WE ARE REQUIRED TO NOTIFY YOU OF THE FOLLOWING RIGHTS. THIS LIST DOES NOT CONTAIN A COMPLETE LIST OF THE RIGHTS CONSUMERS HAVE UNDER STATE AND FEDERAL LAWS.
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 AM or after 9 PM. 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.
For Medical: Nonprofit credit counseling services may be available in the area. State and federal law require debt collectors to treat you fairly and prohibit debt collectors from making false statements or threats of violence, using obscene or profane language, and making improper communications with third parties, including your employer.
Colorado Local Office Address and Telephone Number: Colorado Manager, Inc. Building B, 80 Garden Center, Suite 3, Broomfield, CO 80020. 303-920-4763. 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. FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE https://coag.gov/office-sections/consumer-protection/consumer-credit-unit/collection-agency-regulation/
MASSACHUSETTS BUSINESS ADDRESS: 15 Union St., Lawrence, MA 01840. Hours: Monday - Friday 8AM to 8PM, Eastern Time; Saturday 8AM to 12PM, Eastern Time.
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 debt collector.
This Collection Agency is licensed by the Minnesota Department of Commerce.
NEW YORK CITY RESIDENTS:
New York City Department of Consumer Affairs License Number 1034196.
FMA Alliance conducts its business in English, however, you may be able to request certain communications in Spanish. For a translation and description of commonly-used debt collection terms in a consumer's preferred language, you may visit the NYC Department of Consumer and Worker Protection website at www.nyc.gov/dca.
NORTH CAROLINA RESIDENTS:
North Carolina Permit Number 101287.
This collection agency is licensed by the Collection Service Board of the Department of Commerce and Insurance.
NEW MEXICO RESIDENTS:
Services may be performed in a hospital by participating and non participating providers who may separately bill a patient. Those providers that perform health care services may or may not participate in the same health benefits plans as a hospital. Non participating providers that perform health care services may be limited in the charges they can assess a patient. Prospective patients should contact their health insurance carriers in advance of receiving services at a hospital if possible to determine whether the scheduled health care services will be covered at in-network rates. This is not an exhaustive list of a patient?s rights under the Surprise Billing Protection Act, so they should review the Act to ensure they understand their rights or if they have any questions. Additionally, any questions regarding the Surprise Medical Billing Act can be sent to the Superintendent of Insurance at:
Office of Superintendent of Insurance
PO Box 1689
Santa Fe, NM 87504-1689