California:

The state Rosenthal Fair Debt Collection Practices Act and the federal Fair Debt Collection Practice 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 877-FTC-HELP or 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. But 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 on the front of this letter.

You may request records showing the following: (1) that «SYS-company» 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 charged-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 creditor’s 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:

Full Circle Financial Services, LLC
12425 Race Track Rd., STE 100
Tampa, FL 33626
clientservices@fullcirclefs.com

FCFS California License Number 10442-99

Colorado:

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/.

Full Circle Financial Services’ Resident Manager for the State of Colorado is

Colorado Manager, INC
8690 Wolff Court
Suite 110
Westminster, CO 80031
(303) 920-4763

Connecticut:

Section 36a-542(d) of the Connecticut General Statutes - company's NMLS ID number (unique identifier) on the website as required

(d) The unique identifier of any person licensed under section 36a-541 shall be clearly shown on all solicitations and advertisements, including business cards and Internet web sites, and any other documents as established by rule, regulation or order of the commissioner, and shall be clearly stated in all audio solicitations and advertisements. The solicitations or advertisements of any person licensed under section 36a-541: (1) Shall not include any statement that such person is endorsed in any way by this state, except that such solicitations and advertisements may include a statement that such person is licensed in this state; (2) shall not include any statement or claim that is deceptive, false or misleading; (3) shall otherwise conform to the requirements of sections 36a-535 to 36a-547, inclusive, any regulations issued thereunder and any other applicable law; and (4) shall be retained for two years from the date of use of such solicitation or advertisement.

Illinois:

We will provide you with the name and address of the original creditor, if different from the current creditor.

Maine:

Maine residents may contact our office by telephone between 8AM and 5PM EST.

Maryland:

September 8, 2021

REMINDER:
ELIMINATION OF PAPER LICENSES AND CHANGES IN MARYLAND LICENSE NUMBERS

During its 2021 session, the Maryland’s General Assembly passed, and Governor Larry Hogan signed into law, Senate Bill 251 (100 Md. Laws 2021). A copy of the bill may be found here. The new law, which will take effect on October 1, 2021, simplifies licensure and registration for businesses regulated by the Office of the Commissioner of Financial Regulation (OCFR) and the State Collection Agency Licensing Board (SCALB) by:

  • Eliminating paper licenses and registrations, and specifying that the “license” is found in the Nationwide Multistate Licensing System (NMLS);
  • Replacing the requirement for certain licensees to post their license with a requirement to post a specific notice at licensed locations to which the licensee grants public access and a specific notice on a licensee’s website; and
  • Aligning Maryland license and registration numbers with NMLS Unique Identifiers.
  • Effective October 1, 2021, OCFR and SCALB will cease issuing paper licenses and registrations or providing .pdf files from which such licenses and registrations can be printed. A person’s NMLS record will be recognized as the official record of licensure. A person will be considered licensed or registered so long as the person’s NMLS record shows an Approved status for that license or registration. If you receive approval of a license on or after October 1, 2021, or if you renew a license for 2022, you will not be provided with a .pdf file from which to print a paper license.
  • Effective October 1, 2021, there will be no requirements to post a license at a licensed location. Instead, licensees, excluding mortgage loan originators, will be required to post a notice, in 48 point or larger type, providing the licensee’s NMLS Unique Identifier and advising consumers of the availability of NMLS Consumer Access (https://www.nmlsconsumeraccess.org/ ) to verify licensing information. Posting of such notice will not be required at locations to which the licensee does not grant access to members of the general public. Licensees will also be required to post a notice on their websites providing the licensee’s NMLS Unique Identifier and a link to NMLS Consumer Access. Licensees should be in compliance with these requirements on October 1, 2021.
  • OCFR and SCALB will be altering all active Maryland license and registration numbers so that a licensee’s or registrant’s NMLS Unique Identifier will constitute their Maryland license number. Please note that this transition may be phased in starting prior to October 1, 2021 if necessary to ensure a smooth transition within both the NMLS system and the OCFR database. During the transition period, both the current Maryland license or registration number and the revised number will be accepted if a licensee or registrant is required to provide the number for any purpose. Effective October 1, 2021, your NMLS Unique Identifier will constitute your Maryland license number, and that number should be used in all instances in which a Maryland license number is required.
  • Licensees and registrants are encouraged to review the full text of the law. If you have any questions, you may contact Clifford Charland, Director of Non-Depository Operations, at 410-230-6167, or by e-mail at charland@maryland.gov.

Massachusetts:

Massachusetts residents may contact our office by telephone at the number and address stated on the front of this letter or at 855-395-0141 office hours Mon- Thurs 8am- 5pm Eastern Time

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.

Minnesota:

This Collection Agency is licensed by the Minnesota Department of Commerce.

North Carolina:

North Carolina Department Insurance Company No.: 102721

Nevada:

If the consumer pays or agrees to pay the debt or any portion of the debt, the payment or agreement to pay may be construed as:

  1. an acknowledgement of the debt by the consumer; and
  2. a waiver by the consumer of any applicable statute of limitations set forth in NRS 11.190 that otherwise precludes the collection of the debt; and
  3. if the consumer does not understand or has questions concerning his/her legal rights or obligations relating to the debt, the debtor should seek legal advice.

Nevada Residents

Collection Agency NMLS # 934278 License #: CAD11486

Compliance Manager NMLS # 948464 / License #: CM12368

New Mexico:

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 on it 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:

Federal Notice:

This is a debt collector attempting to collect a debt. Any information obtained will be used for that purpose. The amount of the claimed debt is the amount stated in the letter on the reverse side of this notice. The name of the creditor to whom the debt is owed is in the letter on the reverse side of this notice.

New York City Residents:

New York City Department of Consumer Affairs License Number: 1278779

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:

  • The use or threat of violence
  • The use of obscene or profane language; and
  • 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. Public or private pensions;
  7. Veterans’ benefits;
  8. Federal student loans, federal student grants, and federal work study funds; and
  9. Ninety percent of your wages or salary earned in the last sixty days.

Our Corporate Information is:

Full Circle Financial Services, LLC
12425 Race Track Rd., STE 100, Tampa, FL 33626
Compliance Director: Ryan Wall
To speak directly to a live operator, during normal business hours: (855) 695-1308

Ohio:

Alternatively, if you have a complaint about the way we are collecting your debt, please contact the Ohio Attorney General’s Office online at www.ohioattorneygeneral.gov; by telephone at 1-800-282-0515 between the hours of 8 A.M. to 7 P.M. Eastern Time, Monday through Friday; or by mail at 30 E. Broad St., 14th Floor, Columbus, OH 43215.

Tennessee:

This Collection Agency is licensed by the Collection Service Board of the Tennessee Department of Commerce and Insurance.

Utah:

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 on the front of this letter.

Wisconsin:

Full Circle Financial Services, LLC is exempt in the state of Wisconsin with regard to licensing

 

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