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.

You may request records showing the following: (1) that Velocity Investments, LLC has the right to seek collection of the debt; (2) the debt balance, including an explanation of any interest charges and additional fees; (3) the date of default or the date of the last payment; (4) the name of the charge-off creditor and the account number associated with the debt; (5) the name and last known address of the debtor as it appeared in the charge-off creditors or debt buyers records prior to the sale of the debt, as appropriate; and (6) the names of all persons or entities that have purchased the debt. You may also request from us a copy of the contract or other document evidencing your agreement to the debt.

A request for these records may be addressed to: 1800 Route 34N, Suite 305, Wall, New Jersey, 07719 or [email protected].

Our Privacy Notice for California Residents is set forth on our website, www.velocityrecoveries.com. If you have any questions or comments about how your personal information is handled, please do not hesitate to contact our offices by calling us at 800-558-4027 and/or by emailing us at: [email protected]

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.

Velocity Investments, LLC’s Colorado office is located at Colorado Manager, Inc., 8690 Wolff Court, Suite 110, Westminster, CO 80031 and has a phone number of 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.

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.

This collection agency is licensed by the Minnesota Department of Commerce.

NFID License # for Compliance Manager CM12591
NFID License # for Collection Agency CAD11639

Debt collectors, in accordance with the Fair Debt Collection Practices Act, 15 U.S.C. section 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.

You may request this letter in an alternative, reasonably accommodatable format, such as large-print format or another accommodative format, which we will select based on your needs. To request this letter in an alternative, reasonably accommodative format, please call us at 1-800-558-4027.

We conduct business in English and do not provide language access services or language translation services. For information gathering only, we are required to request your language of preference. If you wish to share your preference, please email us at [email protected]. A translation and description of commonly- used debt collection terms is available in multiple languages on the NYC Department of Consumer Affairs website, www.nyc.gov/dca.

This debt buyer is licensed in Oregon.

The State of Rhode Island general laws prohibit credit bureaus from reporting medical debt or factoring medical debt into credit score.