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.

California

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, Aargon Agency, Inc. 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.

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Chicago, Illinois

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.

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Iowa

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.

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Kansas

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 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.

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Maine

IF YOU LIVE IN MAINE 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.

Aargon Agency, Inc.
8668 W. Spring Mtn. Rd., Ste. 110,
Las Vegas, NV 89117

Hours of Operation: Mon-Fri: 8am to 5pm PST / Sat-Sun: Closed

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.

Nevada

IF YOU LIVE IN NEVADA 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.

Medical Accounts Only:
If you pay or agree to pay the debt or any portion of the debt, the payment or agreement to pay may be construed as an acknowledgement of the debt by you the consumer, and/or a waiver by you the consumer of any applicable statute of limitations set forth by NRS 11.190 that otherwise precludes the collection of the debt. If you do not understand or have questions concerning your legal rights or obligations relating to the debt, you should seek legal advice.

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.

New Mexico

IF YOU LIVE IN NEW MEXICO 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.

Medical Accounts Only:
The covered person is responsible only for payment of applicable in-network cost-sharing amounts under the covered person’s health benefits plans. A notice of consumer rights pursuant to the Surprise Billing Protection Act is available on our website.

Pursuant to the New Mexico Surprise Billing Protections Act we are required to post a notice of consumer rights which can be found HERE.

If your debt is past the statute of limitations, you are hereby notified of the following important consumer information:

We are required by New Mexico Attorney General Rule to notify you of the following information. This information is not legal advice: This debt may be too old for you to be sued upon in court. If it is too old, you can't be required to pay it through a lawsuit. You can renew the debt and start the time for the filing of a lawsuit against you to collect the debt if you do any of the following: make any payment of the debt; sign a paper in which you admit that you owe the debt or in which you make a new promise to pay; sign a paper in which you give up ("waive") your right to stop the debt collector from suing you in court to collect the debt.

New York State

IF YOU LIVE IN NEW YORK 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.

“Debt collection agency” shall mean a person, firm or corporation engaged in business, the principal purpose of which is to regularly collect or attempt to collect debts: (a) owed or due or asserted to be owed or due to another; or (b) obtained by, or assigned to, such person, firm or corporation, that are in default when obtained or acquired by such person, firm or corporation.

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.

This collection agency, in accordance with the Fair Debt Collection Practices Act, 15 U.S.C. §1692 et seq., is 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. If you feel your concerns have not been addressed, please contact our Compliance Department at 800-280-1183 Extension 112 to report them.

The New York State Department of Financial Services (23 NYCRR 1.2(b)(2)) requires the following disclosure for charged-off debts: Charges, fees or interest are not applicable or will not be charged.

For Deceased Collections:
No principal creditors and/or debt collection agencies shall make any representation that a person is required to pay the debt of a family member in a way that contravenes with the Fair Debt Collection Practices Act (15 USC 1692 et seq.). In addition, the principal creditors and/or debt collection agencies shall not make any misrepresentation about the family member’s obligation to pay such debts.

Debtor's Rights:
As a debtor who owes or may owe a consumer claim, you are given some protection and rights by the New York and federal laws regulating debt collection procedures. You should be aware of your rights.

• A debt collector may contact you or any member of your family or household directly. However, they may not contact you with such frequency, at unusual hours, or in a manner that can be expected to abuse or harass you. They also cannot threaten action which they do not take in the usual course of business.

• A debt collector may not threaten to contact your employer regarding a debt prior to obtaining a final judgment against you. However, a debt collector may contact your employer to execute a wage assignment agreement if you, the debtor, have agreed to the assignment.

• A debt collector cannot use a communication which appears to be authorized, issued, or approved by a government agency or attorney when it is not.

• A debt collector cannot disclose or threaten to disclose information affecting your reputation for creditworthiness if the collector know or has reason to know the information is false. A debt collector also cannot attempt or threaten to enforce a right when it knows or has reason to know the right does not exist.

• For more information about your rights under state and federal debt collection procedures law, contact the Consumer Protection Division of the New York State Department of State at 1-800-697-1220, 1-518-474-8583 or www.dos.ny.gov/consumerprotection. You may also contact the New York State Attorney General at 1-800-771-7755 or https://ag.ny.gov/complaint-forms.

