August 18, 2023
Email & Text Disclosures — Penn Credit Corporation
I am a debt collector with Penn Credit Corporation. This is an attempt to collect a debt and any information obtained will be used for that purpose.
Our contact number is 800-900-1381. Our office hours are Monday-Thursday 8:00AM EST to 9:00PM EST; Friday 8:00AM EST to 8:00PM EST; and Saturday 8:00AM EST to 2:00PM EST. Our office address is 2800 Commerce Drive, PO Box 69703 Harrisburg, PA 17110.
Please be advised that you can opt out of receiving further communication from Penn Credit Corporation via email or text by replying “STOP.”
By opting in, you give Penn Credit Corporation permission to send you account-related text messages, like payment reminders and notifications, in conjunction with the services you have requested.
· Number of messages will vary by account.
· You agree you have ownership rights or permission to use the number given to us.
· Message and data rates may apply.
· To opt-out, text STOP to 59304 or text STOP to any text message we send you. An opt-out confirmation message will be sent back to you.
· To request support, text HELP to 59304 or email us at Compliance@penncredit.com.
· If your handset does not support MMS, any MMS messages sent may be delivered as SMS messages.
· Wireless carriers are not liable for undelivered or delayed messages.
IMPORTANT RIGHTS:
California:
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 am or after 9 pm. 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.
You may request records showing the following: (1) that Penn Credit Corporation 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: PO BOX 69703, Harrisburg, PA 17106 and/or emailed to compliance@penncredit.com
Penn Credit Corporation’s California License Number is 10269-99.
(Medical Only)
Please be advised that nonprofit counseling services may be available in the area.
Massachusetts:
NOTICE OF IMPORTANT RIGHTS FOR MASSACHUSETTS RESIDENTS
You have the right to make a written or oral request that telephone calls regarding your debt not be made to your place of employment. Any such oral request will be valid for only 10 days unless you provide written confirmation of the request postmarked or delivered within 7 days of such request. You may terminate this request by writing to the debt collector.
Colorado:
Colorado: FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE https://coag.gov/office-sections/consumer-protection/consumer-credit-unit/collection-agency-regulation/.
Our in-state office is located at 7200 South Alton Way, Suite B-180, Centennial, CO 80112 and the phone number is 303- 309-3839. A consumer has the right to request in writing that the 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.
Penn Credit Corporation, PO Box 69703, Harrisburg, PA 17106-9703
Minnesota:
This collection agency is licensed by the Minnesota Department of Commerce.
CREDIT COUNSELING SERVICES TO DEBTORS RESOURCE LIST
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。
州商务局与这些机构间无隶属关系，亦不能保证其提供的任何服务。提供此列表并不表示对该等机构或其服务的推荐、认可或建议。
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
Family Means Financial Solutions 1875 Northwestern Avenue South Stillwater, MN 55082 Phone: 651-439-4840 | 800-327-3203 www.familymeans.org/financial-solutions
Consumer Credit of Minnesota 5871 Cedar Lake Rd S, #105 St. Louis Park, MN 55416 Phone: 952-544-6800 www.ccofminnesota.org
August 2023
Nevada:
Collection Agency License Number: CAD11619
Compliance Manager Certificate Identification Number: CM 11673
New York City:
Penn Credit Corporation’s New York City Department of Consumer Affairs license number is 2096480-DCA.
New York City residents:
Penn Credit Corporation offers additional language access services for languages other than English. We utilize Certified Languages International and can communicate orally in over 230 different languages after notifying us in advance of the need to communicate in a language other than English. You may review a translation and description of commonly-used debt collection terms in your preferred language on the website of the New York City Department of Consumer Affairs at nyc.gov/dca.
NOTICE PURSUANT TO SECTION 1.2 (a) OF THE REGULATIONS OF THE NEW YORK STATE DEPARTMENT OF FINANCIAL SERVICES
Please be advised that in accordance with the Fair Debt Collection Practices Act, 15 U.S.C. Section 1692 et seq., debt collectors are prohibited from engaging in abusive, deceptive, and misleading 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.
A creditor may sue you to collect this debt. Even if the creditor sues you and wins, state and federal laws may prevent the following types of income from being taken to pay the debt:
1. Supplemental social 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 loans, federal student grants, and federal work study funds; and
11. Ninety percent of your wages or salary earned in the last sixty days.
NOTICE PURSUANT TO SECTION 1.2 (b) OF THE REGULATIONS OF THE NEW YORK STATE DEPARTMENT OF FINANCIAL SERVICES
Please be further advised of the following:
(i)The name of the original creditor of the debt and the amount of the debt as of the charge-off are referenced on the reverse of this document; (ii) No interest has accrued on the debt since the charge-off;; (iii) There are no additional non-interest charges or fees which have accrued since the charge-off; and (iv) There have been no payments on the account since the charge-off.
Please be advised that you may request this letter in a larger print format. To do so, contact our office at 800-900-1381.
North Carolina:
Penn Credit Corporation’s permit number for North Carolina is 119507831.
Tennessee:
Tennessee: This collection agency is licensed by the Collection Service Board, State Department of Commerce and Insurance, 500 James Robertson Parkway, Nashville, Tennessee 37243.
Washington, DC:
If your debt has not been reduced to a judgment by a court, you have the right to request the following information 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, application, or other documents which show your obligations;
(4) The date 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 any 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:
800-900-1379, PO Box 69703, Harrisburg PA 17110-9703, or compliance@penncredit.com
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, veteran's 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 convertida a una sentencia judicial, usted tiene derecho a solicitar la siguiente
información en relación con su deuda:
(1) El nombre del acreedor original y el nombre de cualquier otro titular de su deuda, incluyendo el
dueño actual de la deuda;
(2) su último número de cuenta con el acreedor original;
(3) Una copia del contrato suscrito, solicitud u otros documentos que muestren sus obligaciones;
(4) La fecha en la que se incurrió en la deuda;
(5) La fecha de su último pago, de ser aplicable; y
(6) Una contabilidad desglosada de la supuesta deuda, que incluya el monto de cualquier capital,
intereses, tarifas o cargos y si esos cargos fueron impuestos por el acreedor original, un cobrador de
deuda u otro titular de la deuda. Para tarjeta de crédito o cuentas de crédito renovable, la contabilidad
desglosada se calcula desde la cancelación del saldo.
Si su deuda se ha convertido a una sentencia judicial, usted tiene derecho a una copia de la
sentencia, documentación que establezca que el cobrador de la deuda es el titular de la sentencia y a
una contabilidad desglosada del saldo actual debido en la sentencia.
Podrá solicitar la información arriba mencionada contactándonos por teléfono, correo o correo
electrónico a:
800-900-1379, PO Box 69703, Harrisburg PA 17110-9703, o compliance@penncredit.com
Usted podría tener ingresos o recursos que se encuentran protegidos del cobro por parte de los
cobradores de deuda. Ello podría incluir algunas fuentes de ingresos, fondos o propiedad,
incluyendo, pero sin limitarse a seguro social, segurido de ingreso suplementario (SSI), beneficios
por discapacidad o desempleo, beneficios a veteranos o pagos de pensión alimentaria. Si usted
considera que su propiedad o ingresos podrían ser protegidos, usted podría querer obtener
asesoramiento legal, incluyendo un proveedor de servicios legales o en una oficina de asistencia
legal, previo al pago de esta deuda.
Wisconsin:
“This collection agency is licensed by the Division of Banking in the Wisconsin Department of Financial Institutions, www.wdfi.org.”