Updated: September 2020.

IMPORTANT CONSUMER RIGHTS AND DISCLOSURES

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

Todd, Bremer & Lawson, Inc. may contact you regarding any account at the e-Mail address or any future telephone number that is provided to BillingTree including your wireless mobile device using automated telephone dialing equipment or artificial or pre-recorded voice or text messages.

We are required under state law to notify consumers of the following rights. This list does not contain a complete list of the rights consumers have under state and federal law.

FOR 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.

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. But we will not submit a negative credit report to a credit reporting agency about this credit obligation until the expiration of the time period described on the front of this letter.

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.

FOR COLORADO RESIDENTS:

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

Todd, Bremer & Lawson, Inc., P.O. Box 36788, Rock Hill, SC 29732, 877-427-6544 Toll Free Number

Todd, Bremer & Lawson, Inc.’s Colorado office is located at 27 North Willerup, Suite B, Montrose, CO 81401, Phone Number 970-249-7514

FOR CONNECTICUT RESIDENTS:

For Debts Beyond the Statute of Limitations – in the initial communication (Not past date for obsolescence-under 7 years from DOD): The law limits how long you can be sued on a debt. Because of the age of your debt, Todd, Bremer & Lawson, Inc. and/or creditor(s) will not sue you for it. If you do not pay the debt, Todd, Bremer & Lawson, Inc. and/or creditor(s) may report or continue to report it to the credit reporting agencies as unpaid.

The law limits how long you can be sued on a debt. Because of the age of your debt, Todd, Bremer & Lawson, Inc. and/or creditor(s) will not sue you for it and Todd, Bremer & Lawson, Inc. and/or creditor(s) will not report it to any credit reporting agencies.

FOR MAINE RESIDENTS:

Hours of operation are 8:00 a.m. – 5:00 p.m. EST Monday - Thursday and 8:00 a.m. – 4:00 p.m. EST Friday (except holidays). 877-427-6544

FOR MINNESOTA RESIDENTS:

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

FOR NEW YORK 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:

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.

New York City Department of Consumer Affairs License Number: 1354742

Buffalo License Number: 561648

Yonkers License Number: 9151

New York City Residents:

Please be advised that Todd, Bremer & Lawson, Inc. does not provide language access services; however, we do have Spanish speaking employees who can speak to you in Spanish. A translation and description of commonly-used debt collection terms are available in multiple languages on the New York City Department of Consumer Affairs’ (“NYC DCA”) website, www.nyc.gov/dca.

FOR NORTH CAROLINA RESIDENTS:

North Carolina Department of Insurance Permit #747. Todd, Bremer & Lawson, Inc.’s physical address is 560 South Herlong Avenue, Rock Hill, South Carolina 29732.

FOR TENNESSEE RESIDENTS:

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

FOR TEXAS RESIDENTS:

Todd, Bremer & Lawson, Inc.’s physical address is 560 S Herlong Ave, Rock Hill, South Carolina 29732. 877-427-6544

FFOR UTAH RESIDENTS:

As required by Utah 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. We will not submit a negative credit report to a credit reporting agency about this credit obligation until the expiration of the time period described on the front of this letter.

As required by Utah 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.

FOR WASHINGTON RESIDENTS:

Todd, Bremer & Lawson, Inc.’s physical address is 560 S Herlong Ave, Rock Hill, South Carolina 29732.

FOR WEST VIRGINIA RESIDENTS:

The law limits how long you can be sued on a debt. Because of the age of your debt, Todd, Bremer & Lawson, Inc. and/or creditor(s) cannot sue you for it. If you do not pay the debt, Todd, Bremer & Lawson, Inc. and/or creditor(s) may report or continue to report it to the credit reporting agencies as unpaid.

The law limits how long you can be sued on a debt. Because of the age of your debt, Todd, Bremer & Lawson, Inc. and/or creditor(s) cannot sue you for it and Todd, Bremer & Lawson, Inc. and/or creditor(s) cannot report it to any credit reporting agencies.

FOR WISCONSIN RESIDENTS:

This collection agency is licensed by the Division of Banking in the Wisconsin Department of Financial Institutions, www.wdfi.org.