Consumer Disclosures

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

Central Research, Inc. is located at 106 North Bloomington, Suite S, Lowell, AR 72745 Hours of Operation: MON-FRI 8am-5pm CST. Phone Number: 844-804-8467

Hardware and Software Requirements: 
In order to access, view and retain electronic communications that we make available to you, you must have the following:

  • Internet access and an email account;
  • Access to a printer in order to print documents;
  • Sufficient electronic storage capacity on your personal computer’s hard drive or other data storage unit;
  • Adobe Reader may be downloaded from this website https://get.adobe.com/reader/

Communications in writing: 
All communications that we send to you in either electronic or paper format will be considered to be communications “in writing”, and you should print or download copies of all such communications for your personal records.

Email Communications: 
To initiate communication by email, you must either call or write a letter providing your personal email address.  We are required to encrypt all email to consumers, and we will initiate an encryption process by sending you an email.  By emailing you are giving express consent to reply to your personal email. Your response also provides assurance that the email address provided is secure to your use. You may withdraw consent or opt out by emailing CRI. You may need Adobe Acrobat Reader to access some of the electronic records that may be sent to you.

SEE THE FOLLOWING INFORMATION FOR YOUR STATE OF RESIDENCE

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

Account Balance

Because of interest and other charges that may vary from day to day, the amount due on the day you pay may be greater. Hence, if you pay the current balance from a letter sent to you, an adjustment may be necessary after your payment is received, in which event we will inform you of any additional amount required to fully satisfy the debt.

Credit Reporting:

Central Research Inc. does not report to credit bureau reporting agencies. Our client, the U.S. Department of Education in compliance with the Higher Education Act of 1965, as amended, may provide updates concerning your student loan(s) held by them to consumer reporting agencies. The length of time information remains on a credit record depends on the consumer reporting agency’s policy and applicable laws. You should contact the appropriate consumer reporting agency for an explanation of its policy with regard to your credit record.

California

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

The California Consumer Privacy Act requires that we inform you that we collect the following categories of personal information from consumers for the purpose of servicing federal student loans: 1) Identifiers, such as name, address and social security number; 2) Professional or Employment-Related Information; 3) Audio in the form of recordings of telephone conversations; and 4) Education Information related to the federal student loans we service. For more information, or to access this notice in a different format, please see our Privacy Policy at https://www.central-research.com/privacy/.

Colorado

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

Colorado Office Address: 27 Willerup Suite B, Montrose, CO 81401
Colorado Office Phone Number: 1-970-249-7514

Maine

Hours of Operation: MON-FRI 8am-5pm CST. Our company street address is: 106 North Bloomington, Suite I, Lowell, AR 72745

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 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 CREDITOR.

Minnesota

This collection agency is licensed by the Minnesota Department of Commerce

Nevada:

If you pay or agree to pay the debt or any portion of the debt, the payment or agreement to pay may be construed as:

(1) Acknowledgment of the debt by you; and

(2) A waiver by you of any applicable statute of limitations as set forth in NRS 11.190 that otherwise precludes the collection of the debt; and if you do not understand or have questions concerning your legal rights or obligations relating to the debt, you should see legal advice.

New Hampshire Residents: Doing Business As: Central Research, Inc.

New York

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.

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

New York City Department of Consumer Affairs License Numbers: 2015275-DCA, 2078654-DCA, 2082218-DCA

New York City & Yonkers, NY Residents

Representative to Call: Karena Holt

North Carolina

North Carolina Permit Number: 112280, Primary Office Address: 106 North Bloomington St, Suite I, Lowell, AR 72745
North Carolina Permit Number: 113666, Branch Office Address: 5320 West Sunset Ave, Suite 169, Springdale, AR 72762
North Carolina Permit Number: 113842, Branch Office Address: 400 Belvedere Dr, Gallatin, TN 37066

Tennessee

This collection agency is licensed by the Tennessee Collection Service Board of the Department of Commerce and Insurance.

Washington

All correspondence mailed to Washington State Residents will include the Amount owing, interest rate, charges or costs and date of last payment to the creditor prior to referral to Central Research, Inc.