of living, has been requested. You have the right to request additional information, which includes the nature and scope of the investigation.
  • For MA residents and communication at place of employment: 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.
  • For MN residents: This collection agency is licensed by the Minnesota Department of Commerce. 
  • For debts originating from MN Hospitals: If you feel that your concerns have not been addressed, please contact 1-866-357-7522 and allow us the opportunity to try and address your concerns. Or, you have the option to address any concerns with the Minnesota Attorney General’s Office, which can be reached at 651-296-3353 or 1-800-657-3787. 
  • For NM state residents: We are required by New Mexico Attorney General Rule to notify you of the following information. This information is not legal advice: This debt may be too old for you to be sued on it in court. If it is too old, you can’t be required to pay it through a lawsuit. You can renew the debt and start the time for the filing of a lawsuit against you to collect the debt if you do any of the following: make a payment of the debt; sign a paper in which you admit that you owe the debt or in which you make a new promise to pay; sign a paper in which you give up (“waive”) your right to stop the debt collector from suing you in court to collect the debt.
  • For NM state residents for medical debts: Any written communication, other than a receipt of payment, from a provider or health insurance carrier pertaining to a surprise bill, shall clearly state that the covered person is responsible only for payment of applicable in-network cost-sharing amounts under the covered person's health benefits plan. 
  • For NY state residents: 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. 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. 
  • For NY state residents, time barred debt: 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: Your creditor or debt collector believes that the legal time limit (statute of limitations) for suing you to collect this debt may have expired. It is a violation of the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq., to sue to collect on a debt for which the statute of limitations has expired. However, if the creditor sues you to collect on this debt, you may be able to prevent the creditor from obtaining a judgment against you. To do so, you must tell the court that the statute of limitations has expired. Even if the statute of limitations has expired, you may choose to make payments on the debt. However, be aware: if you make a payment on the debt, admit to owing the debt, promise to pay the debt, or waive the statute of limitations on the debt, the time period in which the debt is enforceable in court may start again. If you would like to learn more about your legal rights and options, you can consult an attorney or a legal assistance or legal aid organization. 
  • For UT state residents on credit reported accounts: 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. 
  • For WV residents, time-barred debt, and within date for obsolescence set forth in Section 605(a) of the federal FCRA: The law limits how long you can be sued on a debt. Because of the age of your debt, Creditor Advocates cannot sue you for it. If you do not pay the debt, Creditor Advocates may report or continue to report it to the credit reporting agencies as unpaid.
  • For WV residents, time-barred debt, and past the date for obsolescence set forth in Section 605(a) of the federal FCRA: The law limits how long you can be sued on a debt. Because of the age of your debt, Creditor Advocates cannot sue you for it and Creditor Advocates cannot report it to any credit reporting agencies.
  • For WI residents if this is your initial notice: This collection agency is licensed by the Division of Banking in the Wisconsin Department of Financial Institutions, www.wdfi.org.