Nationwide Credit State Disclosures

State Disclosures for Initial Notices (Letters 2820,2821,2822,2823,2824,3100, 3101, 3102, 3103, 3104)

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.

State and federal law require debt collectors to treat you fairly and prohibit debt collectors from making false statements or threats of violence, using obscene or profane language, and making improper communications with third parties, including your employer. Nonprofit credit counseling services may be available in the area.

California License Number: 10053-99

https://nccarm.com/privacy/

Colorado

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.

Colorado law prohibits credit bureaus from reporting medical debt or factoring medical debt into a credit score unless the consumer report is to be used in connection with a credit transaction that involves, or that may reasonably be expected to involve, a principal amount that exceeds the national conforming loan limit value for a one-unit property as determined by the federal housing finance authority

FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE
HTTPS://COAG.GOV/OFFICE-SECTIONS/CONSUMER-PROTECTION/CONSUMER-CREDIT-UNIT/COLLECTION-AGENCY-REGULATION/

Calling us or visiting our website will not preserve your rights set forth above to obtain verification of the debt or the original creditor’s name and address, as such rights are only preserved by making a written request to us. 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.

Nationwide Credit Corporation. 27 North Willerup, Suite B Montrose, Colorado 81401, 571-316-2418 or 844-862-7251

Connecticut

This agency is licensed in Connecticut, License number: CCA-944152

DC

If your debt has not been reduced to a judgment by a court, you have the right to request the following concerning your debt: (1) The name of the original creditor and the name of any other owners of your debt, including the current owner; (2) Your last account number with the original creditor; (3) A copy of the signed contract, signed application, or other documents which show your obligations; (4) The date that your debt was incurred; (5) The date of your last payment, if applicable; and (6) An itemized accounting of the alleged debt including the amount of the principal, interest, fees, or charges, and whether the charges were imposed by the original creditor, a debt collector, or other owner of the debt. For credit card or revolving credit accounts, the itemized accounting is measured from the charge-off balance. If your debt has been reduced to a judgment by a court, you have a right to a copy of the judgment, documentation establishing that the debt collector is the owner of the judgment, and an itemized accounting of the current balance due on the judgment. You may request the above information by contacting us by phone, mail or email at the following:
Phone: 844-862-7251
Name: Nationwide Credit Corporation
Address: PO Box 9156 Alexandria, VA 22304-0156
Email: [email protected]

You might have income or resources that are protected from being taken by debt collectors. These might include certain sources of income, funds, or property, including, but not limited to, Social Security, Supplemental Security Income (SSI), disability or unemployment benefits, veterans benefits, or child support payments. If you believe your property or income may be protected, you may wish to seek legal advice, including at a legal services provider or legal aid office, before paying this debt.

Si su deuda no ha sido reducida bajo sentencia dictada por un tribunal, usted tiene el derecho a pedir lo siguiente referente a su deuda: (1) El nombre del acreedor original y el nombre de cualquier otro dueño de su deuda, incluyendo el dueño actual; (2) El número de su última cuenta con el acreedor original; (3) Una copia del contrato firmado, solicitud firmada, u otros documentos que muestren sus obligaciones; (4) La fecha en que su deuda fue incurrida; (5) La fecha de su último pago, si fuera aplicable; y (6) Una descripción pormenorizada de contabilidad de la supuesta deuda incluyendo la cantidad del principal, interés, cuotas, o cargos, y si es que hubo cargos impuestos por el acreedor original, un cobrador de deudas, o por otro dueño de la deuda. Para tarjetas de crédito o cuentas de crédito renovable, una descripción pormenorizada de contabilidad es medida de acuerdo a la cancelación del balance adeudado. Si su deuda ha sido reducida bajo sentencia dictada por un tribunal, entonces usted tiene el derecho a recibir una copia de la sentencia judicial, documentación estableciendo que el cobrador de deudas es el dueño de la sentencia judicial, y una descripción pormenorizada de contabilidad del balance actual que se deba cuando la sentencia fue dictada. Si desea usted puede pedir la información ya aquí mencionada si se pone en contacto con nosotros por teléfono, correo postal, o correo electrónico a la siguiente dirección:
Phone: 844-862-7251
Name: Nationwide Credit Corporation
Address: PO Box 9156 Alexandria, VA 22304-0156
Email: [email protected]

Usted puede que tenga ingresos o recursos que quedan protegidos para no ser tomados por los cobradores de deudas. Estos pueden incluir ciertas fuentes de ingreso, fondos, propiedad, incluyendo, pero no limitado a, Seguro Social, Seguridad de Ingreso Suplementario (SSI) (siglas en inglés), discapacidad o beneficios de desempleo, beneficios a veteranos, o pagos de manutención infantil. Si usted considera que su propiedad o ingresos pueden estar protegidos, a usted le convendría buscar consejo legal, incluyendo un proveedor de servicios legales, o consultar con una oficina de asistencia legal, antes de pagar esta deuda

Maine

If you have an issue about the way we are collecting your debt, contact the Maine Department of Professional and Financial Regulation, Bureau of Consumer Credit Protection at 35 State House Station, Augusta, ME 04333, 207-624-8527.

