State Disclosures

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 Integrated Resolutions 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 of default or the date of the last payment; (4) the name of the charge-off creditor and the account number associated with the debt; (5) the name and last known address of the debtor as they appeared in the charge-off creditor's records; and (6) the names of all persons or entities that have purchased the debt. 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: 523 Main Street, 3rd Floor, Buffalo, NY 14203.

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. FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE WWW.COAG.GOV/CAR. Our local Colorado office does not accept physical payments.

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 (10) days unless you provide written confirmation of the request postmarked or delivered within seven (7) days of such request. You may terminate this request by writing to the creditor.

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

If you pay or arrange to pay the debt in full, we will cease collection activities. We are licensed by the Nevada Financial Institutions Division. Our Nevada Collection Agency License Number is available upon request.

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: Supplemental security income (SSI); Social security; Public assistance (welfare); Spousal support, maintenance (alimony) or child support; Unemployment benefits; Disability benefits; Workers' compensation benefits; Public or private pensions; Veterans' benefits; Federal student loans, federal student grants, and federal work study funds; and Ninety percent of your wages or salary earned in the last sixty days. NEW YORK CITY RESIDENTS: The NYC Department of Consumer Affairs may be contacted at: 42 Broadway, New York, NY 10004; (212) 436-0381. We do not provide language access services. All communications will be in English. A translation and description of commonly used debt collection terms is available in multiple languages on the Department of Consumer Affairs' website, www.nyc.gov/dca.

NORTH CAROLINA RESIDENTS: Collection agency holds a valid permit issued by the North Carolina Department of Insurance. The Attorney General's office can be reached at 9001 Mail Service Center, Raleigh, NC 27699-9001.

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

For Texas residents, the Integrated Resolutions office address is 523 Main Street, 3rd Floor, Buffalo, NY 14203. This collection agency is actively bonded with the Secretary of State as required by the Texas Finance Code.

As required by Utah 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. We do not maintain a physical office within the state of Utah.

No provision of a marital property agreement, a unilateral statement under section 766.59 or a court decree under section 766.70 adversely affects the interest of the creditor unless the creditor, prior to the time the credit is granted, is furnished a copy of the agreement, statement or decree or has actual knowledge of the adverse provision when the obligation to the creditor is incurred.