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.
You may request records showing the following: (1) that FMS Inc. 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 the debt became delinquent or the date of the last payment; (4) the name of the creditor and the account number associated with the debt; (5) the name and last known address of the debtor as it appeared in the creditor’s records prior to assignment of the debt; and (6) the names of all persons or entities other than the debt collector to which the debt has been assigned, if applicable. 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: info@fmscontactcenters.com
State and federal law require debt collectors to treat you fairly and prohibit debt collectors from making false statements or threats of violence, using obscene or profane language, and making improper communications with third parties, including your employer. Nonprofit 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 obligation. Debt Collector License Number 10779-99.
Click below for information about submitting a complaint:
https://fmscontactcenters.com/consumer-support/validation-disputes
Or click here: https://dfpi.ca.gov/submit-a-complaint/
Calling us or visiting our website will not preserve your rights set forth above to obtain verification of the debt or the original creditor’s name and address, as such rights are only preserved by making a written request to us within 30days of your receipt of this letter.
FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE HTTPS://COAG.GOV/OFFICE-SECTIONS/CONSUMER-PROTECTION/CONSUMER-CREDIT-UNIT/COLLECTION-AGENCY-REGULATION/ or Attorney General’s office website: 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 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.
You may also make payments in person to our in-state office located at 7200 S. Alton Way, Suite B180, Centennial, Colorado, 80112. Local Office Telephone Number: 303-309-3839.
Pursuant to Colorado law, discounts for hospital services are available for qualified individuals. Visit https://hcpf.colorado.gov/colorado-hospital-discounted-care for information.
NMLS 953582
If your debt has not been reduced to a judgement, you have the right to request all of 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, signed application, or other documents which show your obligations;
(4) The date that 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 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: FMS INC. 4915 SOUTH UNION AVENUE, TULSA, OK 74107
800.580.7611
INFO@FMSCONTACTCENTERS.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.
Spanish Disclosure (Washington DC):
________________________________________
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 firmada u otros documentos que muestren sus obligaciones; (4) La fecha en que se incurrió en su deuda; (5) La fecha de su último pago, si corresponde; y (6) Un desglose detallado de la deuda alegada, incluyendo el monto de cualquier capital, intereses, tarifas o cargos, y si los cargos fueron impuestos por el acreedor original, un cobrador de deudas u otro propietario de la deuda. Para cuentas de tarjetas de crédito o crédito rotativo, el desglose detallado se mide desde el saldo de cancelación.
Si su deuda ha sido reducida a un fallo por un tribunal, tiene derecho a una copia del fallo, documentación que establezca que el cobrador de deudas es el propietario del fallo, y un desglose detallado del saldo actual adeudado en el fallo.
Puede solicitar la información anterior contactándonos por teléfono, correo o correo electrónico, en la siguiente dirección:
FMS INC. 4915 SOUTH UNION AVENUE, TULSA, OK 74107 800.580.7611 INFO@FMSCONTACTCENTERS.COM
Es posible que tenga ingresos o recursos que estén protegidos contra la toma por parte de los cobradores de deudas. Estos pueden incluir ciertas fuentes de ingresos, fondos o propiedades, incluyendo, pero no limitado a, Seguridad Social, Ingreso de Seguridad Suplementario (SSI), beneficios por discapacidad o desempleo, beneficios para veteranos o pagos de manutención infantil. Si cree que su propiedad o ingresos pueden estar protegidos, puede desear buscar asesoramiento legal, incluso en un proveedor de servicios legales o una oficina de asistencia legal, antes de pagar esta deuda.
This agency is licensed as NMLS number 953582. For more information or to verify license status, visit the NMLS Consumer Access website at https://www.nmlsconsumeraccess.org/.
You can visit the provider’s website to obtain a copy of the hospital’s patient information sheet and to learn more about the hospital’s billing and financial assistance policies, including possible installment payment plan(s), or contact us FMS Inc. at info@fmscontactcenters.com.
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 FMS INC. 4915 SOUTH UNION AVENUE, TULSA, OK 74107.
If you notify us in writing within 30 days after receipt of this notice that the debt, or any portion thereof is disputed, we will obtain verification of the debt and provide you, or your attorney if applicable, the following: (a) All documents, including electronic records or images, which bear your signature and concern the debt being collected; (b) A ledger, account card, account statement copy, or similar record, whether paper or electronic, which reflects the date and amount of payments, credits, balances, and charges concerning the debt, including but not limited to interest, fees, charges or expenses incidental to the principal obligation which the creditor is expressly authorized to collect by the agreement creating the debt or permitted to collect by law; (c) The name and address of the original creditor, if different from the collecting creditor; and (d) A copy of any judgment against you, if applicable.
