This is a communication from a debt collector. We are required under state 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.
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: 10279-99.
This agency is licensed as NMLS number: CCA-948786
If you have an issue about the way we are collecting your debt, contact the Maine Department of Professional and Financial Regulation, Bureau of Consumer Credit Protection at 35 State House Station, Augusta, ME 04333, 207-624-8527.
This agency is licensed as NMLS number: CCA-948786. For more information or to verify license status, visit the NMLS Consumer Access website at https://www.nmlsconsumeraccess.org/.
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.
If you feel that your concerns have not been addressed, please contact Franklin Service, Inc for assistance at 662-844-7776. Or you have the option to address any concerns with the Minnesota Attorney General’s Office at 651-296-3353.
Pursuant to Nevada Law, 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; (2) A waiver by you 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 obligation relating to this debt(s), you should seek legal advice. The license number issued to Franklin Service, Inc. by the Commissioner pursuant to NRS 649.135 is FCA10602. The certificate identification number issued to the compliance manager of Franklin Service, Inc. by the Commissioner pursuant to NRS 649.225 is CM10745.
New York Residents:
Franklin Service, Inc DOS ID: 2956514. This collection agency is also licensed by the city of Buffalo, license number CAG11-535537 and the city of Yonkers, license number 10648. We are required by regulation of the New York State Department of Financial Services to notify you of the following information. This information is NOT legal advice. Debt collectors, in accordance with the Fair Debt Collection Practices Act, 15 U.S.C. ┬º 1692 et seq., are prohibited from engaging in abusive, deceptive, and unfair debt collection efforts, including but not limited to:
- The use or threat of violence;
- Use of obscene or profane language;
- Repeated phone calls made with the intent to annoy, abuse, or harass.
If a creditor or debt collector receives a money judgment against you in court, state and federal laws may prevent the following types of income from being taken to pay the debt:
- Supplemental security income, (SSI);
- Social security;
- Public assistance (welfare);
- Spousal support, maintenance (alimony) or child support;
- Unemployment benefits;
- Disability benefits;
- Workers’ compensation benefits;
- Public or private pensions;
- Veterans’ benefits;
- Federal student loans, federal student grants, and federal work study funds; and
- Ninety percent of your wages or salary earned in the last sixty days.
New York City Residents:
This collection agency is licensed by the New York City Department of Consumer Affairs, license number 1155006; All communications are in English with the following exception: Spanish-speaking agents are available by phone. Written communications may be available in Spanish upon request. A translation and description of commonly-used debt collection terms is available in multiple languages at www.nyc.gov/dca.
This collection agency is licensed by the Tennessee Collection Service Board of the Department of Commerce and Insurance.