State Disclosures

RevNow, LLC does not offer language access services in any language other than English. Consumers with a language preference other than English are encouraged to review a translation and description of commonly-used debt collection terms available on the Department of Consumer and Worker Protection’s website at www.nyc.gov/dca.

Debt collectors are prohibited from engaging in abusive, deceptive, or unfair debt collection efforts. 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 garnished to pay the debt: 

• Supplemental Security Income (SSI) 
• Social Security 
• Public assistance (welfare) 
• Spousal support, maintenance (alimony), or child support 
• Unemployment benefits 
• Disability benefits 
• Workers' compensation benefits 
• Public or private pensions 
• Veterans’ benefits 
• Federal student loans, federal student grants, and federal work-study funds 
• Ninety percent (90%) of your wages or salary earned in the last sixty (60) days 

If you do not make a payment for 12 months, you may request a written status notice regarding your account. 

 The 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., or at work if they know or have reason to know you may not receive personal calls at work.

You may request:
1. Proof of ownership or authorization to collect
2. Itemized accounting of charges and fees
3. Copy of your contract or agreement  

 A consumer has the right to request in writing that a debt collector cease further communication. You may contact our in-state office at:

Colorado Manager, Inc.
8690 Wolff Court, Suite 110, Westminster, CO 80031
Phone: (303) 920-4768

More information at: https://coag.gov/office-sections/consumer-protection/consumer-credit-unit/collection-agency-regulation/ 

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 is valid for 10 days unless you provide written confirmation within 7 days. You may terminate this request in writing at any time. 

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

 This collection agency is licensed by the North Carolina Department of Insurance. 

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

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

You have the right to request:
The original account number or the redacted last four digits
Verification of the debt
Original creditor’s name and address  

 If you are a debtor in bankruptcy or have received a discharge, this letter is not an attempt to collect a debt. It is provided for informational purposes only.