California State Disclosure
Waypoint Resource Group, LLC
California Consumers:
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 (1-877-382-4357) or www.ftc.gov.
As required by 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.
You may request records showing the following: (1) that Waypoint Resource Group, LLC has the right to seek collection of the debt; (2) the debt balance, including an explanation of any interest charges and additional fees; (3) the date the debt became delinquent or the date of the last payment; (4) the name of the creditor and the account number associated with the debt; (5) the name and last known address of the debtor as it appeared in the creditor's records prior to assignment of the debt; and (6) the names of all persons or entities other than the debt collector to which the debt has been assigned, if applicable. 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: 1065 W Levoy Drive Suite 100 Taylorsville, UT 84123-2979. California license number pending. CCPA.
Colorado State Disclosure
Waypoint Resource Group, LLC
FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE WWW.COAG.GOV/CAR
Colorado Office: Stokes & Wolf, P.C., 1776 S Jackson Street, Suite 900, Denver, CO 80210
Colorado Office Telephone Number: 303-753-0100
Toll-Free Telephone Number: 888-499-9642
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.
Unless you notify our office by (45 days of the date of the front letter) 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 by (45 days of the date of the front letter) 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 this office in writing by (45 days of the date of the front letter), this office will provide you with the name and address of the original creditor, if different from the current creditor.
Illinois State Disclosure
Waypoint Resource Group, LLC
This collection agency is licensed by the City of Chicago: License Number 2536032
Massachusetts State Disclosure
Waypoint Resource Group, LLC
MASSACHUSETTS RESIDENTS:
NOTICE OF IMPORTANT RIGHTS: 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 State Disclosures
Waypoint Resource Group, LLC
This collection agency is licensed by the Minnesota Department of Commerce.
North Carolina State Disclosures
Waypoint Resource Group, LLC
North Carolina Company Number: 517888294
Street Address: 1065 W Levoy Drive Suite 100 Taylorsville, UT 84123-2979
New York State Disclosure
Yonkers Disclosure
Waypoint Resource Group, LLC
Collection Representative: Melissa Higley
Yonkers, NY Consumers:
This collection agency is licensed by the City of Yonkers, License No.10629
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:
a) the use or threat of violence;
b) the use of obscene or profane language; and
c) repeated phone calls made with the intent to annoy, abuse, or harass.
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.
You may request a copy of this letter in large print format by calling us at #CREDITOR_PHONE_1#
NYC Dislcosure
New York City Consumers:
Collection Representative: Melissa Higley
Toll free Number: #CREDITOR_PHONE_1#
New York City Department of Consumer Affairs License Number: 2039638-DCA
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:
a) the use or threat of violence;
b) the use of obscene or profane language; and
c) repeated phone calls made with the intent to annoy, abuse, or harass.
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.
Waypoint Resource Group, LLC does not currently offer language access services. However, a translation and description of commonly-used debt collection terms is available in multiple languages on the NYC Department of Consumer Affairs website, www.nyc.gov/dcwp You may request a copy of this letter in large print format. You can submit a request by phone
#CREDITOR_PHONE_1# or mail (Waypoint Resource Group, LLC, 1065 W Levoy Drive Suite 100 Taylorsville, UT 84123-2979)
New York State Default Disclosure
Waypoint Resource Group, LLC
New York Consumers:
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:
a) the use or threat of violence;
b) the use of obscene or profane language; and
c) repeated phone calls made with the intent to annoy, abuse, or harass.
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.
You may request a copy of this letter in large print format by calling us at #CREDITOR_PHONE_1#
Utah State Disclosure
Waypoint Resource Group, LLC
Utah Consumers: 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.
OOS Disclosures
California OOS Disclosure
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. If you do not pay the debt, Waypoint Resource Group, LLC may report or continue to report it to the credit reporting agencies as unpaid for as long as the law permits this reporting.
Or if past credit reporting timeframe:
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.
Connecticut OOS Disclosure
The law limits how long you can be sued on a debt. Because of the age of your debt, #CURRENT_CREDITOR# will not sue you for it. If you do not pay the debt, #CURRENT_CREDITOR# may report or continue to report it to the credit reporting agencies as unpaid.
Or if past credit reporting timeframe:
The law limits how long you can be sued on a debt. Because of the age of your debt, #CURRENT_CREDITOR# will not sue you for it and #CURRENT_CREDITOR# will not report it to any credit reporting agencies.
Massachusetts OOS Disclosure
WE ARE REQUIRED BY REGULATION OF THE MASSACHUSETTS ATTORNEY GENERAL 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 CANNOT BE REQUIRED TO PAY IT THROUGH A LAWSUIT. TAKE NOTE: YOU CAN RENEW THE DEBT AND THE STATUTE OF LIMITATIONS FOR THE FILING OF A LAWSUIT AGAINST YOU IF YOU DO ANY OF THE FOLLOWING: MAKE ANY PAYMENT ON 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 OR WAIVE YOUR RIGHT TO STOP THE CREDITOR FROM SUING YOU IN COURT TO COLLECT THE DEBT. WHILE THIS DEBT MAY NOT BE ENFORCEABLE THROUGH A LAWSUIT, IT MAY STILL AFFECT YOUR ABILITY TO OBTAIN CREDIT OR AFFECT YOUR CREDIT SCORE OR RATING.
New Mexico OOS Disclosure
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 any 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 OOS Disclosure
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. Suing on a debt for which the statute of limitations has expired is a violation of the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq.; and that if the consumer admits, affirms, acknowledges, or promises to pay a debt for which the statute of limitations has expired, the statute of limitations may restart.
West Virginia OOS Disclosure
The law limits how long you can be sued on a debt. Because of the age of your debt, #CURRENT_CREDITOR# cannot sue you for it. If you do not pay the debt, #CURRENT_CREDITOR# may report or continue to report it to the credit reporting agencies as unpaid.
Or if past credit reporting timeframe:
The law limits how long you can be sued on a debt. Because of the age of your debt, #CURRENT_CREDITOR# cannot sue you for it and #CURRENT_CREDITOR# cannot report it to any credit reporting agencies.
