JANUARY TECHNOLOGIES, INC.
State-Specific Borrower Information
Last Updated: Jul 24, 2023
The following applies to individuals from states outlined below.
California Residents
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 judgement. For more information about debt collection activities, you may contact the Federal Trade Commission at 1-877-FTC-HELP. Nonprofit credit counseling services may be available in the area.
California Purchased Debt
You may request records showing the following: (1) that the account owner 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 of default or the date of the last payment; (4) the name of the charge-off creditor and the account number associated with the debt; (5) the name and last known address of the debtor as it appeared in the charge-off creditor's or debt buyer's records prior to the sale of the debt, as appropriate; and (6) the names of all persons or entities that have purchased the debt. 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 the account owner.
Colorado Residents
FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE WWW.COAG.GOV/CAR.
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.
5500 South Quebec Street, Suite 260, Greenwood Village, CO 80111
Toll-Free Phone Number: (719) 490-3930
Connecticut Residents
Connecticut License Number: CCA-1644298
DC Residents
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.
Spanish translation:
Es posible que tenga ingresos o recursos que estén protegidos de ser tomados por los cobradores de deudas. Estos podrían incluir ciertas fuentes de ingresos, fondos o propiedades, como, entre otros, la Seguridad Social, el Ingreso Suplementario de Seguridad (SSI), las prestaciones por discapacidad o desempleo, las prestaciones militares o los pagos de manutención infantil. Si cree que su propiedad o ingresos pueden estar protegidos, es posible que desee buscar asesoramiento legal, incluyendo en un proveedor de servicios legales o en una oficina de ayuda legal, antes de pagar esta deuda.
Maine Residents
Our office hours are Monday-Friday 10am-6pm ET. Our company street address is 176 Grand Street, 4th Floor, New York, NY 10013.
Maryland
Maryland NMLS #1644298. Please visit https://www.nmlsconsumeraccess.org/ for more information.
Massachusetts Residents
Office Address: 176 Grand Street, 4th Floor, New York, NY 10013. Phone 866-300-1169. Please send payments and correspondence to January Technologies, Inc., 176 Grand Street, 4th Floor, New York, NY 10013.
NOTICE OF IMPORTANT RIGHTS: YOU HAVE THE RIGHT TO MAKE A WRITTEN OR ORAL REQUEST THAT TELEPHONE CALLS REGARDING YOUR DEBT MAY NOT BE MADE TO YOU AT YOUR PLACE OF EMPLOYMENT ANY SUCH ORAL REQUEST WOULD BE VALID FOR TEN (10) DAYS UNLESS YOU PROVIDE WRITTEN CONFIRMATION OF THE REQUEST POSTMARKED OR DELIVERED WITH IN SEVEN (7) DAYS OF SUCH REQUEST. YOU MAY TERMINATE THIS REQUEST BY WRITING TO THE DEBT COLLECTOR.
Minnesota Residents
This collection agency is licensed by the Minnesota Department of Commerce.
Nevada Residents
Collection Agency License Number: CAD11726
Compliance Manager ID Number: CM12769
New York State Residents
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:
You may request communications from us in a reasonably accommodatable format by calling us at (866) 300-1169.
New York City Residents
New York City Department of Consumer Affairs License Number: 2056220-DCA
The New York Department of Consumer Affairs requires us to ask you for your language preference for reporting purposes. Please provide us with your preferred language by sending an email to contact@january.com. At this time, January, Inc. does not provide language access or translation services for any language other than English. Translations and descriptions of commonly-used debt collection terms are available in multiple languages here.
North Carolina Residents
North Carolina Department of Insurance Permit Number 119507253
Oregon Residents
Oregon NMLS ID: 1644298
Tennessee Residents
January Technologies, Inc. is licensed by the Collection Service Board of the Department of Commerce and Insurance.