This is a communication from a debt collector. This is an attempt to collect a debt and any
information we obtain we be used for that purpose.
This collection agency is exempt from licensing by the Division of Banking in the Wisconsin
Department of Financial Institutions, http://www.wdfi.org
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 terns of your
Should you need to speak to any of our representatives, please contact us toll free at: (866)757-
This collection agency is licensed by the Collection Service Board, State Department of
Commerce and Insurance.
NORTH CAROLINA RESIDENTS:
North Carolina Department of Insurance, permit numbers: 1073526, 103271.
NEW YORK STATE RESIDENTS:
We are required by regulation of the New York State Department of Financial Services to notify
you of the following information. This information is NOT legal advice. 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
(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. Supplementary 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 RESIDENTS:
New York City Department of Consumer Affairs, license number 1292105, 1292103.
SAGE Capital Recovery contact: David Huber, Esquire – Mon – Fri 8:00 AM – 5:00 PM ET
This collection agency is licensed by the Minnesota Department of Commerce.
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 debt collector.
Our agency’s physical address in Massachusetts is: 84 State Street Boston, MA 02109. Should
you need to speak to any of our representatives, please contact us toll free at: (866)757-7243.
Our hours of business are Monday through Friday, 9:00 AM to 5:00 PM Eastern.
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 HTTP://WWW.COAG.GOV/CAR.
For Colorado residents only, our local office address is: 80 GARDEN CTR STE BLDG B,
STE 3 BROOMFIELD, CO 80020
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.