top of page

State and Federal Disclosures

We are required by law to notify consumers of the following rights. This list does not include a complete list of rights consumers have under state and federal laws.

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.

In 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 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.

The California Consumer Privacy Act requires that we inform you that we collect the following categories of personal information from consumers for the business purpose of servicing accounts and collecting debts: 1) Identifiers (such as name; Address; Social Security number; online identifiers; email address; and other similar identifiers); 2) Audio (such as call recordings and other similar information); 3) Financial Information (such as bank account information; debit card information; credit card information; and other similar financial information); 4) Commercial Information (such as records of property, products or services purchased or other similar information); 5) Internet or other Electronic Network Activity Information (such as information regarding your interaction with our websites and other similar information); 6) Professional or Employment Information (such as employment information or other similar information). For more information, or to access this notice in a different format, please see our Privacy Policy at

In Maine: If you have an issue about the way we are collecting your debt, contact the Maine Department of Professional and Financial Regulation, Bureau of Consumer Credit Protection at 35 State House Station, Augusta, ME 04333, 207-624-8527.

IN 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 debt collector.

You may contact us by telephone at (855) 505-5669 between 9:00 am and 5:00 pm EST Monday-Friday or in writing at PO Box 399 New City, NY 10956 

In NY: The New York City Department of Consumer and Worker Protection (“Department”) requires us to document your preferred language. Please contact Fair Capital at (855) 505-5669 to provide us with your preferred language. Fair Capital does not offer language access services. For a translation and description of commonly-used debt collection terms, visit

This collection agency is licensed by the Department of Consumer Affairs of the City of New York, License # 2012412-DCA.

NYC resident’s direct contact person: Call Rachel at 845-832 -8880 Ext. 102

bottom of page