Dispute a Debt

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

El State Rosenthal Fair Debt Collection Practices Act and the Federal Fair Debt Collection Practices Act require que, excepto bajo circunstancias inusuales cobradores no rueden contactarle antes de las 8am o despues de las 9pm ellos no podran molestarlo usando amenazas de violencia o arresto o usar lenguaje obseno. Cobradores no podran usar declaraciones falsas o enganosas o llamarlo a su trabajo si ellos saben o tienen razon de saber que usted no puede recibir llamadas personales ahi. Mayoria mas de las veces cobradores no podran decirle a otra persona acerca de su deuda. Cobradores pueden llamar a otra persona para obtener su direccion o para reforzar un dictamen. Para mayor informacion acerca de actividades de cobro de deudas, usted puede llamar a la commission federal 1-877-FTC-HELP o a la pagina www.ftc.gov

As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations. Medical debt under $500.00 will not be reported to credit reporting agencies.

Como es requerido por la ley, se le notifica que un informe de crédito negativo que se refleje en su historial de crédito puede ser sometido a una agencia de informes de crédito si usted no cumple con los términos de sus obligaciones de crédito. La deuda médica de menos de $500.00 no se informará a las agencias de informes de crédito.

Nonprofit credit counseling services may be available in the area.
Servicios de asesoría de crédito sin fines de lucro

Colorado Notice: For information about the Colorado Fair Debt Collection Practices Act, see www.coag.gov/car.
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.  Colorado Manager, Inc. 8690 Wolff Court, Suite 110 Westminster, CO 80031, Phone Number: (303) 920-4763.

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.

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 creditor.

Nevada Notice  RE: Medical Debt: If the consumer pays or agrees to pay the debt or any portion of the debt, the payment or agreement to pay may be construed as: (1) an acknowledgment of the debt by the consumer; and (2) a waiver by the consumer of any applicable statute of limitations set forth in NRS 11.190 that otherwise precludes the collection of the debt; and (3) if the consumer does not understand or has questions concerning his/her legal rights or obligations relating to the debt, the debtor should seek legal advice.

This information is not legal advice: this debt may be too old for you to be sued on it in court. If it is too old, you can't be required to pay it through a lawsuit. You can renew the debt and start the time for the filing of a lawsuit against you to collect the debt if you do any of the following: make any payment of the debt; sign a paper in which you admit that you owe the debt or in which you make a new promise to pay; sign a paper in which you give up ("waive") your right to stop the debt collector from suing you in court to collect the debt.

New Mexico Notice: We are required by New Mexico Attorney General Rule to notify you of the following information. This information is not legal advice: this debt may be too old for you to be sued on it in court. If it is too old, you can't be required to pay it through a lawsuit. You can renew the debt and start the time for the filing of a lawsuit against you to collect the debt if you do any of the following: make any payment of the debt; sign a paper in which you admit that you owe the debt or in which you make a new promise to pay; sign a paper in which you give up ("waive") your right to stop the debt collector from suing you in court to collect the debt.

Pursuant to the New Mexico Surprise Billing Protection Act:
If you are a covered person and you received a surprise bill from a nonparticipating (out-of-network) provider for health care services rendered in an amount that exceeds your cost-sharing obligation that would apply for the same health care services if the services had been provided by a participating (in-network) provider, you may have rights under the New Mexico Surprise Billing Protection Act (the “Act”). The Act generally prohibits health care providers from knowingly submitting a surprise bill for out-of-network services to an insured person that demands payment for any amount in excess of the cost-sharing amounts that would have been imposed by the insured person’s health benefits plan if the health care service from which the surprise bill arises had been rendered by an in-network provider. The Act also provides that it is an unfair practice for a health care provider to knowingly submit a surprise bill to a collection agency. Pursuant to the Act, please be advised of the following rights:
1. Patients are responsible only for payment of applicable in-network cost-sharing amounts under the patient’s health benefits plan. 2. Patients should contact their insurance carriers in advance and/or the provider when possible, to determine if the scheduled health care services to be provided will be covered at an in-network rate. 3. When prior contact is not possible for the care required, patients should contact their insurance carrier to discuss the surprise billing and to find the correct limitations that may apply. 4. Patients may appeal a health insurer’s determination regarding a surprise bill in accordance with the hearing procedures established by New Mexico’s Patient Protection Act. 5. The Surprise Billing Protection Act SB 337 can be obtained online at https://www.osi.state.nm.us. 6. If additional information or questions arise, you may contact the New Mexico Superintendent of Insurance in Santa Fe, NM.

Mailing address:
Office of Superintendent of Insurance
PO Box 1689
Santa Fe, NM 87504-1689
Phone: 1-855-427-5674

New York Notice:  In accordance with the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq., debt collectors are prohibited from engaging in abusive, deceptive, and unfair debt collection efforts, including but not limited to: (i) the use or threat of violence; (ii) the use of obscene or profane language; and (iii) 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.

In accordance with New York Senate Bill S737A, we have written communications available in large print format. If you would like large print accommodations, please submit a written request.

Utah Notice: As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations. Medical debt under $500.00 will not be reported to credit reporting agencies.

Washington Notice:  Interest shall be added to the amount of the assigned debt at the rate of nine percent (9%) per annum from the date of assignment.

*If the interest in the account detail does not match the Washington rate of 9%, that would indicate you are being charged the rate of interest where service was provided as shown in the account detail.

The original creditor account number is provided in this notice; you also have the right to request the date of the last payment and an itemized statement.