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. Unless you notify this office within 30 days after receiving this notice that you dispute the validity of the debt or any portion thereof, this office will assume this debt is valid. If you notify this office in writing within 30 days after 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 the judgment and mail you a copy of such judgment or verification. If you request from 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 than the current creditor.
California: 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.
You may request records showing the following: (1) that : the current creditor to whom the debt is owed has the right to seek collection of the debt; (2) the debt balance, including an explanation of any interest charges and additional fees; (3) the date of default or the date of the last payment; (4) the name of the charge-off creditor and the account number associated with the debt; (5) the name and last known address of the debtor as it appeared in the charge-off creditor’s or debt buyer’s records prior to the sale of the debt, as appropriate; and (6) the names of all persons or entities that have purchased the debt. You may also request from us a copy of the contract or other document evidencing your agreement to the debt. A request for these records may be addressed to: P.O. Box 828, Skokie, IL 60076
Colorado: 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.
Our office is licensed under the name of Halsted Financial Services, LLC by the Minnesota Department of Commerce for the state of Colorado. Local Office information: Colorado Manager, Inc. Halsted Financial Services, LLC 80 Garden Center, Suite 3, Broomfield, CO 80020 Phone: 303-920-4763 or 877-833-1629.
Illinois: Our office is licensed under the name of Halsted Financial Services, LLC for the state of Illinois.
Massachusetts: We are required by regulation of the Massachusetts attorney general 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 cannot be required to pay it through a lawsuit. Take note: you can renew the debt and the statute of limitations for the filing of a lawsuit against you if you do any of the following: make any payment on the debt, sign a paper in which you admit you owe the debt of in which you make a new promise to pay; sign a paper in which you give up or waive your right to stop the creditor from suing you in court to collect the debt. While this debt may not be enforceable through a lawsuit, it may still affect your ability to obtain credit or affect your credit score or rating.
Minnesota: This collection agency is licensed by the Minnesota Department of Commerce.
Nevada: NRS 649.332 Verification of Debt
- To verify a debt, a collection agency shall:
- When collecting debt on behalf of a hospital, within 5 days after the initial communication with the debtor in connection with collection of the debt, a collection agency shall, unless the following information is included in the initial communication, send a written notice to the debtor that includes a statement indicating that:
- As used in this section, “Hospital” has the meaning ascribes to it in NRS 444.012
New York City: New York City Department of Consumer Affairs License Number: 2039870-DCA.
New York: 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: the use or threat of violence; the use of obscene or profane language; and repeated phone calls made with the intent to annoy, abuse, or harass.
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; and
- Ninety percent of your wages or salary earned in the last sixty days.
North Carolina: Permit No. 112938 Halsted Financial Services, LLC 8001 Lincoln Ave Skokie, IL 60077
Tennessee: Halsted Financial Services, LLC is licensed by the Collection Service Board of the Department of Commerce and Insurance.
West Virginia: The activities of collection agencies in West Virginia are regulated by the Attorney General’s Consumer Protection Division, 812 Quarrier St., Charleston, WV 25301. Federal law prohibits agencies from contacting you about your debt if you send a letter requesting that all contacts stop.
Wisconsin: This collection agency is licensed by the Division of Banking in the Wisconsin Department of Financial Institutions, www.wdfi.com.