Know Your Rights

State and Federal Disclosures

 

The Rights Consumers Have Under the Law

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

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.

Federal and state law prohibit certain methods of debt collection, and require that we treat you fairly. If you have a complaint about the way we are collecting your debt, please visit our website at www.tsico.com or contact the FTC online at www.ftc.gov: by phone at 1-877-FTC-HELP, or by mail at 600 Pennsylvania Ave., NW, Washington DC 20580. If you want information about your rights when you are contacted by a debt collector, please contact the FTC online at www.ftc.gov.

Consumers may request orally or in writing details regarding any debt being collected by TSI, including an itemization of the principal balance owed, including an itemization of all fees, interest, and any other amount charged to the account.

For the complete text of the federal Fair Debt Collection Practices Act, please visit the FTC website at http://www.ftc.gov.

State-Specific Rights

 

Some states require that we share specific information to their residents.

For Residents in AZ: 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.

For Residents in CO: 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. FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE https://coag.gov/ca.

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. Colorado office address and telephone number: 700 Seventeenth Street, Suite 200, Denver, Colorado, 866-687-1769.

For Residents of Maine: 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 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.

For Residents in MA: 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.

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.

For Residents in MN: 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. This collection agency is NOT licensed by the Minnesota Department of Commerce.

For Residents in NC: 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. This agency is NOT licensed by the North Carolina Department of Insurance.

For Residents in NV: 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.

For Residents in NY: 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. This collection agency is NOT licensed by the Department of Consumer Affairs of the City of 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.

For Residents in TN: 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. This collection agency is NOT licensed by the Tennessee Collection Service Board of the Department of Commerce and Insurance.

For Residents in WI: 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. This collection agency is NOT licensed by the Division of Banking in the Wisconsin Department of Financial Institutions, www.wdfi.org.