State Disclosures
We are required under state and federal law to notify consumers of the following rights. This list does not contain a complete list of the rights consumers have under state and federal law.
For the complete text of the federal Fair Debt Collection Practices Act, please visit the FTC website at http://www.ftc.gov/os/statutes/fdcpa/commentary.htm
Important Consumer Notice
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.
Federal Disclosures (Required Nationwide)
Fair Debt Collection Practices Act (FDCPA) Notice – 15 U.S.C. § 1692 et seq.
You have the right to dispute the debt and request validation as described in our first written correspondence.
Mini-Miranda Disclosure
All communications are from a debt collector.
Call Recording Notice
Calls to or from our company may be recorded or monitored for quality and compliance.
For California Residents: Gatestone & Co. Inc. Licenses:
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.
Hospital Bill Complaint Program: If this is a debt arising from services provided by a hospital located in California then the following applies: "Nonprofit credit counseling services may be available in the area."
The Hospital Bill Complaint Program is a state program, which reviews hospital decisions about whether you qualify for help paying your hospital bill. If you believe you were wrongly denied financial assistance, you may file a complaint with the Hospital Bill Complaint Program. Go to HospitalBillComplaintProgram.hcai.ca.gov for more information and to file a complaint.
Our Privacy Policy at www.revcosolutions.com or request a written copy by contacting us.
For 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: HTTPS://COAG.GOV/OFFICE-SECTIONS/CONSUMER-PROTECTION/CONSUMER-CREDIT-UNIT/COLLECTION-AGENCY-REGULATION/
We are required under state law to provide consumers with certain notices. This list does not contain a complete list of the rights consumers have under state and/or federal law. Colorado law prohibits credit bureaus from reporting medical debt or factoring medical debt into a credit score unless the report is to be used in connection with a credit transaction that involves a principal amount that exceeds that national conforming loan limit value for a one-unit property as determined by the federal housing finance authority.
Calling us or visiting our website will not preserve your rights to obtain verification of the debt or the original creditor's name and address, as such rights are only preserved by making a written request to us within 30 days of your receipt of this letter.
Denver Office: Stokes & Wolf P.C, 1776 S. Jackson Street, Suite 900, Denver, CO 80210. Office Phone: 303-753-0100. Office Fax: 303-753-0310
For Connecticut Residents:
Company Name: Gatestone & Co. Inc
NMLS # - CCA-BCH-1675435
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.
For Hawaii Residents:
Company Name: Gatestone & Co. Inc
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.
For Iowa Residents:
Company Name: Gatestone & Co. Inc
For Idaho Residents: You may send written communications to or reach us by telephone at: 100 N. West Street, Suite 1200, Wilmington, Delaware 19801 Phone: 800-900-4238
For Illinois Residents: License Name: Gatestone & Co. Inc
For Maine Residents: License Name: Gatestone & Co. Inc
For Maryland Residents: Add NMLS number and a link to the NMLS consumer access website: "to reach the NMLS Consumer Access website visit: https://www.nmlsconsumeraccess.org/."
For Massachusetts Residents: NOTICE OF IMPORTANT RIGHTS – THE BELOW IS A LIST OF STATE RIGHTS. FEDERAL OR OTHER STATE LAW MAY GRANT YOU DIFFERENT OR EVEN GREATER 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.
License Name: Gatestone & Co. Inc
Address: 100 N. West Street, Suite 1200, Wilmington, Delaware 19801 Phone: 800-900-4238 Office Hours: M-F 8am-5pm
For Minnesota Residents: THIS COLLECTION AGENCY IS LICENSED BY THE MINNESOTA DEPARTMENT OF COMMERCE. If this is a debt arising from hospital or healthcare services: If you feel that your concerns have not been addressed, please contact us at 1-800-900-4238 and allow us the opportunity to try and resolve them. Alternatively, you may address any concerns with the Minnesota Attorney General's Office, which can be reached by telephone at 651-296-3353 or 1-800-657-3787, by email at HOSPITAL.BILLING@AG.STATE.MN.US , or online at WWW.AG.STATE.MN.US/CONTACT. You also have the right to hire your own attorney to represent you in this matter.
License Name: Gatestone & Co. Inc
For Hampshire Residents
License Name: Gatestone & Co. Inc
For Nevada Residents: License Info:
License Name: Gatestone & Co. Inc
NV Collection Agency License #: CAD11887
Manager: Donal Cahill; Omaha, NE | 2143053 | NMLS #: CM12543
For a debt arising from services provided by a hospital, the following applies: If you pay or agree to pay the debt or any portion of the debt, the payment or agreement to pay may be construed as: (1) an acknowledgement of the debt; and (2) a waiver of any applicable statute of limitations set forth in NRS 11.190 that otherwise precludes the collection of the debt. In addition, if you do not understand, or have questions concerning your legal rights or obligations relating to the debt, you should seek legal advice.
For New York City Residents: We are required to inform you that we are able to provide limited language access services but cannot guarantee they will always be available. We are unable to provide a translation of any communication into a language other than English. A translation and description of commonly-used debt collection terms is available in multiple languages on the Department's website, www.nyc.gov/dcwp .
License Name: Gatestone & Co. Inc
New York City Department of Consumer Affairs Licenses:
For New York State City of Buffalo Residents: License: CAG11-173593
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: a) the use or threat of violence; b) the use of obscene or profane language; and c) 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 th following types of income from being taken to pay the debt:
Accommodation Request: You may request each written communication we send you in an alternative reasonably accommodatable format, e.g. large print, or other accommodative format, which we will select based on your needs. To request a written communication we have sent you in an alternative, reasonably accommodative format, please call us at: 800-900-4238.
For North Carolina Residents: North Carolina Department of Insurance Permits:
Licensee Name: Gatestone & Co. Inc
For North Dakota Residents:
Licensee Name: Gatestone & Co. Inc
For Oregon Residents:
Licensee Name: Gatestone & Co. Inc
NMLS # 48619
For Rhode Island Residents:
Licensee Name: Gatestone & Co. Inc
For Tennessee Residents: This collection agency is licensed by the Collection Service Board of the Department of Commerce and Insurance.
Licensed Location: 7015 L Street Omaha, Nebraska 68117 | License #: 357c
For Texas Residents:
Licensee Name: Gatestone & Co. Inc
For 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.
For Vermont Residents:
For Washington Residents: This collection agency is licensed as Gatestone & Co. Inc. Washington State Collection Agency Board: License #601774183
Branch Licenses:
For Washington DC Residents:
Licensee Name: Gatestone & Co. Inc
For West Virginia Residents:
Licensee Name: Gatestone & Co. Inc
For Wisconsin Residents Licensee Name: Gatestone & Co. Inc