| Contact Us By Phone: 1-866-517-7444 Hours of Operation: Monday through Friday 10 a.m. – 7 p.m. ET. Mail payments to: PO Box 1045, Buffalo, NY 14240-1045 Mail correspondence to: 205 Bryant Woods South, Amherst, NY 14228-3609 If you wish to unsubscribe from receiving collection emails about this account, click here to remove this address. State and Local Disclosures We are required under certain state and local laws to notify consumers of those states or localities of the following rights. This does not contain a complete list of the rights consumers have under federal, state and local laws. Additional Information for Colorado Residents Our Colorado address is located at 8690 Wolff Court, Suite 110, Westminster, CO 80031. The phone number is (303) 920-4763. 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 HTTPS://COAG.GOV/OFFICE-SECTIONS/CONSUMER-PROTECTION/CONSUMER-CREDIT-UNIT/COLLECTION-AGENCY-REGULATION/. ADDITIONAL INFORMATION FOR 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. Additional Information for New York City Residents New York City Department of Consumer Affairs License No. 1262554. For our records, New York City law requires us to request your language preference. Please contact us to advise us about your language preference. Please note that, as permitted by New York City law, we may not service your account in your preferred language. The following language access services may be available upon request: (1) Spanish translations of written communications; and (2) Spanish-speaking representatives. A translation and description of commonly-used debt collection terms is available in multiple languages on the New York City Department of Consumer Affairs’ website, www.nyc.gov/dca Additional Information for New York 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: - Supplemental 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;
- Ninety percent of your wages or salary earned in the last sixty days.
Additional Information for North Carolina Residents North Carolina Department Of Insurance Permit Number 4012. Additional Information For Tennessee Residents This collection agency is licensed by the Collection Service Board of the Department of Commerce and Insurance. | 