State Disclosures - USA

State Disclosures

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 8am. or after 9pm. 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.

You may request records showing the following:

  • that InDebted has the right to seek collection of the debt;
  • the debt balance, including an explanation of any interest charges and additional fees;
  • the date the debt became delinquent or the date of the last payment;
  • the name of the creditor and the account number associated with the debt;
  • the name and last known address of the debtor as it appeared in the creditor’s records prior to assignment of the debt; and
  • the names of all persons or entities other than the debt collector to which the debt has been assigned, if applicable.

You may also request from us a copy of the contract or other document evidencing your agreement to the debt. A request for these records may be addressed to: InDebted C/O Data Dash Inc 802 Progress Dr. Farmington, MO 63640 or  customersupport-us@indebted.co.

The California license number issued to InDebted is 10405-99.

COLORADO

Colorado law prohibits credit bureaus from reporting medical debt or factoring medical debt into a credit score unless the consumer report is to be used in connection with a credit transaction that involves, or that may reasonably be expected to involve, a principal amount that exceeds the national conforming loan limit value for a one-unit property as determined by the federal housing finance authority.

For information about the Colorado Fair Debt Collection Practices Act, see here:  https://coag.gov/OFFICE-SECTIONS/CONSUMER-PROTECTION/CONSUMER-CREDIT-UNIT/COLLECTION-AGENCY-REGULATION/

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 Resident Office: 27 North Willerup Suite B, Montrose, CO 81401

Phone: 970-249-7514 or toll free at 888-306-3160 

CONNECTICUT

The Company’s NMLS ID for Connecticut is 908487

DISTRICT OF COLUMBIA / DISTRITO DE COLUMBIA

If your debt has not been reduced to a judgment by a court, you have the right to request the following information concerning your debt:

The name of the original creditor, and the name of any other owners of your debt, including the current owner;

  • Your last account number with the original creditor;
  • A copy of the signed contract, signed application, or other documents which show your obligations;
  • The date that your debt was incurred;
  • The date of your last payment, if applicable; and
  • An itemized accounting of the alleged debt, including the amount of any principal, interest, fees, or charges, and whether the charges were imposed by the original creditor, a debt collector, or other owner of the debt. For credit card or revolving credit accounts, the itemized accounting is measured from the charge-off balance.

You may request the above information by contacting us by phone, mail, or email, at the following: Address: 802 Progress Dr. Farmington, MO 63640 Phone: 888-306-3160 E-mail Address:  info@indebted.us

You might have income or resources that are protected from being taken by debt collectors. These might include certain sources of income, funds, or property, including, but not limited to, Social Security, Supplemental Security Income (SSI), disability or unemployment benefits, veteran’s benefits, or child support payments. If you believe your property or income may be protected, you may wish to seek legal advice, including at a legal services provider or legal aid office, before paying this debt.

Si su deuda no se ha reducido a una sentencia de un tribunal, tiene derecho a ossible la siguiente información sobre su deuda:

El nombre del acreedor original y el nombre de cualquier otro propietario de su deuda, incluido el propietario actual;

Su ossib número de cuenta con el acreedor original;

Una copia del contrato firmado, la solicitud firmada u otros documentos que demuestren su obligaciones;

La fecha en que se incurrió en su deuda;

La fecha de su ossib pago, si corresponde; y

Un informe detallado de la supuesta deuda, incluido ossible del principal, intereses, tarifas o cargos, y si los cargos fueron impuestos por el acreedor original, un cobrador de deudas u otro propietario de la deuda. Para tarjetas de crédito o cuentas de crédito rotativas, la contabilidad detallada se mide a partir del saldo de castigo.

Puede ossible la información anterior comunicándose con nosotros por teléfono, correo postal o correo electrónico, a los siguientes lugares: Dirección: 802 Progress Dr. Farmington, MO 63640 Teléfono: 888-306-3160 Dirección de correo electrónico:  info@indebted.us

Es ossible que tenga ingresos o recursos que estén protegidos contra los cobradores de deudas. Estos pueden incluir ciertas fuentes de ingresos, fondos o propiedades, incluidos, entre otros, el Seguro Social, la Seguridad de Ingreso Suplementario (SSI), los beneficios por discapacidad o desempleo, los beneficios para veteranos o los pagos de manutención ossible. Si cree que su propiedad o ingresos pueden estar protegidos, es ossible que desee buscar asesoramiento legal, incluso en un proveedor de servicios legales o en una oficina de asistencia legal, antes de pagar esta deuda.

IDAHO

Toll-free telephone number: 888-306-3160

MAINE

Toll-free telephone number: 888-306-3160

Our operating hours are Monday - Thursday: 9am to 7pm ET, Friday: 8am to 5:30pm ET

Our physical address is 5301 Veterans Memorial Parkway, Suite 204, St. Peters, MO 63376

Maryland 

NMLS# 908487

https://www.nmlsconsumeraccess.org/

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 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 debt collector.

Toll-free telephone number: 888-306-3160. Our operating hours are Monday – Thursday: 8am to 6pm CST, Friday: 7am to 4:30pm CST

MINNESOTA

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

NEW YORK CITY

New York City Department of Consumer Affairs license numbers:

2097263-DCA – 5301 VETERANS MEMORIAL PKWY 204, St Peters MO 63376

2112894-DCA - 3800 Howard Hughes pky #930, Las Vegas NV 89169

2099621-DCA - 5th Floor PNB Building 6754 Ayala Avenue corner, Legazpi Village Makati City,Metro Manila, Philippines 1229

InDebted USA, Inc. offers bilingual services to Spanish speaking consumers. 

To obtain a letter in a larger font please contact us at the below noted telephone number. 888-306-3160 

NEW YORK STATE

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:

(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.

InDebted is not a law firm. InDebted does not intend to obtain a money judgment, or seek any other relief, against you in court. The New York State Department of Financial Services, however, requires that the following notice be provided:

If a creditor or debt collector receives a money judgment against you in court, state and federal laws 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.

You may request communications in an alternative, reasonably accommodatable format such as large print, braille, audio compact disc, or other means. You may make a request for alternative communications by calling toll-free 888 306 3160 during regular business hours.

NORTH CAROLINA

North Carolina Department of Insurance SBS Company # 513145593 Physical Address: 5301 Veterans Memorial Pkwy, Ste 204, St. Peters, MO 63376

North Carolina Department of Insurance SBS Company # 521339237 Physical Address: 3800 Howard Hughes Pkwy Suite 930 Las Vegas, NV 89169

North Carolina Department of Insurance SBS Company # 516770905 Physical Address: 6754 Ayala Avenue PNB Building, 5th Floor Legazpi Village, Makati 1229 Metro Manila, Philippines