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.
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.
The State Rosenthal Fair Debt Collection Practices Act state 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 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 lawyer or spouse, about your debt. Collectors may not contact another person to confirm your
location or enforce a judgment. For more information about debt collection activities, you can 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
Special Text for Purchased Debts Regarding Records Requests and Debts Beyond the Statute of Limitations
(1) A debt buyer shall include with its first written communication with the debtor in no smaller than 12–point type, a separate prominent notice that provides:
"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."
(2) When collecting on a time-barred debt where the debt is not past the date for obsolescence provided for in Section 605(a) of the federal Fair Credit Reporting Act (15 U.S.C. Sec. 1681c):
"The law limits how ong you can be sued on a debt. Because of the age of your debt, we will not sue you for it. If you do not pay the debt, Second Round, LP may [continue to] report it to the credit reporting agencies as unpaid for as long as the law permits this reporting."
(3) When collecting on a time-barred debt where the debt is past the date for obsolescence provided for in Section 605(a) of the federal Fair Credit Reporting Act (15 U.S.C. Sec. 1681c):
"The law limits how long you can be sued on a debt. Because of the age of your debt, we will not sue you for it, and we will not report it to any credit reporting agency."
S.B. 233 (CA) to be codified at Cal. Civ. Code § 1788.52(d)(1)-(3) (West, Westlaw current with the 2013 Reg. Sess.).
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
In accordance with Federal Law, you have the right to inspect your credit rating.
This collection Agency is licensed by the Minnesota Department of Commerce.
"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."
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.
We are licensed by the North Carolina Department of Insurance, Permit #107012.
We are licensed by the Collection Service Board of the Dept. of Commerce and Insurance.
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.
Second Round is required to file a form 1099C with the Internal Revenue Service for any cancelled, stated principal of $600 or more.
Please consult your tax advisor concerning other reportable circumstances outlined by the IRS or any tax questions you may have.