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

For Medical Debts Only: Non-Profit Credit Counseling Services may be available in your area.

As required by law your 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 obligation. If we report your account to a credit reporting agency we will not do so until the expiration of the 30-day validation period described in the initial validation letter mailed to you by Financial Corporation of America.  NOTE THIS SHOULD ONLY BE INCLUDED ON ACCOUNTS THAT WILL BE CREDIT REPORTED

Colorado:

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

For Medical Debts Only: Non-Profit Credit Counseling Services may be available in your area.

As required by law your 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 obligation. If we report your account to a credit reporting agency we will not do so until the expiration of the 30-day validation period described in the initial validation letter mailed to you by Financial Corporation of America.  NOTE THIS SHOULD ONLY BE INCLUDED ON ACCOUNTS THAT WILL BE CREDIT REPORTED

Connecticut:

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

NOTE IF THE CREDITOR IS A HOSPITAL LOCATED IN CONNECTICUT, AND IF APPLICABLE, IT MUST PROVIDE IT MUST PROVIDE THE DEBTOR  A  ONE PAGE NOTICE IN ALL BILLS AND COLLECTION COMMUNICATIONS. THEREFORE IF APPLICABLE THE HOSPITAL MUST PROVIDE SUCH NOTICE TO FCOA SO IT CAN BE PROVIDED TO THE DEBTOR: SUGGESTION IS THAT PROGRAMING ALLOW THE CONNECTICUT CONSUMER TO CLICK THRU TO THE ONE PAGE DOCUMENT WHEN HE/SHE ACCESSES ACCOUNT. FOLLOWING IS A DESCRIPTION OF THE DOCUMENT THAT THE HOSPITAL MUST PROVIDE.

Each hospital which holds or administers one or more hospital bed funds shall require its collection agents, in all bills and collection notices, to include a one-page summary describing the hospital bed fund and how to apply for such funds. The summary shall also describe any free or other reduced cost policies for the indigent and shall clearly distinguish hospital bed funds from other sources of financial assistance. The summary shall include notification that the patient is entitled to reapply upon rejection and that additional funds may be available on an annual basis. In addition, the collection agency must provide notice to the patient whether the hospital deems the patient an insured patient or an uninsured patient and the reasons for such determination.

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 claim and any information obtained will be used for that purpose.

Idaho:

Financial Corporation of America’s mailing address is 12515 Research Blvd. Bldg. 2, Austin, Texas 78759. Financial Corporation of America can be reach by telephone toll free at 800 880-8200.

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 800 880-8200.  The hours of operation are Monday thru Friday (except holidays) 8 AM to 5 PM Central Time.

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, AUSTIN, TEXAS 78759.. YOU MAY TERMINATE THIS REQUEST BY WRITING TO THE OUR OFFICE AT 12515 RESEARCH BLVD. BLDG. 2, 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 1 800 880-8200 extension .7583 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 1 800 657-3787.

New Mexico:

For medical accounts only: 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.

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 statue 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 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 ____________toll free at 800 880-8200 extension ____during normal business hours. To review specific details regarding the account we are attempting to collect click the Consumer Account Tab at the top of this web page  and enter the information requested in order to review your specific account information including the name of your creditor and the current balance due.

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

Please contact us to confirm your preferred language preference.  You may request a translation of certain communications into a language other than 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.

North Carolina:

North Carolina Department of Insurance Permit Number 103241.

Tennessee:

Financial Corporation of America is licensed by the Collection Agency 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 obligation. If we report your account to a credit reporting agency we will not do so until the expiration of the 30-day validation period described in the initial validation letter mailed to you by Financial Corporation of America. NOTE THIS SHOULD ONLY BE INCLUDED ON ACCOUNTS THAT WILL BE CREDIT REPORTED

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.