State Disclosures
State Disclosures
CALIFORNIA
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 8am or after 9pm. 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:
- that Adler Wallach & Associates, Inc. has the right to seek collection of the debt;
- the debt balance, including an explanation of any interest charges and additional fees;
- the date the debt became delinquent or the date of the last payment;
- the name of the creditor and the account number associated with the debt;
- the name and last known address of the debtor as it appeared in the creditor’s records prior to assignment of the debt; and
- 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 6605, Orange, CA 92863-6605 or info@payawa.com.
CA License: DFPI#: 10861-99
STATUTE OF LIMITATIONS
If your account is being credit reported by AWA.
“The law limits how long you can be sued on a debt. Because of the age of your debt, we will not sue you for it. If you do not pay the debt, [insert name of debt collector] may [continue to] report it to the credit reporting agencies as unpaid for as long as the law permits this reporting.”
If your account is not being credit reported by AWA.
“The law limits how long you can be sued on a debt. Because of the age of your debt, we will not sue you for it, and we will not report it to any credit reporting agency.”
The California license number issued to Adler Wallach & Associates, Inc., is 10861-99.
COLORADO
Colorado law prohibits credit bureaus from reporting medical debt or factoring medical debt into a credit score unless the consumer report is to be used in connection with a credit transaction that involves, or that may reasonably be expected to involve, a principal amount that exceeds the national conforming loan limit value for a one-unit property as determined by the federal housing finance authority.
For information about the Colorado Fair Debt Collection Practices Act, see here: https://coag.gov/OFFICE-SECTIONS/CONSUMER-PROTECTION/CONSUMER-CREDIT-UNIT/COLLECTION-AGENCY-REGULATION/
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.
Colorado Resident Office:
Borenstein & Associates LLC
7200 S. Alton Way, Suite B180
Centennial, CO 80112
Phone: 303-768-0200
CONNECTICUT
The Company’s NMLS ID for Connecticut is 988275
DISTRICT OF COLUMBIA / DISTRITO DE COLUMBIA
If your debt has not been reduced to a judgment by a court, you have the right to request the following information concerning your debt:
The name of the original creditor, and the name of any other owners of your debt, including the current owner;
- Your last account number with the original creditor;
- A copy of the signed contract, signed application, or other documents which show your obligations;
- The date that your debt was incurred;
- The date of your last payment, if applicable; and
- An itemized accounting of the alleged debt, including the amount of any principal, interest, fees, or charges, and whether the charges were imposed by the original creditor, a debt collector, or other owner of the debt. For credit card or revolving credit accounts, the itemized accounting is measured from the charge-off balance.
You may request the above information by contacting us by phone, mail, or email, at the following: Address: P.O. Box 6605, Orange, CA 92863-6605 Phone: (888) 771-3690 E-mail Address: info@payawa.com
You might have income or resources that are protected from being taken by debt collectors. These might include certain sources of income, funds, or property, including, but not limited to, Social Security, Supplemental Security Income (SSI), disability or unemployment benefits, veteran’s benefits, or child support payments. If you believe your property or income may be protected, you may wish to seek legal advice, including at a legal services provider or legal aid office, before paying this debt.
Si su deuda no se ha reducido a una sentencia de un tribunal, tiene derecho a ossible la siguiente información sobre su deuda:
El nombre del acreedor original y el nombre de cualquier otro propietario de su deuda, incluido el propietario actual;
Su ossib número de cuenta con el acreedor original;
Una copia del contrato firmado, la solicitud firmada u otros documentos que demuestren su obligaciones;
La fecha en que se incurrió en su deuda;
La fecha de su ossib pago, si corresponde; y
Un informe detallado de la supuesta deuda, incluido ossible del principal, intereses, tarifas o cargos, y si los cargos fueron impuestos por el acreedor original, un cobrador de deudas u otro propietario de la deuda. Para tarjetas de crédito o cuentas de crédito rotativas, la contabilidad detallada se mide a partir del saldo de castigo.
Puede ossible la información anterior comunicándose con nosotros por teléfono, correo postal o correo electrónico, a los siguientes lugares: Dirección:P.O. Box 6605, Orange, CA 92863-6605 Teléfono:888) 771-3690 Dirección de correo electrónico: info@payawa.com
Es ossible que tenga ingresos o recursos que estén protegidos contra los cobradores de deudas. Estos pueden incluir ciertas fuentes de ingresos, fondos o propiedades, incluidos, entre otros, el Seguro Social, la Seguridad de Ingreso Suplementario (SSI), los beneficios por discapacidad o desempleo, los beneficios para veteranos o los pagos de manutención ossible. Si cree que su propiedad o ingresos pueden estar protegidos, es ossible que desee buscar asesoramiento legal, incluso en un proveedor de servicios legales o en una oficina de asistencia legal, antes de pagar esta deuda.
