California Collections Disclosures

Mini Miranda

This is an attempt to collect a debt by a debt collector. Any information obtained will be used for that purpose.

Notice Pursuant to the Fair Debt Collection Practices Act

Any information obtained will be used for that purpose.  Unless you, within 30 days after your receipt of this Notice, dispute the validity of the debt, or any portion thereof, we will assume that the debt is valid.  If you notify us in writing within such 30 day period that you dispute the debt, or any portion thereof, then we will obtain verification of the debt or a copy of the judgment against you and will mail a copy of same to you.  Upon your written request within such 30 day period, we will also confirm with you the name and address of the original creditor, if different from the current creditor.

Notice of Furnishing Negative Information

We may report information about your account to consumer reporting agencies. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.

Rosenthal Fair Debt Collection Practices Act

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.