Required State Disclosures

Updated: January 2024

California:
The state Rosenthal Fair Debt Collection Practices Act and the federal Fair Debt Collections 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.
As required by law, you are hereby notified that a negative credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.
Debt Collector License Number 10635-99

Colorado:
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.
You may pay in person at 1776 S. Jackson #900 Denver, CO 80210. You can reach our in-state office at 720-287-8692.
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.

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.

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

New York City:
FOR NEW YORK CITY RESIDENTS ONLY (pursuant to the requirements of the NYC Department of Consumer and Worker Protection):
Credit Control, LLC is licensed by the New York City Department of Consumer and Worker Protection for:
3300 Rider Trail S, Suite 500, Earth City, MO 63045 #2102833-DCA
9929 Race Track Road, Tampa, FL 33626 #2102835-DCA
8001 Woodland Center Blvd. Suite 200, Tampa, FL 33614 #2102837-DCA

NYC Language Preference:
New York City regulations require us to record the language preference of New York City consumers. Please click here to access your Credit Control, LLC account and choose your language preference from the drop-down menu. You also can call the toll-free number listed on any correspondence you have received from us or call our main line at 1-888-365-7145 to provide us with your preferred language.
Please note that Credit Control does not provide translation of any communication created or made in English into another language. In some instances, Credit Control does provide agents who can speak in Spanish and in some instances makes limited written communications in Spanish.
A translation and description of commonly-used debt collection terms is available in multiple languages on the Department’s website, www.nyc.gov/dca.

Nevada:
If you owe a claim to a hospital (as defined by NRS 449.012), please be aware that if you pay or agree to pay the claim or any portion of the claim, the payment or agreement to pay: (1) may be construed as an acknowledgment of the claim by you; and (2) as provided in NRS 11.200, does not constitute a waiver by the consumer of any applicable statute of limitations set forth in NRS 11.190 that otherwise precludes the collection of the claim. If you do not understand or have questions concerning your legal rights or obligations relating to the claim, you should seek legal advice.
NMLS Number 870875
Compliance Manager Certificate Number CM11224 and Unique Identifier Number 925006
Compliance Manager Certificate Number CM12824 and Unique Identifier Number 871164

New Mexico:
Information about the Surprise Billing Protection Act, 2019 N.M. SB 337, can be obtained online at https://www.osi.state.nm.us/ or by contacting the Office of Superintendent of Insurance at 1120 Paseo de Peralta, Santa Fe, NM 87501 or 1-855-427-5674.

NORTH CAROLINA
Pursuant to the N.C. Department of Insurance, Credit Control, LLC maintains a permit for the following offices:
3300 Rider Trail S, Suite 500, Earth City, MO 63045 #516446786
9929 Race Track Road, Tampa FL 33626 #516446799
8001 Woodland Center Blvd. Suite 200, Tampa, FL 33614 #516446785

North Dakota:
To verify the NMLS license number(s) for Credit Control, LLC in North Dakota, please visit: NMLS Consumer Access Entity Details – Credit Control

South Carolina:
State Board of Financial Institutions Supervised Lenders – License No. SL-870875: Click here to view a copy
State Board of Financial Institutions Supervised Lenders – License No. SLW1-870875: Click here to view a copy
Consumer Loans Pamphlet from the South Carolina Board of Financial Institutions, Consumer Finance Division: Click here to view a copy (opens in a new window)

Utah:
As required by Utah law, you are hereby notified that a negative credit report reflecting on your credit report may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.

Washington:
3300 Rider Trail S, Suite 500, Earth City, MO 63045 Office: Washington Consumer Loan License No. CL-870875 / NMLS ID 870875
8001 Woodland Center Boulevard, Suite 200, Tampa, FL 3614: Washington Consumer Loan Branch License No. CL-1120166 / NMLS ID 1120166

Mortgage Disclosures

In accordance with the federal Real Estate Settlement Procedures Act (RESPA) & Regulation X (12 CFR Section 1024 .35 and 1024.36), borrowers have the right to notify their servicer of an error regarding the servicing of their closed-end mortgage loan or to request information related to the servicing of their closed-end mortgage loan.

Notice of Error

When you write to your mortgage servicer to ask for information or to complain about certain errors, the servicer must correct the error, advise of the correction made or that no errors were identified along with an explanation, and to provide contact information should have any additional questions. Examples of “errors” include when the servicer:

• Does not apply your payment correctly
• Charges improper fees
• Provides you inaccurate information about loss mitigation options and foreclosure
• Starts a foreclosure or foreclosure sale in violation of the loss mitigation rules; or makes any other error relating to the servicing of your mortgage loan
• Failed to pay taxes and/or changes

The servicer generally has five days (excluding Saturdays, Sundays and federal holidays i.e., business days) to acknowledge your letter. The servicer generally has 30 to 45 business days (if a 15-day extension is allowed) to fix the error or send you the information you requested or investigate and explain why no error occurred or the information is not available. As part of this law, servicers may designate a specific address to which all error notices and information requests must be submitted.

Requests for Information

A request for information can be made to the servicer if you are unsure if an error had taken place with your loan. The servicer must acknowledge your inquiry within five (5) days and provide you with any requested information or an explanation if the information is requested is not available.

If you wish to provide a Notice of Error or a Request for Information, you can write the servicer directly or to us directly at the following address:

Correspondence
PO Box 488
Hazelwood, MO 63042

Notice of Error and Request for Information notices must include your name, account number and a specific description of the error or a detailed list of the information being requested.

California:
Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act – File # 413-1277