State law requires that we notify you of certain rights that you may have based on the state of your residence. Please note if your state of residence is listed below, you are entitled to receive notice of specific rights contained directly beneath each applicable state listed below. If you are not a resident of the specific state listed below, that state’s rights may not apply to you. This list does not contain a complete list of the rights consumers have under local regulations and state and federal laws.
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.
Nonprofit credit counseling services may be available in the area.
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. But 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 on the front of this letter.
The Rosenthal Act, Cal. Civ. Code 1788.21, also requires that you notify your creditor within a reasonable amount of time of your change of name, address, or employment for any existing consumer credit.
Colorado
For information about the Colorado Fair Debt Collection Practice Act, see www.coag.gov/car. Our local address is Colorado Manager, Inc. 8690 Wolff Court Ste 110 Westminster, CO 80031. Our toll free number is 888-816-5944; our local phone number is 303-980-4763.
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 INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE HTTPS://COAG.GOV/OFFICE-SECTIONS/CONSUMER-PROTECTION/CONSUMER-CREDITUNIT/COLLECTION-AGENCY-REGULATION/.”
Massachusetts
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.
If you feel that your concerns have not been addressed, please contact us at 888-816-5944 and allow us the opportunity to try and address your concerns. Or, you have the option to address any concerns with the Minnesota Attorney General’s Office, which can be reached at 651-296-3353 or 1-800-657-3787.

Nevada
Nevada state law, NRS 649.332 requires that we advise you as follows:
If you pay, or agree to pay, the debt or any portion of the debt shown on the reverse side of this notice, the payment, or agreement to pay, may be construed as (1) an acknowledgement of the debt by you; and (2) a waiver by you of any applicable statute of limitations set forth in NRS11.190 that otherwise precludes the collection of debt; and (3) if you do not understand your rights or if you have questions regarding your legal rights or obligations relating to the debt, you should seek legal advice.
New York
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.”
Additionally, the state requires that we inform you that 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.
North Carolina
Our North Carolina company number is 515446567.
Tennessee
We are licensed by the Collection Service Board of the Tennessee 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. 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 on the front of this letter.

Text Messaging Terms & Conditions

The purpose of Mnet Financial’s Text Messaging Service (“Service”) is to provide you with information about your account. Mnet does not charge you for using the Service, but your carrier may charge you for each text message sent and received. The number of messages will vary by account and message and data rates may apply. If your handset does not support Multimedia Messaging Service (MMS), any MMS messages sent may be delivered as Short Messing Service (SMS) messages. Wireless carriers are not liable for undelivered or delayed messages. You may opt-out of the Service at any time by replying STOP. You may opt-in to the Service by texting START. The Service is informational and not conversational. Accordingly, the Service will not recognize any reply you send other than STOP, START or HELP. If you have questions or need to speak with an agent, call the phone number as shown in your text message or reply HELP. By using the Service, you agree you may receive one (1) additional text message after replying STOP which will confirm your removal from the Service.

How to Contact Us

Should you have other questions or concerns about these terms of use, please visit our Contact Us page for more information.