When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction.

We are required under state law to notify consumers of the following rights. This list does not include all rights consumers have under state, and federal law.

THE STATE OF CALIFORNIA REQUIRES THAT WE FURNISH RESIDENTS OF CALIFORNIA WITH THE FOLLOWING INFORMATION: United Collection Bureau, Inc. California license number is 10816-99. 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 . Nonprofit credit counseling services may be available in the area. For the purposes of collecting this debt, we may collect personal information about you including your name, social security number, employment information, information concerning your financial ability to pay this debt, bank and credit card account information, your location and other contact information including your telephone number and email address, and any information you provide through our website including your IP address. A copy of our privacy policy may be found at www.ucbinc.com.

THE STATE OF COLORADO REQUIRES THAT WE FURNISH RESIDENTS OF COLORADO WITH THE FOLLOWING INFORMATION: FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE HTTPS://COAG.GOV/OFFICE-SECTIONS/CONSUMER-PROTECTION/CONSUMER-CREDIT-UNIT/COLLECTION-AGENCY-REGULATION/. 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. Payments can be made in person at: Colorado Manager, Inc., 8690 Wolff Court, Suite 110, Westminster, Colorado 80031, 303-920-4763.

Colorado law prohibits credit bureaus from reporting medical debt or factoring medical debt into a credit score unless the consumer report is to be used in connection with a credit transaction that involves, or that may reasonably be expected to involve, a principal amount that exceeds the national conforming loan limit value for a one-unit property as determined by the Federal Housing Finance Authority.

THE STATE OF IDAHO REQUIRES THAT WE FURNISH RESIDENTS OF IDAHO WITH THE FOLLOWING INFORMATION: Toll Free 1-866-209-0622 during normal business hours.

THE STATE OF KANSAS REQUIRES THAT WE FURNISH RESIDENTS OF KANSAS WITH THE FOLLOWING INFORMATION: An investigative consumer report, which includes information as to your character, general reputation, personal characteristics and mode of living, may have been requested. You have the right to request additional information, which includes the nature and scope of the investigation.

THE STATE OF MAINE REQUIRES THAT WE FURNISH RESIDENTS OF MAINE WITH THE FOLLOWING INFORMATION: Hours of operation (ET): Monday through Friday, 8:00 a.m. to 5:00 p.m.

THE STATE OF MASSACHUSETTS REQUIRES THAT WE FURNISH RESIDENTS OF MASSACHUSETTS WITH THE FOLLOWING INFORMATION: 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. Hours of operation (ET): Monday through Friday, 8:00 a.m. to 5:00 p.m.

THE STATE OF MINNESOTA REQUIRES THAT WE FURNISH RESIDENTS OF MINNESOTA WITH THE FOLLOWING INFORMATION: This collection agency is licensed by the Minnesota Department of Commerce. The Office of the Minnesota Attorney General's general telephone number is 651-296-3353 or 800-657-3787. You have the right to hire your own attorney to represent you in this matter.

THE STATE OF NEW YORK REQUIRES THAT WE FURNISH RESIDENTS OF NEW YORK WITH THE FOLLOWING INFORMATION: You may request this letter in a large print format by calling 1-866-209-0622.

THE CITY OF NEW YORK REQUIRES THAT WE FURNISH RESIDENTS OF NEW YORK CITY WITH THE FOLLOWING INFORMATION: New York City Department of Consumer Affairs License Number 1004887. This collection agency conducts business primarily in English. However, we may employ foreign language speakers from time to time and may accommodate verbal communication in a foreign language when appropriate staff is available. Some, but not all, standard written communications produced by us may be available in Spanish.  A translation and description of commonly used debt collection terms is available in multiple languages on the New York City Department of Consumer Affair’s website, www.nyc.gov/dca.

THE STATE OF NORTH CAROLINA REQUIRES THAT WE FURNISH RESIDENTS OF NORTH CAROLINA WITH THE FOLLOWING INFORMATION:

NC Permit No. NC Company No. Address

101866 119502939 5620 Southwyck Blvd. Toledo, OH 43614

3843 119500501 9078 W. State Road 84 Ft. Lauderdale, FL 33324

113517 119507195 200 Patrol Road #300 Jeffersonville, IN 47130

4367 119500925 5640 Southwyck Blvd. Toledo, OH 43614

113029 119506717 700 Noreste de la Interseccion de Real Cariari

Zona Franca Ultrapark I, Edificio 6B, Piso 1

La Aurora, Heredia, Costa Rica

THE STATE OF TENNESSEE REQUIRES THAT WE FURNISH RESIDENTS OF TENNESSEE WITH THE FOLLOWING INFORMATION: This collection agency is licensed by the Collection Service Board of the Department of Commerce and Insurance.

THE STATE OF WISCONSIN REQUIRES THAT WE FURNISH RESIDENTS OF WISCONSIN WITH THE FOLLOWING INFORMATION: This collection agency is licensed by the Division of Banking in the Wisconsin Department of Financial Institutions, www.dfi.wi.gov .

THE STATE OF RHODE ISLAND REQUIRES THAT WE FURNISH RESIDENTS OF RHODE ISLAND WITH THE FOLLOWING INFORMATION: The State of Rhode Island general laws prohibit credit bureaus from reporting medical debt or factoring medical debt into a credit score.

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