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Consumers have certain rights under local, state, and federal laws.  Some states require that we publish those rights, along with other information, on our website.  The below list is not legal advice and does not contain a complete list of the rights consumers have under local, state, and federal laws.

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

Drew Eckl & Farnham, LLP is located at 235 Peachtree Street NE, Suite 1900, Atlanta, Georgia 30303 and may be contacted at 1-877-219-5222 or 678-271-9150 between the hours of 8:30 a.m. and 5:30 p.m. Eastern Time, Monday through Friday.

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.

COLORADO RESIDENTS

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.

FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE HTTPS://COAG.GOV/OFFICE-SECTIONS/CONSUMER-PROTECTION/CONSUMER-CREDIT-UNIT/COLLECTION-AGENCY-REGULATION/.

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 DAYS UNLESS YOU PROVIDE WRITTEN CONFIRMATION OF THE REQUEST POSTMARKED OR DELIVERED WITHIN SEVEN DAYS OF SUCH REQUEST. YOU MAY TERMINATE THIS REQUEST BY WRITING TO THE CREDITOR.

NEW YORK CITY RESIDENTS

Drew Eckl & Farnham, LLP does not provide language access services.  Consumers may not obtain from Drew Eckl & Farnham, LLP a translation of any communication into a language other than English.  A translation and description of commonly-used debt collection terms is available in multiple languages on the New York City Department of Consumer Affair’s website at www.nyc.gov/dca.

NEW YORK STATE RESIDENTS

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.