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

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. Consumers may request orally or in writing details regarding any debt being collected by Rubin and Rothman LLC.

For the complete text of the Fair Debt Collection Practices Act, please visit the FTC website at http://www.consumer.ftc.gov/articles/0149-debt-collection