FCR Collection Services 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 License Number: 10491-99
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 P.O. Box 17209, Irvine CA 92623.
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://avtal.com/fcr-collection-privacy-policy
The Colorado office of Colorado Manager, Inc. is located at 8690 Wolff Court, Suite 110, Westminster, CO 80031, (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.
Collection agency’s phone number: 800-979-8917. Collection agency’s hours of operation: Monday- Friday 7:00am-4:30pm PT.
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.
If you feel that your concerns have not been addressed, please contact FEDChex Recovery at 800-979-8917 and allow us the opportunity to try and address your concerns. Or, you have the option to address any concerns with the Minnesota Attorney General’s Office, which can be reached at 651-296-3353 or 1-800-657-3787. This collection agency is licensed by the Minnesota Department of Commerce.
If you pay or agree to pay the debt or any portion of the debt, the payment or agreement to pay may be construed as: (1) acknowledgment of the debt by the consumer; and (2) a waiver of any applicable statute of limitations set forth in NRS 11.190 that otherwise precludes the collection of the debt; and (3) if you do not understand or have questions concerning your legal rights or obligations relating to the debt, you should seek legal advice.
We will make available to you upon request a description of the date, amount, and nature of all charges; if the patient is verified as having health insurance; if the health care facility screened the patient for programs that assist with health care costs; and if the health care facility or third party healthcare provider has billed or will bill insurance or public programs that may assist with health care costs for the services provided.
New York: Debt collectors, in accordance with the Fair Debt Collection Practices Act, 15 U.S.C.§ 1692 et seq., 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.
You may request an alternative, reasonably accommodatable format such as large print, braille, audio compact disc, or other means. You may make a request for alternative communications by calling (800) 979-8917 to make such a request.
New York City Department of Consumer Affairs License Number: 2131727-DCWP
The New York Department of Consumer Affairs requires us to ask you for your language preference for reporting purposes. Please provide us with your preferred language by calling (800) 979-8917. At this time, FCR Collection Services does not provide language access or translation services for any language other than English. Translations and descriptions of commonly-used debt collection terms are available in multiple languages at www.nyc.gov/dca
North Carolina Department of Insurance Permit Number 119500667.
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 FCR Collection Services
This collection agency is licensed by the Division of Banking in the Wisconsin Department of Financial Institutions, www.dfi.wi.gov.