Your legal rights
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
You may request records showing the following: (1) that Coast Professional, Inc. has the right to seek collection of the debt; (2) the debt balance, including an explanation of any interest charges and additional fees; (3) the date the debt became delinquent or the date of the last payment; (4) the name of the creditor and the account number associated with the debt; (5) the name and last known address of the debtor as it appeared in the creditor’s records prior to assignment of the debt; and (6) 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: P.O. Box 2876, West Monroe, LA 71294
License number:
#10536-99 – 4273 Volunteer Road Geneseo, NY 14454
COLORADO RESIDENTS: 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.
Local Colorado Office: 3605 Mead Street, Fort Collins, CO 80526 Tele: (970) 226-1386.
FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE: https://coag.gov/OFFICE-SECTIONS/CONSUMER-PROTECTION/CONSUMER-CREDIT-UNIT/COLLECTION-AGENCY-REGULATION/
CONNECTICUT RESIDENTS: This collection agency is licensed in Connecticut.
NMLS numbers:
#CCA 967350 – 4273 Volunteer Road Geneseo, NY 14454
#CCA-BCH 1875541 – 651 Downing Pines Road West Monroe, LA 71292
#CCA-BCH 1906763 – 300 Gleed Avenue East Aurora, NY 14052
MAINE RESIDENTS: This collection agency is licensed in Maine, the corporate location is 4273 Volunteer Road Geneseo, NY 14454.
#DCL11472 – 4273 Volunteer Road Geneseo, NY 14454
#DCB14876 – 651 Downing Pines Road West Monroe, LA 71292
#DCB14942 – 300 Gleed Avenue East Aurora, NY 14052
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 7 days of such request. You may terminate this request by writing to the debt collector at P.O. Box 2876, West Monroe, LA 71294. Office hours: 9am to 9pm CST Mon.-Thurs., 9am to 5:30pm CST Friday.
MINNESOTA RESIDENTS: This collection agency is licensed by the Minnesota Department of Commerce.
NEVADA RESIDENTS:
Collection Agency License # (s): Geneseo – CA10230/NMLS ID 967350, East Aurora – CAD11556/NMLS ID 1906763 and West Monroe – CAD11544/NMLS ID 1875541
Collection Agency Compliance Manager Certificate # (s): CM11675/NMLS ID 2332002, CM11729/NMLS ID 1232789, CM12436/NMLS ID 2328319, CM12437/NMLS ID 2328335, CM12438/NMLS ID 1114196, CM12474/NMLS ID 1909890, CM11710/NMLS ID 1299511, CM12322/NMLS ID 2328010 and CM12477/NMLS ID 2328313
NEW YORK RESIDENTS: 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 are in English. A translation and description of commonly used debt collection terms is available in multiple languages at www.nyc.gov/dca
To request communications in large print or braille, please call 1-888-815-2843.
New York City Department of Consumer Affairs License Numbers:
#1334772 – 4273 Volunteer Road Geneseo, NY 14454
#2088713 – 651 Downing Pines West Monroe, LA 71292
#2091530 – 300 Gleed Avenue East Aurora, NY 14052
This collection agency is also licensed by the city of Buffalo, LICENSE# CAG 11-556370.
Consumer call back number is 1-888-815-2843 and ask for James Wentworth.
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:
a) the use or threat of violence;
b) the use of obscene or profane language; and
c) 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.
Notification of Right to Request Substantiation
If you wish to request substantiation of the debt, you may make a request for substantiation by notifying Coast Professional, Inc. in writing to: Coast Professional, Inc., P.O. Box 2876 West Monroe, LA 71294, indicating you are requesting substantiation of the debt. Please identify your name and account number clearly in the correspondence. Once a debt collector such as Coast Professional, Inc. receives a written request for substantiation, the debt collector must cease collection of the debt until substantiation has been provided to the consumer. Substantiation must be provided within 60 days of receiving the request. A debt collector must substantiate a debt pursuant to this section only once during the period that the debt collector owns or has the right to collect the debt. Unlike the 30 day validation period under the FDCPA, there is no specific time limit outlined in the regulations during which a consumer must request substantiation.
NORTH CAROLINA RESIDENTS: This collection agency is licensed in North Carolina, pursuant to company numbers:
#119505633 – 4273 Volunteer Road Geneseo, NY 14454
#119507625 – 651 Downing Pines Road West Monroe, LA 71292
#119507690 – 300 Gleed Avenue East Aurora, NY 14052
TENNESSEE RESIDENTS: This collection agency is licensed by the Collection Service Board of the Tennessee Department of Commerce and Insurance.
WASHINGTON RESIDENTS: This agency is licensed in Washington.
NMLS ID Number:
# 967350 – 4273 Volunteer Road Geneseo, NY 14454
Coast NMLS Consumer Access page:
https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/967350
WASHINGTON, DC: This collection agency is licensed by the Department of Consumer and Regulatory Affairs. You have the right to request all of the following concerning your debt:
- Documentation of the name of the original creditor as well as the name of the current creditor or owner of your debt;
- Your last account number with the original creditor;
- A copy of the signed contract, signed application, or other documents providing evidence of your liability and its terms;
- The date that your debt was incurred;
- The date of your last payment, if applicable; and
- An itemized accounting of the amount claimed to be owed including the amount of the principal, the amount of any interest, fees, or charges, and whether the charges were imposed by the original creditor, a debt collector, or a subsequent owner of the debt.
You may request the above information by contacting us by phone, mail, or email, at the following:
- Phone: 888-815-2843
- Email: information@coastprofessional.com
- Mail: P.O. Box 2876, West Monroe, LA 71294
WISCONSIN RESIDENTS: This collection agency is licensed by the Division of Banking in the Wisconsin Department of Financial Institutions, www.dfi.wi.gov.