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Notice to All Customers

This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose.

Calls to and from our location may be monitored or recorded.

Turnstile Capital Management, LLC is located at 402 West Broadway, Suite 2000, San Diego, CA 92101 and 5109 S. Broadband Lane, Suite 400, Sioux Falls, SD 57108.

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

California Notice

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.

License Number: 10661-99

Colorado Notice

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/OFFICE-SECTIONS/CONSUMER-PROTECTION/CONSUMER-CREDIT-UNIT/COLLECTION-AGENCY-REGULATION/.

Private Student Loan Borrowers: You have a right to request all nonprivileged information possessed by the lender or us related to your defaulted private education loan debt, including the required information described in subsection 2 of Colorado Revised Statutes 5-20-212. Failure to provide that information within thirty days after such a request precludes us from collecting or attempting to collect the debt.

In-State Office: 7200 S. Alton Way, Suite B180, Centennial, CO 80112. Phone: (303) 309-3839.

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.

Connecticut Notice

License numbers: CCA-986335; CCA-BCH-1087061

NMLS IDs: 986335; 1087061

District of Columbia Notice

If your debt has not been reduced to a judgment by a court, you have the right to request the following information concerning your debt:

(1) The name of the original creditor, and the name of any other owners of your debt, including the current owner;
(2) Your last account number with the original creditor;
(3) A copy of the signed contract, application, or other documents which show your obligations;
(4) The date your debt was incurred;
(5) The date of your last payment, if applicable; and
(6) An itemized accounting of the alleged debt, including the amount of any principal interest, fees, or charges, and whether the charges were imposed by the original creditor, a debt collector, or other owner of the debt. For credit card or revolving credit accounts, the itemized accounting is measured from the charge-off balance.

If your debt has been reduced to a judgment by a court, you have a right to a copy of the judgment, documentation establishing that the debt collector is the owner of the judgment, and an itemized accounting of the current balance due on the judgment. You may request the above information by contacting us by phone, mail, or email at the following:

 Address: Turnstile Capital Management, LLC, PO Box 88740, Sioux Falls, SD 57109

 Phone: (877) 411-3582

 Email Address: help@turnstilecapital.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.

Maryland Notice

This agency is licensed as NMLS ID numbers 986335 and 1087061. For more information or to verify license status, visit the NMLS Consumer Access website at https://www.nmlsconsumeraccess.org/

Massachusetts Notice

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.

Student Loan Borrowers: The Attorney General’s Student Loan Ombudsman is located at 1 Ashburton Place, 20th Floor, Boston, MA 02108.

 Minnesota Notice

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

This debt buyer is licensed by the Minnesota Department of Commerce.

Nevada Notice

License Number FCA10579
Compliance Manager:
Dan Palmer CM12267
Jennifer Gabriel CM1165

New York Notice

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: 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.

You may request communications from us in an alternative, reasonably accommodatable format selected by us such as large print, braille, audio compact disc, or other means. You may call (877) 411-3582 to make such a request.

New York City Notice

New York City Department of Consumer Affairs License Number: License # 2099021-DCA

Limited language access services are available. Please call us to speak with a Spanish-speaking representative.

A translation and description of commonly-used debt collection terms is available in multiple languages on the New York City Department of Consumer Affairs website, www.nyc.gov/dca.

You may contact Jennifer G. at (877) 411-3582 to discuss your account.

North Carolina Notice

SBS Company No: 514591745

South Carolina Notice

South Carolina Consumer Pamphlet

Tennessee Notice

This collection agency is licensed by the Collection Service Board of the Department of Commerce and Insurance.