Arkansas In all written communications, must include the specific reason for the communication, the name of the creditor, the registered name of the agency and the date of the communication.
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 8am. or after 9pm. 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:

  • that FFR, Inc. has the right to seek collection of the debt;
  • the debt balance, including an explanation of any interest charges and additional fees;
  • the date the debt became delinquent or the date of the last payment;
  • the name of the creditor and the account number associated with the debt;
  • the name and last known address of the debtor as it appeared in the creditor’s records prior to assignment of the debt; and
  • the names of all persons or entities other than the debt collector to which the debt has been assigned, if applicable.

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: FFR, Inc., 492 Old Connecticut Path, Suite 101, Framingham, MA 01701 or  web@ffrcollects.com.

Nonprofit credit counseling services may be available in the area.

The California license number issued to FFR, Inc. is 11460-99.
Colorado Colorado law prohibits credit bureaus from reporting medical debt or factoring medical debt into a credit score unless the consumer report is to be used in connection with a credit transaction that involves, or that may reasonably be expected to involve, a principal amount that exceeds the national conforming loan limit value for a one-unit property as determined by the federal housing finance authority.

For information about the Colorado Fair Debt Collection Practices act, see here:  https://coag.gov/office-sections/consumer-protection/consumer-credit-unit/collection-agency-regulation/

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 action authorized by law to collect the debt.

Colorado residents (medical debt only): pursuant to Colorado law, discounts for hospital services are available for qualified individuals. See the written explanation of patient rights online at Colorado department of health care policy & financing explanation website at hcpf.colorado.gov/colorado-hospital-discounted-care.
Connecticut The Company’s NMLS ID for Connecticut is 951453

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

The law limits how long you can be sued on a debt. Because of the age of your debt, First Financial Resources, Inc. will not sue you for it. If you do not pay the debt, First Financial Resources, Inc. may report or continue to report it to the credit reporting agencies as unpaid.
District of Columbia 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:

  • The name of the original creditor, and the name of any other owners of your debt, including the current owner;
  • The name of the original creditor, and the name of any other owners of your debt, including the current owner
  • Your last account number with the original creditor;
  • A copy of the signed contract, signed application, or other documents which show your obligations;
  • The date that your debt was incurred;
  • The date of your last payment, if applicable; and
  • 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.

You may request the above information by contacting us by phone, mail, or email, at the following:
Address: 492 Old Connecticut Path, Suite 101, Framingham, MA 01701
Phone: 800-747-2302
E-mail Address: web@ffrcollects.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.
Georgia Toll-free telephone number: 800-747-2302.

This is an attempt to collect a debt and any information obtained will be used for that purpose.
Hawaii Toll-free telephone number: 800-747-2302.

This is an attempt to collect a debt and any information obtained will be used for that purpose.
Idaho In all written communications, must include disclosure of financial or managerial interest in creditor by debt collection agency and/or disclosure of financial or managerial in debt collector by creditor, where applicable.

Toll-free telephone number: 800-747-2302
Illinois In all written communications, must include the specific reason for the communication, the name of the creditor, the registered name of the agency, and the date of communication.
Iowa In all written communications, must include the name and debt collector’s full business address.
Kansas If pulling credit reports, An investigative consumer report, which includes information as to your character, general reputation, personal characteristics and mode of living, has been requested. You have the right to request additional information, which includes the nature and scope of the investigation.
Maine Toll-free telephone number: 800-747-2302

Our operating hours are Monday – Friday 8am-5pm EST

Our physical address is 492 Old Connecticut Path, Suite 101, Framingham, MA 01701

This is an attempt to collect a debt, any information obtained will be used for that purpose.
Maryland The Commissioner of Financial Regulation for the State of Maryland will accept all questions or complaints from Maryland residents regarding FFR, Inc. NMLS# 951453 at 1100 North Eutaw Street, Suite 611, Baltimore, Maryland 21201, phone (888) 784-0136

https://www.nmlsconsumeraccess.org/
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 debt collector.

Toll-free telephone number: 800-747-2302. Our operating hours are Monday – Friday 8am-5pm EST

If collecting time-barred debt;

We are required by regulation of the Massachusetts attorney general to notify you of the following information. This information is not legal advice: this debt may be too old for you to be sued on it in court. If it is too old, you cannot be required to pay it through a lawsuit. Take note: you can renew the debt and the statute of limitations for the filing of a lawsuit against you if you do any of the following:

Make any payment on the debt; sign a paper in which you admit that you owe the debt or in which you make a new promise to pay; sign a paper in which you give up or waive your right to stop the creditor from suing you in court to collect the debt. While this debt may not be enforceable through a lawsuit, it may still affect your ability to obtain credit or affect your credit score or rating.
Michigan This is an attempt to collect a debt and any information obtained will be used for that purpose.
Minnesota This collection agency is licensed by the Minnesota Department of Commerce.

