IQVServicing Website Disclosures

Consumer Disclosures

The following states require that disclosures be given to residents of those states in certain circumstances. You may also have rights in those, or other states not specifically stated below.


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 8AM or after 9PM. They may not harass you by using threats of violence or arrest or by using obscene language. Collectors may not use false of 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 to enforce a judgment. For more information about debt collection activities. you may contact the Federal Trade Commission at 1-877-FTC-HELP or



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.

If your debt is past the statute of limitations, you are hereby notified of the following important consumer information:

The law limits how long you can be sued on a debt. Because of the age of this debt we will not sue you for it. In many circumstances you can renew the debt and start the time period over for filing a lawsuit to recover this debt if you take specific action such as making a payment, or a written promise to pay. You should determine the effect of any action you take with respect to this debt.


This collection agency is licensed by the Tennessee Collection Service Board. State Department of Commerce and Insurance.


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.


This collection agency is licensed by the Division of Banking in the Wisconsin Department of Financial Institutions,

This is a communication from a debt collector. Any information obtained will be used for that purpose.