6800 Jericho Turnpike,
Suite 113E,
Syosset NY 11791
(800) 851 - 9592

Slide 1

Federal / State Disclosures

NOTICE OF IMPORTANT RIGHTS!
DBA Consumer Education www.dbainternational.org/consumer-resources/

We are required by law to notify consumers of the following rights. This list does not include a complete list of rights consumers have under state and federal laws.

IN 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 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 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. For accounts purchased by DRS: You may request records showing the following;1) that the current creditor 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 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 it appeared in the charge off creditor’s or debt buyer’s records prior to the sale of the debt, as appropriate; 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 :Debt Recovery Solutions, LLC 6800 Jericho Turnpike Suite 113E Syosset NY 11791 and/or compliance@dbtsolutions.com

IN 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. Our in state office address and telephone number is 1311 E. Briarwood Ave. Ste 340, Centennial, CO 80112; (303) 768-0200

IN 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 10 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 collection agency. You may contact us by telephone at (800) 851-9631 between 9:30 am and 8:00 pm Eastern Time Monday –Thursday, 9:30 am and 3:30 pm Eastern Time Friday, 9:30 am and 1:30 pm Saturday, or in writing at 6800 Jericho Turnpike, Suite 113E, Syosset NY 11791. Our Resident Agent is located a Corporate Services Company. 84 State Street, Boston, MA 02109. Hours are Mon-Fri 8:00 am – 5:30 pm (EST), (800)403-5272.

IN MINNESOTA: THIS COLLECTION AGENCY IS LICENSED BY THE MINNESOTA DEPARTMENT OF COMMERCE.

IN NEW YORK CITY: : This collection agency is licensed by the New York City Department of Consumer Affairs. The license number is : 1114291

IN TENNESSEE: This collection agency is licensed by the Collection Service Board, State Department of Commerce and Insurance. Tennessee ID number: 505

IN UTAH: 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.

IN NORTH CAROLINA: This collection agency is licensed by the North Carolina Department of Insurance. The license number is 3945. Its true name is Debt Recovery Solutions, LLC. Its true address is 6800 Jericho Turnpike, Suite 113E, Syosset NY 11791.

IN NEVADA: If the consumer pays or agrees to pay the debt or any portion of the debt, the payment or agreement to pay must be construed as (1) an acknowledgement of the debt by the consumer; and (2) a waiver by the consumer of any applicable statute of limitations set forth in NRS 11.190 that otherwise precludes the collection of the debt; and (3) if the consumer does not understand or has questions concerning his/her legal rights or obligations relating to the debt, the debtor should seek legal advice.

Privacy Notice
In accordance with federal regulations, Debt Recovery Solutions is giving you this notice to tell you how we may use non-public personal information about you and your account (“Private Information”). This notice applies whether you are a current or a former customer of Debt Recovery solutions.


COLLECTION AND USE OF PRIVATE INFORMATION
We collect Private Information about you from the following sources:
Information we receive from you either directly or indirectly, such as information on applications or other forms, which may include your name, address, social security number and income. Information about your transactions with us or others, such as your account balance and payment history. Information we receive from consumer reporting agencies, such as your credit history and credit worthiness.

DISCLOSURE OF PRIVATE INFORMATION
We only disclose information we collect to affiliated and non-affiliated third parties as permitted by the federal Fair Debt Collection Practices Act. We may disclose information we collect to:

• Credit bureaus
• The original creditor and entities that have had an ownership interest in your account
• Entities that provide mailing services on our behalf
• Entities that provide collection-related services on our behalf
• Others, such as third parties, when you direct us to share information about you
• Affiliated and non-affiliated parties if not prohibited by the federal Fair Debt Collection Practices Act or by other applicable laws.


MAINTENANCE OF ACCURATE INFORMATION
We have established procedures to correct inaccurate information in a timely manner. If you have any reason to believe that our record of your Private Information is incorrect, contact us in writing at 6800 Jericho Turnpike, Suite 113E, Syosset NY 11791. We will investigate the situation and, when appropriate, update our records accordingly.

PROTECTION OF INFORMATION
We restrict access to Private Information about you to our employees who need this information to provide products and services to you. We maintain physical, electronic, and procedural safeguards that are consistent with federal standards to guard your Private Information.

For account questions, comments, or general customer service, you may contact us at (800) 851-9631 Monday through Thursday from 9:30am to 8:00 pm Eastern time, Friday from 9:30 am to 3:30 pm Eastern time and Saturday from 9:30 am to 1:30 pm Eastern time, or you may write to us at 6800 Jericho Turnpike, Suite 113E, Syosset NY 11791.

By sending your check, please be aware that you are authorizing Debt Recovery Solutions, LLC to use information from your check to make a one-time electronic debit from your account at the financial institution indicated on your check.

This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.