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

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. Non profit consumer counseling may be available in your area.

COLORADO

For Information about the Colorado Fair Debt Collection Practices Act, see www.ago.state.co.us/cadc/cadcmain.cfm

MASSACHUSETTS

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

You have the option to address any concerns with the Minnesota Attorney General's Office, which can be reached at 651-296-3353 or 1-800-657-3787.

NORTH CAROLINA

North Carolina Permit Number: 0887375

TENNESSEE

This collection agency is licensed by the Collection Service Board of the 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.

WISCONSIN

This collection agency is licensed by the Office of the Administrator of the Division of Banking, P.O. Box 7876, Madison, Wisconsin 53707

By accessing and using this web site, you acknowledge you have been directed to this web site by a written communication from Envision Payments Solutions, a debt collector attempting to collect a debt that included an explanation of your important rights, your account number, total balance due and the name of the original creditor of your account. If you are not responding to this form of communication, please contact our office at 1-877-290-5460 to obtain this information.


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