If you feel that your concerns have not been addressed, please contact FMS Inc. dba Oklahoma FMS Inc. at (800) 580-7611, 4915 SOUTH UNION AVENUE, TULSA, OK 74107, 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 (800) 657-3787 (Outside the Twin Cities), (800) 627-3529 (Minnesota Relay) by email at hospital.billing@ag.state.mn.us, or online at www.ag.state.mn.us/contact.
You have the right to hire your own attorney to represent you in this matter.
This collection agency is licensed by the Minnesota Department of Commerce.
There are resources available to help manage your debt. The following Minnesota organizations offer debt and credit counseling services. The Department of Commerce does not control or guarantee any of the services provided by these organizations. The provision of this list is not a referral to, or endorsement or recommendation of, any organization or the organization’s services. _______________________________________________________________________
Waxa jira agab iyo dukumeentiyo u diyaar ah inay kaa caawiyaan maareynta dayntaada. Hay’adaha Minnesota ee soo socda ayaa bixiya adeegyada la talinta daynta. Waaxda Ganacsigu ma dammaanad qaado mana kaantaroosho adeegyada ay hay’adahani bixiyaan midkoodna. In liiskan lagu siiyay lama macno aha in laguu gudbiyay, lagugula taliyay ama laguu soo jeediyay, ururan midkoodna ama adeegyada ururadaba. _______________________________________________________________________ 以下资源可以帮助您管理债务。以下这些明尼苏达州机构提供债务和信用咨询服务。 州商务局与这些机构间无隶属关系，亦不能保证其提供的任何服务。提供此列表并不表示对该 等机构或其服务的推荐、认可或建议。 _______________________________________________________________________ Muaj cov peev txheej uas yuav los pab tswj koj cov nuj nqi. Cov koom haum hauv Minnesota nram qab no muaj cov kev pab cuam tawm tswv yim txog kev qiv nyiaj thiab nuj nqi. Lub Tuam Tsev Hauj Lwm ntsig txog Kev Lag Luam uas tsis muaj kev tswj los sis lav ib qho ntawm cov kev pab cuam uas muab los ntawm cov koom haum no. Qhov kev muab cov ntawv teev no tsis yog xa mus rau, los sis qhov kev lees paub los sis cov lus qhia, tej lub koom haum los sis lub koom haum cov kev pab cuam. _______________________________________________________________________ Hay recursos disponibles para ayudarle a gestionar sus deudas. Las siguientes instituciones de Minnesota ofrecen servicios de asesoramiento sobre deudas y crédito. El Departamento de Comercio no controla ni garantiza ninguno de los servicios prestados por estas instituciones. La presentación de esta lista no constituye una remisión, aprobación o recomendación de ninguna institución ni de sus servicios. _______________________________________________________________________ Có một số nguồn lực giúp quý vị quản lý khoản nợ của mình. Các tổ chức sau đây của Minnesota cung cấp dịch vụ tư vấn đối với các khoản nợ và tín dụng. Cơ Quan Thương Mại không kiểm soát hoặc đảm bảo bất kỳ dịch vụ nào do các tổ chức này cung cấp. Việc cung cấp danh sách này không phải hoạt động giới thiệu, chứng thực hoặc khuyến nghị cho bất kỳ tổ chức nào hoặc các dịch vụ của tổ chức đó.
LSS Financial Counseling Service
Multiple Minnesota Locations
Phone: 888-577-2227
www.lssmn.org/financialcounseling
Consumer Credit of Minnesota
5871 Cedar Lake Rd S, #105
St. Louis Park, MN 55416
Phone: 952-544-6800
Family Means Financial Solutions
1875 Northwestern Avenue South
Stillwater, MN 55082
Phone: 651-439-4840 | 800-327-3203
NMLS 953582. License Number CAD11437. NFID # CM 10004
Pursuant to Nevada Law, if you pay or agree to pay the claim or any portion of the claim, the payment or agreement to pay: (1) may be construed as an acknowledgement of the claim by you; (2) does not constitute a waiver by you of any applicable statute of limitations set forth in NRS 11.190 that otherwise precludes the collection of the claim. If you do not understand or have questions concerning your legal rights or obligation relating to this claim, you should seek legal advice.
