NEW YORK RESIDENTS ONLY:

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1. 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:

   1. the use or threat of violence;

   2. the use of obscene or profane language; and

   3. repeated phone calls made with the intent to annoy, abuse, or harass.

2. 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:

   1. Supplemental security income, (SSI);

   2. Social security;

   3. Public assistance (welfare);

   4. Spousal support, maintenance (alimony) or child support;

   5. Unemployment benefits;

   6. Disability benefits;

   7. Workers compensation benefits;

   8. Public or private pensions;

   9. Veterans benefits;

   10. Federal student loans, federal student grants, and federal work study funds; and

   11. Ninety percent of your wages or salary earned in the last sixty days.

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NEW YORK CITY RESIDENTS ONLY:

NEW YORK CITY DEPARTMENT OF CONSUMER AFFAIRS LICENSE NUMBER: 1239906-DCA.

Please contact us to confirm your preferred language for future communications. All communications are in English with the following exception: Spanish-speaking agents are available by phone upon request. Written communications may be available in Spanish upon request. A translation and description of commonly-used debt collection terms is available in multiple languages at www.nyc.gov/dca.