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New York

We are required under state law to notify consumers of the following rights. This list does not contain a complete list of the rights consumers have under state and federal law. 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 judgement against you in court, state and federal laws may 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. New York residents you may contact Laurie Mata regarding your account; however, you may be assisted by another person due to availability at 800-214-2098.

New York City Department of Consumer Affairs License number 2097545-DCA
We conduct business primarily in English. However, we may employ foreign language speakers from time to time and may, at the request of a consumer, accommodate verbal communication in a foreign language when available. We do not offer translation services and do not offer translations ofcommunications.