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

 

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:

Downing Pines, LA #CCA-BCH 1875541

East Aurora, NY #CCA-BCH 1906763

Geneseo, NY #CCA 967350

West Monroe, LA #CCA-BCH 970178

 

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 2899, West Monroe, LA 71294. Office hours: 8:00am to 5pm EST Mon-Thurs, 8:00am to 4:30pm EST Friday.

 

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

 

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.

New York City Department of Consumer Affairs License Numbers:

Geneseo, NY #1334772

West Monroe, LA# 1334773

Downing Pines, LA #2088713

East Aurora, NY# 209153

This collection agency is also licensed by the city of Buffalo, LICENSE# CAG 11-556370. Consumer call back number is (800) 964-0881 and ask for Tyler Copeland.

 

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:

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 2899 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 permit numbers:

#103595 – 214 Expo Circle West Monroe, LA 71292

#111927 – 4273 Volunteer Road Geneseo, NY 14454

#113956 – 651 Downing Pines Road West Monroe, LA 71292

#114025 – 300 Gleed Ave East Aurora, NY 14052

 

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

 

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

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