Disclosures

We are required under certain State and Local Laws to notify consumers of those States or Localities of the following rights. This list does not contain a complete list of the rights consumers have under Federal, State, or Local Laws.

ADDITIONAL INFORMATION FOR CALIFORNIA RESIDENTS:

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.

ADDITIONAL INFORMATION FOR COLORADO RESIDENTS:

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.

ADDITIONAL INFORMATION FOR MASSACHUSETTS RESIDENTS:

If you wish to discuss this matter, please call us at 888-277-8360 between the hours of 8 a.m. and 5 p.m. EST, at the number listed on the front of this notice.

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.

ADDITIONAL INFORMATION FOR MINNESOTA RESIDENTS:

If you feel that your concerns have not been addressed, please contact BCA Financial Services, Inc. and allow us the opportunity to try and address your concerns at 888-277-8360 or you are welcome to email us at customerExperience@bcafs.com. Or, you have the option to address any concerns with the Minnesota Attorney General’s Office at 651-296-3353 or 1-800-657-3787.

ADDITIONAL INFORMATION FOR 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: Supplementary security income, (SSI);
Social Security;
Public assistance (welfare);
Spousal support, maintenance (alimony) or child support;
Unemployment benefits;
Disability benefits;
Workers' compensation benefits;
Public or private pensions;
Veterans' benefits;
Federal student loans, federal student grants, and federal work study funds; and
Ninety percent of your wages or salary earned in the last sixty days.

ADDITIONAL INFORMATION FOR NEW YORK CITY RESIDENTS:

This collection agency is licensed by the New York City Department of Consumer Affairs. The license 1370235-DCA

ADDITIONAL INFORMATION FOR NORTH CAROLINA RESIDENTS:

North Carolina Department of Insurance permit number: 112092

ADDITIONAL INFORMATION FOR TENNESSEE RESIDENTS:

This collection agency is licensed by the Collection Service Board of the State Department of Commerce and Insurance.

ADDITIONAL INFORMATION FOR HEALTHCARE RELATED SERVICES

If your account relates to healthcare services one or more of the following disclosures may apply as well. Please know that many healthcare providers offer some form of financial assistance. If you would like assistance in determining if financial assistance may be available, call us at 888-277-8360.

ADDITIONAL INFORMATION FOR CALIFORNIA RESIDENTS:

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.

Nonprofit credit counseling services may be available in the area.

ADDITIONAL INFORMATION FOR ILLINOIS RESIDENTS:

If you have any questions about the bill or wish to inquire about or to dispute any portion of this bill, you may contact BCA Financial Services, Inc. at 888-277-8360.

ADDITIONAL INFORMATION FOR MASSACHUSETTS RESIDENTS:

If you are unable to pay this bill, please call 888-277-8360. Financial assistance may be available.

ADDITIONAL INFORMATION FOR MINNESOTA RESIDENTS:

If you feel that your concerns have not been addressed, please contact BCA Financial Services, Inc. and allow us the opportunity to try and address your concerns at 888-277-8360 or you are welcome to email us at customerExperience@bcafs.com. Or, you have the option to address any concerns with the Minnesota Attorney General’s Office at 651-296-3353 or 1-800-657-3787.

ADDITIONAL INFORMATION FOR NEVADA RESIDENTS:

If you pay or agree to pay the debt or any portion of the debt, the payment or agreement to pay may be construed as: (1) an acknowledgement of the debt; and (2) a waiver of any applicable statute of limitations set forth in NRS11.190 that otherwise precludes the collection of the debt. In addition, if you do not understand, or have questions concerning your legal rights or obligations relating to the debt, you should seek legal advice.

ADDITIONAL INFORMATION FOR NEW YORK CITY RESIDENTS:

This collection agency is licensed by the New York City Department of Consumer Affairs. The license number is 1370235-DCA.

ADDITIONAL INFORMATION FOR NORTH CAROLINA RESIDENTS:

North Carolina Department of Insurance permit number: 112092.

Pursuant to N.C. Gen. Stat. § 131E-91, the client referenced on the front of this letter has charity care and financial assistance policies in effect. If you think you may qualify for assistance under such a policy, please contact BCA Financial Services, Inc. at 888-277-8360. Please inform us immediately if you have an active financial assistance application related to this debt.