Disclosures & Licenses
Consumer Disclosures
Licenses
Nationwide Multistate Licensing System & Registry (NMLS) No. 2298942
Visit the NMLS Consumer Access website to verify the status of licenses maintained in NMLS including:
Arkansas
License
California
Disclosure
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 8AM or after 9PM. They may not harass you by using threats of violence or arrest or by using obscene language. Collectors may not use false of 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 to 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
Disclosure
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.
If your debt is past the statute of limitations, you are hereby notified of the following important consumer information:
The law limits how long you can be sued on a debt. Because of the age of this debt we will not sue you for it. In many circumstances you can renew the debt and start the time period over for filing a lawsuit to recover this debt if you take specific action such as making a payment, or a written promise to pay. You should determine the effect of any action you take with respect to this debt.
Florida
License
Florida Consumer Collections Agency License No. CCA9904590
Hawaii
License
Hawaii Exempt Out-of-State Collection Agency Designation No. COLAX-1196
Louisiana
License
Louisiana Collections Agency Registration No. 44799766I
Nevada
Licenses
NFID Collection Agency License No. – CAD11757
NFID Collection Agency License – Compliance Manager Certificate No. – CM1280
Compliance Manager NMLS No. – 2353063
Nevada State Business License No. – B202502055417372
Tennessee
Disclosure
This collection agency is licensed by the Tennessee Collection Service Board. State Department of
Commerce and Insurance.
License
Texas
License
Texas Third Party Debt Collector Surety Bond No. 37BSBIU8188
Utah
Disclosure
As required by Utah law. you are hereby notified that a negative credit report reflecting on your
credit record may be submitted to a credit-reporting agency if you fail to fulfill the terms of your
credit obligations.
Wisconsin
Disclosure
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.