Important Rights

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

If you live in California: Midwest Fidelity Services, LLC California license number: Application Pending

If you live in Colorado: 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. Pursuant to Colorado law, calling us will not preserve your rights to obtain verification of the debt or the original creditor’s name and address as set forth in the first letter we sent to you regarding a debt, as such rights are only preserved by making a written request within the timeframe as described on that first letter.

If you live in Maine: If you have an issue about the way we are collecting your debt, contact the Maine Department of Professional and Financial Regulation, Bureau of Consumer Credit Protection at 35 State House Station, Augusta, ME 04333, 207-624-8527.

If you live in Maryland: This agency is licensed in Maryland, License number Z15992142, NMLS # 1677720. You may access the following link to review additional license information: https://nmlsconsumeraccess.org/

If you live in Massachusetts : 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.

If you live in Minnesota : This collection agency is licensed by the Minnesota Department of Commerce.

If you live in North Carolina : This is an attempt to collect a debt. Any information obtained will be used for that purpose. This is a communication from a debt collector. This agency is licensed by the North Carolina Department of Insurance; Company Numbers: 113991

If you live in New York: We are required by regulation of the New York State Department of Financial Services to notify you of the following information. This information is NOT legal advice. 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:

  1. the use or threat of violence;
  2. use of obscene or profane language; and
  3. 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.

If you live in New York City: This collection agency is licensed by the Department of Consumer Affairs of the City of New York, License #’s (DCA) 2096654.

Midwest Fidelity Services, LLC conducts its business in English. All communications are in English with the following exception: Spanish-speaking agents may be available by phone. Written communications may be available in Spanish. A translation and description of commonly used debt collection terms is available in multiple languages at www.nyc.gov/dca.