Legal Notice

Important Notice Required By Law

Real Time Resolutions, Inc. is engaged in the collection of debts. This communication is an attempt to collect a debt and any information obtained will be used for that purpose. However, if you are currently in bankruptcy or have received a discharge in bankruptcy, this letter is not an attempt to collect a debt from you personally to the extent it is included in your bankruptcy or has been discharged, but is provided for informational purposes only.

Credit Bureau Reporting

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.

The following notices apply to persons residing in the following states. We are required under state law to notify consumers of the following rights. This list does not contain a complete list of the rights consumers have under federal and state law.

California Residents Only

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 8:00 a.m. or after 9:00 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

Colorado Residents Only

For information about the Colorado fair debt collection practice act, see

In-State Office:
Colorado Manager, Inc.
80 Garden Center
Suite 3
Broomfield, CO 80020

Phone: (303) 920-4763

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.

Massachusetts Residents Only

Hours of Operation: Mon - Thu: 7:00 a.m. - 9:00 p.m., Fri: 7:00 a.m. - 6:00 p.m., Sat: 10:00 a.m. - 2:00 p.m. Central

Resident Agent:
Bob Kebartas
15 Union Street
Lawrence, MA 01840

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 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.

Minnesota Residents Only

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

North Carolina Residents Only

North Carolina Department of Insurance Permit Number: 3545

New York Residents Only

New York City Department of Consumer Affairs License Number: 1077970

Tennessee Residents Only

Tennessee Collection Service Agency License Number: 439

Wisconsin Residents Only

This collection agency is licensed by the Division of Banking in the Wisconsin Department of Financial Institutions,

Physical Address

Real Time Resolutions, Inc.

1349 Empire Central Dr.
Suite 150
Dallas, TX 75247