State Disclosures

State Disclosures

This communication is from a debt collector and any information obtained will be used for that purpose.

Please find below important additional information for residents of the following states:

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 

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

Privacy Policy. You understand, acknowledge, and agree that the operation of certain areas of the Commercial Services Group, Inc.’s (CSG) Website requires the submission, use, and dissemination of personally identifiable information. If You wish to access and use those areas of the Website, You acknowledge and agree that Your access and use will constitute acceptance of CSG’s personally identifiable information collection and use practices. For information relating to CSG’s collection and use of personally identifiable information in connection with Your use of this Website, please see our Privacy Policy.

You may request records showing the following: (1) that CSG has the right to seek collection of the debt; (2) the debt balance, including an explanation of any interest charges and additional fees; (3) the date the debt became delinquent or the date of the last payment; (4) the name of the creditor and the account number associated with the debt; (5) the name and last known address of the debtor as it appeared in the creditor’s records prior to assignment of the debt; and (6) 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: Commercial Services Group, Inc. 2001 Newmarket Drive, Louisville, KY 40222. 

See also California Privacy Policy.

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 further communication will not prohibit the debt collector or collection agency from taking any other action authorized by law to collect the debt.

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.

Commercial Services Group, Inc.’s Colorado office: 3605 Mead Street, Fort Collins, Colorado 80526-5313. 

MAINE:

Standard Office Hours: Monday – Friday Between 8am-5pm Eastern Standard Time

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 Resurgent Capital Services.

Massachusetts residents may contact our office by the following methods: 

Telephone: (800) 264-6850

Mail: 2001 Newmarket Drive

          LOUISVILLE, KY 40222

Standard Office Hours: Monday – Friday Between 8am-5pm Eastern Standard Time

MINNESOTA:

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

NEW YORK: 

New York City Department of Consumer Affairs License Number: 2054302-DCA  

This collection agency is licensed by the City of Buffalo: License Number: CAG15-10032419

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: a) the use or threat of violence; b) the use of obscene or profane language; and c) 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;
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;
11. Ninety percent of your wages or salary earned in the last sixty days

Federal law prohibits certain methods of debt collection, and requires that we treat you fairly.  You can stop us from contacting you by writing a letter to us that tells us to stop the contact or that you refuse to pay the debt.  Sending such a letter does not make the debt go away if you owe it.  Once we receive your letter, we may not contact you again, except to let you know that there won’t be any more contact or that we intend to take a specific action.

The Federal Trade Commission enforces the Fair Debt Collection Practices Act (FDCPA).  If you have a complaint about the way we are collecting your debt, please contact the FTC online at www.ftc.gov; by phone at 1-877-FTC-HELP; or by mail at 600 Pennsylvania Ave., N.W., Washington, D.C. 20580.

Commercial Services Group, Inc. does not offer any language access services. However, you can find a translation and description of commonly-used debt collection terms in your preferred language on the New York City Department of Consumer Affairs website at https://www1.nyc.gov/site/dca/consumers/Glossary-of-Common-Debt-Collection-Terms.page.  

You can request that communications regarding this matter be provided in an alternative format, such as large print. Please contact us at 1-800-264-6850 to make such a request.

Accessibility Accommodations

For your convenience the New York City Department of Consumer Affairs offers a translation and description of commonly-used debt collection terms in multiple languages on the Department’s website. https://www1.nyc.gov/site/dca/consumers/Glossary-of-Common-Debt-Collection-Terms.page

Adaptaciones de accesibilidad

Para su conveniencia, el Departamento de Asuntos del Consumidor de la Ciudad de Nueva York ofrece una traducción y descripción de los términos de cobranza que se utilizan comúnmente en varios idiomas en el sitio web del Departamento. 

NORTH CAROLINA:

NC Department of Insurance Company # 119506982

TENNESSEE:

This collection agency is licensed by the Collection Service Board of the Department of Commerce and Insurance. 

UTAH:

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