YOUR RIGHTS

IMPORTANT NOTICE OF RIGHTS

We are required under state and/or federal law(s) to notify consumers of certain rights. This list does not include a complete list of rights you may have under state or federal laws or regulations. Federal Law or other state laws may also provide you with similar or even greater rights.

New York Residents: New York City Department of Consumer Affairs License Number 2056037DCA. 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.

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.

California Residents: 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 by the creditor to a credit reporting agency if you fail to fulfill the terms of your credit obligations.

Colorado Residents: For Information about the Colorado Fair Debt Collection Practices Act, see WWW.COAG.GOV/CAR. 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. You may also make payments in person to our in-state office during normal business hours: Office Location: 3025 Parker Rd Ste 705, Aurora, CO 80014. Phone: 303.614.9999

Maine Residents: Office Location: 100 Lakeside Drive, Suite 150, Horsham, PA 19044. Phone: 877.218.7006. Business hours: 8:00am - 9:00pm Monday through Friday Saturday 8:00am to 1:00pm Eastern Time.

Massachusetts Residents: Office Location: 100 Lakeside Drive, Suite 150, Horsham, PA 19044. Phone: 877.218.7006. Business hours: 8:00am - 9:00pm Monday through Friday, Saturday 8:00am to 1:00pm Eastern Time.

Massachusetts law requires that we inform you:

NOTICE OF IMPORTANT RIGHTS for Massachusetts Residents

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.

However, please be advised that we will honor an oral request that telephone calls not be made to your place of employment without written confirmation of the request.

Texas Residents: Office Location: 100 Lakeside Drive, Suite 150, Horsham, PA 19044. Phone: 877.218.7006 .Business hours: 8:00am - 9:00pm Monday through Friday, Saturday 8:00am to 1:00pm Eastern Time.

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

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

North Carolina: North Carolina Department of Insurance Permit #113308. Emergent Business Group, Inc. dba Emergent Servicing and dba Emergent Portfolio Services, 100 Lakeside Drive, Suite 150, Horsham, PA 19044

Tennessee: This collection agency is licensed by the Collection Service Board of the Department of Commerce and Insurance.

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

South Carolina:  Click here for the South Carolina Consumer Loans Rights and Responsibilities Pamphlet

IMPORTANT INFORMATION ABOUT CREDIT REPORTING

Please note that a negative credit bureau report reflecting on your credit record may be submitted to a credit reporting agency by the current account owner if you fail to fulfill the terms of your credit obligations. This notice in no way affects any rights you may have.