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.
State and Local Notices
Notice of Important Rights!
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.
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 HTTPS://COAG.GOV/OFFICE-SECTIONS/CONSUMER-PROTECTION/CONSUMER-CREDIT-UNIT/COLLECTION-AGENCY-REGULATION/. Our in-state office address and telephone number is 27 N Willerup, Suite B, Montrose, CO 81401, (970) 249-7414.
In New York City: This collection agency is licensed by the New York City Department of Consumer Affairs. The license number is 13455432-DCA
We only provide oral and written communication in English. A translation and description of commonly-used debt collection terms is available in multiple languages on the Department’s website, www.nyc.gov/dca
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 103631. Its true name is Allgate Financial LLC. Its true address is: 166 W. Washington Suite 700 Chicago, IL 60602.
Allgate 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 Allgate.
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:
The original creditor and entities that have or 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 166 W. Washington Suite 700 Chicago, IL 60602. 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 government standards to guard your Private Information.