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No information provided through this website alters or otherwise affects your rights set forth in our first letter. For further information call SRA toll-free to speak with a representative: 1-866-724-2330.

Residents of California, Colorado, Massachusetts, Minnesota, North Carolina, New York, Tennessee, Utah, Washington, please read the notification from your state below. This website does not contain a complete list of the rights consumers have under state and federal law. We are required by certain states to notify consumers of the following rights.

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

COLORADO RESIDENTS: As required by law, FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE 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 Office: 3605 Mead Street, Fort Collins, CO 80526, 970-226-1386. Toll Free 866-724-2330. Send payments to: P.O. Box 1479, Lombard, IL 60148.

MASSACHUSETTS RESIDENTS: This agency's physical address in Massachusetts is 84 State St., Boston, MA 02109. Call toll free 866-724-2330, Monday - Thursday 8AM-8PM (CST) or Friday 8AM-5PM (CST). 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.

NORTH CAROLINA RESIDENTS: This collection agency's North Carolina Permit number is 103390.

NEW YORK RESIDENTS: Debt collectors, in accordance with the Fair Debt Collection Practices Act,15 U.S.C. section 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.

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 RESIDENTS: This collection agency is licensed by the New York City Department of Consumer Affairs, license number: 1274118.

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

UTAH RESIDENTS: A negative credit report reflecting on your credit record maybe submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.

WASHINGTON RESIDENTS: If requested by you in writing this agency will make a reasonable effort to obtain the interest, service charge, collection costs, and/or late payment charges, if any, that may have been added to the original obligation by the original creditor, assignor, or our customer before being received by this office for collection. Additionally, if requested by you in writing, this agency will make a reasonable effort to provide the date of last payment to the creditor on the above listed account.

This is a web site of a collection agency. This is an attempt to collect
a debt. Any information obtained will be used for that purpose.
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