Consumer Hotline & Information

We are required to provide you these Notices of important rights:

1. We may or may not report your account to a credit reporting agency; however you are hereby notified that a negative status reflecting on your credit may be submitted to a credit reporting agency thirty days or more from date of this notice.
2. 15 USC 1692 (g) (3): Unless within thirty days after you receive this notice, you notify our office disputing the validity of this debt, or any portion thereof, we will assume this debt is valid. 15 USC 1692(g) (4) (5): If you notify us within 30 days after you receive this notice that the debt, or any portion thereof, is disputed, we will obtain verification of the debt, or a copy of a judgment (if a judgment is involved), and a copy of such verification or judgment will be mailed to you by us. If you request, in writing, within 30 days after you receive this notice, we will provide you with the name and address of the original creditor, if different from the current creditor. This is an attempt to collect a debt by a debt collector. All information obtained will be used for that purpose.