If your debt is past the statute of limitations, you are hereby notified of the following important consumer information:

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: Your creditor or debt collector believes that the legal time limit (statute of limitations) for suing you to collect this debt may have expired. It is a violation of the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq., to sue to collect on a debt for which the state of limitations has expired. However, if the creditor sues you to collect on this debt, you may be able to prevent the creditor from obtaining a judgment against you. To do so, you must tell the court that the statute of limitations has expired. Even though the Statute of Limitations has expired, you may choose to make payments. However, be aware: if you make a payment, admit to owing the debt, promise to pay the debt, or waive the statute of limitations of the debt, the time period in which the debt is enforceable in court may start again. If you would like to learn more about your legal rights and options, you can consult an attorney or a legal assistance or legal aid organization.

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New York City, New York

IF YOU LIVE IN NEW YORK CITY, NEW YORK 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.

Aargon Agency, Inc., Tel: 1-800-326-7118

This Collection Agency is licensed by the New York City Department of Consumer Affairs: License No. 2015900-DCA

This agency provides telephone services in ENGLISH and SPANISH only. A translation and description of commonly-used debt collection terms is available in multiple languages on the Department’s website, www.nyc.gov/dca

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:

WE ARE REQUIRED BY LAW TO GIVE YOU THE FOLLOWING INFORMATION ABOUT THIS DEBT.
The legal time limit (statute of limitations) for suing you to collect this debt has expired. However, if somebody sues you anyway to try to make you pay this debt, court rules REQUIRE YOU to tell the court that the statute of limitations has expired to prevent the creditor from obtaining a judgment. Even though the statute of limitations has expired, you may CHOOSE to make payments. However, BE AWARE: if you make a payment, the creditor’s right to sue you to make you pay the entire debt may START AGAIN.

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Buffalo, New York

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 YOU LIVE IN BUFFALO, NEW YORK THIS APPLIES TO YOU:

This Collection Agency is licensed by the City of Buffalo: License No. 538798

If your debt is past the statute of limitations, you are hereby notified of the following important consumer information:

WE ARE REQUIRED BY LAW TO GIVE YOU THE FOLLOWING INFORMATION ABOUT THIS DEBT. The legal time limit (statute of limitations) for suing you to collect this debt has expired. However, if somebody sues you anyway to try to make you pay this debt, court rules REQUIRE YOU to tell the court that the statute of limitations has expired to prevent the creditor from obtaining a judgment. Even though the statute of limitations has expired, you may CHOOSE to make payments. However, BE AWARE: if you make a payment, the creditor’s right to sue you to make you pay the entire debt may START AGAIN.

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Oregon

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 YOU LIVE IN OREGON THIS APPLIES TO YOU:

Aargon Agency, Inc.
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.

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Tennessee

IF YOU LIVE IN TENNESSEE 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 Tennessee Collection Service Board of the Department of Commerce and Insurance: License No. 00001844.

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.

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Texas

IF YOU LIVE IN TEXAS 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.

Aargon Agency, Inc.
8668 W. Spring Mtn. Rd., Ste. 110,
Las Vegas, NV 89117
Tel: 1-800-326-7118

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.

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Utah

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 YOU LIVE IN UTAH THIS APPLIES TO YOU:

If within the 30-day validation period: 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 in this letter.

If after the 30-day validation period: 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.

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.

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Vermont

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 YOU LIVE IN VERMONT THIS APPLIES TO YOU:

Aargon Agency, Inc.
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.

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Washington State

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 YOU LIVE IN WASHINGTON STATE THIS APPLIES TO YOU:

Aargon Agency, Inc.
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.

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Washington, D.C.

IF YOU LIVE IN WASHINGTON, D.C. 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.

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Wisconsin

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 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.

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West Virginia

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 YOU LIVE IN WEST VIRGINIA THIS APPLIES TO YOU:

The law limits how long you can be sued on a debt. Because of the age of your debt, you cannot be sued for it. If you do not pay the debt, we may report or continue to report it to the credit reporting agencies as unpaid.

If your debt is past the statute of limitations, you are hereby notified of the following important consumer information:

When collecting on a debt that is not 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, the owner of the debt cannot sue you for it. If you do not pay the debt, the owner may report or continue to report it to the credit reporting agencies as unpaid.

When collecting on a debt that is past the date for obsolescence provided for in Section 46 605(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, the owner of the debt cannot sue you for it and the owner cannot report it to any credit reporting agencies.

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Yonkers, New York

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 YOU LIVE IN YONKERS, NEW YORK THIS APPLIES TO YOU:

Aargon Agency, Inc.,
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.

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