“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 ” ”Nonprofit credit counseling services may be available in the area”

FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE HTTPS://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.
Colorado law prohibits credit bureaus from reporting medical debt or factoring medical debt into a credit score unless the consumer report is to be used in connection with a credit transaction that involves, or that may reasonably be expected to involve, a principal amount that exceeds the national conforming loan limit value for a one-unit property as determined by the federal housing finance authority.
Colorado contact details: 1776 S Jackson St. #900 Denver, CO 80210 – 720-287-8698 – 866 808 6121

You have the option to address any concerns with the Minnesota Attorney General’s office, which can be reached at 651-296-3353 or 1-800-657-3787.

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 acknowledgement of the debt by you; and
(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; and (b) If you do not understand or have questions concerning your legal rights or obligations relating to the debt, you should seek legal advice.

NEW YORK CITY:

“Please contact us to confirm your preferred language. The following language access services are always available both verbally and in writing: Spanish, French, German, Italian, Portuguese, Arabic and Chinese. Other languages may also be available at different times. A translation and description of commonly-used debt collection terms is available in multiple languages on the website www.nyc.gov/dca.”

NEW YORK STATE: 

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:

1. Supplemental security income, (SSI);
2. Social security;
3. Public assistance (welfare);
4. Spousal support, maintenance (alimony) or child support;
5. Unemployment benefits;
6. Disability benefits;
7. Workers’ compensation benefits;
8. Public or private pensions;
9. Veterans’ benefits;
10. Federal student loans, federal student grants, and federal work study funds; and
11. Ninety percent of your wages or salary earned in the last sixty days.

In accordance with the Fair Debt Collection Practices Act, 15 U.S.C. debt collectors are prohibited from engaging in abusive, deceptive, and unfair debt collection efforts, including but not limited to:

1. the use or threat of violence;
2. the use of obscene or profane language; and
3. repeated phone calls made with the intent to annoy, abuse, or harass.