For more information about your medical bill, including potential financial assistance screening, insurance information, and amount and nature of charges from the creditor or healthcare provider, please contact us at (800) 580-7611 or info@fmscontactcenters.com.
If you have health insurance you are protected from balance billing (also called surprise billing) in some cases like when you get emergency care from an out-of-network provider or are treated by an out-of-network provider at an in-network facility. This means you cannot be charged more than the copayments, coinsurance and/or deductible (“cost sharing amount”) that you would have to pay for in-network care. Under certain circumstances you are protected if you receive emergency care from an out-of-network provider or non-emergency care from an out-of-network provider at an in-network facility. If you pay an out-of-network provider more than you’re in-network cost-sharing amount, you may be entitled to a refund from the provider. Contact the New Mexico Office of Superintendent of Insurance for further information about your rights.
For more information about your medical bill, including potential financial assistance screening, insurance information, and amount and nature of charges from the creditor or healthcare provider, please contact us at 800.580.7611 or 4915 SOUTH UNION AVENUE, TULSA, OK 74107.
New York City Department of Consumer and Worker Protection License Number: 2054073-DCA.
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.
FMS address: 4915 South Union Avenue, Tulsa, OK 74107 New York City regulations require us to record the language preference of New York City consumers. Call Ryan White at 1-800-580-7611 or use the Contact Us link to provide your preferred language. You also can call the toll-free number listed on any correspondence you have received from us or call our main line at 1-800-580-7611 to provide us with your preferred language. Please note that FMS does not provide translation of any communication created or made in English into another language. In some instances, FMS does provide agents who can speak in Spanish. A translation and description of commonly used debt collection terms is available in multiple languages on the Department’s website, www.nyc.gov/dca.
New York City Department of Consumer and Worker Protection License Number: 2054073-DCA.
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: a) the use or threat of violence; b) the use of obscene or profane language; and c) 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.
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.
New York City regulations require us to record the language preference of New York City consumers. Call Ryan White at 1-800-580-7611 or use the Contact Us link to provide your preferred language. You also can call the toll-free number listed on any correspondence you have received from us or call our main line at 1-800-580-7611 to provide us with your preferred language. Please note that FMS does not provide translation of any communication created or made in English into another language. In some instances, FMS does provide agents who can speak in Spanish. A translation and description of commonly used debt collection terms is available in multiple languages on the Department’s website, www.nyc.gov/dca.
Contact Ryan White at FMS, Inc. at 800-580-7611.
This collection agency is licensed by the North Carolina Department of Insurance, Company Number: 119500456.
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. FMS address: 4915 South Union Avenue, Tulsa, OK 74107.
FMS, Inc. NMLS Number = 953582
Crown Asset Management, LLC = NMLS 1110271
Second Round, LP = NMLS 998772
Second Round Sub, LLC = NMLS 1380725
Cascade Capital, LLC = NMLS 1371506
Midland Credit Management = NMLS 934164
Hilco Receivables LLC = 1373320
This collection agency is licensed by the Collection Service Board of the Department of Commerce and Insurance.
As required by Utah 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.
You have the right to request all the following concerning your debt:
(1) Documentation of the name of the original creditor as well as the name of the current creditor or owner of your debt;
(2) Your last account number with the original creditor;
(3) A copy of the signed contract, signed application, or other documents providing evidence of your liability and its terms;
(4) The date that your debt was incurred;
(5) The date of your last payment, if applicable; and
(6) An itemized accounting of the amount claimed to be owed, including the amount of the principal, the amount of any interest, fees, or charges, and whether the charges were imposed by the original creditor, a debt collector, or a subsequent owner of the debt.
You may request the above information by contacting us by phone, mail, or email, at the following: 800.580.7611, 4915 SOUTH UNION AVENUE, TULSA, OK, 74107, INFO@FMSCONTACTCENTERS.COM
In addition to the rights listed in this letter, 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 including: (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.
For information regarding the date of the last payment to the creditor identified above (if available) please contact info@fmscontactcenters.com.
Financial assistance is available to patients eligible for charity care from the hospital. For more information, contact info@fmscontactcenters.com.
This collection agency is licensed by the Office of the Administrator of the Division of Banking, P.O. Box 7876, Madison, Wisconsin 53707. This office is licensed in the State of Wisconsin as “Oklahoma FMS”.
