If you live in California: Cascade Receivables Management LLC is licensed by the California Department of Financial Protection and Innovation with License # 10469-99.
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 to 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 information regarding the California Consumer Privacy Act please visit https://cascadehelps.com/ccpa.

Medical Accounts Only:
You may request records showing the following:

• That the current creditor has the right to seek collection of the debt;
• the debt balance, including an explanation of any interest charges and additional fees;
• the date of default or the date of the last payment;
• the name of the charge-off creditor and the account number associated with the debt;
• the name and last known address of the debtor as it appeared in the charge-off creditor’s or debt buyer’s records prior to the sale of the debt, as appropriate; and
• 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:4636 E University Dr, Suite 110, Phoenix, AZ 85034.

The California Consumer Privacy Act requires that we inform you that we collect the following categories of personal information from consumers for the purpose of servicing accounts and collecting debts: 1)Personal Identifiers; 2) Categories of Information described in Section 1798.80(e) of the California Civil Code]; 3) Professional or employment related information; and 4) Other information about you that is linked to the personal information in 1,2 or 3 above. For more information or to access this notice in a different format, please see our Privacy Policy at https://cascadehelps.com/ccpa

If you live in Colorado: FFOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE WWW.COAG.GOV/CAR. 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 Colorado Residents: Our local office is located at: 8690 Wolf Court, Ste 110, Westminster, CO 80031.

If you live in Connecticut: This collection agency is licensed in Connecticut, License number CCA-1371506 & SFC-1371506.

If you live in Idaho: The Current Creditor listed has a managerial interest in Cascade Receivables Management, LLC.

If you live in Idaho: Unless you notify our office within thirty (30) days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid. If you notify this office in writing within thirty (30) days from receiving this notice that you dispute the validity of this debt or any portion thereof, this office will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification. If you request of this office in writing within thirty (30) days after receiving this notice, this office will provide you with the name and address of the original creditor, if different from the current creditor.

If you live in Maine: Unless you notify our office within thirty (30) days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid. If you notify this office in writing within thirty (30) days from receiving this notice that you dispute the validity of this debt or any portion thereof, this office will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification. If you request of this office in writing within thirty (30) days after receiving this notice, this office will provide you with the name and address of the original creditor, if different from the current creditor.

If you live in 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.

Unless you notify our office within thirty (30) days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid. If you notify this office in writing within thirty (30) days from receiving this notice that you dispute the validity of this debt or any portion thereof, this office will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification. If you request of this office in writing within thirty (30) days after receiving this notice, this office will provide you with the name and address of the original creditor, if different from the current creditor.

If you live in Michigan: Unless you notify our office within thirty (30) days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid. If you notify this office in writing within thirty (30) days from receiving this notice that you dispute the validity of this debt or any portion thereof, this office will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification. If you request of this office in writing within thirty (30) days after receiving this notice, this office will provide you with the name and address of the original creditor, if different from the current creditor.

If you live in Minnesota: This collection agency is licensed by the Minnesota Department of Commerce.
CREDIT COUNSELING SERVICES TO DEBTORS RESOURCE LIST
Pursuant to MS §332.365
There are resources available to help manage your debt. The following Minnesota organizations offer
debt and credit counseling services. The Department of Commerce does not control or guarantee any of
the services provided by these organizations. The provision of this list is not a referral to, or endorsement
or recommendation of, any organization or the organization’s services.

Waxa jira agab iyo dukumeentiyo u diyaar ah inay kaa caawiyaan maareynta dayntaada. Hay’adaha
Minnesota ee soo socda ayaa bixiya adeegyada la talinta daynta. Waaxda Ganacsigu ma dammaanad
qaado mana kaantaroosho adeegyada ay hay’adahani bixiyaan midkoodna. In liiskan lagu siiyay lama
macno aha in laguu gudbiyay, lagugula taliyay ama laguu soo jeediyay, ururan midkoodna ama adeegyada
ururadaba.

以下资源可以帮助您管理债务。以下这些明尼苏达州机构提供债务和信用咨询服务。
该资源列表业经明尼苏达州商业局审查，符合明尼苏达州法规第332.365号的要求。

Muaj cov peev txheej uas yuav los pab tswj koj cov nuj nqi. Cov koom haum hauv Minnesota nram qab
no muaj cov kev pab cuam tawm tswv yim txog kev qiv nyiaj thiab nuj nqi. Lub Tuam Tsev Hauj Lwm ntsig
txog Kev Lag Luam uas tsis muaj kev tswj los sis lav ib qho ntawm cov kev pab cuam uas muab los ntawm
cov koom haum no. Qhov kev muab cov ntawv teev no tsis yog xa mus rau, los sis qhov kev lees paub los
sis cov lus qhia, tej lub koom haum los sis lub koom haum cov kev pab cuam.
Hay recursos disponibles para ayudarle a gestionar sus deudas. Las siguientes instituciones de Minnesota
ofrecen servicios de asesoramiento sobre deudas y crédito. El Departamento de Comercio no controla
ni garantiza ninguno de los servicios prestados por estas instituciones. La presentación de esta lista no
constituye una remisión, aprobación o recomendación de ninguna institución ni de sus servicios.

Có một số nguồn lực giúp quý vị quản lý khoản nợ của mình. Các tổ chức sau đây của Minnesota cung
cấp dịch vụ tư vấn đối với các khoản nợ và tín dụng. Cơ Quan Thương Mại không kiểm soát hoặc đảm
bảo bất kỳ dịch vụ nào do các tổ chức này cung cấp. Việc cung cấp danh sách này không phải hoạt
động giới thiệu, chứng thực hoặc khuyến nghị cho bất kỳ tổ chức nào hoặc các dịch vụ của tổ chức đó.

LSS Financial Counseling Service: Multiple Minnesota Locations | Phone: 888-577-2227 | www.lssmn.org/financialcounseling
Consumer Credit of Minnesota: 5871 Cedar Lake Rd S, #105, St. Louis Park, MN 55416 | Phone: 952-544-6800 | www.ccofminnesota.org
Family Means Financial Solutions: 1875 Northwestern Avenue South, Stillwater, MN 55082 | Phone: 651-439-4840 | 800-327-3203 | www.familymeans.org/financial-solutions