The law limits how long you can be sued on a debt. Because of the age of your debt, we will not sue you for it. If you do not pay the debt, Shepherd Outsourcing, LLC may report it to the credit reporting agencies as unpaid for as long as the law permits this reporting.  Even if the statute of limitations has expired, you may choose to make payments on the debt. However, be aware: if you make a payment on the debt, admit to owing the debt, promise to pay the debt, or waive the statute of limitations on the debt, the time period in which the debt is enforceable in court may start again.  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.   You may request records showing the following: (1) that our client 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 of default or the date of the last payment; (4) the name of the charge-off creditor and the account number associated with the debt; (5) the name and last known address of the debtor as it appeared in the charge-off creditor’s or debt buyer’s records prior to the sale of the debt, as appropriate; and (6) the names of all persons or entities that have purchased the debt. 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: Shepherd Outsourcing, 777 Lowndes Hill Rd, Building 1,Greenville, SC 29607.  Pursuant to the California Consumer Privacy Act of 2018 (CCPA), California residents are entitled to certain
notices and disclosures regarding the collection and use of their personal information. Shepherd Outsourcing,
LLC’s CCPA Policy can be found at www.shepherdoutsourcing.com. Our Policy outlines what personal
information we collect, use and disclose. It also explains your right to know, right to delete, and how to submit a
verifiable consumer request. Please note, Shepherd Outsourcing, LLC does not sell any personal information.    CA License Number:  10916-99    For Medical Debt Accounts Only: Nonprofit credit counseling services may be available in the area.