IMPORTANT STATE DISCLOSURES

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.

Payments: If you submit your payment via personal check, we will electronically convert it into an electronic funds transfer (EFT). The amount of your payment will be electronically debited from your account.

California: 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."

The law limits how long you can be sued on a debt. If you do not pay the debt, the creditor may/may continue to report it to the credit reporting agencies as unpaid for as long as the law permits this reporting

"You may request records showing the following: (1) that Second Round, LP 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: Second Round, LP, P.O. Box 41955, Austin, TX 78704."

Colorado: FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE WWW.COAG.GOV/CAR *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. Local Colorado Office: Colorado Manager, Inc., 80 Garden Center, Ste. 3, Building B, Broomfield, CO 80020; 303-920-4763

Illinois: In accordance with Federal Law, you have the right to inspect your credit rating.

Massachusetts: WE ARE REQUIRED BY REGULATION OF THE MASSACHUSETTS ATTORNEY GENERAL TO NOTIFY YOU OF THE FOLLOWING INFORMATION. THIS INFORMATION IS NOT LEGAL ADVICE: THIS DEBT MAY BE TOO OLD FOR YOU TO BE SUED ON IT IN COURT. IF IT IS TOO OLD, YOU CANNOT BE REQUIRED TO PAY IT THROUGH A LAWSUIT. TAKE NOTE: YOU CAN RENEW THE DEBT AND THE STATUTE OF LIMITATIONS FOR THE FILING OF A LAWSUIT AGAINST YOU IF YOU DO ANY OF THE FOLLOWING: MAKE ANY PAYMENT ON THE DEBT; SIGN A PAPER IN WHICH YOU ADMIT THAT YOU OWE THE DEBT OR IN WHICH YOU MAKE A NEW PROMISE TO PAY; SIGN A PAPER IN WHICH YOU GIVE UP OR WAIVE YOUR RIGHT TO STOP THE CREDITOR FROM SUING YOU IN COURT TO COLLECT THE DEBT. WHILE THIS DEBT MAY NOT BE ENFORCEABLE THROUGH A LAWSUIT, IT MAY STILL AFFECT YOUR ABILITY TO OBTAIN CREDIT OR AFFECT YOUR CREDIT SCORE OR RATING

Minnesota: This collection Agency is licensed by the Minnesota Department of Commerce.

New Mexico: We are required by New Mexico Attorney General Rule to notify you of the following information. This information is not legal advice: This debt may be too old for you to be sued on it in court. If it is too old, you can’t be required to pay it through a lawsuit. You can renew the debt and start the time for the filing of a lawsuit against you to collect the debt if you do any of the following: make any payment of the debt; sign a paper in which you admit that you owe the debt or in which you make a new promise to pay; sign a paper in which you give up (“waive") your right to stop the debt collector from suing you in court to collect the debt

New York: We are authorized by the city of New York Dept. Of Consumer Affairs: lic # 1365096. 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: the use or threat of violence, obscene or profane language, and 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; 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, and Ninety percent of your wages or salary earned in the last sixty days.

Translation and Description of commonly-used collection terms is available in multiple languages on the DCA website: https://www1.nyc.gov/site/dca/consumers/Glossary-of-Common-Debt-Collection-Terms.page

North Carolina: We are licensed by the North Carolina Department of Insurance, Permit #107012.

Oregon: NMLS ID #998772

Tennessee: We are licensed by the Collection Service Board of the Dept. of Commerce and Insurance.

Utah: 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.

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

Taxes: Second Round, LP and its creditor clients are required to file a form 1099C with the Internal Revenue Service for any cancelled debt with a stated principal of $600 or more on their accounts. Please consult your tax advisor concerning other reportable circumstances outlined by the IRS or any tax questions or concerns.