Debt Collection Disclosure Focus Groups

Jane Doe,
Welcome to Tropicana Management, LLC (“TM, LLC”)! We
want to help you resolve this account, so call us at 1-800-5551413 for you payment options. If paying this debt is difficult for
you please call anyway, because we have payment options for
almost every budget.
TM, LLC purchased account 976549-342-11315 on 2/12/14. All
future payments and correspondence for this account,
including credit counseling service payments, should be
directed to us.

CALL TOLL FREE AT 1-800-555-1413
to discuss payment arrangements!

Mail all checks and payments to:
Tropicana Management, LLC
P.O. Box 12221
Columbus, OH 43215-1113
Pay us online at:
www.TropicanaMangementLLC.com
Hours of Operation (EST)
Monday-Sunday 8:00AM – 7:00PM
Email: help@TropicanaMangementLLC.com

Statement date: [UPDATE TO RECENT DATE], 2014
Seller: Chabon Funding, Inc.
Merchant: Greer’s Department Store
Original Creditor: American Bankcards, NB
Creditor to Whom Debt is Owed: Tropicana
Management, LLC
Account Number: 976549-342-11315

ACCOUNT DETAILS
CURRENT BALANCE
$2,788
Unless you notify this office within 30 days after receiving this
notice that you dispute the validity of this debt or any portion
thereof, this office will assume this debt is valid. If you notify this
office in writing within 30 days from receiving this notice that you
dispute the validity of this debt or any portion thereof, this office
will obtain verification of the debt or obtain a copy of a judgment
and mail you a copy of such judgment or verification. If you
request this office in writing within 30 days after receiving this
notice, this office will provide you with the name and address of
the original creditor if different from the current creditor.

Tropicana Management, LLC
COMPANY ADDRESS: Tropicana Management, LLC P.O. Box 12221 Columbus, OH 43215-1113
DISPUTES CORRESPONDENCE ADDRESS: Tropicana Management, LLC Disputes Department, 250 Main Street, Columbus, OH 43215
DISPUTES DEPARTMENT E-MAIL ADDRESS: TM_disputes@TropicanaMangementLLC.com
DEBIT CARD TRANSACTION FEES: Third party vendors may charge a transaction fee for processing payments made by debit card;
however, Tropicana Management, LLC does not charge or accept any fees. Please discuss this option with our staff if you have any
questions.
QUALITY SERVICE SPECIALISTS AVAILABLE Mon-Fri 8AM to 7PM (EST)
Not happy with the way you were treated? Our company strives to provide professional and courteous service to all our customers.
Contact one of our staff to discuss issues related to our quality of service to you by phone at (800) 555-1413 or by email at
CustomerCare@TropicanaMangementLLC.com.
PRIVACY NOTICE: We collect certain personal information about you from the following sources: (a) information we received from
you; (b) information about your transactions with our affiliates, others, or us; (c) information we receive from consumer reporting
agencies. We do not disclose any nonpublic personal information about our customers or former customers to anyone, expect as
permitted by law. We restrict access to nonpublic information about you to those employees and entities that need to know
information in order to collect your account. We maintain physical, electronic and procedural safeguards that comply with federal
regulations to guard your nonpublic personal information.

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