Adler Wallach & Associates

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.

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.

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