STATE DISCLOSURES

California Residents:

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.

As required by law, you are hereby notified that a negative credit report reflecting on your credit may be submitted to a credit reporting agency if you fail to fulfill the terms of your obligations, but we will not submit a negative credit report to a credit reporting agency about this credit obligation until after the expiration of the time period described on the front of this letter.

You may request records showing the following:

that AmSher has the right to seek collection of the debt;
the debt balance, including an explanation of any interest charges and additional fees;
the date the debt became delinquent or the date of the last payment;
the name of the creditor and the account number associated with the debt;
the name and last known address of the debtor as it appeared in the creditor’s records prior to assignment of the debt; and
the names of all persons or entities other than the debt collector to which the debt has been assigned, if applicable.

You may also request from us a copy of the contract or other document evidencing your agreement to the debt. A request for these records may be addressed to: AmSher 4524 Southlake Parkway, Suite 15, Hoover, AL 35244 or Contact@AmSher.com

California license number: 10210-99.

Colorado Residents:

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.

FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT SEE https://coag.gov/OFFICE-SECTIONS/CONSUMER-PROTECTION/CONSUMER-CREDIT-UNIT/COLLECTION-AGENCY-REGULATION/

Our in-state location is: 1375 Ken Pratt Blvd., Suite 300A, Longmont, CO 80501; 303-920-4763.

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 and desist communication will not prohibit the debt collector or collection agency from taking any other action authorized by law to collect the debt. Unless you notify this office within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid. If you notify this office in writing within 30 days from receiving this notice that you dispute the validity of this debt or any portion thereof, this office will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification. If you request of this office in writing within 30 days after receiving this notice, this office will provide you with the name and address of the original creditor, if different from the current creditor.

Connecticut Residents:

NMLS identifier CCA-922863.

District of Columbia Residents:

If your debt has not been reduced to a judgment by a court, you have the right to request the following information concerning your debt:

The name of the original creditor, and the name of any other owners of your debt, including the current owner;
Your last account number with the original creditor;
A copy of the signed contract, signed application, or other documents which show your obligations;
The date that your debt was incurred;
The date of your last payment, if applicable; and
An itemized accounting of the alleged debt, including the amount of any principal, interest, fees, or charges, and whether the charges were imposed by the original creditor, a debt collector, or other owner of the debt. For credit card or revolving credit accounts, the itemized accounting is measured from the charge-off balance.

You may request the above information by contacting us by phone, mail, or email, at the following: 800-246-9590, 4524 Southlake Parkway, Suite 15, Hoover, AL 35244 or Contact@AmSher.com

You might have income or resources that are protected from being taken by debt collectors. These might include certain sources of income, funds, or property, including, but not limited to, Social Security, Supplemental Security Income (SSI), disability or unemployment benefits, veteran’s benefits, or child support payments. If you believe your property or income may be protected, you may wish to seek legal advice, including at a legal services provider or legal aid office, before paying this debt.

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 10 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

Toll-free telephone number: 800-246-9590. Our operating hours are Monday – Thursday: 8:30am–7:00pm CST, Friday: 8:30am–5:30pm CST

Maryland Residents:

This agency is licensed as NMLS number 04-3373. For more information or to verify license status, visit the NMLS Consumer Access website at https://www.nmlsconsumeraccess.org/.

Maine Residents:

Toll-free telephone number: 800-246-9590
Our operating hours are Monday – Thursday: 8:30am–7:00pm CST, Friday: 8:30am–5:30pm CST
Our physical address is 4524 Southlake Parkway, Suite 15, Hoover, AL 35244

Minnesota Residents:

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

North Carolina Residents:

North Carolina License No. 119501676 - 4524 Southlake Parkway, Suite 15, Hoover, AL 35244
License No. 119507877 - Planta Baja, Centro Comercial Plaza Agora, Avenida Simon Bolivar (Transistmica), Suite A, Panama City, Panama.
License No. 119507876 – Lot M12-18, Southern Cross Blvd, Suite A4, Montego Bay, Jamaica JMCJS12.

New Hampshire Residents:

Our business address is: 4524 Southlake Parkway, Suite 15, Hoover, AL 35244

Nevada Residents:

Company NMLS # 922863, Compliance Manager Certificate Number CM12527, Compliance Manager NMLS # 2362430.

New York Residents:

New York City Department of Consumer Affairs License Number 1388973-DCA.

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 upon request and Spanish translation of some website content is available online at www.AmSher.com. 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. Please note, you can request a copy of this letter in larger print format by calling us at 800-955-7632.

In accordance with the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq., debt collectors are prohibited from engaging in abusive, deceptive, and unfair debt collection efforts, including but not limited to the use or threat of violence, the use of obscene or profane language, and 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."

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.

Utah Residents:

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

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