This is an attempt to collect a debt by a debt collector; any information obtained will be used for that purpose.

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 www.ftc.gov.

You may request records showing the following: (1) that Southwood Financial, LLC has the right to seek collection of the debt; (2) the debt balance, including an explanation of any interest charges and additional fees; (3) the date of default or the date of the last payment; (4) the name of the charge-off creditor and the account number associated with the debt; (5) the name and last known address of the debtor as it appeared in the charge-off creditor’s or debt buyer’s records prior to the sale of the debt, as appropriate; and (6) the names of all persons or entities that have purchased the debt. You may also request from us a copy of the contract or other document evidencing your agreement to the debt.

A request for these records may be addressed to:

Address: 45610 Woodland Road, Sterling, VA 20166
Phone: (703) 674-4718
Toll-free: (888) 376-1775
E-mail Address: info@swfin.com

California Debt Collection License Number – 11349-99

Colorado Residents

FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE WWW.COAG.GOV/CAR

You have 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.

In-state Residence office: 7200 South Alton Way, Suite B-180, Centennial, Colorado 80112.
Local Phone Number: 303-768-0200
Colorado License Number: CAR-1001002

Connecticut Residents

Connecticut Consumer Collection Agency License Number: CCA-2490252

District of Columbia Residents

If your debt has not been reduced to a judgment by a court, you have the right to request the following information concerning your debt: (1) The name of the original creditor, and the name of any other owners of your debt, including the current owner; (2) Your last account number with the original creditor; (3) A copy of the signed contract, signed application, or other documents which show your obligations; (4) The date that your debt was incurred; (5) The date of your last payment, if applicable; and (6) An itemized accounting of the alleged debt, including the amount of any principal, interest, fees, or charges, and whether the charges were imposed by the original creditor, a debt collector, or other owner of the debt. For credit card or revolving credit accounts, the itemized accounting is measured from the charge-off balance.

If your debt has been reduced to a judgment by a court, you have a right to copy of the judgment, documentation establishing that the debt collector is the owner of the judgment, and an itemized accounting of the current balance due on the judgment.

You may request the above information by contacting us by phone, mail, or email, at the following:

Address: 45610 Woodland Road, Sterling, VA 20166
Phone: (703) 674-4718
Toll-free: (888) 376-1775
E-mail Address: info@swfin.com

Si su deuda no ha sido reducida a sentencia judicial, tiene derecho a solicitar la siguiente información sobre su deuda:

(1) El nombre del acreedor original, y el nombre de cualquier otro propietario de su deuda, incluido el propietario actual; (2) Su último número de cuenta con el acreedor original; (3) Una copia del contrato firmado, solicitud firmada u otros documentos que demuestren sus obligaciones; (4) La fecha en que se contrajo su deuda; (5) La fecha de su último pago, si corresponde; (6) El detalle de la presunta deuda, en donde se incluya el monto de cualquier capital, intereses, comisiones o cargos, y si los cargos los impuso el acreedor original, un cobrador de deudas u otro propietario de la deuda. En el caso de cuentas de tarjeta de crédito o crédito rotativo, el detalle se mide a partir del saldo incobrable. Si un tribunal ha dictado sentencia con respecto a su deuda, usted tiene derecho a recibir una copia de la sentencia, una documentación en donde se establezca que el cobrador de la deuda es el propietario de la resolución y un detalle del saldo actual a pagar según la resolución. Para solicitar la información que antecede, puede comunicarse con nosotros por teléfono, correo postal o correo electrónico de la siguiente dirección:

Dirección: 45610 Woodland Road, Sterling, VA 20166
Teléfono: (703) 674-4718
Correo electrónico: info@swfin.com

You might have income or resources that are protected from being taken by debt collectors. These might include certain sources of income, funds, or property, including, but not limited to, Social Security, Supplemental Security Income (SSI), disability or unemployment benefits, veteran’s benefits, or child support payments. If you believe your property or income may be protected, you may wish to seek legal advice, including at a legal services provider or legal aid office, before paying this debt.

Hawaii

The Hawaii Department of Commerce and Consumer Affairs licenses Southwood Financial LLC; our license number is COLAX-1254

Massachusetts Residents

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 only for 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 Southwood Financial LLC, 45610 Woodland Road, Sterling, VA 20166 or by email at info@swfin.com.

Minnesota

Southwood Financial, LLC is licensed by the Minnesota Department of

Commerce: our license number is 40887582. The Minnesota Student Loan Servicer license number is MN-SLS-2490252.

MN Credit Counseling Services: https://mn.gov/commerce-stat/pdfs/2023_credit_counseling_all.pdf

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 unfair 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.

We are required by law to give you the following information: 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.

You have the right to request written communications from us in a larger print format. If you would like to receive future written communications in a larger print size. You may make this request by.

Mail: 45610 Woodland Road, Sterling, VA 20166
Phone: (703) 674-4718
Toll-free: (888) 376-1775
E-mail Address: info@swfin.com

Currently, we are only able to accommodate requests for large print and do not offer Braille or audio versions of communications.

New York City Residents

We do not provide language access services or translation of any communications into a language other than English. A translation and description of commonly used debt collection terms is available in multiple languages on the New York City Department of Consumer Affairs website, www.nyc.gov/dca.

New York City License Number: 2121364-DCWP

North Carolina Residents

Southwood Financial, LLC is licensed by the North Carolina Department of Insurance; permit number 521629470.

45610 Woodland Road
Sterling, VA 20166
Permit Number: CA104510