New York State Disclosures

New York Residents

New York City Department of Consumer and Workforce Protection License Number 1110453-DCA.

First Collection Services provides Spanish speaking telephone agents for those who prefer to communicate 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 and Worker Protection website,

You may request each communication in an alternative, reasonably accommodatable format to be selected by the debt collector.

(Pursuant to New York State, Department of Financial Services, 23 NYCRR 1)

(1) 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:

(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.

(2) 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.

Roberta Cranston
Collections Department

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