Your Options

This communication from a debt collector is an attempt to collect a debt, and any information obtained will be used for that purpose.
Calls to Credit Solutions may be recorded for compliance and quality control.

Links to Other Sites, This Site may contain links to other websites operated by third parties. These sites have not necessarily been reviewed by us and are maintained by third parties over which we exercise no control, and are not investigated, monitored, or checked for accuracy, appropriateness, completeness by us. Accordingly, we expressly disclaim any responsibility for the content, the materials, the accuracy of the information, and/or the quality of the products or services provided by these third-party websites. Inclusion of or linking to any third-party site or content does not imply approval or endorsement by us.

We operate as Credit Solutions, LLC, but are registered as:

a) Credit Solutions of Kentucky, LLC in Alabama, Arizona, Arkansas, Connecticut, Delaware, Florida, Iowa, Missouri, Nebraska, Nevada, New Jersey, Ohio, Pennsylvania, Rhode Island, Utah, Wisconsin.

b) Credit Solutions of Kentucky in New Hampshire, Vermont

c) Credit Solutions, LLC of Kentucky in Louisiana

d) Credit Medical Solutions, LLC in Oklahoma

e) CS Receivables Management, LLC in Texas

f)  Credit Solutions of Kentucky in Nevada

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.

Nonprofit credit counseling services may be available in the area.

You may request records showing the following: (1) that Credit Solutions has the right to seek collection of the debt; (2) the debt balance, including an explanation of any interest charges and additional fees; (3) the date the debt became delinquent or the date of the last payment; (4) the name of the creditor and the account number associated with the debt; (5) the name and last known address of the debtor as it appeared in the creditor’s records prior to assignment of the debt; and (6) 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: 2277 Thunderstick Dr., Suite 400, Lexington, KY 40505-9002.

This collection agency is licensed by the California Department of Financial Protection and Innovation. The license number is # 10480-99 expires 12/31/24.

Colorado: FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE 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 other action authorized by law to collect the debt. Address 27 North Willerup Suite B, Montrose, CO 81401,Phone number: 970-249-7514.

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 be reasonably be expected to involve, a principal amount that excess the national conforming loan limit value for a one-unit property as determined by the federal housing finance authority. 

District of Columbia: You have the right to request all the following concerning your debt;

1. Documentation of the name of the original creditor as well as the name of the current creditor or owner of your debt;
2. Your last account number with the original creditor;
3. A copy of the signed contract, signed application, or other documents providing evidence of your liability and its terms;
4. The date that your debt was incurred;
5. The date of your last payment, if applicable; and
6. An itemized accounting of the amount claimed to be owed including the amount of the principal, the amount of any interest, fees, or charges, and whether the charges were imposed by the original creditor, a debt collector, or a subsequent owner of the debt.

You may request the above information by contacting us by phone, mail, or email at the following: Phone: 877-265-1485, mail:2277 Thunderstick Dr, Ste 400, Lexington, KY 40505, email: consumerform@cs-llc.com

Minnesota: This collection agency is licensed by the Minnesota Department of Commerce. Minnesota – No Surprises Act.

If you feel your concerns have not been addressed, please contact (client specific phone number) and allow us the opportunity to try to 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 1-800-567-3787.

Credit Counseling Organizations – Disclosures 

1. Duties of commissioner.
   1. The commissioner shall develop and maintain a document that includes the contact information for nonprofit organizations domiciled in Minnesota that provide credit counseling services to debtors. Credit counseling services include but not limited to (1) helping debtors understand their rights and responsibilities, and (2) working with debtors, creditors, and collection agencies to satisfy debts. Contact information for organizations that provide credit counseling services in languages other than English to individuals whose primary language is other than English must be included. The document shall include the following statement in English, Spanish, Somali, Hmong, Vietnamese, and Chinese.

There are resources available to help manage your debt. The following Minnesota organizations offer debt and credit counseling services. The Department of Commerce does not control or guarantee any of the services provided by these organizations. The provision of this list is not a referral to, or endorsement or recommendation of, any organization or the organization’s services. 

