Spire Recovery Solutions
Iniciar sesión

Divulgaciones estatales

Esta es una traducción al español que se ofrece como cortesía. Si hay alguna diferencia, prevalece la versión en inglés. Ver la versión en inglés

Certificaciones

Clifton GibsonDirector de Cumplimiento (Chief Compliance Officer)Certificación de CCO: #P2009-1384Certificación de la empresa: #C2010-1149NMLS ID: #1374673Licencia NFID: #CAD11771

Jacob TorriereGerente de Cumplimiento (Compliance Manager)Número NMLS: #1374099Certificado NFID: #CM12832

Esta comunicación proviene de un cobrador de deudas. Este es un intento de cobrar una deuda y cualquier información obtenida se utilizará para ese propósito.

Avisos estatales

Algunos estados exigen avisos específicos. Cada estado a continuación muestra el texto que se aplica a las cuentas de ese estado. El texto de su propia cuenta también aparece en las páginas de su cuenta y de pago.

Las divulgaciones estatales se muestran en inglés, tal como las aprobó nuestro equipo legal. Llame al 844-978-0072 si necesita ayuda en español.

California

Para todas las cuentas

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.

Para deudas que superaron el plazo de prescripción

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.

Licencias

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

Massachusetts

Para todas las cuentas

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.

Licencias

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

New Mexico

Para deudas que superaron el plazo de prescripción

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

Para deudas que superaron el plazo de prescripción

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

Para todas las cuentas

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).

Para deudas que superaron el plazo de prescripción

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.

Licencias

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

Texas

Para deudas que superaron el plazo de prescripción

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.