Federal Disclosures:
PLEASE UNDERSTAND THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
New York Disclosures:
Debt collectors are prohibited by 15 USC §1692 et seq. from engaging in abusive, deceptive and unfair collection efforts, including the use or threat of violence, the use of obscene or profane language, and repeated phone calls 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.
New York Department of Consumer Affairs Debt Collection Agency License No. 2096865-DCA
Privacy Policy
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Additionally you agree that:
- I am not a petitioner in any pending bankruptcy petition
- This account has not been discharged in a bankruptcy proceeding
I have read and understand the above notice(s).
Please note that effective November 30, 2020 Stephen Einstein & Associates, P.C. will be doing business as Tromberg, Morris & Poulin, PLLC.
