This is an attempt to collect a debt. Any information obtained will be used for that purpose. This communication is from a debt collector. You acknowledge that you were previously sent a validation notice.

This collection agency is licensed by the Division of Banking in the Wisconsin Department of Financial Institutions, www.wdfi.org

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

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

New York City Department of Consumer Affairs License Number 1315780.

This Collection Agency is licensed by the Collection Service Board of the Department of Commerce and Insurance.

North Carolina Permit Number 112516.

The state Rosenthall 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.

Nonprofit credit counseling services may be available in the area.

FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE www.coloradoattorneygeneral.gov/ca. 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.

If you have any additional questions or concerns dealing with consumer debt or your rights, please visit www.askdoctordebt.com.

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This communication is from a debt collector. This is an attempt to collect a debt. Any information obtained will be used for that purpose.