State and Federal Disclaimers



We are required under state and federal 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.

For Residents in AK, AL, AR, CA, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MO, MS, MT, ND, NE, NH, NJ, OH, OK, OR, PA, RI, SC, SD, TX, UT, VA, VT, WA, WV, WY, or PR: This is an attempt to collect a debt. Any information obtained will be used for that purpose. This is a communication from a debt collector.

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

For Residents in CO: This is an attempt to collect a debt. Any information obtained will be used for that purpose. This is a communication from a debt collector. 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. Our Colorado office address and telephone number are: 6782 S. Potomac Street, Suite 100, Centennial, Colorado 80112 866-662-9087.

For Residents in MA: This is an attempt to collect a debt. Any information obtained will be used for that purpose. This is a communication from a debt collector. Our local address is 10 Milk Street, Suite 1055, Boston, Massachusetts, 02108.

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.

For Residents in MN: This is an attempt to collect a debt. Any information obtained will be used for that purpose. This is a communication from a debt collector. This collection agency is licensed by the Minnesota Department of Commerce.

For Residents in NC: This is an attempt to collect a debt. Any information obtained will be used for that purpose. This is a communication from a debt collector. This agency is licensed by the North Carolina Department of Insurance; License #4402.

For Residents in NM: This is an attempt to collect a debt. Any information obtained will be used for that purpose. This is a communication from a debt collector. IF THE STATUTE OF LIMITATIONS HAS EXPIRED YOU CANNOT BE SUED ON THIS DEBT AND CANNOT BE REQUIRED TO PAY THROUGH A LAWSUIT.

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

For Residents in NY: This is an attempt to collect a debt. Any information obtained will be used for that purpose. This is a communication from a debt collector. Contact Christina H. Nash at LCS Financial Services Corporation. This collection agency is licensed by the Department of Consumer Affairs of the City of New York; License # 1232415.

For Residents in TN: This is an attempt to collect a debt. Any information obtained will be used for that purpose. This is a communication from a debt collector. This collection agency is licensed by the Tennessee Collection Service Board of the Department of Commerce and Insurance.