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Please be advised that any payment in an amount less that the actual due balance owing that is forwarded to NCA without its prior specific agreement will not constitute a full and final settlement and will be accepted as partial payment only. No accord and satisfaction is valid unless signed by an authorized office of NCA.

Certain state laws require us to notify consumers, of those states, of their following rights. This list does not contain a complete list of rights consumers have under Federal and State law.

NCA, in efforts to communicate with you regarding your account will call all phone numbers provided, and or located as a means to verbally communicate with you. This includes personal cellular phone numbers. Calls may be dialed by our live agents and or our automated dialer system; live and automated voice messages may also be left. Upon receipt of this letter, the applicable card agreement is herewith amended to specifically permit such calls unless you opt out. Should you choose to not receive calls to your personal cellular phone number(s) you must notify NCA in writing. Send your written request to NCA c/o: Cell Phone Opt Out 1731 Howe Ave #254 Sacramento, CA 95825. Please identify all cellular phone numbers you wish NCA to omit from calls being made.

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