Important Rights

This is an attempt to collect a debt. Any information obtained will be used for that purpose. This is a communication from a debt collector.

If you live in California: AR Resources, Inc. California license number: 10165-99

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.

Nonprofit credit counseling services may be available in your area.

If you live in Colorado: 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. Pursuant to Colorado law, calling us will not preserve your rights to obtain verification of the debt or the original creditor’s name and address as set forth in the first letter we sent to you regarding a debt, as such rights are only preserved by making a written request within the timeframe as described on that first letter.

FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE WWW.COLOROADOATTORNEYGENERAL.GOV/CA

If you live in Maryland: This agency is licensed in Maryland, License number 1634686. You may access the following link to review additional license information: https://nmlsconsumeraccess.org/

If you live in Minnesota: This collection agency is licensed by the Minnesota Department of Commerce.

If you live in New York:

We are required by regulation of the New York State Department of Financial Services to notify you of the following information. This information is NOT legal advice. 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:

1. the use or threat of violence;
2. use of obscene or profane language; and
3. 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.

If you live in New York City: This collection agency is licensed by the Department of Consumer Affairs of the City of New York, License #2048218.

AR Resources, Inc. conducts its business in English. All communications are in English with the following exception: Spanish-speaking agents may be available by phone. Written communications may be available in Spanish. A translation and description of commonly used debt collection terms is available in multiple languages at www.nyc.gov/dca.

If you live in Tennessee : This collection agency is licensed by the Tennessee Collection Service Board of the Department of Commerce and Insurance.

If you live in West Virginia: 

The activities of collection agencies in West Virginia are regulated by the Attorney General`s Consumer Protection Division, 812 Quarrier St., Charleston, WV 25301. Federal law prohibits agencies from contacting you about your debt if you send a letter requesting that all contacts stop.

If you live in Wisconsin:

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

If you live in Florida, AR Resources, Inc., D/B/A, Accounts Receivable Resources, Inc.

Refunds are available on a case-by-case basis.