Consumer Rights

We are required under state and federal law to notify consumers of the following rights. This list does not contain a complete list of the rights consumers have under state and federal law.

For Residents in AK, AL, AR, CA, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MO, MS, MT, ND, NE, NH, NJ, NM,OH, OK, OR, PA, RI, SC, SD, TX, UT, VA, VT, WA, WV, WY, or PR: This is an attempt to collect a debt. Any information obtained will be used for that purpose. This is a communication from a debt collector.

For Residents in AZ: This is an attempt to collect a debt. Any information obtained will be used for that purpose. This is a communication from a debt collector.

For Residents of CA: Please click this link for Privacy Information.

For Residents in CO: This is an attempt to collect a debt. Any information obtained will be used for that purpose. This is a communication from a debt collector.

FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE www.coag.gov/car 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 office address and telephone number: 355 Union Blvd., Suite 350, Lakewood, CO 80228. 866-687-1769 TOLL FREE

For Residents in MA: This is an attempt to collect a debt. Any information obtained will be used for that purpose. This is a communication from a debt collector.

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 (10) DAYS UNLESS YOU PROVIDE WRITTEN CONFIRMATION OF THE REQUEST POSTMARKED OR DELIVERED WITHIN SEVEN (7) DAYS OF SUCH REQUEST. YOU MAY TERMINATE THIS REQUEST BY WRITING TO THE DEBT COLLECTOR.

For Residents in MN: This is an attempt to collect a debt. Any information obtained will be used for that purpose. This is a communication from a debt collector.

For Residents in NC: This is an attempt to collect a debt. Any information obtained will be used for that purpose. This is a communication from a debt collector.

For New Mexico Consumers- Notice of Consumer Rights Pursuant to the New Mexico Surprise Billing Protection Act.

If you are a covered person and you received a surprise bill from a nonparticipating (out-of-network) provider for health care services rendered in an amount that exceeds your cost-sharing obligation that would apply for the same health care services if the services had been provided by a participating (in-network) provider, you may have rights under the New Mexico Surprise Billing Protection Act (the “Act”). The Act generally prohibits health care providers from knowingly submitting a surprise bill for out-of-network services to an insured person that demands payment for any amount in excess of the cost-sharing amounts that would have been imposed by the insured person’s health benefits plan if the health care service from which the surprise bill arises had been rendered by an in-network provider. The Act also provides that it is an unfair practice for a health care provider to knowingly submit a surprise bill to a collection agency.

Pursuant to the Act, please be advised of the following rights:

1. Patients are responsible only for payment of applicable in-network cost-sharing amounts under the patient’s health benefits plan.

2. Patients should contact their insurance carriers in advance and/or the provider when possible, to determine if the scheduled health care services to be provided will be covered at an in-network rate.

3. When prior contact is not possible for the care required, patients should contact their insurance carrier to discuss the surprise billing and to find the correct limitations that may apply.

4. Patients may appeal a health insurer’s determination regarding a surprise bill in accordance with the hearing procedures established by New Mexico’s Patient Protection Act.

5. The Surprise Billing Protection Act SB 337 can be obtained online at https://www.osi.state.nm.us.

6. If additional information or questions arise, you may contact the New Mexico 

Superintendent of Insurance in Santa Fe, NM.

Mailing Address:

Office of Superintendent of Insurance

PO Box 1689 

Santa Fe, NM 87504-1689 

Phone: 1-855-427-5674

For Residents in NV: This is an attempt to collect a debt. Any information obtained will be used for that purpose. This is a communication from a debt collector.

For Residents in NY: This is an attempt to collect a debt. Any information obtained will be used for that purpose. This is a communication from a debt collector.

NEW YORK CITY CONSUMERS: Currently language access services are not available. However, a translation and description of commonly-used debt collection terms is available in multiple languages on the NYC Department of Consumer Affair’s website, www.nyc.gov/dcwp

For Residents in TN: This is an attempt to collect a debt. Any information obtained will be used for that purpose. This is a communication from a debt collector.

For Residents in WI: This is an attempt to collect a debt. Any information obtained will be used for that purpose. This is a communication from a debt collector.