Firstsource Advantage

State Disclosures

 

State disclosures

The following disclosures are to notify you of certain rights.  The list does not include all rights and protections you have under State and Federal laws.

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.

Colorado

FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE HTTPS://COAG.GOV/OFFICE-SECTIONS/CONSUMER-PROTECTION/CONSUMER-CREDIT-UNIT/COLLECTION-AGENCY-REGULATION/

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.

Massachusetts

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.

Maine

Firstsource Advantage, LLC office hours (Eastern Time):

Monday and Tuesday 8am-9pm, Wednesday-Friday 8am-8pm, Saturday 8am-12pm

Minnesota

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

North Carolina

North Carolina Insurance Permit Number 4012.

New York City

This collection agency is licensed in New York City, License # 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

New York

If a creditor or debt collector receives a money judgment against you in court, state and federal laws 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.

Tennessee

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

Wisconsin

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

 

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