[hannah]

I have Visa card through a well known bank. It is not a sub-prime card. I have been using online bill pay at the bank's website for several years now and I get an email from them every month a week before the payment due date if I have charged anything on it. So today I get my email and I noticed that the email is different than it was before and so I read the entire thing. On the very bottom of the email is this disclaimer:

Note: Residents of CT & NY: This is an attempt to collect a debt. Any information obtained will be used for that purpose.

So are original creditors now required in CT & NY to include this?

[Hedwig]

Maybe if there's a past due amount they have to say it, and they just make it part of the disclaimer so they never forget it.

But that's just a thought--I have no actual knowledge.

Maybe someone from CT or NY is around and can fill us in.

[direred]

It may also be that the rules aren't as clear as they are in California, or there's been some recent ruling that makes the requirement of inclusion unclear.

[roybean]

Originally Posted by hannah

I have Visa card through a well known bank. It is not a sub-prime card. I have been using online bill pay at the bank's website for several years now and I get an email from them every month a week before the payment due date if I have charged anything on it. So today I get my email and I noticed that the email is different than it was before and so I read the entire thing. On the very bottom of the email is this disclaimer:



So are original creditors now required in CT & NY to include this?

I am not sure if it is just CT and NY, but I do remember that certain states do require this to be included in all correspondences.