State
Disclosures

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.

You may request records showing the following: (1) that the account owner has the right to seek collection of the debt; (2) the debt balance, including an explanation of any interest charges and additional fees; (3) the date of default or the date of the last payment; (4) the name of the charge-off creditor and the account number associated with the debt; (5) the name and last known address of the debtor as it appeared in the charge-off creditor's or debt buyer's records prior to the sale of the debt, as appropriate; and (6) the names of all persons or entities that have purchased the debt. You may also request from us a copy of the contract or other document evidencing your agreement to the debt. A request for these records may be addressed to: P.O. Box 844506 Boston, MA 02284-4506 or compliance@solventplus.com.

California License No. 11484-99

FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE HTTPS://COAG.GOV/OFFICE-SELECTIONS/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. Our Colorado Office is located at 1900 Littleton Boulevard, Littleton, CO 80120. The phone number is (303) 860-7052.

If your debt has not been reduced to a judgment by a court, you have the right to request the following information concerning your debt:
(1) The name of the original creditor, and the name of any other owners of your debt, including the current owner;
(2) Your last account number with the original creditor;
(3) A copy of the signed contract, application, or other documents which show your obligations; (4) The date your debt was incurred;
(5) The date of your last payment, if applicable; and
(6) An itemized accounting of the alleged debt, including the amount of any principal interest, fees, or charges, and whether the charges were imposed by the original creditor, a debt collector, or other owner of the debt. For credit card or revolving credit accounts, the itemized accounting is measured from the charge-off balance.
If your debt has been reduced to a judgment by a court, you have a right to a copy of the judgment, documentation establishing that the debt collector is the owner of the judgment, and an itemized accounting of the current balance due on the judgment.
You may request the above information by contacting us by phone, mail, or email at the following:

Phone: 1-888-266-3998
Mailing Address:  P.O. Box 844506 Boston, MA 02284-4506
Email: compliance@solventplus.com

Maryland NMLS #2609992. Please visit https://www.nmlsconsumeraccess.org/ for more information.

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 debt collector.

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

There are resources available to help manage your debt. The following Minnesota organizations offer debt and credit counseling services.

LSS Financial Counseling Service
424 West Superior Street, Suite 600
Duluth, MN 55802
Phone: 888-577-2227

Family Means Financial Solutions
1875 Northwestern Avenue South
Stillwater, MN 55082
Phone: 651-439-4840 | 800-327-3203

Consumer Credit of Minnesota
5871 Cedar Lake Rd S, #105
St. Louis Park, MN 55416
Phone: 952-544-6800

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 last 60 days. 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) use of obscene or profane language; and (iii) repeated phone calls made with the intent to annoy, abuse or harass. Upon request, Solvent Plus, LLC can provide communications in large print. To request this, you may contact our office at 1-888-266-3998.

New York City Department of Consumer Affairs License Number: Solvent Plus, LLC 7340866. Contact David Wells at Solvent Plus LLC at 1-888-266-3998. We offer Spanish services upon request. For a translation and description of commonly used debt collection terms in a consumer’s preferred language, you may visit the NYC Department of Consumer and Worker Protection website at www.nyc.gov/dca.

New York City Department of Consumer Affairs License Number: 2122141-DCWP

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The New York Department of Consumer Affairs requires us to ask you for your language preference for reporting purposes. Please provide us with your preferred language by sending an email to compliance@solventplus.com. At this time, Solvent Plus, LLC does not provide language access or translation services for any language other than English. Translations and descriptions of commonly-used debt collection terms are available in multiple languages here.

Company Number 522726836. Solvent Plus, LLC. 1903 Lancing Crest Ln. Chesapeake, VA 23323.

 NMLS# 2609992

South Dakota Division of Banking change of address: If there are any improprieties in the servicing of this loan, please contact the SD Division of Banking: South Dakota Division of Banking 1714 Lincoln Ave, Suite 2, Pierre, SD 57501 (605) 773-3421

Solvent Plus, LLC is licensed by the Collection Service Board of the Department of Commerce and Insurance.