California:
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. For Medical Debts – Nonprofit credit counseling services may be available in the area. License Number = 10875-99
Colorado:
Our local office address is 1375 Ken Pratt Blvd, Suite 300A, Longmont, CO 80501. Our local phone number is 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/. 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.
District of Columbia (D.C.):
If your debt has not been reduced to a judgment by a court, you have the right to request the following information concerning your debt: (1) The name of the original creditor, and the name of any other owners of your debt, including the current owner; (2) Your last account number with the original creditor; (3) A copy of the signed contract, application, or other documents which show your obligations; (4) The date your debt was incurred; (5) The date of your last payment, if applicable; and (6) An itemized accounting of the alleged debt, including the amount of any principal interest, fees, or charges, and whether the charges were imposed by the original creditor, a debt collector, or other owner of the debt. For credit card or revolving credit accounts, the itemized accounting is measured from the charge-off balance. If your debt has been reduced to a judgment by a court, you have a right to a copy of the judgment, documentation establishing that the debt collector is the owner of the judgment, and an itemized accounting of the current balance due on the judgment. You may request the above information by contacting us by phone, mail, or email at the following: 3091 Governors Lake Drive, Suite 500, Peachtree Corners, GA 30071 1-800-542-8714 info@1fam.com You might have income or resources that are protected from being taken by debt collectors. These might include certain sources of income, funds, or property, including, but not limited to, Social Security, Supplemental Security Income (SSI), disability or unemployment benefits, veteran’s benefits, or child support payments. If you believe your property or income may be protected, you may wish to seek legal advice, including at a legal services provider or legal aid office, before paying this debt. Si su deuda no se ha reducido a una sentencia de un tribunal, tiene derecho a solicitar la siguiente información sobre su deuda: (1) El nombre del acreedor original y el nombre de cualquier otro propietario de su deuda, incluido el propietario actual; (2) Su último número de cuenta con el acreedor original; (3) Una copia del contrato firmado, la solicitud u otros documentos que demuestren sus obligaciones; (4) La fecha en que se incurrió en su deuda; (5) La fecha de su último pago, si corresponde; y (6) Un informe detallado de la supuesta deuda, incluido el monto de cualquier interés principal, cargos o cargos, y si los cargos fueron impuestos por el acreedor original, un cobrador de deudas u otro propietario de la deuda. Para tarjetas de crédito o cuentas de crédito rotativas, la contabilidad detallada se mide a partir del saldo de castigo. Si su deuda se ha reducido a una sentencia de un tribunal, tiene derecho a una copia de la sentencia, documentación que establezca que el cobrador de deudas es el propietario de la sentencia y una contabilidad detallada del saldo actual adeudado en la sentencia. Puede solicitar la información anterior comunicándose con nosotros por teléfono, correo postal o correo electrónico a la siguiente dirección: 3091 Governors Lake Drive, Suite 500, Peachtree Corners, GA 30071 1-800-542-8714 info@1fam.com Es posible que tenga ingresos o recursos que estén protegidos contra los cobradores de deudas. Estos pueden incluir ciertas fuentes de ingresos, fondos o propiedades, incluidos, entre otros, el Seguro Social, la Seguridad de Ingreso Suplementario (SSI), los beneficios por discapacidad o desempleo, los beneficios para veteranos o los pagos de manutención infantil. Si cree que su propiedad o sus ingresos pueden estar protegidos, es posible que desee buscar asesoramiento legal, incluso en un proveedor de servicios legales o en una oficina de asistencia legal, antes de pagar esta deuda.
Minnesota:
MINNESOTA RESIDENTS: This collection agency is licensed by the Minnesota Department of Commerce.
Massachusetts:
MASSACHUSETTS RESIDENTS: 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.
North Carolina:
The collection agency is licensed in the State of North Carolina bearing permit number 3774 and our address is 3091 Governors Lake Drive, Suite 500, Peachtree Corners, GA 30071.
New Mexico:
For Medical Debts A. All bills sent from a health care facility, third-party health care provider or medical creditor to a patient shall include a complete and plain-language 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 health care provider has billed or will bill insurance or public programs that may assist with health care costs for the services provided. Prior to initiating communication with a consumer or a collection action over medical debt, a medical debt collector shall have all billing information required in this subsection as allowed under the provisions of the federal Health Insurance Portability and Accountability Act of 1996. B. In communications with a consumer about medical debt, including communication related to collection actions, a health care facility, third-party health care provider, medical creditor or medical debt collector shall inform the consumer of the availability of the information required pursuant to Subsection A of this section and offer to provide that information to the consumer; provided that the information required pursuant to this section need only be provided to a requester once every thirty days
New York:
NEW YORK STATE RESIDENTS: We are required by regulation of the New York State Department of Financial Services to notify you of the following information. This information is NOT legal advice. 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. Supplementary 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 communications from us in an alternative, reasonably accommodatable format selected by us such as large print, braille, audio compact disc or other means. You may call 1-800-542-8714 to make such a request. NEW YORK CITY RESIDENTS: New York City Department of Consumer Affairs, license number 1295910. Phone Number is 800-542-8714 NEW YORK CITY RESIDENTS: First Financial Asset Management, Inc. does not offer any language access services other than English and Spanish. You may review a translation and description of commonly-used debt collection terms in your preferred language on the website of the New York City Department of Consumer Affairs at nyc.gov/dca.
Rhode Island:
The State of Rhode Island general laws prohibit credit bureaus from reporting medical debt or factoring medical debt into a credit score.
Tenessee:
First Financial Asset Management, Inc. is licensed by the Collection Service Board of the Department of Commerce and Insurance
Washington:
You have a right to request the original account number or redacted original account number assigned to the debt, the date of the last payment, and an itemized statement with the following: (A) The name and address of the medical creditor; (B) The date, dates, or date range of service; (C) The health care services provided to the patient as indicated by the health care provider in a statement provided to the licensee; (D) The amount of principal for any medical debt or debts incurred; (E) Any adjustment to the bill, such as negotiated insurance rates or other discounts; (F) The amount of any payments received, whether from the patient or any other party; (G) Any interest or fees; and (H) Whether the patient was found eligible for charity care or other reductions and, if so, the amount due after all charity care and other reductions have been applied to the itemized statement.