Ok, the reason why I was asking is.......Riverwalk Holdings is located in Deleware. ARM is in New Jersey.
I checked and CAs do not have to have a CA license in SC........but they do have to have a business license. Out of state collectors are not required to have a license in your state BUT I found out that they do have to be registered with the Secretary of State.
Soooooo..........what you could do is check on both of them and see if their state requires them to be licensed or bonded.
I really don't see any blatant violations in the letter. So I'm just trying to think of other things you can look into.
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