State Licensing Information and Disclosures

Please note that a negative credit bureau report reflecting on your credit record may be submitted to a credit reporting agency by the current account owner if you fail to fulfill the terms of your credit obligations. This notice in no way affects any rights you may have. We are required under state or local law to notify consumers of the following rights. It is not a complete list of rights consumers may have under local, state or federal law.
For consumers residing in:	Applicable Notification
CA	California License Number: 10356-99. As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.
CO	Local Business office & phone: The Executive Club Bldg., 1776 S. Jackson St., Suite 900, Denver CO 80210. 720-287-8659.
MA	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.
NY	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. 90% of your wages or salary earned in the last sixty days.
NYC	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. 90% of your wages or salary earned in the last sixty days. New York City Department of Consumer Affairs License Number: 1428221
NC	North Carolina Company #: 119505276
OR	Galaxy Asset Purchasing, LLC NMLS # 1115597 Galaxy International Purchasing, LLC NMLS # 1115599 Galaxy Portfolios, LLC NMLS # 1115624 Orion Portfolio Purchasing LLC NMLS # 1876500 Worldwide Asset Purchasing II, LLC NMLS # 1115626
UT	As required by Utah law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.
WA	This collection agency is licensed in the State of Washington at the following address: 510 Bell Street, Edmonds, WA 98020-3147

THIS COMMUNICATION IS FROM A DEBT COLLECTOR AND IS AN ATTEMPT TO COLLECT A DEBT.
ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

FIRST CREDIT SERVICES, INC.
9 WILLS WAY BLDG 3 PISCATAWAY NJ 08854-3770
Toll Free Number: 1-877-834-2341 Hours: Monday to Friday 9AM – 6PM EST