Licensing
REQUIRED DISCLOSURES AND LICENSING
California Residents: License Number: 10426-99. 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 http://www.ftc.gov
Colorado Residents: License Number: CAR-1000361. 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. Toll free number: 1-866-311-9584 Local Colorado Office: 27 North Willerup, Suite B, Montrose, Colorado, 81401. (970) 249-7514. FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE HTTPS://COAG.GOV/OFFICE-SECTIONS/CONSUMER-PROTECTION/CONSUMER-CREDIT-UNIT/COLLECTION-AGENCY-REGULATION/. Colorado law prohibits credit bureaus from reporting medical debt or factoring medical debt into a credit score unless the consumer report is to be used in connection with a credit transaction that involves, or that may reasonably be expected to involve, a principal amount that exceeds the national conforming loan limit value for a one-unit property as determined by the federal housing finance authority.
Maine Residents: License Number: DCL14510. Office Hours: Monday through Friday 9am to 6pm CT. Toll-Free number: 1-866-311-9584
Minnesota Residents: License Number: 40474598. This collection agency is licensed by the Minnesota Department of Commerce.
Nevada Residents: Nevada FID Collection Agency License Number: FCA10695, Nevada Collection Agency Manager ID: CM12384, Nevada Collection Agency Manager NMLS ID: 2377350
New York Residents: New York City Department of Consumer Affairs License Number: 2039729-DCA. 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) 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. 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. A translation and description of commonly-used debt collection terms is available in multiple languages on the Department of Consumer Affairs website: http://www.nyc.gov/dca. Loan Science offers English and Spanish language services via telephone. Written communication from Loan Science is only offered using the English language. A consumer may request that a communication or letter be provided in a format that can be reasonably accommodated, including larger fonts or other means. A consumer may contact Loan Science at 1-866-311-9584 to make this request.
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) 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. 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. A translation and description of commonly-used debt collection terms is available in multiple languages on the Department of Consumer Affairs website: http://www.nyc.gov/dca. Loan Science offers English and Spanish language services via telephone. Written communication from Loan Science is only offered using the English language. A consumer may request that a communication or letter be provided in a format that can be reasonably accommodated, including larger fonts or other means. A consumer may contact Loan Science at 1-866-311-9584 to make this request.
North Carolina Residents: Company Number: 119506613
Tennessee Residents: License Number: 2009 Licensed by the Collection Service Board of the Department of Commerce and Insurance.