Important Consumer Information

This list does not contain a complete list of the rights consumers have under state and federal law.

This is an attempt to collect a debt. Any information obtained will be used for that purpose. This communication is from a debt collector.

  • TENNESSEE RESIDENTS
    This Collection Agency is licensed by the Tennessee Collection Service Board of the Department of Commerce and Insurance.

  • NORTH CAROLINA RESIDENTS
    This agency is licensed by the North Carolina Department of Insurance; License # 4123

  • MASSACHUSETTS RESIDENTS
    MASSACHUSETTS LOCAL ADDRESS: 15 UNION ST., LAWRENCE, MA 01840

    *PLEASE DO NOT SEND PAYMENTS TO THIS ADDRESS*

    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 POSTMARKED OR DELIVERED WITHIN SEVEN (7) DAYS OF SUCH REQUEST.

    YOU MAY TERMINATE THIS REQUEST BY WRITING TO THE DEBT COLLECTOR.

  • COLORADO RESIDENTS
    FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE 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 other action authorized by law to collect the debt.

    The address of this collection agency is:
    AMERICAN CORADIUS INTERNATIONAL LLC 2420 SWEET HOME RD STE 150 AMHERST NY 14228-2244

    Colorado Local Office:
    8690 Wolff Court, Suite 110 Westminster, CO 80031, Phone: (303) 920-4763.

  • CONNECTICUT RESIDENTS
    This collection agency is licensed in Connecticut, license number:  816187.

  • NEW YORK RESIDENTS
    This collection agency is licensed by the Department of Consumer Affairs of the City of New York, License # 1308352.  You may contact Correspondence at American Coradius International, LLC at 1-855-589-5009.

    NEW YORK CITY RESIDENTS
    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 LanguageLine Solutions, a third party service provider.  Written communications may be available in Spanish upon request.  A translation and description of commonly-used debt collection terms is available in multiple languages at www.nyc.gov/dca.


    Important Information
    We are required by regulation of the New York State Department of Financial Services to notify you of the following information. This information is NOT legal advice. Debt collectors, in accordance with the Fair Debt Collection Practices 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:

    (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; and
    11. Ninety percent of your wages or salary earned in the last sixty days

  • 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 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

    For more information on our privacy practices, please visit our privacy page.