If you feel that your concerns have not been addressed, please contact our office at 800-747-2302 and allow us the opportunity to try and address your concerns. Or, you have the option to address any concerns with the Minnesota Attorney General’s Office, which can be reached at 651-296-3353 or 1-800-657-3787. We are required by MN law to inform you that you have the right to hire your own attorney to represent you in this matter.
New Hampshire In all written communications, must include the name and debt collector’s full business address.
New Mexico The FFR, Inc. Collection Agency NMLS # 951453 – License # CA02524

We are required by New Mexico Attorney General Rule to notify you of the following information. This information is not legal advice: This debt may be too old for you to be sued on it in court. If it is too old, you can’t be required to pay it through a lawsuit. You can renew the debt and start the time for the filing of a lawsuit against you to collect the debt if you do any of the following: make any payment of the debt; sign a paper in which you admit that you owe the debt or in which you make a new promise to pay; sign a paper in which you give up (“waive”) your right to stop the debt collector from suing you in court to collect the debt.
New York City FFR, Inc. offers the following language access services to NYC consumers: 1) the option to speak with FFR, Inc. representative in Massachusetts. In addition, a translation and description of commonly-used debt collection terms is available in multiple languages on the NYC Department of Consumer Affairs website, www.nyc.gov/dca

New York City Department of Consumer Affairs license numbers: 1404141-DCA

FFR, Inc. offers bilingual services to Spanish and Portuguese speaking consumers.

You may call our office at the toll free telephone number on the front side of this letter during normal business hours.  The current creditor and the originating creditor on the front side of this letter.

This is an attempt to collect a debt and any information obtained will be used for that purpose.
New York State In accordance with the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq., debt collectors 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 regulation of the New York State Department of Financial Services to notify you of the following information. This information is NOT legal advice: Your creditor or debt collector believes that the legal time limit (statute of limitations) for suing you to collect this debt may have expired. It is a violation of the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq., to sue to collect on a debt for which the statute of limitations has expired. However, if the creditor sues you to collect on this debt, you may be able to prevent the creditor from obtaining a judgment against you. To do so, you must tell the court that the statute of limitations has expired. Even if the statute of limitations has expired, you may choose to make payments on the debt. However, be aware: if you make a payment on the debt, admit to owing the debt, promise to pay the debt, or waive the statute of limitations on the debt, the time period in which the debt is enforceable in court may start again. If you would like to learn more about your legal rights and options, you can consult an attorney or a legal assistance or legal aid organization.

FFR, Inc. is not a law firm. FFR, Inc. does not intend to obtain a money judgment, or seek any other relief, against you in court. The New York State Department of Financial Services, however, requires that the following notice be provided:

If a creditor or debt collector receives a money judgment against you in court, state and federal laws 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 may request communications in an alternative, reasonably accommodatable format such as large print, braille, audio compact disc, or other means. You may make a request for alternative communications by calling toll-free 800-747-2302 during regular business hours.
North Carolina In all written communications, must include the name and debt collector’s full business address.

North Carolina Permit #: 119506600
Rhode Island The State of Rhode Island general laws prohibit credit bureaus from reporting medical debt or factoring medical debt into a credit score.
Tennessee This collection agency is licensed by the Tennessee Collection Services Board of the Department of Commerce and Insurance.
Texas The law limits how long you can be sued on a debt. Because of the age of your debt, we will not sue you for it. If you do not pay the debt, First Financial Resources, Inc. may report or continue to report it to the credit reporting agencies as unpaid for as long as the law permits this reporting. This notice is required by law.
Utah As required by Utah law, 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. But we will not submit a negative credit report to a credit reporting agency about this credit obligation until the expiration of the time period.
Vermont Toll-free telephone number: 800-747-2302.

In initial notice, must include the name and debt collector’s full business address.

This is an attempt to collect a debt, any information obtained will be used for that purpose.
Washington You have the right to request the original account number or a redacted version of the original account number assigned to the debt, the date of last payment, and an itemized statement.  You may be eligible for charity care from the creditor referred on the first page.  Please contact them directly for information on charity care.
West Virginia Toll-free telephone number: 800-747-2302.

The law limits how long you can be sued on a debt. Because of the age of your debt, FFR, Inc. cannot sue you for it. If you do not pay the debt, FFR, Inc. may report or continue to report it to the credit reporting agencies as unpaid.

This is an attempt to collect a debt and any information obtained will be used for that purpose.
Wisconsin In all written communication, must include the licensed name, debt collector’s full business address and telephone number both as part of the letterhead and on the portion of the notice designed to be returned to the agency with consumer’s response/payment.

This collection agency is licensed by the Division of Banking in the Wisconsin Department of Financial Institutions, www.wdfi.org
Wyoming This is an attempt to collect a debt, any information obtained will be used for that purpose.

DBA Names: “FF”, “FFR Collects”, “FFR Collects, Inc.”, “First Financial Resources of MA, Inc.”