Maryland

This agency is licensed in Maryland, License number 04-195. You may access the following link to review additional license information: https://nmlsconsumeraccess.org/

For more information about your medical bill, including potential financial assistance screening, insurance information, and amount and nature of charges from the creditor or healthcare provider, please contact us at 844-862-7251 or PO Box 9156, Alexandria, VA 22304-0156

Massachusetts

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

This collection agency is licensed by the Minnesota Department of Commerce.

If you feel that your concerns have not been addressed, please contact us first at 844-862-7251 and allow us the opportunity to try and address your concerns. If you continue to have concerns that have not been addressed, you may contact the Minnesota Attorney General’s Office by telephone at 651-296-3353 or 1-800-657-3787, by email at [email protected], or online at www.ag.state.mn.us/contact

This needs to be on a separate page: 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.

Liiskan kheyraadka ah waxa qiimeysay Waaxda Ganacsiga ee Minnesota waxayna u
aqoonsatay inay buuxiyeen shuruudaha Xeerarka Minnesota ee § 332.365.

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.

Daim ntawv teev cov peev txheej no tau raug tshab xyuas los ntawm Minnesota Lub Tuam Tsev Hauj Lwm ntsig txog Kev Ua Lag Luam raws li kev txaus siab ntawm Minnesota Statutes § 332.365.

Hay recursos disponibles para ayudarle a gestionar sus deudas. Las siguientes instituciones de Minnesota ofrecen servicios de asesoramiento sobre deudas y crédito.

Esta lista de recursos ha sido revisada por el Departamento de Comercio de Minnesota para comprobar que cumple los requisitos establecidos en el artículo 332.365 de los Estatutos de Minnesota.

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.

Danh sách này đã được Cơ Quan Thương Mại Minnesota đánh giá là đáp ứng các yêu cầu của Đạo Luật Minnesota § 332.365.

New Mexico – MEDICAL ONLY – (added 7/13/21)

New York State

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.

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:

Supplemental security income, (SSI);
Social security;
Public assistance (welfare);
Spousal support, maintenance (alimony) or child support;
Unemployment benefits;
Disability benefits;
Workers’ compensation benefits;
Public or private pensions;
Veterans’ benefits;
Federal student loans, federal student grants, and federal work study funds; and
Ninety percent of your wages or salary earned in the last sixty days.

Please contact us to confirm your preferred language for future communications. All communications are in English with the following exception: Spanish-speaking agents are available by phone upon request. A translation and description of commonly-used debt collection terms is available in multiple languages at www.nyc.gov/dca.

Contact Nationwide Credit Corporation at 844-862-7251. This collection agency is licensed by the New York City Department of Consumer Affairs, License Number: 1058845

Please note, you can request a copy of this letter in a larger print format by calling us at 844-862-7251.

New York City

New York City Department of Consumer and Worker Protection License Number: 1058845- DCA

THEN DESCRIBE LANGAUGE ACCESS such as (and modify as needed): This company conducts its business in English. All communications are in English with the following exception: Spanish-speaking agents may be available by phone. Written communications may be available in Spanish.

A translation and description of commonly used debt collection terms is available in multiple languages at www.nyc.gov/dcwp.

Nationwide Credit Corporation 5503 Cherokee Ave Suite 100 Alexandria, VA 22312

North Carolina

This collection agency is licensed by the North Carolina Department of Insurance, Permit Number: 3661

[Company No. 119500339] 5503 Cherokee Ave., Alexandria, VA 22312

Rhode Island

The State of Rhode Island general laws prohibits credit bureaus from reporting medical debt or factoring medical debt into a credit score.

Tennessee

This collection agency is licensed by the Tennessee Collection Service Board of the Department of Commerce and Insurance.

Vermont

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

Wisconsin

This collection agency is licensed by the Division of Banking in the Wisconsin Department of Financial Institutions, www.wdfi.org.

	Revisions Added or Modifications to this document.	Date Revised	Revised by
1	Original	09/01/16	B. Gravitt
2	Revised – added Phone number to CO address	09/27/16	B. Gravitt
3	Revised – added Connecticut	08/16/18	D. Feldman
4	Revised – removed license # from CT and added paragraph to NY	06/29/20	D. Feldman
5	Revised CA and DC	03/07/23	D. Feldman
6	Revised – added new disclosures per Sessions	06/18/2025	D. Feldman