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YOUR RIGHTS AS A DEBTOR:
You have certain legal rights as a Debtor. In accordance with the Federal Fair Debt Collection Practices Act and the California Rosenthal Fair Debt Collection Practices Act, we have posted the following for your review.
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This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose.
Unless you notify our offices in writing within thirty (30) days of receipt of our initial contact with you that you are disputing the validity of the debt that you owe, or any portion thereof, we will assume that the debt as described to you through our correspondence with you is valid and enforceable.
If you notify our offices in writing within (30) days of our initial contact with you that you dispute the validity of the debt described against you, or any portion thereof, we will obtain verification of the debt or obtain a copy of the debt in question and mail it to you. If you request of our offices in writing within thirty (30) days of receiving our first written correspondence with you, we will provide you with the name and address of the Original Creditor, if different from the current creditor.
Any correspondence with you will be developed in an attempt to collect a debt against you, and any information obtained, from you or any other source, will be used solely for that purpose.
Should you wish not to be contacted by our offices regarding this matter, please inform us of this in writing and any further action we may decide to take in the matter against you will be without further communication with you, unless required by law to do so.
Send all correspondence to us at the following address:
Curtis McIntosh
1765 Garnet Avenue #45
San Diego, California 92109
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.
• Click here to read the entire text of the Fair Debt Collection Practices Act.
• Click here to read the entire text of the Fair Credit Reporting Act.
• Click here to read the entire text of the California Rosenthal Fair Debt Collection Practices Act
• Click here to read Federal Trade Commission brochure regarding Fair Debt Collection.