Consumer SolutionsU.S. Departmentof Education

We are required under some state laws to notify consumers of certain rights as detailed below.
This list does not contain a complete list of the rights consumers have under State and Federal Law.

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 8:00 a.m. or after 9:00 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

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. Colorado Address: 700 17th Street, Suite 200, Denver, Colorado 80202, 1-866-436-4766

MASSCHUSETTS
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 (10) days, unless you provide written confirmation of the request postmarked or delivered within seven (7) days of such request. You may terminate this request by writing to the debt collector.

MINNESOTA
This Collection Agency is licensed by the Minnesota Department of Commerce.

NEW YORK
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. This information does not contain a complete list of the rights consumers have under State and federal law.

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; the use of 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:

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.

The foregoing does not mean or suggest that any effort to obtain a money judgment against you is either pending or being considered.

NEW YORK CITY
New York City Department of Consumer Affairs License Number: 2003808-DCA, 2004667-DCA, 2003123-DCA,

NORTH CAROLINA
North Carolina Company Numbers:: 119502984, 119507636, 119504014, 119504012,

TENNESSEE
This Collection Agency is licensed by the Collection Service Board of the Department of Commerce and Insurance.

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

• Hours of Operation
  Monday – Thursday 8:00am – 9:00pm
  Friday 8:00am – 5:00pm
  Saturday 8:00am – 12:00pm

• Location Addresses
  Windham Professionals, Inc.
  384 Main Street
  Salem, NH 03079
  1-800-394-4300

Windham Professionals, Inc.
17-17 NJ-208 #340
Fair Lawn, NJ 07410
1-800-394-4300

Windham Professionals, Inc.
700 Turner Industrial Way, Suite 160
Aston, PA 19014
1-800-394-4300

• Windham Professionals, Inc.
  3320 W Sahara Road, Suite 200
  Las Vegas, NV 89102
  1-888-318-0017