Unless you, the consumer, notify this law firm within thirty (30) days after receipt of our initial notice that you dispute the validity of the dept of any portion thereof, the debt will be assumed to be valid by this law firm. If you, the consumer, notify this law firm in writing within thirty (30) days after receipt of our initial notice, that the debt of any portion thereof is disputed, this law firm will obtain verification of the debt or a copy of a judgment against you and a copy of such verification or judgment will be mailed to you by this law firm. Upon your written request within thirty (30) days after receipt of our initial notice this law firm will provide you with the name and address of original creditor, if different from the current creditor.

For information about the Colorado Fair Debt Collection Practices Act, see www.ago.state.co.us/cab.htm.

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.

M&C, P.C. and the Creditor for your account appreciate the trust that is placed by you, and we recognize the importance of protecting the confidentiality of non-public information that we have in our possession.

M&C, P.C. and the Creditor for your account collect non-public personal information about you from the following sources: information we receive from you on applications or other forms; information about your transaction with us or our affiliates or others; and information we received from consumer reporting agencies and data bases. M&C, P.C. the Creditor for your account does not disclose any non-public personal information about you, or customers, or former customers except as permitted by law. In this regard, we disclose information as permitted by law to third parties to enforce transactions that you have requested or authorized. We do not resell or provide any information we gather to third parties who may wish to provide you with information about their products or services.

M&C, P.C. and the Creditor for your account restrict access to non-public personal information about you to our employees and others who need to know that information order to provide products or services to you. M&C, P.C. and the Creditor for your account  maintain physical, electronic, and procedural safeguards to protect your non-public personal information.