CALIFORNIA REQUIRED DISCLOSURE:

"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." Cal. Civ.

Code§ 1812.700(a) (West, WESTLAW through the 2009-10 3rd Ex. Sess.).

MINNESOTA REQUIRED DISCLOSURE:

CREDIT COUNSELING SERVICES TO DEBTORS RESOURCE LIST PURSUANT TO MS §332.365

There are resources available to help manage your debt. The following Minnesota organizations offer debt and credit counseling services. The Department of Commerce does not control or guarantee any of the services provided by these organizations. The provision of this list is not a referral to, or endorsement or recommendation of, any organization or the organization's services.

LSS Financial Counseling Service

Multiple Minnesota Locations Phone: 888-577-2227

Family Means Fianancial Solutions

1875 Northwestern Ave South Stillwater, MN 55082

Consumer Credit of Minnesota

5871 Cedar Lake Rd S, #105 St Louis Park, MN 55416

www.lssmn.org/financialcounseling  Phone: 651-439-4840 / 800-327-3203

Phone: 952-544-6800

www.familymeans.org/financial-solutions www.ccofminnesota.org

"This collection agency is licensed by the Minnesota Department of Commerce." Minn. Stat.§ 332.37(21) (West, WESTLAW through 2006 Reg. Sess. Laws through Ch. 173).

https://mn.gov/commerce-stat/pdfs/2023_credit_counseling_all.pdf