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

State Disclosure Statements

First National Collection Bureau, Inc. (FNCB, Inc.)

FNCB, Inc. Disclosures – Revised September 2, 2021

FOR CALIFORNIA RESIDENTS

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 8:00 a.m. or after 9:00 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 judgement. 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: 50 W. Liberty Street Suite 250 Reno, NV 89501.

FOR COLORADO RESIDENTS

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 collector or collection agency from taking any other action authorized by law to collect the debt. Our Colorado office is at:
7200 S. Alton Way,
Suite B180
Centennial, CO 80112
(303) 309-3839

FOR DISTRICT OF COLOMBIA RESIDENTS

You have the right to request all of the following concerning your debt:

1. Documentation of the name of the original creditor as well as the name of the current creditor or owner of your debt;
2. Your last account number with the original creditor;
3. A copy of the signed contract, signed application, or other documents providing evidence of your liability and its terms;
4. The date that your debt was incurred;
5. The date of your last payment, if applicable; and
6. An itemized accounting of the amount claimed to be owed including the amount of the principal, the amount of any interest, fees, or charges, and whether the charges were imposed by the original creditor, a debt collector, or a subsequent owner of the debt. You may request the above information by contacting us by phone or mail,

at the following:

50 W. Liberty Street Suite 250
Reno, NV 89501
(800) 824-6191

FOR MINNESOTA RESIDENTS

This Collection Agency is licensed by the Minnesota Department of Commerce.

FOR NEW YORK RESIDENTS

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; (iii) 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 Department of Consumer Affairs license number: 2083488-DCA

New York City Consumers: First National Collection Bureau, Inc. does not provide language access services. A translation and description of commonly used debt collection terms is available in multiple languages at www.nyc.gov/dcwp

FOR NORTH CAROLINA RESIDENTS

North Carolina Permit Number:4105

FOR TENNESSEE RESIDENTS

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