You should consider contact with us as an attempt to collect a debt as we sometimes act
as a debt collector. Any information provided by you will be used to collect this debt.
However, if you are in bankruptcy or received a bankruptcy discharge of this debt, any
information obtained from you will be maintained for informational purposes only.
If you notify us that you do not want to be contacted by telephone at your place of
employment, we will not contact you there.
If you notify us that you refuse to pay the debt or that you wish us to cease further
communication with you, we will not communicate with you except to advise you that our
efforts are being terminated, that we may invoke specific remedies ordinarily invoked by
collection agencies, and, if applicable, that we intend to take a specific remedy permitted by law.
We may report information about your account to credit bureaus. Late payments, missed
payments, or other defaults on your account may be reflected in your credit report.
The following states require that disclosures be provided in certain circumstances. You
may also have rights in those or other states not specifically mentioned below.
If you are a COLORADO Resident:
Seterus maintains a local office at 355 Union Boulevard, Suite 250, Lakewood, CO 80228, 888.738.5576.
If you are a Massachusetts Resident or if you own collateral in the state of 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 debt collector.
You may contact our offices during the following times: Monday-Friday 8 a.m. to 5 p.m. (U.S. Continental
If you are a NEW YORK Resident:
THIS COLLECTION AGENCY IS LICENSED BY THE CITY OF NEW YORK, LICENSE NUMBERS 1411662, 1411665, 1411669.
THIS COLLECTION AGENCY IS ALSO LICENSED BY THE CITY OF BUFFALO, LICENSE NUMBER (CAG11-564207).
Please click here
for a schedule of fees and costs that
Seterus charges on New York loans.
If you are a TEXAS Resident:
TEXAS MORTGAGE BANKER DISCLOSURE
Residential Mortgage Loan Originator: SETERUS, INC.
NMLS ID: 787641
If you own collateral in the state of TEXAS
PURSUANT TO THE REQUIREMENTS OF SECTION 157.007 OF THE MORTGAGE BANKER REGISTRATION
AND RESIDENTIAL MORTGAGE LOAN ORIGINATOR ACT, CHAPTER 157, TEXAS FINANCE CODE, YOU
ARE HEREBY NOTIFIED OF THE FOLLOWING:
CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED
MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE, SIGN AND SEND
A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH
LAMAR, SUITE 201, AUSTIN, TEXAS 78705. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT
1-877-276-5550. A complaint form and instructions may be downloaded and printed from
the Department’s website located at www.sml.texas
or obtained from the department upon request by mail at the address above, by telephone
at its toll-free consumer hotline listed above, or by email at firstname.lastname@example.org.
THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT
OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER
RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM
THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO
THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT
THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV
If you are a UTAH Resident:
AS REQUIRED BY 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 OBLIGATION UNTIL THE EXPIRATION
OF ANY TIME PERIOD DESCRIBED.