By checking the "Accept Terms & Conditions" box below you are asserting that you are the named individual on this account and are authorized to review and discuss the personal information contained in the account. Furthermore, you are expressly authorizing Carter-Young, Inc., representatives to contact you or responsible party, including but not limited to contact via prerecorded messages, artificial voice messages, text or electronic messages and calls made by an automatic telephone dialing system, at any phone number or any cellular phone, which could result in charges to you, or other wireless device including any cellular phone number you currently have or will have in the future and at any e-mail provided for the purpose of contact in connection with resolution of this account. You agree that both the cell phone number(s) and/or e-mail address you provide belong to you, are secure and cannot be listened to or viewed by unauthorized third parties.
Thank You For Contacting The Customer Service Department.
You Must Accept The Terms And Conditions Above To Continue. Once This Is Completed Please Choose From The Following:





 



THIS COMMUNICATION IS FROM A DEBT COLLECTOR AND IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

CALIFORNIA NOTICE:
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

EL STATE ROSENTHAL FAIR DEBT COLLECTION PRACTICES ACT AND THE FEDERAL FAIR DEBT COLLECTION PRACTICES ACT REQUIRE QUE, EXCEPTO BAJO CIRCUNSTANCIAS INUSUALES COBRADORES NO RUEDEN CONTACTARLE ANTES DE LAS 8AM O DESPUES DE LAS 9PM ELLOS NO PODRAN MOLESTARLO USANDO AMENAZAS DE VIOLENCIA O ARRESTO O USAR LENGUAJE OBSENO. COBRADORES NO PODRAN USAR DECLARACIONES FALSAS O ENGANOSAS O LLAMARLO A SU TRABAJO SI ELLOS SABEN O TIENEN RAZON DE SABER QUE USTED NO PUEDE RECIBIR LLAMADAS PERSONALES AHI. MAYORIA MAS DE LAS VECES COBRADORES NO PODRAN DECIRLE A OTRA PERSONA ACERCA DE SU DEUDA. COBRADORES PUEDEN LLAMAR A OTRA PERSONA PARA OBTENER SU DIRECCION O PARA REFORZAR UN DICTAMEN. PARA MAYOR INFORMACION ACERCA DE ACTIVIDADES DE COBRO DE DEUDAS, USTED PUEDE LLAMAR A LA COMMISSION FEDERAL 1-877-FTC-HELP O A LA PAGINA WWW.FTC.GOV

AS REQUIRED BY LAW, YOU ARE HEREBY NOTIFIED THAT A NEGATIVE CREDIT REPORT REFLECTING ONYOUR CREDIT RECORD MAY BE SUBMITTED TO A CREDIT REPORTING AGENCY IF YOU FAIL TO FULFILL THETERMS OF YOUR CREDIT OBLIGATIONS.

Como es requerido por la ley, se le notifica que un informe de crédito negativo que se refleje en su historial de crédito puede ser sometido a una agencia de informes de crédito si usted no cumple con los términos de sus obligaciones de crédito.

Nonprofit credit counseling services may be available in the area.

Servicios de asesoría de crédito sin fines de lucro pueden estar disponibles en la zona.

COLORADO NOTICE:
FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE WWW.COLORADOATTORNEYGENERAL.GOV/CA. 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. You may also make payments in person to our in-state office as indicated below: 27 NORTH WILLERUP SUITE B MONTROSE, CO 81401 (970) 249-7514 or toll free at (866) 937-0606

MAINE NOTICE:
TELEPHONE NUMBER AT LICENSED LOCATION IS (866) 937-0606; HOURS OF OPERATION AT LICENSED LOCATION ARE MONDAY- FRIDAY 8:00 A.M. TO 5:00 P.M.

MINNESOTA NOTICE:
THIS COLLECTION AGENCY IS LICENSED BY THE MINNESOTA DEPARTMENT OF COMMERCE.

NEVADA NOTICE RE: MEDICAL DEBT:
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 ACKNOWLEDGMENT 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 NOTICE:
TELEPHONE PAYMENTS USING CHECK OR CREDIT CARD ARE ACCEPTED; HOWEVER, A PROCESSING FEE OF UP TO $5.00 MAY BE CHARGED.

NORTH CAROLINA NOTICE:
THIS COLLECTION AGENCY IS LICENSED IN NORTH CAROLINA, PURSUANT TO PERMIT NUMBER 4205. THIS PERMIT NUMBER CAN BE LOCATED ON THE NCDOI WEBSITE BY SEARCHING UNDER ITS TRUE NAME, CARTER-YOUNG INC.

TENNESSEE NOTICE:
NOTE: THIS COLLECTION AGENCY IS LICENSED BY THE COLLECTION SERVICE BOARD, STATE DEPARTMENT OF COMMERCE AND INSURANCE, 500 JAMES ROBERTSON PARKWAY, NASHVILLE, TENNESSEE 37243.