IMPORTANT NOTICES

OFFICE HOURS: Monday through Friday 9:00 AM – 5:00 PM. (All times are Eastern).

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 the state and federal law. 

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 8:00 AM or after 9:00 PM. 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 phone 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 judgement. For more information about debt collection activities, you may contact the Federal Trade Commission at 1.877-FTC-HELP or www.ftc.gov. Nonprofit credit counseling services may be available in the area. 

California/Utah – 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. 

Colorado – Colorado residents may contact our office by telephone at 800-875-9221 during the office hours stated above. 

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 ANOTHER ACTION AUTHORIZED BY LAW TO COLLECT THE DEBT. 

Massachusetts – Massachusetts residents may contact our office by telephone at 800-875-9221 during the office hours stated above. The business address is: 1401 Brickell Ave. Suite 320 Miami, FL 33131. 

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 OR DELIVERED WITHIN SEVEN DAYS OF SUCH REQUEST. YOU MAY TERMINATE THIS REQUEST BY WRITING TO THE CREDITOR. 

Minnesota – This collection agency is licensed by the Minnesota Department of Commerce.

New York City – New York City Department of Consumer Affairs License number 2097825-DCA.

Be advised that debt collectors, in accordance with the Fair Debt Collection Practices Act, 15 U.S.C ss1692 et seq., 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; 11. Ninety percent of your wages or salary earned in the last sixty days. 

Please be further advised that in accordance with 6 RCNY § 5-77(e)(9) a debt collector must request a consumer’s preferred language. Accordingly, Schwartz Vays hereby requests that as part of your response to this communication, to please disclose your preferred language to our offices.

Schwartz Vays offers consumers the opportunity to speak with a Spanish speaking company representative. Schwartz Vays does not offer any language access services. A translation and description of commonly-used debt collection terms is available in multiple languages on the Department’s website, www.nyc.gov/dca.

North Carolina – North Carolina Department of Insurance Permit Number 512959653.

Tennessee – This collection agency is exempt from licensing by the Department of Commerce and Insurance. 

Texas – Please call us toll-free at 800-875-9221.

Wisconsin – This collection agency is exempt from licensing by the Division of Banking in the Department of Financial Institutions, www.wdfi.org.
To all consumers: Federal law or other state laws may also provide you with similar or even greater rights.

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