Certain state and federal laws require us to provide you the following information:

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

The Fair Debt Collection Practices Act prevents the use of abusive, deceptive, and unfair debt collection practices by many debt collectors.

For more information about the federal Fair Debt Collection Practices Act, please visit the FTC website at http://www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text

The Fair Debt Collection Practices Act does not necessarily contain a complete list of the rights consumers have under state law and you may have additional rights under individual state laws.