The Bill for Collection or demand letter shall inform the debtor of:

The amount, nature and basis of the debt;

The right of the debtor to inspect and copy records related to the debt;

The right of the debtor to discuss and propose a repayment agreement;

Any rights available to the debtor to dispute the validity of the debt or to have recovery of the debt waived (citing the available review or waiver authority, the conditions for review or waiver, and the effects of the review or waiver request on the collection of the debt);

The applicable standards for imposition of interest charges and penalty charges and administrative costs that may be assessed against a delinquent debt;

The date by which payment should be made to avoid late charges (i.e. interest, penalties, and administrative costs), which may be not more than 30 days from the date that the demand letter is mailed or hand-delivered;

The name, address, and telephone number of a person or office within USADF available to discuss the debt;

The intention of USADF to enforce collection if the debtor fails to pay or otherwise resolve the debt, by taking one or more of the following actions:

Offset from Federal payments otherwise due to the debtor, including income tax refunds, salary, certain benefit payments, retirement, vendor payments, travel reimbursement and advances, and other Federal payments;

Referral to a private collection agency;

Report to credit bureaus;

Administrative wage garnishment;

Referral to the Department of Justice for litigation action if the debt cannot be collected administratively;

Transfer of any debt delinquent for more than 180 days to the Department of Treasury for collection; and

Other actions authorized by the FCCS and applicable law.

Any rights available to the debtor to dispute the validity of the debt or to have recovery of the debt waived (citing the available review or waiver authority, the conditions for review or waiver, and the effects of the review or waiver request on the collection of the debt);

The instructions for making electronic payment; and

Requirement that the debtor advise USADF of any bankruptcy proceeding.

USADF may omit from the written demand for payment one or more of the provisions contained in paragraphs (a)(8) through (11) of this section if USADF determines that any provision is not legally required given the collection remedies to be applied to a particular debt, or which have already been provided by prior notice, applicable agreement, or contract.

USADF will respond promptly to communications from the debtor. Responses will generally be made within 30 days of the receipt of the communication from the debtor.