State Disclosures
And NMLS Licensing
Rash Curtis & Associates
Rash Curtis & Associates
If your debt is past the statute of limitations, you are hereby notified of the following
important consumer information:
The law limits how long you can be sued on a debt. Because of the age of this debt we will
not sue you for it. In many circumstances you can renew the debt and start the time period
over for filing a lawsuit to recover this debt if you take specific action such as making a
payment, or a written promise to pay. You should determine the effect of any action you take
with respect to this debt.
IF YOU LIVE IN CALIFORNIA THIS APPLIES TO YOU:
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.
“La Ley estatal de prácticas justas de cobro de deudas de Rosenthal y la Ley federal de prácticas justas de cobro de deudas requieren que,
excepto en circunstancias inusuales, los cobradores no puedan comunicarse con usted antes de las 8 a.m. o después de las 9 p.m. No pueden
hostigarlo con amenazas de violencia o arresto o con lenguaje obsceno. Los cobradores no pueden usar declaraciones falsas o engañosas ni
llamarlo al trabajo si saben o tienen motivos para saber que es posible que no reciba llamadas personales en el trabajo. En su mayor parte,
los cobradores no pueden decirle a otra persona, que no sea su abogado o su cónyuge, acerca de su deuda. Los cobradores pueden contactar
a otra persona para confirmar su ubicación o hacer cumplir una sentencia. Para obtener más información sobre las actividades de cobro de
deudas, puede comunicarse con la Comisión Federal de Comercio al 1-877-FTC-HELP o www.ftc.gov.”
As required by 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.
If within the 30-day validation period: “As required by 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. We will not submit a negative credit report to a credit reporting agency about this credit obligation until the expiration of the time period described in this letter.”
If after the 30-day validation period: “As required by 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.”
Medical Accounts Only:
Nonprofit credit counseling services may be available in the area.
If your debt is past the statute of limitations, you are hereby notified of the following important consumer information:
Debt is not past the date for obsolescence set forth in Section 605(a) of the federal Fair Credit Reporting Act (15 U.S.C. Sec 1681c):
The law limits how long you can be sued on a debt. Because of the age of your debt, we will not sue you for it. If you do not pay the debt, Rash Curtis & Associates may report it to the credit reporting agencies as unpaid for as long as the law permits this reporting.”
Debt is past the date for obsolescence provided for in Section 605(a) of the Fair Credit Reporting Act, 15 U.S.C. 1681c:
The law limits how long you can be sued on a debt. Because of the age of your debt, we will not sue you for it, and we will not report it to any credit reporting agency.
IF YOU LIVE IN ILLINOIS, CITY OF CHICAGO THIS APPLIES TO YOU:
This is a communication from a debt collector. This is an attempt to collect a debt. Any information obtained will be used for that purpose.
This Collection Agency is licensed by the City of Chicago: License No. 2256513
If your debt is past the statute of limitations, you are hereby notified of the following important consumer information:
The law limits how long you can be sued on a debt. Because of the age of this debt we will not sue you for it. In many
circumstances you can renew the debt and start the time period over for filing a lawsuit to recover this debt if you take specific
action such as making a payment, or a written promise to pay. You should determine the effect of any action you take with
respect to this debt.
IF YOU LIVE IN CONNECTICUT THIS APPLIES TO YOU:
This is a communication from a debt collector. This is an attempt to collect a debt. Any information obtained will be used for that purpose.
If your debt is past the statute of limitations, you are hereby notified of the following important consumer information:
The law limits how long you can be sued on a debt. Because of the age of this debt we will not sue you for it. In many
circumstances you can renew the debt and start the time period over for filing a lawsuit to recover this debt if you take specific
action such as making a payment, or a written promise to pay. You should determine the effect of any action you take with
respect to this debt.
IF YOU LIVE IN IOWA THIS APPLIES TO YOU:
This is a communication from a debt collector. This is an attempt to collect a debt. Any information obtained will be used for that purpose.
If your debt is past the statute of limitations, you are hereby notified of the following important consumer information:
The law limits how long you can be sued on a debt. Because of the age of this debt we will not sue you for it. In many
circumstances you can renew the debt and start the time period over for filing a lawsuit to recover this debt if you take specific
action such as making a payment, or a written promise to pay. You should determine the effect of any action you take with
respect to this debt.
IF YOU LIVE IN KANSAS THIS APPLIES TO YOU:
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.
If your debt is past the statute of limitations, you are hereby notified of the following important consumer information:
The law limits how long you can be sued on a debt. Because of the age of this debt we will not sue you for it. In many
circumstances you can renew the debt and start the time period over for filing a lawsuit to recover this debt if you take specific
action such as making a payment, or a written promise to pay. You should determine the effect of any action you take with
respect to this debt.
IF YOU LIVE IN YONKERS, NEW YORK THIS APPLIES TO YOU:
Rash Curtis & Associates,
Tel: 1-800-326-7118
This Collection Agency is licensed by the City of Yonkers: License No. 9891
If your debt is past the statute of limitations, you are hereby notified of the following
important consumer information:
Yonkers Consumer Protection Code 31-163(b) at https://ecode360.com/29929460 (see General Ord. No. 16-2014) contains all of your, the consumer’s, legal rights.
IF YOU LIVE IN OREGON THIS APPLIES TO YOU:
Rash Curtis & Associates
8668 W. Spring Mtn. Rd., Ste. 110,
Las Vegas, NV 89117
If your debt is past the statute of limitations, you are hereby notified of the following important consumer information:
The law limits how long you can be sued on a debt. Because of the age of this debt we will not sue you for it. In many
circumstances you can renew the debt and start the time period over for filing a lawsuit to recover this debt if you take specific
action such as making a payment, or a written promise to pay. You should determine the effect of any action you take with
respect to this debt.
IF YOU LIVE IN WASHINGTON STATE THIS APPLIES TO YOU:
Rash Curtis & Associates
8668 W. Spring Mtn. Rd., Ste. 110,
Las Vegas, NV 89117
Medical Accounts Only:
You have the right to request the original or redacted account number assigned to the debt, the date of the last payment, and an itemization containing specified information, including the name and address of the medical creditor, the date, dates, or date range of service, and the health care services provided as indicated by the provider in a statement provided to the licensee. All collection efforts must cease until the itemization is provided.
For Hospital Debts Only:
You may be eligible for charity care from the hospital.
If your debt is past the statute of limitations, you are hereby notified of the following important consumer information:
The law limits how long you can be sued on a debt. Because of the age of this debt we will not sue you for it. In many
circumstances you can renew the debt and start the time period over for filing a lawsuit to recover this debt if you take specific
action such as making a payment, or a written promise to pay. You should determine the effect of any action you take with
respect to this debt.
IF YOU LIVE IN WISCONSIN THIS APPLIES TO YOU:
This Collection Agency is licensed by the Division of Banking in the Wisconsin Department of Financial Institutions, www.wdfi.org
If your debt is past the statute of limitations, you are hereby notified of the following important consumer information:
The law limits how long you can be sued on a debt. Because of the age of this debt we will not sue you for it. In many
circumstances you can renew the debt and start the time period over for filing a lawsuit to recover this debt if you take specific
action such as making a payment, or a written promise to pay. You should determine the effect of any action you take with
respect to this debt.