State Disclosures

California

Rosenthal Fair Debt Collection Practices Act & Federal FDCPA: We are a debt collector. Any information obtained will be used for that purpose. We comply with the Rosenthal Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act.

Language Access: We may communicate in English unless you request another language we support. A translation and description of commonly-used debt collection terms is available in multiple languages at the California DFPI website.

License (if applicable): Insert CA license/registration info here if required for your agency/type.

Colorado

For consumer concerns in Colorado, you may contact the Colorado Attorney General’s Office, Consumer Protection Section.

Insert the current AG consumer contact URL/phone if you provide it on letters.

Local Contact (if used): If you maintain a Colorado in-state office or agent per your letters, list that contact information here.

Massachusetts

Contact Hours: We will not call you at times or places known to be inconvenient. Under Massachusetts regulations, typical allowed contact hours are generally Monday–Saturday 8 a.m.–9 p.m. and Sunday 1 p.m.–9 p.m. (local time) unless you consent otherwise.

Confirm and align with your compliance policy and vendor dialer schedule.

Minnesota

If you have a complaint or concern about our collection practices, you may contact our compliance team at (214) 326-0872. You may also contact the Minnesota Attorney General’s Office for assistance.

License No.: Insert your MN collection agency license number here, if applicable.

North Carolina

Permit/License: Insert your NC Permit Number and, if required, the permit holder’s name and physical address.

Debt Buyer (if applicable): If Golden Field Capital purchases accounts, include the required NC debt buyer disclosure language here per N.C. Gen. Stat. § 58-70-115.

New York (State & City)

Language Access: We offer language access in English . You may request a translation or a representative who can communicate in the languages we support.

NYC Disclosure: We are required to inform you of your rights under New York City rules. We do not engage in harassing or abusive conduct. You may request certain communications to be in a preferred language that we offer.

Call Recording: Calls may be monitored or recorded for quality and compliance.

NYC License No.: Insert your NYC Department of Consumer and Worker Protection license number (if required).

Nevada

For Nevada residents, certain additional rights and disclosures may apply under Nevada law. If you have questions, please contact us at (214) 326-0872.

If you hold a Nevada license/registration, insert details here.

Utah

Time-Barred Debt Notice: If we inform you that your debt is past the statute of limitations, you are not required to pay it. If you choose to make a payment or a written promise to pay, that may restart the statute of limitations under certain circumstances. Consider obtaining advice about your rights before making a payment on a time-barred account.

Washington

For Washington residents, if we are attempting to collect a claim, we will provide the name and address of the original creditor upon your written request if different from the current creditor. You may also request account validation as provided under federal and state law.

WA License/Registration: Insert the number if applicable to your operations.

Washington, D.C.

Certain additional consumer protections may apply to District residents under local law. If you have questions, please contact us at (214) 326-0872.