New York State Residents
New York State 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:
1. the use or threat of violence;
2. the 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.
New York City Residents
A translation and description of commonly used debt collection terms is available in multiple languages on the New York City Department of Consumer Affairs website, www.nyc.gov/dca
Abrahamsen Gindin, LLC NYC Department of Consumer and Worker Protection License #2114847-DCA.
Forster & Garbus LLP NYC Department of Consumer and Worker Protection License # 204-5675-DCA.
Kirschenbaum & Phillips P.C. NYC DEPARTMENT OF CONSUMER & WORKER PROTECTION LICENSE # 2081639-DCA
Yonkers, NY Residents
Abrahamsen Gindin, LLC Yonkers, NY License #10825.
Forster & Garbus LLP Yonkers License # 9489.
Kirschenbaum & Phillips P.C. Yonkers License # 10118.
Washington, DC Residents
If your debt has not been reduced to a judgment by a court, you have the right to request the following information concerning your debt:
(1) The name of the original creditor, and the name of any other owners of your debt, including the current owner; (2) Your last account number with the original creditor; (3) A copy of the signed contract, signed application, or other documents which show your obligations; (4) The date that your debt was incurred; (5) The date of your last payment, if applicable; and (6) An itemized accounting of the alleged debt, including the amount of any principal, interest, fees, or charges, and whether the charges were imposed by the original creditor, a debt collector, or a subsequent owner of the debt. For credit card or revolving accounts, the itemized accounting is measured from the charge-off balance.
If your debt has been reduced to a judgment by a court, you have a right to a copy of the judgment, documentation establishing that the debt collector is the owner of the judgment, and an itemized accounting of the current balance due on the judgment.
You may request the above information by contacting us by phone, mail, or email, at the following:
By phone at (800) 811-3464.
By mail at 2950 Express Drive South, Ste 234. Islandia, NY 11749
By email at [email protected]
You might have income or resources that are protected from being taken by debt collectors. These might include certain sources of income, funds, or property, including, but not limited to, Social Security, Supplemental Security Income (SSI), disability or unemployment benefits, veteran’s benefits, or child support payments. If you believe your property or income may be protected, you may wish to seek legal advice, including at a legal services provider or legal aid office, before paying this debt.
NMLS ID 1901664
https://nmlsconsumeraccess.org/