Disclosures

Unless you notify this office within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid.  If you notify this office in writing within 30 days from receiving this notice that you dispute the validity of this debt, or any portion thereof, this office will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification.  If you request of this office in writing within 30 days after receiving this notice, this office will provide you with the name and address of the original creditor, if different from the current creditor.

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

Calls inbound or outbound may be monitored and are recorded for quality control purposes.

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 judgment.  For more information about debt collection activities, you may contact the Federal Trade Commission at 1-877-FTC-HELP or www.ftc.gov.  Non Profit Counseling services may be available in your area.

California Medical Patients Only: Nonprofit credit counseling services may be available in the area.

California and Utah Residents:  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.  But we will not submit a negative credit report to a credit reporting agency about this credit obligation until the expiration of the time period described in your first notice you received from us.

Massachusetts Residents:  MASSACHUSETTS RESIDENTS MAY CONTACT OUR OFFICE BY TELEPHONE AT THE NUMBER, OFFICE HOURS, AND ADDRESS STATED BELOW OR TO 155 FEDERAL STREET, SUITE 700, BOSTON MA  02110.

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 ONLY FOR TEN DAYS UNLESS YOU PROVIDE WRITTEN CONFIRMATION OF THE REQUEST POSTMARKED AND DELIVERED WITHIN SEVEN DAYS OF SUCH REQUEST.  YOU MAY TERMINATE THIS REQUEST IN WRITING TO THE COLLECTION AGENCY.

Colorado Residents:  “FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE 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 OTHER ACTION AUTHORIZED BY LAW TO COLLECT THE DEBT.  YOU MAY CONTACT OUR OFFICE AT:  ASSOCIATED COLLECTIONION AGENCIES INC., 27 NORTH WILLERUP, SUITE B, MONTROSE CO 81401 OR BY TELEPHONE AT 970-249-7514.

Minnesota Medical Patients Only:  This collection agency is licensed by the Minnesota Department of Commerce.  If you feel that your concerns have not been addressed, please contact National Recovery Agency and allow us the opportunity to try and address your concerns.  Or, you have the option to address any concerns with the Minnesota Attorney General’s Office, which can be reached at 651-296-3353 or 1-800-657-3787.

Nevada Hospital Patients Only:  (A) If the debtor pays or agrees to pay the debt or any portion of the debt, the payment or agreement to pay may be construed as: (1) An acknowledgement of the debt by the debtor, and (2) A waiver by the debtor or any applicable statute of limitations set forth in NRS 11.190 that otherwise precludes the collection of the debt and (B) If the debtor does not understand or has questions concerning his legal rights or obligations relating to the debt, the debtor should seek legal advice.  As used in this section, “hospitals” has the meaning ascribed to it in NRS 449.012.

New York City Residents:  New York City Department of Consumer Affairs License Number:  1239906

New York Residents: Debt collectors, in accordance with the Fair Debt Collection Pracitces 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: a) the use or threat of violence; b) the use of obscene or profane language; and c) repeated phone calls 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 (90%) of your wages or salary earned in the last sixty (60) days.

Pursuant to New York law, 23 N.Y.C.R.R. § 1.4, a consumer may request substantiation of a debt in writing by sending notice of their dispute and request for substantiation of the debt to P.O.  Box 67015, Harrisburg, PA 17106-7015.  Purusant to § 1.4 the debt collector is required to provide substantiation within 60 days of receiving the request and cease collection of the debt until written substantiation has been provided to the consumer.  A debt collector is only required to provide substantiation once during the period that the debt collector owns or has the right to collect the debt.

North Carolina Residents:  NC Permit No. 4485

Tennessee Residents:  This collection agency is licensed by the Collection Service Board of the Department of Commerce and Insurance, permit number 812.

Pay in Person

If you would like to make a payment in person you can deliver it to our office located at:

2491 Paxton Street
Harrisburg, PA 17111

Our hours are 9:00-5:00 Monday through Friday.

Pay By Phone

You can make a payment on the phone by calling us toll free at 800-773-4503.

Pay By UPS/FedEx

If you want to mail your payment via UPS or FedEx, send it to:

NRA Group
2491 Paxton Street
Harrisburg, PA 17111

Pay By Mail

If you want to mail your payment, send it to:

NRA Group
P.O. Box 67015
Harrisburg, PA 17106-7015

Pay By HSA

To pay using a Health Savings Account (HSA) please call the office at 800-773-4503.