This is a communication from a debt collector. This is an attempt to collect a debt and any information obtained will be used for the purpose. 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.

California Residents :

California License number: 10735-99

Colorado Residents :

Colorado office address: Colorado Manager, Inc. 27 NORTH WILLERUP SUITE B, MONTROSE, CO 81401. Phone number: 970-249-7514.

Calling us or visiting our website will not preserve your rights set forth above to obtain verification of the debt or the original creditor’s name and address, as such rights are only preserved by making a written request to us. 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 HTTPS://COAG.GOV/OFFICE-SECTIONS/CONSUMER-PROTECTION/CONSUMER-CREDIT-UNIT/COLLECTION-AGENCY-REGULATION/

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 Federal Housing Finance Authority.

Connecticut Residents :

Connecticut License Number: CCA-1134094

Maine Residents :

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.

Massachusetts Residents :

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 Residents :

If you feel that your concerns have not been addressed, please contact Credence Resource Management at 1-855-880-4791 and allow us the opportunity to try and address your concerns. Or 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.

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

Nevada Residents :

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 acknowledgement 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.

Nevada License Number: CAD11478

Manager Certificate ID Number: CM11652

New York Residents :

Contact Leo Brown at Credence Resource Management at 1-855-880-4791. This collection agency is also licensed by the city of Buffalo, license number CAG18-10043309.

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 numbers 2067278-DCA and 2067275-DCA; Credence Resource Management, LLC. Please contact us to confirm your preferred language for future communications. 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/dcwp.

North Carolina Residents :

This collection agency is licensed by the North Carolina Department of Insurance, Permit Numbers: 119507139 and 119507140.

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

Rhode Island Residents :

The State of Rhode Island general laws prohibits credit bureaus from reporting medical debt or factoring medical debt into a credit score.

Tennessee Residents :

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