Product: Debt collection

idwest Recovery Systems, LLC. Hours of Operation : XXXX. XXXX XXXX XXXX : XXXX XXXX. - XXXX XXXX 
XXXX, MO XXXX Friday : XXXX XXXX. - XXXX XXXX. 
Toll-Free # : XXXX Website : www.mrs-direct.com XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX MRS Reference # : XXXX Current Creditor : XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX FL Account # : XXXX Account Balance : {$870.00} XX/XX/2019 Dear XXXX XXXX, This letter is sent on behalf of the current creditor listed above, regarding the amount that is now owed on the above referenced debt. The amount due is {$870.00}. If eligible, this account may be reported to all 3 of the major credit bureaus as a collection account. If you wish to know if your account is being reported, you may contact our office at the toll-free number provided. Please send the total amount due to the address listed above. 

We understand that many consumers are experiencing financial difficulty in this economy and would like to help you find a resolution. Please contact our office to speak with a representative at XXXX, or visit us online at www.mrs-direct.com/payment.html. 

This communication is from a debt collector. This is an attempt to collect a debt. Any information obtained will be used for that purpose. 

NOTICE Unless you notify this office within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid. If you notify this office in writing within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment of verification. 
If you request of this office in writing within 30 days after receiving this notice this office will provide you with the name and address of the original creditor, if different from the original creditor. 

DISCLOSURES We are required under state law to notify customers of the following rights. This list does not contain a complete list of the rights consumers have under state and federal law. 

California : The state Rosenthal Fair Debt Collection Practices Act and the federal fair Debt Collections Practices Act require that, except under unusual circumstances, collectors may not contact before XXXX XXXX or after XXXX XXXX.

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 commissions at 1-877-FTC -HELP or www.ftc.gov Colorado : 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 http : //WWW.COLORADOATTORNEYGENERAL.GOV/CA Wisconsin : This collection agency is licensed by the : Office of the Administrator of the Division of Banking, XXXX XXXX  XXXX, XXXX, WI XXXX New York ( due to XXXX  XXXX ) : XXXX XXXX XXXX Department of Consumer Affairs License Number XXXX. 
Maine : Our hours of operation are Monday-Thursday XXXX XXXX & Friday XXXX Central Time. 

Massachusetts : 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 ( 10 ) days unless you provide written confirmation of the request postmarked or delivered within seven ( 7 ) days of such request. You may terminate this request by writing to the collection agency. Agency hours If  you no longer wish to receive these emails. Reply no more emails to XXXX at any time.