IDAHO
Toll-free telephone number: (888) 771-3690
MAINE
Toll-free telephone number: (888) 771-3690
Our operating hours are Monday – Friday: 7am to 5pm PT
Our physical address is 1045 W Katella Ave, Suite 300, Orange, California, 92867
MARYLAND
The Commissioner of Financial Regulation for the State of Maryland will accept all questions or complaints from Maryland residents regarding NMLS# 988275 at 1100 North Eutaw Street, Suite 611, Baltimore, Maryland 21201, phone (888) 784-0136
NMLS# 988275
https://www.nmlsconsumeraccess.org/
MASSACHUSETTS
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.
Toll-free telephone number: (888) 771-3690. Our operating hours are Monday – Friday: 7 am to 5 pm PT.
MINNESOTA
This collection agency is licensed by the Minnesota Department of Commerce.
Pursuant to MS §332.365
There are resources available to help manage your debt. The following Minnesota organizations offer debt and credit counseling services. The Department of Commerce does not control or guarantee any of the services provided by these organizations. The provision of this list is not a referral to, or endorsement or recommendation of, any organization or the organization’s services.
Waxa jira agab iyo dukumeentiyo u diyaar ah inay kaa caawiyaan maareynta dayntaada. Hay’adahaMinnesota ee soo socda ayaa bixiya adeegyada la talinta daynta. Waaxda Ganacsigu ma dammaanad qaado mana kaantaroosho adeegyada ay hay’adahani bixiyaan midkoodna. In liiskan lagu siiyay lama macno aha in laguu gudbiyay, lagugula taliyay ama laguu soo jeediyay, ururan midkoodna ama adeegyada ururadaba.
以下资源可以帮助您管理债务。以下这些明尼苏达州机构提供债务和信用咨询服务。
州商务局与这些机构间无隶属关系,亦不能保证其提供的任何服务。提供此列表并不表示对该 等机构或其服务的推荐、认可或建议。
Muaj cov peev txheej uas yuav los pab tswj koj cov nuj nqi. Cov koom haum hauv Minnesota nram qab no muaj cov kev pab cuam tawm tswv yim txog kev qiv nyiaj thiab nuj nqi. Lub Tuam Tsev Hauj Lwm ntsig txog Kev Lag Luam uas tsis muaj kev tswj los sis lav ib qho ntawm cov kev pab cuam uas muab los ntawm cov koom haum no. Qhov kev muab cov ntawv teev no tsis yog xa mus rau, los sis qhov kev lees paub los sis cov lus qhia, tej lub koom haum los sis lub koom haum cov kev pab cuam.
Hay recursos disponibles para ayudarle a gestionar sus deudas. Las siguientes instituciones de Minnesota ofrecen servicios de asesoramiento sobre deudas y crédito. El Departamento de Comercio no controla ni garantiza ninguno de los servicios prestados por estas instituciones. La presentación de esta lista no constituye una remisión, aprobación o recomendación de ninguna institución ni de sus servicios.
Có một số nguồn lực giúp quý vị quản lý khoản nợ của mình. Các tổ chức sau đây của Minnesota cung cấp dịch vụ tư vấn đối với các khoản nợ và tín dụng. Cơ Quan Thương Mại không kiểm soát hoặc đảm bảo bất kỳ dịch vụ nào do các tổ chức này cung cấp. Việc cung cấp danh sách này không phải hoạt động giới thiệu, chứng thực hoặc khuyến nghị cho bất kỳ tổ chức nào hoặc các dịch vụ của tổ chức đó.
LSS Financial Counseling Service
Multiple Minnesota Locations
Phone: 888-577-2227
www.lssmn.org/financialcounseling
Consumer Credit of Minnesota
5871 Cedar Lake Rd S, #105
St. Louis Park, MN 55416
Phone: 952-544-6800
www.ccofminnesota.org
Family Means Financial Solutions
1875 Northwestern Avenue South
Stillwater, MN 55082
Phone: 651-439-4840 | 800-327-3203
www.familymeans.org/financial-solutions
NEW YORK CITY
New York City Department of Consumer Affairs license numbers:2047464-DCA
Adler Wallach & Associates, Inc. offers bilingual services to Spanish-speaking consumers.
To obtain a letter in a larger font please contact us at the below noted telephone number. (888) 771-3690
NEW YORK STATE
In accordance with the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq., debt collectors 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.
Adler Wallach & Associates, Inc. is not a law firm. Adler Wallach & Associates, Inc. does not intend to obtain a money judgment, or seek any other relief, against you in court. The New York State Department of Financial Services, however, requires that the following notice be provided:
If a creditor or debt collector receives a money judgment against you in court, state and federal laws 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.
NEVADA
Collection Manager License CM10817 Allan Adler
Collection Agency License CAD161217
NORTH CAROLINA
North Carolina Department of Insurance SBS Company # 119503941. Physical Address: 1045 W Katella Ave, Suite 300, Orange, California, 92867
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