Required State Notices

We are required under state law to notify consumers of the following rights. This list does not contain a complete list of rights consumers have under federal and state law.


California:
The state Rosenthal Fair Debt Collection Practices Act and the federal Fair Debt Collections 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.
As required by law, you are hereby notified that a negative credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.

Colorado:
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 INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE WWW.COAG.GOV/CAR.
You may pay in person at 1776 S. Jackson #900 Denver, CO 80210. You can reach our in-state office at 720-287-8692.

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

New York City:
Credit Control, LLC is licensed by the New York City Department of Consumer Affairs for:
5757 Phantom Dr. Suite 330 Hazelwood, MO 63042 # 1233281-DCA
9929 Race Track Road, Tampa, FL 33626 #1472700-DCA
8001 Woodland Center Blvd. Suite 200, Tampa, FL 33614 #1470332-DCA
5555 Redwood Dr. Suite 120, Las Vegas, NV 89118 #2023195-DCA
7130 Goodlett Farms Parkway, Suite 110W Cordova, TN 38016 #2072123-DCA

Nevada:
For debts owed to a hospital only:
If you owe a debt to a hospital (as defined by NRS 449.012), please be aware that if you pay or agree to pay the debt or any portion of the debt, the payment or agreement to pay may be construed as: (1) an acknowledgment of the debt by you; and (2) a waiver by the consumer of any applicable statute of limitations set forth in NRS 11.190 that otherwise precludes the collection of the debt. If you do not understand or have questions concerning your legal rights or obligations relating to the debt, you should seek legal advice.

North Carolina:
North Carolina Department of Insurance Permit Number for:
5757 Phantom Dr. Suite 330 Hazelwood, MO 63042 # 103251
9929 Race Track Road, Tampa, FL 33626 #105448
8001 Woodland Center Blvd.  Suite 200, Tampa, FL 33614 #111872
5555 Redwood Dr. Suite 120, Las Vegas, NV 89118 #112540
7130 Goodlett Farms Parkway, Suite 110W Cordova, TN 38016 #113526

Tennessee:
This collection agency is licensed by the Tennessee Collection Service Board, State Department of Commerce and Insurance.

Utah:
As required by Utah law, you are hereby notified that a negative credit report reflecting on your credit report may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.


Mortgage Disclosures

In accordance with the federal Real Estate Settlement Procedures Act (RESPA) & Regulation X (12 CFR Section 1024 .35 and 1024.36), borrowers have the right to notify their servicer of an error regarding the servicing of their closed-end mortgage loan or to request information related to the servicing of their closed-end mortgage loan.

Notice of Error

When you write to your mortgage servicer to ask for information or to complain about certain errors, the servicer must correct the error, advise of the correction made or that no errors were identified along with an explanation, and to provide contact information should have any additional questions. Examples of “errors” include when the servicer:

  • Does not apply your payment correctly
  • Charges improper fees
  • Provides you inaccurate information about loss mitigation options and foreclosure
  • Starts a foreclosure or foreclosure sale in violation of the loss mitigation rules; or makes any other error relating to the servicing of your mortgage loan
  • Failed to pay taxes and/or changes

The servicer generally has five days (excluding Saturdays, Sundays and federal holidays i.e., business days) to acknowledge your letter. The servicer generally has 30 to 45 business days (if a 15-day extension is allowed) to fix the error or send you the information you requested or investigate and explain why no error occurred or the information is not available. As part of this law, servicers may designate a specific address to which all error notices and information requests must be submitted.

Requests for Information

A request for information can be made to the servicer if you are unsure if an error had taken place with your loan. The servicer must acknowledge your inquiry within five (5) days and provide you with any requested information or an explanation if the information is requested is not available.

If you wish to provide a Notice of Error or a Request for Information, you can write the servicer directly or to us directly at the following address:

Correspondence
PO Box 488
Hazelwood, MO 63042

Notice of Error and Request for Information notices must include your name, account number and a specific description of the error or a detailed list of the information being requested.


Have you received a letter or a phone call?

Visit our Consumer Page for more information or to contact us or to register a complaint