Financial Credit Network Disclosures
This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.
California Residents
California License Number: 10874-99
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 http://www.ftc.gov.
You may request records showing the following: (1) that the Current Debt Owner has the right to seek collection of the debt; (2) the debt balance, including an explanation of any interest charges and additional fees; (3) the date of default or the date of the last payment; (4) the name of the charge-off creditor and the account number associated with the debt; (5) the name and last known address of the debtor as it appeared in the chargeoff creditor’s or debt buyer’s records prior to the sale of the debt, as appropriate; and (6) the names of all persons or entities that have purchased the debt. You may also request from us a copy of the contract or other document evidencing your agreement to the debt. A request for these records may be addressed to Financial Credit Network P.O. Box 3084,Visalia, CA 93278-3084.
Non-profit credit counseling services may be available in the area.
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.
The California Consumer Privacy Act requires that we inform you that we collect the following categories of personal information from consumers for the purpose of collecting debts: 1) Identifiers, such as name, address and social security number; 2) Professional or Employment-Related Information, such as where you work; 3) Audio, such as recordings of telephone conversations between our employees and consumers; and 4) Commercial Information, such as legal obligations and credit information. For more information, or to access this notice in a different format, please see our Privacy Policy at https://fcnetwork.com/wp-content/uploads/2022/01/FCN_Privacy_Policy.pdf
The Colorado office of Colorado Manager, Inc. is located at 1375 Ken Pratt Blvd, Suite 300A, Longmont,CO 80501, (303) 920-4763. FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE https://coag.gov/office-sections/consumer-protection/consumer-credit-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.
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.
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.
Collection Agency License Number: CAD11524
Compliance Manager ID Number: CM10468
Hospital Collections: If you pay or agree to pay the debt or any portion of the debt, the payment or agreement to pay: (1) May be construed as acknowledgement of the debt by you; and (2) As provided in NRS 11.200, does not constitute a waiver by you of any applicable statute of limitations set forth in NRS 11.190 that otherwise precludes the collection of the claim.If you do not understand or have questions concerning your legal rights or obligations relating to the debt, you should seek legal advice.
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.
Oregon NMLS ID: 49031
The State of Rhode Island general laws prohibit credit bureaus from reporting medical debt or factoring medical debt into a credit score.
As required by Utah law, you are hereby notified that a negative credit report reflecting on your credit score may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.
You have the right to request that the original account number or redacted original account number assigned to the debt, the date of the last payment, and an itemized statement of the debt be provided to you by Financial Credit Network
This collection agency is licensed by the Division of Banking in the Wisconsin Department of Financial Institutions, www.dfi.wi.gov.
As required by law, you are hereby notified that a negative credit report on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.