Online Correspondence

You are entering a secure consumer site. Please review the important information below.

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

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

The State of California requires that we furnish California residents with the following information.

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 8:00 a.m. or after 9:00 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.

The State of Colorado requires that we furnish Colorado residents with the following information.

For information about the Colorado Fair Debt Collection Practices Act, see http://www.coloradoattorneygeneral.gov/ca.

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 Office: 1776 South Jackson St. #900 Denver, CO 80210, Hours: 8:00AM - 5:00PM Monday-Friday. Local Telephone Number: (303) 753-0945.

The State of Minnesota requires that we furnish Minnesota residents with the following information.

Mercantile Adjustment Bureau, LLC collection agency is licensed by the Minnesota Department of Commerce.

The Commonwealth of Massachusetts requires that we furnish Massachusetts residents with the following information.

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 (10) days unless you provide written confirmation of the request postmarked or delivered within seven (7) days of such request. You may terminate this request by writing to the collection agency.

Massachusetts Office: 5230 Washington Street, West Roxbury, MA 02132

Office Hours: Monday – Thursday 10:00 am - 3:00 pm. Friday – Sunday Closed

The City of New York requires that we furnish New York residents with the following information.

New York City Department of Consumer Affairs License Number: 1310227, 1310229

The State of North Carolina requires that we furnish North Carolina residents with the following information.

Mercantile Adjustment Bureau is licensed by the North Carolina Department of Insurance, permit number 3727, 104003.

The State of Tennessee requires that we furnish Tennessee residents with the following information.

This collection agency is licensed by the Collection Service Board, State Department of Commerce and Insurance, 500 James Robertson Parkway, Nashville, TN 37243.

By clicking this tab you confirm that you have read the mini Miranda and consumer disclosure specific to your state if applicable.