TERMS AND CONDITIONS

By providing Maury Cobb, Attorney at Law, LLC or its affiliates (“Cobb Law”) with your mobile number or by otherwise opting in, you permit us to send you account-related text messages, such as payment reminders and notifications, in conjunction with your requested services, via text message.

Number of messages will vary by account.

By providing us with your mobile number and opting in, you agree you have ownership rights or permission to use the number you provide for account-related text messages.

Message and data rates may apply.

You can cancel or opt-out of this SMS service at any time – just text “STOP” to 74283. After you send the SMS message “STOP” to us, we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us.

If at any time you forget what keywords are supported, just text “HELP” to 74283. After you send the SMS message “HELP” to us, we will respond with instructions on how to use our service as well as how to unsubscribe.

To contact Cobb Law directly with questions regarding your account, please call 1-877-369-3667 or email us at Info@mcobblaw.com.

If you have any questions regarding privacy, please read our privacy policy: www.paymcobblaw.com 

Some of the text messages we send may include links to websites. To access these websites, you will need a web browser and Internet access on your mobile device.

If your device does not support MMS, any messages sent may be delivered as SMS messages.

Wireless carriers are not liable for undelivered or delayed messages.

This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.

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 judgment. For more information about debt collection activities, you may contact the Federal Trade Commission at 1-877-FTC-HELP or www.ftc.gov. As required by law, you are hereby notified that a negative credit report reflecting on your credit may be submitted to a credit reporting agency if you fail to fulfill the terms of your obligations, but we will not submit a negative credit report to a credit reporting agency about this credit obligation until after the expiration of the time period described on the front of this letter. California license number: Pending Application.

Colorado Residents: FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT SEE WWW.COAG.GOV/CAR. Our in-state location is: 80 Garden Center, Suite 3, Broomfield, CO, 80020; 303-920-4763. 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 and desist communication will not prohibit the debt collector or collection agency from taking any other action authorized by law to collect the debt. Unless you notify this office within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid. If you notify this office in writing within 30 days from receiving this notice that you dispute the validity of this debt or any portion thereof, this office will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification. If you request of this office in writing within 30 days after receiving this notice, this office will provide you with the name and address of the original creditor, if different from the current creditor.

Maryland: NMLS identifier 1404618. See www.nmlsconsumeraccess.org.

Minnesota Residents: This collection agency is licensed by the Minnesota Department of Commerce.

New York Residents: New York City Department of Consumer Affairs License Number 2002110-DCA. Please contact us to confirm your preferred language for future communications. All communications are in English with the following exception: Spanish-speaking agents are available by phone upon request and Spanish translation of some website content is available online at www.amsherconsumer.com. Written communications may be available in Spanish upon request. A translation and description of commonly-used debt collection terms is available in multiple languages at www.nyc.gov/dca. Please note, you can request a copy of this letter in larger print format by calling us at 800-955-7632. In accordance with the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq., debt collectors are prohibited from engaging in abusive, deceptive, and unfair debt collection efforts, including but not limited to the use or threat of violence, the use of obscene or profane language, and 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:

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.  Ninety percent of your wages or salary earned in the last sixty days.

Utah Residents: 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.