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.
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. Nonprofit credit counseling services may be available in the area.
California License Number: 10411-99
This communication is from a debt collection agency. This is an attempt to collect a debt and any information obtained will be used for that purpose.
FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE HTTPS://COAG.GOV/OFFICE-SECTIONS/CONSUMER-PROTECTION/CONSUMER-CREDIT-UNIT/COLLECTION-AGENCY-REGULATION/
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.
Local Office: Phoenix Financial Services LLC. 8690 Wolff Court Suite 110 Westminster, CO 80031 (855) 342-6567.
Office Hours: Mon – Thur 8am – 10:30pm, Fri 8am – 7:30pm, Sat 10am - 2pm EST. Office Address: 11100 USA Parkway, Suite B-100, Fishers IN 46037. Phone 855-342-6567
Please send payments and correspondence to PO Box 8017, Fishers, IN 46038.
NOTICE OF IMPORTANT RIGHTS:
YOU HAVE THE RIGHT TO MAKE A WRITTEN OR ORAL REQUEST THAT TELEPHONE CALLS REGARDING YOUR DEBT MAY NOT BE MADE TO YOU AT YOUR PLACE OF EMPLOYMENT ANY SUCH ORAL REQUEST WOULD BE VALID FOR 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.
This collection agency is licensed by the Minnesota Department of Commerce: 8902 Otis Avenue Suite 103A Indianapolis, IN 46216
NEW MEXICO RESIDENTS
For more information about your medical bill, including insurance information and amount and nature of charges from the creditor or healthcare provider, please contact us at 855-342-6567 or 11100 USA Parkway, Suite B-100, Fishers IN 46037.
NEW YORK STATE RESIDENTS
New York State Residents 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:
- the use or threat of violence;
- the use of obscene or profane language; and
- 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:
- Supplemental 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.
NEW YORK CITY RESIDENTS
New York City Residents: NYC Department of Consumer Affairs License # 2011030-DCA. Agent Contact at Phoenix Financial Services LLC: (Julie Zinser) at 855-342-6567.
YONKERS, NY RESIDENTS
Agent Contact at Phoenix Financial Services LLC: (Julie Zinser) at 855-342-6567.
NORTH CAROLINA RESIDENTS
This collection agency is licensed by the North Carolina Department of Insurance, Company Number: 119507766
Company address: 11100 USA Parkway Suite B-100, Fishers IN 46037
PLEASE SEND CORRESPONDENCE TO: PO Box 8017, Fishers, IN 46038
This collection agency is licensed by the Collection Service Board of The Department of Commerce and Insurance.
WASHINGTON DC RESIDENTS
If your debt has not been reduced to a judgment by a court, you have the right to request 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 a subsequent owner of the debt. For credit card or revolving 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 a 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: 855-342-6567, 11100 USA Parkway, Suite B-100, Fishers IN 46037,
Email: [email protected]
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.
WASHINGTON STATE RESIDENTS
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.
Wisconsin Residents: This collection agency is licensed by the Division of Banking in the Wisconsin Department of Financial Institutions, www.wdfi.org.