State Disclosures

California 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.

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.”

CA license #10566-99

Colorado Residents

FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE WWW.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 action authorized by law to collect the debt. 

For Colorado residents, Colorado office location: 27 North Willerup Suite B Montrose, CO 81401. Phone Number: 970-249-7514. Any payments or other forms of mail should be sent to P.O. Box 1156, Oxford, MS 38655. Security Credit Services also can be contacted via telephone at 866-699-7889.

Maryland

NMLS IDs: 1009856. https://nmlsconsumeraccess.org/

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 Security Credit Services, LLC.

Minnesota Residents

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

New York Residents

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: (i) the use or threat of violence; (ii) the use of obscene or profane language; and (iii) 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: (1) Supplemental security income (SSI), (2) Social Security, (3) Public Assistance (welfare), (4) Spousal support, maintenance (alimony), or child support, (5) Unemployment benefit, (6) Disability benefit, (7) Workers’ compensation benefit, 

(8) Public or private pensions, (9) Veterans’ benefit, (10) Ninety percent of your wages or salary earned in the last sixty days. Federal student loans, federal student grants, and federal work study funds.

New York City Residents

To best serve your needs, if you have a language preference, please call us at 866-699-7889. A translation and description of commonly-used debt collection terms is available in multiple languages at www.nyc.gov/dca. We offer account servicing in both English and Spanish and all letters are available in both of these languages. New York City Department of Consumer Affairs License Number 1318559.

North Carolina Residents

North Carolina Department of Insurance Company Number 119505295, 306 Enterprise Drive, P.O. Box 1156, Oxford, MS 38655

Tennessee Residents

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

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.