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Disputes

WITH YOUR PERMISSION, WE CAN PROVIDE YOU WITH ELECTRONIC VERSIONS OF DOCUMENTS ASSOCIATED WITH YOUR ACCOUNT(S) AT OXYGEN XL RATHER THAN IN PAPER FORM. THE DOCUMENTS INCLUDE NOTICES, DISCLOSURES, RECORDS, AND OTHER INFORMATION IN CONNECTION WITH ANY OF YOUR CURRENT OR FUTURE ACCOUNT(S) AT OXYGEN XL. PROVIDING CONSENT DOES NOT MEAN THAT WE WILL PROVIDE ALL DOCUMENTS ELECTRONICALLY, BUT THAT WE MAY PROVIDE ELECTRONIC VERSIONS IN ACCORDANCE WITH YOUR PREFERENCES. ELECTRONIC DOCUMENTS WILL BE DELIVERED TO YOU VIA EMAIL AT THE EMAIL ADDRESS PROVIDED BY YOU. BY CLICKING BELOW, YOU AGREE TO THE ABOVE.

By checking this box, I agree to receive communications from Oxygen XL. and it's ok to call/text me at my number above including with an autodialer/prerecorded message, even if it's on a Do Not Call list. I understand that my agreement is not required to use products and services through Oxgen XL and I can opt out anytime from these communications.

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

State of California:

The state Rosenthal Fair Debt Collection Practices Act and the federal Fair Debt Collection Practice 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 877-FTC-HELP or www.ftc.gov.

State of Colorado:

FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE
HTTPS://COAG.GOV/OFFICE-SECTIONS/CONSUMER-PROTECTION/CONSUMER-CREDITUNIT/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 other action authorized by law to collect the debt."

State of Illoinos:

We will provide you with the name and address of the original creditor, if different from the current credit

New York City:

NYC New York City Department of Consumer Affairs license numbers: 2096453

State of 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: a) the use of threat or violence b) the use of obscene or profane language; and c) 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.

We do not offer services in any language other than English. For a translation and description of commonly-used debt collection terms in a consumer's preferred language, you may visit the NYC Department of Consumer and Worker Protection (new name for Department of Consumer Affairs) website at www.nyc.gov/dca.

You may request written communications in an alternative, reasonably accommodatable format selected by our company such as large print; please contact us at (845) 723-3077.

State of Ohio:

Alternatively, if you have a complaint about the way we are collecting your debt, please contact the Ohio Attorney General’s Office online at www.ohioattorneygeneral.gov; by telephone at 1-800-282-0515 between the hours of 8 A.M. to 7 P.M. Eastern Time, Monday through Friday; or by mail at 30 E. Broad St., 14th Floor, Columbus, OH 43215.

From time to time, Oxygen XL (we, us or Company) may be required by law to provide to you certain written notices or disclosures. Described here are the terms and conditions for providing to such notices and disclosures electronically