Disclosures

District of Columbia (DC):

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:

1. The name of the original creditor, and the name of any other owners of your debt, including the current owner;
2. Your last account number with the original creditor;
3. A copy of the signed contract, application, or other documents which show your obligations;
4. The date your debt was incurred;
5. The date of your last payment, if applicable; and
6. 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.

If your debt has been reduced to a judgment by a court, you have a right to a copy of the judgment, documentation establishing that the debt collector is the owner of the judgment, and an itemized accounting of the current balance due on the judgment. You may request the above information by contacting us by phone, mail, or email at the following:

Address: PO box 67015 Harrisburg, PA 17106-7015
Phone: 800-360-4319
E-mail Address: i@nationalrecovery.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.

Si su deuda no ha sido reducida a una sentencia por un tribunal, tiene derecho a solicitar la siguiente información sobre su deuda:

1. El nombre del acreedor original y el nombre de cualquier otro propietario de su deuda, incluido el propietario actual;
2. Su último número de cuenta con el acreedor original;
3. Una copia del contrato firmado, la solicitud u otros documentos que demuestren sus obligaciones;
4. La fecha en que se incurrió en su deuda;
5. La fecha de su último pago, si corresponde; y
6. Una contabilidad detallada de la supuesta deuda, incluido el importe de cualquier interés principal, tarifa o cargo, y si los cargos fueron impuestos por el acreedor original, un cobrador de deudas u otro propietario de la deuda. Para la tarjeta de crédito o las cuentas de crédito renovables, la contabilidad detallada se mide a partir del saldo de cargo.

Si su deuda ha sido reducida a una sentencia de un tribunal, tiene derecho a una copia de la sentencia, documentación que establezca que el cobrador de deudas es el propietario de la sentencia y una contabilidad detallada del saldo actual adeudado en la sentencia. Puede solicitar la información anterior poniéndose en contacto con nosotros por teléfono, correo o correo electrónico a la siguiente dirección:

Dirección: Apartado de correos 67015 Harrisburg, Pensilvania 17106-7015
Teléfono: 800-360-4319
Dirección de correo electrónico: i@nationalrecovery.com

Es posible que tenga ingresos o recursos que estén protegidos de ser tomados por los cobradores de deudas. Estos pueden incluir ciertas fuentes de ingresos, fondos o propiedad, incluyendo, pero no limitado a, la Seguridad Social, la Seguridad de Ingreso Suplementaria (SSI). beneficios por discapacidad o desempleo, beneficios para veteranos o pagos de manutención de los hijos. Si cree que su propiedad o ingresos pueden estar protegidos, es posible que desee buscar asesoramiento legal, incluso en un proveedor de servicios legales o una oficina de asistencia legal, antes de pagar esta deuda

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. Non-Profit Counseling services may be available in your area. California License #10375-99.

CALIFORNIA AND UTAH RESIDENTS:

As required by 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. But we will not submit a negative credit report to a credit reporting agency about this credit obligation until the expiration of the time period described in the first notice you received from us.

COLORADO RESIDENTS:

For information about the Colorado fair debt collection practices act, see https://coag.gov/app/uploads/2021/07/RULES-2021.pdf. A consumer has the right to request in writing that a debt collector or collection agency ease 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. You may contact our office at; Associated Collection Agencies Inc, 27 North Willerup, Suite B Montrose, CO 81401 or by telephone at 970-249-7514.

MASSACHUSETTS RESIDENTS:

Massachusetts residents may contact our office by telephone at the number, office hours and address listed on the front of this notice or to 155 Federal Street, Suite 700, Boston, MA 02100.

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 collection agency.

MINNESOTA MEDICAL PATIENTS ONLY:

This collection agency is licensed by the Minnesota Department of Commerce. If you feel that your concerns have not been addressed, please contact National Recovery Agency 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.

NEVADA HOSPITAL PATIENTS:

If the debtor pays or agrees 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 the debtor, and (2) A waiver by the debtor of any applicable statute of limitations set forth in NRS 11.190 that otherwise precludes the collection of the debt. If the debtor does not understand or has questions concerning his legal rights or obligations relating to the debt, the debtor should seek legal advice. As used in this section, “hospital” has the mean1ng ascribed to it in NRA 449.012.

NEW YORK RESIDENTS ONLY:

1. Debt collectors, in accordance with the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq., 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.
2. 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.

NEW YORK CITY DEPARTMENT OF CONSUMER AFFAIRS LICENSE NUMBER: 1239906-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. 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.

NORTH CAROLINA RESIDENTS:

NC Permit Number 113920
EBO Solutions, LLC d/b/a National Recovery Agency located at 3307 East Trindle Road, Suite 30, Camp Hill, PA 17011

TENNESSEE RESIDENTS:

This collection agency is licensed by the collection service board of TN Department of Commerce and Insurance, permit number 2284.

WISCONSIN:

This collection agency is licensed by the Division of Banking in the Wisconsin Department of Financial Institutions, www.wdfi.org.