This is an attempt to collect a debt.  Any information obtained will be used for that purpose.  This is a communication from a debt collector. Harris & Harris, Ltd. is a collection agency. 

If you have any questions or would like to talk with a live collection specialist, please call 312-251-2300. 

If you wish to communicate with us by mail, please send correspondence to: 

Harris & Harris, Ltd. 
Attention: Consumer Assistance 
111 W. Jackson Blvd 
Suite 650 
Chicago, IL 60604 

Learn more about your rights under federal law. For instance, you have the right to stop or limit how we contact you. Go to www.consumerfinance.gov. 

Office Hours: Monday-Friday 7:00am to 7:00pm CST, except Holidays. 

Making a payment does not overshadow a consumer’s right to dispute the debt or to request the name and address of the original creditor as described in our initial notice. 

We are required under state and federal law to notify consumers of the following rights. This list does not contain a complete list of the rights consumers have under state and federal law. 

California 

Our license number is 10670-99. 

California Consumer rights notification information:  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. 

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.  

You may request records showing the following: (1) that Harris & Harris, Ltd. 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: Harris & Harris, Ltd. 111 W. Jackson Blvd., Suite 650, Chicago, IL 60604. 

If you owe a debt to a hospital, the law requires that we wait at least 180 days from the date you were initially billed for the hospital services that are the basis of the debt before reporting adverse information to a credit reporting agency or filing a lawsuit. 

Please note that we do not sell personal information. For more information on how we collect, use, and disclose personal information subject to the California Consumer Privacy Act (“CCPA”), please visit https://www.harriscollect.com/california-consumer-privacy-act-ccpa-notice. 

Colorado 

The Colorado contact information for Harris & Harris, Ltd. Is: 8690 Wolff Court, Suite 110, Westminster, CO 80031 Phone: (303) 920-4763. 

Notice of rights:  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. 

FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE  HTTPS://COAG.GOV/CAR. 

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. 

District of Columbia 

You have the right to request all of 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 website, at the following:  Harris & Harris, 111 W. Jackson Blvd., Suite 650, Chicago, IL 60604; 1-312-251-2300; www.harriscollect.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. 

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. 

Minnesota 

This collection agency is licensed by the Minnesota Department of Commerce. 

You may contact the Minnesota Attorney General’s Office at 651-296-3353 or 1-800-657-3787. You have the right to hire your own attorney to represent you in this matter. 

Nevada 

Our Nevada Collection Agency License Number is CAD11594. 

Our Nevada Compliance Manager Certificate Identification Number is C10256. 

If you owe a debt to a hospital (as defined by NRS 449.012), please be aware that if you pay or agree to pay the debt or any portion of the debt, the payment or agreement to pay: (1) may be construed as an acknowledgment of the debt by you; and (2) as provided in NRS 11.200, does not constitute a waiver by you of any applicable statute of limitations set forth in NRS 11.190 that otherwise precludes the collection of the debt. If you do not understand or have questions concerning your legal rights or obligations relating to the debt, you should seek legal advice. 

New Mexico 

Information about the Surprise Billing Protection Act, 2019 N.M. SB 337, can be obtained online at https://www.osi.state.nm.us/ or by contacting the Office of Superintendent of Insurance at 1120 Paseo de Peralta, Ste. 428, Santa Fe, NM 87501 or 1-855-427-5674. 

MEDICAL DEBTS: The following information is available and will be provided to you upon your request: the service date; amount and nature of all charges; whether the patient is verified as having health insurance; whether the health care facility screened the patient for programs that assist with health care costs; and whether the health care facility or third-party health care provider has billed or will bill insurance or public programs that may assist with health care costs for the services provided. 

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:  

(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. 

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 Residents: Upon request, you may choose to receive correspondence from our office in an alternative, reasonably accommodatable format of our choosing (such as large print, braille, audio compact disc, or other means) by contacting our office at 1-312-251-2300. 

New York City 

This collection agency is licensed by the New York City Department of Consumer Affairs, License No. 2092850-DCA.  

A translation and description of commonly-used debt collection terms is available in multiple languages on the Department of Consumer Affairs website, www.nyc.gov/dca. If you have limited-English proficiency or prefer to speak in a language other than English on telephone calls with our office, please provide your language preference and we will record it in our files.  

We provide telephone translation services through a third-party vendor, Argo Translation. Please also note that our payment portal found at www.payharris.com, which allows users to pay certain accounts online, contains instructions in Spanish (El sitio web de pago www.payharris.com contiene instrucciones en Español).  

City of Buffalo 

This collection agency is licensed by the City of Buffalo. The license number is: CAG11-165632. 

North Carolina 

Our North Carolina Permit number is 119507674.   

Oregon 

NMLS number 959452 

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. 

Washington 

Local Office: 512 Bell St., Edmonds, WA 98020 

MEDICAL/HOSPITAL DEBTS ONLY:  You have the right to request the following information at any time: (1) The original account number or redacted original account number assigned to the debt; (2) The date of the last payment to the creditor; and (3) An itemized statement that includes (a) The name and address of the medical creditor; (b) The date of service; (c) The health care services provided; (d) The amount of principal; (e) Any adjustment to the bill; (f) Any payments received; (g) Any interest or fees, if applicable; and (h) Whether the patient was found eligible for charity care or other reductions and, if so, the amount due after all reductions have been applied. 

Wisconsin  

This collection agency is licensed by the Division of Banking in the Wisconsin Department of Financial Institutions, www.dfi.wi.gov.