Constar Financial Services is a debt collector and any information obtained will be used for that purpose.
STATE AND MUNICIPAL DISCLOSURES
NOTE: The below information is not intended to be a complete list of rights consumers may have under State and Federal law. Please be advised that the following state and municipal disclaimers are only applicable to consumers living in those states or municipalities.
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 judgement. For more information about debt collection activities, you may contact the Federal Trade Commission at 1-877-FTC-HELP or www.ftc.gov.
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-CREDIT-UNIT/COLLECTION-AGENCY-REGULATION/. Constar Financial Services LLC Colorado Office: 3131 S Vaughn Way Suite 225 Aurora, CO 80014 (877) 968-2735
This collection agency is licensed in Connecticut, License # CCA-943494, NMLS #943494
District of Columbia
You have the right to request all of the following concerning your debt:
(1) Documentation of the name of the original creditor as well as the name of the current creditor or owner of your debt;(2) Your last account number with the original creditor;(3) A copy of the signed contract, signed application, or other documents providing evidence of your liability and its terms;(4) The date that your debt was incurred;(5) The date of your last payment, if applicable; and (6) An itemized accounting of the amount claimed to be owed, including the amount of the principal, the amount of any interest, fees, or charges, and whether the charges were imposed by the original creditor, a debt collector, or a subsequent owner of the debt. You may request the above information by contacting us by phone, mail, or email, at the following: (877) 341-3173, 10400 N 25th Ave, Ste. 100, Phoenix, AZ 85021, firstname.lastname@example.org
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 creditor.
This collection agency is licensed by the Minnesota Department of Commerce.
New York Residents
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. 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. N.Y. Comp. Codes R. & Regs. tit. 23, § 1.2(a) (2014).
City of Buffalo Residents This collection agency is licensed by the City of Buffalo, NY license #549716
City of Yonker Residents This collection agency is licensed by the City of Yonkers, NY license #9127
New York City Residents This collection agency is licensed by New York City Department of Consumer Affairs, License # 1223510-DCA This collection agency does not provide any language access services. NYC DCWP translation and description of commonly used debt collection terms can be located on the department’s website: www.nyc.gov/dca.
North Carolina Residents
This collection agency is licensed by the North Carolina Department of Insurance Company #: 119503476
This collection agency is licensed by the Collection Service Board of the Tennessee Department of Commerce and Insurance
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 CREDITOR.
Phone: (602)889-3655 x 8090
This collection agency does not provide any language access services. NYC DCWP translation and description of commonly used debt collection terms can be located on the department’s website: www.nyc.gov/dca