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. “Nonprofit credit counseling services may be available in the area.”

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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.
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Rausch Sturm LLP
5500 South Quebec St, Suite 260
Greenwood Village, CO 80111
877-215-2552

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FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE
WWW.COAG.GOV/CAR.

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Connecticut

This collection agency is licensed by the state of Connecticut Department of Banking, 260 Constitution Plaza, Hartford, CT 06103.
Company Name: Ceteris Portfolio Services, LLC
Company NMLS ID: 1805652

Maryland

MARYLAND RESIDENTS:
Maryland Department of Labor NMLS ID #: 1805652
To verify our licenses, please visit: https://www.nmlsconsumeraccess.org

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Maine

Office hours are: Monday-Thursday 8:00am-7:00pm, Friday 8:00am-4:30pm, and Saturday 8:00am-12:00Noon  EST

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Massachusetts

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 POST MARKED OR DELIVERED WITHIN SEVEN (7) DAYS OF SUCH REQUEST. YOU MAY TERMINATE THIS REQUEST BY WRITING TO SRA ASSOCIATES.

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Minnesota

SRA Associates is licensed by the Minnesota Dept. of Commerce. Office hours are: Monday-Thursday 8:00am-7:00pm, Friday 8:00am-4:30pm, and Saturday 8:00am-12:00Noon  EST

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New York

This collection agency is licensed by the City of New York Department of Consumer Affairs, license number 2081870-DCA.

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:

• the use or threat of violence;
• the use of obscene or profane language; and
• 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.

Please contact us to confirm your preferred language for future communications. All communications are in English with the following exception: Spanish-speaking agents are available by phone upon request and other telephone translations may be available through Certified Languages, a third party service provider. Written communications may be available in Spanish upon request. A translation and description of commonly-used collection terms is available in multiple languages at www.nyc.gov/dca.

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North Carolina

SBS Company Number: 119507436

Tennessee

SRA Associates is licensed by the Collection Service Board of the Department of Commerce and Insurance, 500 James Robertson Parkway, Nashville, TN 37243.

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