State Disclosures

Certifications

Clifton GibsonChief Compliance OfficerCCO Certification: #P2009-1384Company Certification: #C2010-1149NMLS ID: #1374673NFID license: #CAD11771

Jacob TorriereCompliance ManagerNMLS Number: #1374099NFID Certificate: #CM12832

This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.

State Notices

Some states require specific notices. Each state below shows the text that applies to accounts there. The text for your own account also appears on your account and payment pages.

California

For all accounts

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.

For debts past the statute of limitations

The law limits how long you can be sued on a debt. Because of the age of your debt, we will not sue you for it, and we will not report it to any credit reporting agency.

Licences

Spire Recovery Solutions, LLC is licensed by the California Department of Financial Protection and Innovation. License No. 10519-99.

Massachusetts

For all accounts

Spire Recovery Solutions, LLC is licensed by the Commonwealth of Massachusetts Division of Banks as a Debt Collector. Massachusetts consumers may file a complaint with the Massachusetts Division of Banks at mass.gov/dob or by calling 1-800-495-2265.

Licences

Spire Recovery Solutions, LLC, MA Division of Banks Debt Collector License (license number on file).

New Mexico

For debts past the statute of limitations

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 a 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

For debts past the statute of limitations

We are required by regulation of the New York State Department of Financial Services to notify you of the following information. This information is NOT legal advice: Your creditor or debt collector believes that the legal time limit (statute of limitations) for suing you to collect this debt may have expired. It is a violation of the Fair Debt Collection Practices Act, 15 U.S.C. Section 1692 et seq., to sue to collect on a debt for which the statute of limitations has expired. However, if the creditor sues you to collect on this debt, you may be able to prevent the creditor from obtaining a judgment against you. To do so, you must tell the court that the statute of limitations has expired. Even if the statute of limitations has expired, you may choose to make payments on the debt. However, be aware: if you make a payment on the debt, admit to owing the debt, promise to pay the debt, or waive the statute of limitations on the debt, the time period in which the debt is enforceable in court may start again. If you would like to learn more about your legal rights and options, you can consult an attorney or a legal assistance or legal aid organization.

New York City

For all accounts

Spire Recovery Solutions, LLC is a debt collection agency. If you are a New York City consumer, you can find information about your rights as a debtor at the website of the New York City Department of Consumer and Worker Protection (DCWP): nyc.gov/dcwp. To file a complaint, contact DCWP at 311 (or 212-NEW-YORK if calling from outside NYC). Spire Recovery Solutions, LLC is licensed as a Debt Collection Agency by the NYC Department of Consumer and Worker Protection (license number on file).

For debts past the statute of limitations

WE ARE REQUIRED BY LAW TO GIVE YOU THE FOLLOWING INFORMATION ABOUT THIS DEBT. THE LEGAL TIME LIMIT (STATUTE OF LIMITATIONS) FOR SUING YOU TO COLLECT THIS DEBT HAS EXPIRED. HOWEVER, IF SOMEBODY SUES YOU ANYWAY TO TRY TO MAKE YOU PAY THIS DEBT, COURT RULES REQUIRE YOU TO TELL THE COURT THAT THE STATUTE OF LIMITATIONS HAS EXPIRED TO PREVENT THE CREDITOR FROM OBTAINING A JUDGMENT. EVEN THOUGH THE STATUTE OF LIMITATIONS HAS EXPIRED, YOU MAY CHOOSE TO MAKE PAYMENTS. HOWEVER, BE AWARE: IF YOU MAKE A PAYMENT, THE CREDITOR'S RIGHT TO SUE YOU TO MAKE YOU PAY THE ENTIRE DEBT MAY START AGAIN.

Licences

Spire Recovery Solutions, LLC is licensed by the New York State Department of Financial Services. NYS DFS License/Registration on file.

Texas

For debts past the statute of limitations

THE LAW LIMITS HOW LONG YOU CAN BE SUED ON A DEBT. BECAUSE OF THE AGE OF YOUR DEBT, WE WILL NOT SUE YOU FOR IT. THIS NOTICE IS REQUIRED BY LAW.

THE LAW LIMITS HOW LONG YOU CAN BE SUED ON A DEBT. BECAUSE OF THE AGE OF YOUR DEBT, WE WILL NOT SUE YOU FOR IT, AND NEITHER US OR OUR CLIENT WILL NOT REPORT IT TO ANY CREDIT REPORTING AGENCY. THIS NOTICE IS REQUIRED BY LAW.