Carmel Servicing LLC is licensed and registered in the jurisdictions listed below. Consumers may also contact their state regulatory agency for assistance. Please scroll for state-specific notices.
Electronic Communications Notice
If we send you any legally required debt collection disclosures electronically, we do so in a way reasonably expected to provide actual notice and, in a form, you can keep, consistent with 12 C.F.R. §1006.42 (Regulation F).
Licensed by the California Department of Financial Protection and Innovation under License No. CA-2015071.
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 more information about debt collection activities, you may contact the Federal Trade Commission at 1-877-FTC-HELP or www.ftc.gov.
California Privacy Rights: The CPRA gives California consumers the right to opt out of the sale of their personal information. Carmel Servicing does not sell or share your personal information.
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 more information about the Colorado Fair Debt Collection Practices Act, see www.coag.gov/car.
Carmel Servicing is licensed as a debt collection agency by the Illinois Department of Financial and Professional Regulation.
For verification and complaints, visit idfpr.illinois.gov.
NOTICE: Massachusetts law prohibits a debt collector from making more than two telephone calls to a debtor within a seven-day period regarding a particular debt (940 CMR 7.04).
NOTICE OF IMPORTANT RIGHTS: You have the right to make a written or oral request that telephone calls regarding your debt 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.
Licensed by the Maryland Commissioner of Financial Regulation.
For more information or to verify license status, visit the NMLS Consumer Access website at nmlsconsumeraccess.org.
Carmel Servicing is licensed by the Minnesota Department of Commerce.
This collection agency is licensed by the North Dakota Department of Financial Institutions. License No. CA105174.
Medical Accounts Notice: Pursuant to Nevada law, if you pay or agree to pay the debt or any portion of the debt, the payment or agreement to pay: (1) may be construed as an acknowledgement of the debt by you; (2) does not constitute a waiver by you of any applicable statute of limitations set forth in NRS 11.190 that otherwise precludes the collection of the debt. If you do not understand or have questions concerning your legal rights or obligations relating to that debt(s), you should seek legal advice.
60-Day Medical Debt Notice (SB 248; NRS 649.366): No action to collect a medical debt will occur before the 60-day notice period expires.
Special acknowledgment / statute-of-limitations warnings apply to hospital accounts after the period (NRS 649.332(2)).
Notice for New York City Residents: The New York City Department of Consumer and Worker Protection (DCWP), formerly the Department of Consumer Affairs (DCA), requires us to ask for your language preference for reporting purposes. If you wish to share your preference, send us an email or contact our office by phone.
All communications are in English with the following exception, which may vary by creditor: Spanish-speaking agents are available by phone upon request, and other telephone translations may be available through Language Line Solutions, a third-party service provider. Written communications may be available in Spanish upon request.
A translation and description of commonly used debt collection terms are available in multiple languages at www.nyc.gov/dca.
We follow NYC DCWP's debt collection rules, including limits on contact attempts and your right to dispute a debt at any time.
For information about your rights concerning debt collection, visit the NYC Department of Consumer and Worker Protection website.
In addition to any practices prohibited under any federal, state or local law, a debt collection agency shall not contact a consumer about or seek to collect a debt on which the statute of limitations for initiating legal action has expired unless such agency first provides the consumer such information about the consumer's legal rights as the commissioner prescribes by rule.
We follow NYC DCWP's debt collection rules, including limits on contact attempts and your right to dispute a debt at any time. A translation and description of commonly used debt collection terms is available at NYC DCWP.
This collection agency is licensed and registered by the Oregon Division of Financial Regulation. License No. 2748298.
Additional state licensing information available upon request.
Consumers may also contact their state regulatory agency for assistance.
Carmel Servicing reviews these disclosures regularly. Contact support@carmelservicing.com with questions.
This is an attempt to collect a debt and any information obtained will be used for that purpose.