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We are a different kind of collection agency.

Disclosures

California:

“The state Rosenthal Fair Debt Collection Practices Act and the Federal Debt Collection Practices Act requires 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 a 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 our 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.”

“You may request records showing the following: (1) that the current creditor to whom the debt is owed has the right to seek collection of the debt; (2) the debt balance, including an explanation of any interest charges and additional fees; (3) the date of default or the date of the last payment; (4) the name of the charge-off creditor and the account number associated with the debt; (5) the name and last known address of the debtor as it appeared in the charge-off creditor’s or debt buyer’s records prior to the sale of the debt, as appropriate; and (6) the names of all persons or entities that have purchased the debt. You may also request from us a copy of the contract or other document evidencing your agreement to the debt. A request for these records may be addressed to: ATG CREDIT, LLC, PO BOX 14895, CHICAGO, IL 60614-4895.”

Colorado:

The following is required by Colorado law; it does not contain a complete list of consumer rights under state and federal law. 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. FOR MORE INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE WWW.COAG.GOV/CAR

Our local address is 13821 Murfield Circle, Broomfield, CO 80023.  The office telephone is (866) 784-6258.

Massachusetts:

You may contact our office at (866) 784-6258 between the hours of 8:00 a.m. and 8:00 p.m. CST Monday through Thursday and 8:00 a.m. and 5:00 p.m. CST Friday, 8:00 a.m. to 2:00 p.m. Saturday.

“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 days unless you provide written confirmation of the request postmarked or delivered within seven 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:

New York City Department of Consumer Affairs License Number: 1281655

If you have any questions or wish to discuss your account or payment options, you may contact our office at (866) 784-6258.

“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.”

New York City:

Please note that ATG Credit does not provide translation of any communication created or made in English into another language. ATG Credit does have customer service representatives who converse with consumers in Spanish. If your language preference is not English, please call us at 800-9694523 to provide us with your preferred language.

A translation and description of commonly-used debt collection terms is available in multiple languages on the Department’s website, www.nyc.gov/dca.

North Carolina:

North Carolina Permit Number: 4503

Tennessee:

This collection agency is licensed by the Collection Service Board of the Department of Commerce and Insurance.

Utah:

“As required by Utah law, you are hereby 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.”

Wisconsin:

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