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Terms & Conditions

This is an attempt to collect a debt, and any information obtained will be for that purpose. This is a communication from a debt collector.

If you would like to talk to a Collection Specialist, please call 1-801-364-0777 Ext. 3 if you're in the Salt Lake City, Utah calling area. If not, you can call toll free: 1-800-364-6445 Ext 3 during our regular business hours: Monday thru Friday 8:00 A.M. to 5:00 P.M., Mountain Standard Time.

By submitting a credit card payment through this Service you agree to the terms and conditions of this Agreement and you agree to pay for this charge under the terms of the agreement you have with your credit card issuer. You further agree you are making this payment voluntarily and will not dispute the charge with your credit card company. This User Agreement forms a legally binding contract between you and N.A.R, Inc, and this Agreement constitutes a written agreement signed by you under any applicable law or regulation. Any rights not expressly granted herein are reserved by N.A.R, Inc. By clicking on the "Submit" button you are accepting these terms. Please remember to print this form for your records.

It is also agreed that our acceptance of a payment for less than the full amount you owe will not constitute an agreement by us to accept monthly payments. If you pay less than the full amount you owe, we reserve the right to continue with any and all collection action necessary to collect the entire balance due.

We are required under certain state laws to notify consumers residing in these states of the following rights. This list does not contain a complete list of the rights consumers may have under other state and/or federal laws.

California Residents: 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 Nonprofit counseling services may be available in the area.

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. Our Colorado office is located at: 2442 S. Downing St., Suite 102, Denver, CO 80210. The phone number to our local Colorado office is (303) 863-9500. Our toll free number is 800-364-6445. FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE HTTPS://COAG.GOV/OFFICE-SECTIONS/CONSUMER-PROTECTION/CONSUMER-CREDIT-UNIT/COLLECTION-AGENCY-REGULATION/.

Minnesota Residents: This collection agency is licensed by the Minnesota Department of Commerce.

Nevada Residents: If you agree to pay the debt or any portion of the debt, the payment or agreement to pay may be construed as: (1) an acknowledgment of the debt by you; and (2) a waiver by the consumer of any applicable statute of limitations set forth in NRS 11.190 that otherwise precludes the collection of the debt; and (3) if you do not understand or have questions concerning your legal rights or obligations relating to the debt, you should seek legal advice.

New York Residents: 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 misleading debt collection efforts, including but not limited to: (i) the use or threat of violence; (ii) the use of obscene or profane language; and (iii) 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. New York City Department of Consumer Affairs License Number: 2038291-DCA. Please, contact us if you have a language preference other than English and need additional translation assistance. A translation and description of commonly-used debt collection terms is available in multiple languages on the Department’s website,

North Carolina Residents: North Carolina permit number 112908.

Tennessee Residents: N.A.R., Inc. is a debt collection agency that is licensed by the Collection Service Board of the Department of Commerce and Insurance.
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