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.

• MARYLAND RESIDENTS
  This agency is licensed by the Maryland Department of Labor; Commissioner of Financial Regulation NMLS # 04-4198

     For more information or to verify license status, visit the NMLS Consumer Access website at https://www.nmlsconsumeraccess.org/

• NORTH CAROLINA RESIDENTS 

     This agency is licensed by the North Carolina Department of Insurance; License # 4123

• MASSACHUSETTS RESIDENTS

  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/

  Calling us or visiting our website will not preserve your rights set forth below to obtain verification of the debt or the original creditor’s name and address, as such rights are only preserved by making a written request to us within the time period described in the letter that was previously sent to you.

  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
  

  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

  NEW YORK CITY 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.

  Please contact us to confirm your preferred language for future communications. ACI conducts its business in English. ACI does not offer any language access services. A translation and description of commonly used debt collection terms is available in multiple languages at www.nyc.gov/dca.

• 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

• California Debt Collection Licensing Number: 10270-99 

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