The following notice is required by Colorado law.

Unless you dispute the validity of this debt, or any portion of it, within 30 days after you receive this notice, we will assume that it is valid. If you notify us in writing within the same 30 day period that you dispute this debt or any portion of it, we will obtain verification of the debt or a copy of a judgment, if any, and mail it to you. Upon your written request within the same 30 day period, we will provide the name and address of the original creditor, if different from the current creditor.

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/.

The following notice is required by Michigan law.

Unless you dispute the validity of this debt, or any portion of it, within 30 days after you receive this notice, we will assume that it is valid. If you notify us in writing within the same 30 day period that you dispute this debt or any portion of it, we will obtain verification of the debt or a copy of a judgment, if any, and mail it to you. Upon your written request within the same 30 day period, we will provide the name and address of the original creditor, if different from the current creditor.

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.