Important Rights and Disclosures

This is an attempt to collect a debt, and any and all information obtained will be used for that purpose. This information is from a debt collector.

CALIFORNIA RESIDENTS:

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.

California License Number: 3798825

COLORADO RESIDENTS:

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 more information about the Colorado Fair Debt Collection Practices Act, see: https://coag.gov/car

Our local office address is:
8690 Wolfe Court, Suite 110, Westminster, CO 80031
Our local phone number is: 303-920-4763

WASHINGTON DC RESIDENTS:

You have the right to request the following concerning your debt:

  1. Documentation of the name of the original creditor and the current creditor or owner of your debt.
  2. Your last account number with the original creditor.
  3. A copy of the signed contract, signed application, or other documents providing evidence of your liability and its terms.
  4. The date that your debt was incurred.
  5. The date of your last payment, if applicable.
  6. An itemized accounting of the amount claimed to be owed, including the amount of the principal, any interest, fees, or charges, and whether the charges were imposed by the original creditor, a debt collector, or a subsequent owner of the debt.

You may request this information by contacting us at:
Phone: 855-277-7798
Website: www.schuergerlaw.com
Address: Schuerger Law Group, 1001 Kingsmill Parkway, Columbus, OH 43229

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 oral request will be valid for only ten days unless you provide written confirmation of the request postmarked or delivered within seven days of such request. You may terminate this request by writing to the debt collector.

MINNESOTA RESIDENTS:

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

NEVADA RESIDENTS:

State of Nevada company license numbers:

Corporate Headquarters:
101 Kingsmill Parkway, Columbus
NMLS # 1373312
NFID License # CAD11414

Contact:
Laura Symsick, Nevada Licensed Compliance Manager
Compliance Manager NMLS # 1125380
Compliance Manager Certificate # CM12191

NEW YORK CITY RESIDENTS:

To better serve you, please advise us if you have any language preference other than English. At this time, we offer:

  1. Spanish-speaking representatives.
  2. Translation of our written communications into Spanish.

A translation and description of commonly used debt collection terms are available on New York City’s Department of Consumer Affairs’ website: www.nyc.gov/dca.

New York City Department of Consumer Affairs License Number: 2039343
Contact Person: Robert White
Hours: Mon–Fri, 9 AM–4 PM ET
Phone: (614) 674-6863

NEW YORK STATE RESIDENTS:

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.

If a creditor or debt collector receives a money judgment against you, 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, grants, and work-study funds.
  11. Ninety percent of your wages or salary earned in the last 60 days.

You may request communications from us in an alternative, reasonably accommodatable format, such as large print or braille. Please call us at 855-277-7798 to make such a request.

NORTH CAROLINA RESIDENTS:

Corporate Headquarters:
1001 Kingsmill Parkway, Columbus, OH 43229
License Number: 119506646

PUERTO RICO RESIDENTS:

You can request a copy of this document in Spanish.
Residentes de Puerto Rico: Pueden solicitar una copia de este documento en Español.