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| To enter our free financial information center |
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| Your Legal Rights |
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Federal law protects your rights as a credit consumer. The information in this section
contains a brief description of your general legal rights. For additional information on your legal rights,
visit the United States Federal Trade Commission (FTC) web site at www.ftc.gov.
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California Consumer Rights regarding Debt Collection Practices
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The federal 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, contact the Federal Trade Commission at 1-877-FTC-Help or
www.ftc.gov.
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