Consumers and Required Disclosures


Cedar Financial is a Debt Collector.
This is an attempt to collect a debt.
Any information obtained is used only for that purpose.
Our calls and chat sessions are recorded for quality and training purposes.



California Residents: 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.

California State Rosenthal: 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.

Nonprofit credit counseling services may be available in the area. 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.

Colorado Residents: 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. FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE, www.coag.gov/car

Local Colorado Office: 13111 East Briarwood Ave • Ste 340 Centennial, CO 80112 Phone: 800-804-3353

Florida Residents: Fla. Stat. Ann. § 559.715: This part does not prohibit the assignment, by a creditor, of the right to bill and collect a consumer debt. However, the assignee must give the debtor written notice of such assignment within 30 days after the assignment. The assignee is a real party in interest and may bring an action in a court of competent jurisdiction to collect a debt that has been assigned to such assignee and is in default.' Florida License Number CCA9903082.

Maine: If you are unable to pay your account in full, call our customer service representatives at 800-804-3353 and they may be able to arrange a payment plan.

Maryland: Maryland license Number 6493.

Massachusetts Residents: *****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 (10) DAYS UNLESS YOU PROVIDE WRITTEN CONFIRMATION OF THE REQUEST POSTMARKED OR DELIVERED WITHIN SEVEN (7) DAYS OF SUCH REQUEST. YOU MAY TERMINATE THIS REQUEST BY WRITING TO THIS AGENCY.

Minnesota Residents: This collection agency is licensed by the Minnesota Department of Commerce. If you feel your concerns have not been addressed please contact us and allow us the opportunity to try to address your concerns. Or, you have the option to address any concerns with the Minnesota Attorney General's Office which can be reached at 651-296-3353 or 1-800-657-3787.

New Mexico Residents: We are required by New Mexico Attorney General Rule to notify you of the following information. This information is not legal advice. The debt may be too old for you to be sued on it in court. If it is too old, you can't be required to pay it through a lawsuit. You can renew the debt and start the time for the filing of a lawsuit against you to collect the debt if you do any of the following: make any payment of the debt; sign a paper in which you admit that you owe the debt or in which you make a new promise to pay; sign a paper in which you give up ("waive") your right to stop the debt collector from suing you in court to collect the debt.

New York City: New York City Department of Consumer Affairs License Number 1430470-DCA.

North Carolina: THIS COLLECTION AGENCY IS LICENSED BY THE NORTH CAROLINA DEPARTMENT OF INSURANCE PERMIT #110192.

Tennessee Residents: This collection agency is licensed by the Collection Service Board, State Department of Commerce and Insurance, James Robertson Parkway, Nashville, Tennessee 37243.

Utah Residents: As required by Utah law, you are hereby notified that a negative credit report reflecting on your credit record maybe submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.

West Virginia Residents: The activities of collection agencies in West Virginia are regulated by the Attorney General's

Consumer Protection Division, 812 Quarrier St., Charleston, WV 25301. Federal law prohibits agencies from contacting you about your debt if you send a letter requesting that all contacts stop. The law limits how long you can be sued on a debt. If the debt is beyond the statute of limitations, Cedar Financial cannot sue you for it. If you do not pay the debt, Cedar Financial may report or continue to report it to the credit reporting agencies as unpaid.

Wisconsin Residents: This collection agency is licensed by the Office of the Administrator of the Division of Banking, P.O. Box 7876, Madison, Wisconsin 53707.

Wisconsin Residents: This collection agency is licensed by the Division of Banking in the Wisconsin Department of Financial Institutions, www.wdfi.org.