Personal and Confidential: Regarding Your Account

[reco...@payoffclaim.com]

This communication is confidential and may contain privileged information.  If you are not the intended recipient you must not use, disclose, copy or retain it.  If you have received it in error please immediately notify us by return email and delete the email.

Dear Johnothan Thompson,

RE: Account Number 6417884

We are contacting you regarding your collections account with JDM Advisors DBA Hillsborough Snap Fitness  Our records still indicate that we have not received a reply to our previous email nor payment from you to clear your account.

In order to resolve this matter and prevent further collection efforts with our Attorney network you need to make full payment or payment arrangements on this account. Please contact FEDChex Recovery at 800-979-8917.

Our client values your business and we thank you in advance for helping to resolve this matter.

This is an attempt to collect a debt and any information obtained will be used for that purpose.

Thank you,

FEDChex Recovery

800-979-8917

The following states requires additional notification.
California

As required by law: You are herby 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.
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.ftp.gov

La ley al nivel estatal, Rosental Fair Debt Collection Practices Act y la ley al nivel federal, Fair Debt Collection Practices Act requiere que, excepto en circumstancias extranas, la agencia de colectiones no puede aser llamadas al cliente enter las horas de 8 de la manana y 9 de la noche.  El agente de colecion no puede aser amenasas de cualquier tipo o, usar malas palabras o, bulgaridades, o amenasas de arrestos.  El agente de coleciones no puede enganar o, usar declaraciones falsas. No se le puede llamar a su lugar de trabajo si exsiste el conosimiento de que no puede recibir  llamadas personales. Por lo regular, el agente no puede revelar informacion de su deuda a personas, unicamente si se trata de un conyugue o abogado.  El agente puede hablar con otras persona con el proposito de obtener informacion sobre su padeser. Oh imponer un juicio sobre usted el cliente. Para mas informacion sobre actividades de colecion favor de llamar al Federal Trade Commission al 1-877-FTC-HELP o a la pagina www.ftp.gov.

 

 

Colorado
Colorado Manager, Inc., 80 Garden Center, Suite 3, Broomfield, CO 80020 (303) 920-4763, www.coloradoattorneygeneral.gov/ca. 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. Colo. Rev. Stat. Ann. � 12-14-105(3)(e) (West, WESTLAW through H.B. 1240, 66th Gen. Assembly, 2nd Reg. Sess. (Colo. 2008)). For information about the Colorado Fair Debt Collection Practices Act, see WWW.COAG.GOV/CAR.

 

Kansas
An investigative consumer report, which includes information as to your character, general reputation, personal characteristics and mode of living, has been requested. You have the right to request additional information, which includes the nature and scope of the investigation.

 

Maine.
Collection agency's phone number: 800-979-8917. Collection agency's hours of operation: Monday- Friday 8:00am-5:00pm PST

 

Massachusetts
Collection agency's hours of operation: Monday- Friday 8:00am-5:00pm PST
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 THE REQUEST BY WRITING TO THIS AGENCY.

 

 

New Mexico
We are required by New Mexico Attorney General Rule to notify you of the following information. This information is not legal advice: The debt may be too old for you to be sued on 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 item for 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.

Es requerido por la regal del  Procurador General que le notifiquemos la siguiente informacion. Esta informacion no es un consego legal: La deuda en si puede que este muy a�ejada y no se le pueda presentar una demanda contra usted.  Si en efecto esta muy a�ejada la deuda, no es requerido que se paga la deuda por una demanda.  La deuda se puede renovar y iniciar demandas contra usted  y coleciones contra usted por la deuda si hase uno de lo siguiente: haser algun tipo de pago sobre la deuda, firmar algun papel en donde admite que usted debe la deuda o donde ase una nueva promesa para pagar la deuda; firmar algun papel en cual sede sus derechos en cual la agencia de colecion puede presenter una demanda contra usted sobre la deuda.

 

New York

This collection agency is licensed in New York City, License Number: 1470215

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: a) the use or threat of violence; b) the use of obscene or profane language; and c) 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.

 

North Carolina
North Carolina Department of Insurance Permit Number: 4009

 

 

Tennessee
This collections agency is licensed by the Collection Service Board, State Department of Commerce and Insurance, James Robertson Parkway, Nashville, Tennessee 37243.