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

What else can you do? Contact us and ask for the name and address of the original creditor. To learn more about your rights under federal law, go to www.consumerfinance.gov.

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

NORTH CAROLINA
North Carolina Insurance Permit Number 4131

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

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 POSTMARKED OR DELIVERED WITHIN SEVEN (7) DAYS OF SUCH REQUEST. YOU MAY TERMINATE THIS REQUEST BY WRITING TO THE DEBT COLLECTOR. Mass. Regs. Code tit. 940 § 7.04(i). Massachusetts Local Address: 15 Union St., Lawrence, MA 01840
Hours are: Mon-Fri 8AM – 5PM, Sat: 9AM – 1PM CST

MAINE
Hours are: Mon-Fri 8AM – 5PM, Sat: 9AM – 1PM CST

IDAHO
You may contact this collection agency by contacting (888)445-8832. Alternatively, you may send written communication
to 555 E. Ramsey Road San Antonio, TX 78216. License # CFP-4939

UTAH
As required by law, you are hereby notified that a negative credit report reflecting on your credit may be submitted to a credit reporting agency if you fail to fulfill the terms of you credit obligations.

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 US +1 (877) 382-4357 Call or www.ftc.gov.”

Statute of Limitations

The law limits how long you can be sued on a debt. Because of the age of your debt, we will not sue you for it. If you do not pay the debt, Sarma Collections, Inc. may continue to report it to the credit reporting agencies as unpaid for as long as the law permits this reporting.

CONNECTICUT
This collection agency is licensed in Connecticut, license number: 16822

COLORADO
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:
Sarma Collections, Inc. 555 E. Ramsey, San Antonio, Texas 78216
FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE
WWW.COLORADOATTORNEYGENERAL.GOV/CA
Local Office
7200 S Alton Way, Ste B180
Centennial, CO 80112
Phone: 303-309-3839

NEW YORK
IMPORTANT INFORMATION FOR THE STATE OF NEW YORK
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.

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:

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

This collection agency is licensed by the city of Buffalo, license number 541570.
This collection agency is licensed by the city of New York, license number 1214952.

A translation and description of commonly used debt collection terms may be available at, www.nyc.gov/dca. For certain client accounts, Sarma Collections, Inc. has translated consumer notices into Spanish. Contact us to see if this applies to your account.