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Financial Corporation of America

12515 Research Blvd. Building 2
Austin, Texas 78759
Toll Free Telephone Number: 800 880-8282
Business Hours:
Monday – Thursday 8 AM to 9 PM Central Time
Friday 8 AM to 7 PM Central Time
Saturday 8 AM to 3 PM Central Time

Financial Corporation of America is a Debt Collection Company. 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.

To review specific details regarding the account we are attempting to collect, click the Consumer Account Tab and enter the information requested in order to review your specific account information.

We are required under State and Local laws and statutes to notify consumers of the States or Local jurisdictions listed below of the following consumer rights. This list does not contain a complete list of the rights consumers have under Federal, State, or Local Laws.

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 Only: Non-Profit Credit Counseling Services may be available in your 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. If we report your account to a credit reporting agency, we will not do so until the expiration of the validation period described in the initial validation letter mailed to you by Financial Corporation of America.

Colorado:

FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE HTTPS://COAG.GOV/OFFICE-SECTIONS/CONSUMER-PROTECTION/CONSUMER-CREDIT-UNIT/COLLECTION-AGENCY-REGULATON/.

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.

Our local Colorado Office is located at 80 Garden Center. Building B, Suite 3, Broomfield, Colorado 80020 and can be reached by telephone at 303-920-4763.

Connecticut:

This is an attempt to collect a debt and any information obtained will be used for that purpose.

District of Columbia:

This is an attempt to collect a debt and any information obtained will be used for that purpose.

Georgia:

This is an attempt to collect a debt and any information obtained will be used for that purpose.

Idaho:

Financial Corporation of America’s mailing address is 12515 Research Blvd. Bldg. 2, Suite 200, Austin, Texas 78759. Financial Corporation of America can be reach by telephone toll free at 800-880-8282.

Illinois:

Licensed by the Illinois Department of Financial and Professional Regulation as “Financial Corporation of America Corp.”

This is an attempt to collect a debt.

Maine:

Financial Corporation of America can be reach by telephone toll free at 800-880-8282. The hours of operation are (except holidays) Monday thru Thursday 8 AM to 9 PM, Friday 8 AM-7 PM, Saturday 8 AM to 3 PM. All times are central time zone.

Maryland:

Licensed by the State of Maryland Department of Labor, Licensing and Regulation as “FCOA, Inc. A/K/A Financial Corporation of America.”

Massachusetts:

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 TO 12515 RESEARCH BLVD. BLDG. 2, STE 200, AUSTIN, TEXAS 78759. YOU MAY TERMINATE THIS REQUEST BY WRITING TO THE OUR OFFICE AT 12515 RESEARCH BLVD. BLDG. 2, STE 200, AUSTIN, TEXAS 78759.

Minnesota:

This collection agency is licensed by the Minnesota Department of Commerce.
If you feel that your concerns have not been addressed, please contact our Dispute Resolution Department at 888 231-4739 and allow us the opportunity to try to 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 800-657-3787.

Nevada:

For medical debts only: If your pay or agree to pay the debt or any portion of the debt, the payment or agreement to pay may be construed as (1) acknowledgement of the debt by you; and (2) A waiver by you of any applicable statute of limitations set forth in NRS 11.190 that otherwise precludes the collection of the debt. If you do not understand or have questions concerning your legal rights or obligations relating to the debt you should seek legal advice.

New Mexico:

For hospital accounts only:

New Mexico’s “Surprise Billing Protection Act” protects insured hospital patients receiving out-of-network emergency and non emergency care. The law requires insurers to pay for all out-of-network emergency services necessary to evaluate and stabilize the patient and removes any prior authorization requirements. For non emergency care, insurers are required to reimburse for out-of-network care provided at in-network facilities and not hold the patient liable for balance billing. Further, if medically necessary care is unavailable in the insured patient’s network, insurers are required to pay for the out-of-network services.

The New Mexico Surprise Billing Protection Act requires each health facility licensed pursuant to the Public Health Act [Chapter 24, Article 1 NMSA 1978] to post the following on the health facility’s website in a publicly accessible manner:

(1) the names and hyperlinks for direct access to the websites of all health insurance carriers with which the hospital has a contract for services;
(2) a statement that sets forth the following:
(a) services may be performed in the hospital by participating providers as well as nonparticipating providers who may separately bill the patient;
(b) providers that perform health care services in the hospital may or may not participate in the same health benefits plans as the hospital; and
(c) prospective patients should contact their health insurance carriers in advance of receiving services at that hospital to determine whether the scheduled health care services provided in that hospital will be covered at in-network rates;
(3) the rights of covered persons under the Surprise Billing Protection Act [59A-57A-1 NMSA 1978]; and
(4) instructions for contacting the superintendent of the New Mexico Department of Health.

See your hospital creditor’s website for further information.

New York State Residents:

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.

Debt Collectors 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.

No debt collection agencies shall make any representation that a person is required to pay the debt of a family member in a way that contravenes with the Fair Debt Collection Practices Act (15 USC § 1692 et seq.). No debt collection agencies shall make any misrepresentation about a family member’s obligation to pay such debts.

New York City Residents:

Financial Corporation of America is licensed by the New York City Department of Consumer Affairs – License Number 2012932-DCA.

You may call Guadalupe Pequeno toll free at 800-276-0901 extension 7631during normal business hours.
This is an attempt to collect a debt and any information obtained will be used for that purpose.
Please contact us toll free at 800-880-8282 to confirm your preferred language preference. We have certain written communications available in Spanish. We also have representatives that are fluent in both Spanish and English. In addition, a translation and description of commonly used debt collection terms is available in multiple languages on the NYC Department of Consumer Affairs website, www.nyc.gov/dca. We do not offer language access services. We do not offer language access services.

The address to write to us regarding any dispute of the debt, or any portion of the debt is as follows:

Financial Corporation of America
Attn: Dispute Department
12515 Research Blvd. Building 2, Suite 200
Austin, Texas 78759.

You can also email your dispute to us at: Disputes@FCOA.com.

North Carolina:

North Carolina Department of Insurance Permit Number 103241.

Tennessee:

Financial Corporation of America is licensed by the Collection Service Board of the Tennessee Department of Commerce and Insurance.

Utah:

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 we report your account to a credit reporting agency we will not do so until the expiration of the validation period described in the initial validation letter mailed to you by Financial Corporation of America.

Vermont:

This is an attempt to collect a claim and any information obtained will be used for that purpose.

Washington:

You have the right to request the following information at any time: (1) The original account number or redacted original account number assigned to the debt; (2) The date of the last payment to the creditor; and (3) An itemized statement that includes (a) The name and address of the medical creditor; (b) The date of service; (c) The health care services provided; (d) The amount of principal; (e) Any adjustment to the bill; (f) Any payments received; (g) Any interest or fees, if applicable; and (h) Whether the patient was found eligible for charity care or other reductions and, if so, the amount due after all reductions have been applied.

West Virginia:

This is an attempt to collect a claim and any information obtained will be used for that purpose.

Wyoming:

This is an attempt to collect a debt and any information obtained will be used for that purpose.