1. The document shall be no more than one 8-1/2 by 11-inch sheet of paper. The commissioner shall maintain the document and make it publicly available on the department’s website in a printable format. The commissioner may update the document no more than once per year and must notify all licensed collection agencies after an update occurs. A collection agency has 120 days from receiving notice from the commissioner of an update to apply changes to the document. 

2. Duties of collection agency.

A collection agency must include the document described in subdivision 1, with the initial written communication sent to a debtor, if the initial communication is performed via United States mail, email, or text message. 

3. Effective dates.
4. This section is effective July 1, 2022.
5. The document required to be developed and maintained by the commissioner under subdivision 1, paragraph (a), must be completed in or before July 1, 2023. The document may be updated for the first time by the commissioner no earlier than September 1, 2024.
6. A collection agency must meet the requirements of subdivision 2 on or after September 1, 2023. Minn. Stat. § (West, WESTLAW through the 2022 1st Special Session).

New York:

You may request communications from us in an alternative, reasonably accommodated format selected by us such as large print or other means. You may call 844-228-9005 or 877-265-1485 to make such a request.

To better serve you, please advise us if you have any language preference other than English.  At this time, we have the following language access services available to you upon request: (1) Spanish speaking representatives, and, (2) translation of our written communications into Spanish.  In addition, a translation and description of commonly-used debt collection terms is available in multiple languages on New York City’s Department of Consumer Affairs’ website at www.nyc.gov/dca.

Debt collectors, in accordance with the Fair Debt Collection Practices Act, 15 U.S.C. Section 1692 et seq., are prohibited from engaging in abusive, deceptive, and unfair debt collection efforts, including but not limited to: a) the use or threat of 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.

New York City Department of Consumer Affairs License Number: 2015713-DCA I

New York – City of Yonkers License Number: 9650

New York – City of Buffalo License Number: CAG15-1 0031365

Nevada – For Nevada Residents:

Credit Solutions of Kentucky, LLC NMLS# 1001962

Jewell B. Tucker, III, Compliance Manager #CM12445 NMLS# 2376777

NRS 649.332  Verification of claim.

1.  To verify a claim, a collection agency shall:

(a) Obtain or attempt to obtain from the creditor any document that is not in the possession of the collection agency and is reasonably responsive to the dispute of the debtor, if any; and

(b) If such a document is obtained, mail the document to the debtor.

2.  When collecting a claim on behalf of a hospital, within 5 days after the initial communication with the debtor in connection with the collection of the claim, a collection agency shall, unless the following information is included in the initial communication, send a written notice to the debtor that includes a statement indicating that:

(a) If the debtor pays or agrees to pay the claim or any portion of the claim, the payment or agreement to pay:

(1) May be construed as an acknowledgment of the claim by the debtor; and

(2) As provided in NRS 11.200, does not constitute a waiver by the debtor of any applicable statute of limitations set forth in NRS 11.190 that otherwise precludes the collection of the claim; and

(b) If the debtor does not understand or has questions concerning his or her legal rights or obligations relating to the claim, the debtor should seek legal advice.

3.  As used in this section, “hospital” has the meaning ascribed to it in NRS 449.012.

(Added to NRS by 2007, 2500; A 2023, 3601)

North Carolina: North Carolina Department of Insurance Company # 119501063

Tennessee: Credit Solutions, LLC is a collection agency licensed by the Collection Service Board of the Department of Commerce and Insurance.

By providing your cell phone number and opting in, you have provided Credit Solutions, LLC with consent to send you text messages in conjunction with the services you have requested.

* Msg&data rates may apply.
* To opt-out, Text STOP to 49722. An opt-out confirmation message will be sent back to you.
* To request support, Text HELP to 49722 or email us at consumerform@cs-llc.com.
* Message frequency will vary.
* Carriers are not liable for delayed or undeliverable messages.