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. 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. If this is a healthcare
account, please be advised that nonprofit credit counseling services may be available in the area.
FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE
UNIT/COLLECTION-AGENCY-REGULATION/ 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.
Each collection agent engaged in collecting a debt from a patient arising from services provided at a
hospital shall provide written notice to such patient as to whether the hospital deems the patient an
insured patient or an uninsured patient. ** Each hospital which holds or administers one or more
hospital bed funds shall require its collection agents to include a summary as provided in subsection (c)
of this section in all bills and collection notices sent by such collection agents.
Registered name of collection agency is Credit Service Company, Inc.
New York City Department of Consumer Affairs License Number: 2003534-DCA
NOTICE TO NEW MEXICO RESIDENTS:
Your Rights About New Mexico’s Surprise Billing Protection Act SB 337
Providers that perform health care services that result in out-of-network services, also known as "Surprise Billing", may be limited to the amount of charges that they can assess. Patients should contact the Provider and/or Insurance Company before their scheduled appointment to determine if the services will be covered at an in-network rate. In the case of an emergency, when prior contact is not possible patients should follow the same steps above to protect themselves from any Surprise Billing.
To contact the New Mexico Superintendent of Insurance click here
To view The Surprise Billing Protection Act click here
| North Carolina
North Carolina Permit # 112033
As required by Utah 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
This collection agency is licensed by the Division of Banking in the Wisconsin Department of Financial
Credit Service Company, Inc. is licensed by the Collections Service board of the Department of
commerce and Insurance.
The collection Agency is licensed by the Minnesota Department of Commerce.
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 acknowledgement 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 If the consumer does not understand or has questions concerning his or her
legal rights or obligations relating to the debt, the consumer should seek legal advice.
You have the right to request the original account number assigned to your debt by the original creditor,
the date of last payment (if applicable), and an itemized statement of services provided.