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 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

  CALIFORNIA: You may request records showing the following: (1) that Velocity Investments, LLC 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: Velocity Investments, LLC  1800 Route 34 Bldg. 3, Suite 305 Wall NJ. 07719-0788 or  info @velocityrecoveries.com

 Our Privacy Notice for California Residents is set forth on our web site, www.velocityrecoveries.com . If you have any questions or comments about how your personal information is handled, please do not hesitate to contact our offices by calling us at 800-558-4027 and/or by emailing us at: info@velocityrecoveries.com

 CALIFORNIA: California License Number: 10229-99

 COLORADO: FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE HTTPS://COAG.GOV/OFFICE-SECTIONS/CONSUMER-PROTECTION/CONSUMER-CREDIT UNIT/COLLECTION-AGENCY-REGULATION/. 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 collection agency from taking any other action authorized by law to collect the debt.

COLORADO LAW PROHIBITS CREDIT BUREAUS FROM REPORTING MEDICAL DEBT OR FACTORING MEDICAL DEBT INTO A CREDIT SCORE UNLESS THE CONSUMER REPORT IS TO BE USED IN CONNECTION WITH A CREDIT TRANSACTION THAT INVOLVES, OR THAT MAY REASONABLY BE EXPECTED TO INVOLVE, A PRINCIPAL AMOUNT THAT EXCEEDS THE NATIONAL CONFORMING LOAN LIMIT VALUE FOR A ONE-UNIT PROPERTY AS DETERMINED BY THE FEDERAL HOUSING FINANCE AUTHORITY. 

 Velocity Investments, LLC’s Colorado office is located at Colorado Manager, Inc., 8690 Wolff Court, Suite 110, Westminster, CO 80031 and has a phone number of 303-920-4763.

 DISTRICT OF COLUMBIA: If your debt has not been reduced to a judgment by a court, you have the right to request the following information concerning your debt:

(1) The name of the original creditor, and the name of any other owners of your debt, including the current owner;

(2) Your last account number with the original creditor;

(3) A copy of the signed contract, signed application, or other documents which show your obligations;

(4) The date that your debt was incurred;

(5) The date of your last payment, if applicable; and

(6) An itemized accounting of the alleged debt, including the amount of any principal, interest, fees, or charges, and whether the charges were imposed by the original creditor, a debt collector, or other owner of the debt.

 For credit card or revolving credit accounts, the itemized accounting is measured from the charge-off balance.

If your debt has been reduced to a judgment by a court, you have a right to a copy of the judgment, documentation establishing that the debt collector is the owner of the judgment, and an itemized accounting of the current balance due on the judgment.

 You may request the above information by contacting us by phone, mail, or email, at the following:

Address: 1800 Route 34 Bldg. 3, Suite 305 Wall NJ. 07719-0788

Phone: 800-558-4027

E-mail Address: info @velocityrecoveries.com

 You might have income or resources that are protected from being taken by debt collectors. These might include certain sources of income, funds, or property, including, but not limited to, Social Security, Supplemental Security Income (SSI), disability or unemployment benefits, veteran's benefits, or child support payments. If you believe your property or income may be protected, you may wish to seek legal advice, including at a legal services provider or legal aid office, before paying this debt.

MASSACHUSETTS: 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 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 CREDITOR.

 MINNESOTA: This collection agency is licensed by the Minnesota Department of Commerce.

There are resources available to help manage your debt. Please see the link below for the “CREDIT COUNSELING SERVICES TO DEBTORS RESOURCE LIST,” which includes the contact information for nonprofit organizations domiciled in Minnesota that provide credit counseling services to debtors. Credit counseling services include but are not limited to (1) helping debtors understand their rights and responsibilities, and (2) working with debtors, creditors, and collection agencies to satisfy debts. Click here for more information.

NEVADA:

NFID License # for Compliance Manager CM12591

NFID License # for Collection Agency CAD11639

NEW YORK RESIDENTS ONLY:

You may request this letter in an alternative, reasonably accommodatable format, such as large-print format or another accommodative format, which we will select based on your needs. To request this letter in an alternative, reasonably accommodative format, please call us at: 800-558-4027.

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:

i. the use or threat of violence;

ii. the use of obscene or profane language; and

iii. 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 RESIDENTS ONLY: Velocity Investments, LLC is licensed by the New York City Department of Consumer Affairs, License Numbers: 119963-DCA.

Velocity Investments, LLC conducts its business in English and does not provide language access services or language translation services.  All communications are in English.   For information gathering only, we are required to request your language of preference. If you wish to share your preference, please email us at nypreference@velocityrecoveries.com. A translation and description of commonly- used debt collection terms is available in multiple languages on the NYC Department of Consumer Affairs website, www.nyc.gov/dca.

NORTH CAROLINA: North Carolina Department of Insurance Permit Number 1119504175.

OREGON:

This debt buyer is licensed in Oregon, NMLS # 922827.

RHODE ISLAND: The State of Rhode Island general laws prohibit credit bureaus from reporting medical debt or factoring medical debt into a credit score.

 WASHINGTON:

Last Payment Date: (if known the field will be included)

Original or Redacted Account Number assigned to debt: (if known]

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