IMPORTANT INFORMATION ABOUT YOUR DEBT
We are required by 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 and may contain other important information.
This is an attempt to collect a debt and any information obtained will be used for that purpose. This is a communication from a debt collector. Calls to and from this company may be monitored and recorded.
Important Notice:
When you provide a check as payment, you authorize us either to use the information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction.
If you have a complaint or concern about the way our office is collecting this debt, please call our toll-free consumer hotline at 800-478-7421.
ARKANSAS RESIDENTS: Action Collection Agencies, Inc. does business as Action Collection Agency of Boston in the state of Arkansas.
CALIFORNIA RESIDENTS: California license number: 10822-99.
The state Rosenthal Fair Debt Collection Practices Act and the Federal Fair Debt Collection Practices Act require that, except for unusual circumstances, collectors may not contact you before 8:00 a.m. or after 9:00 p.m. They may not harass you by using threats of violence or arrest or y 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 our 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
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.
Nonprofit credit counseling services may be available in your area.
The Hospital Bill Complaint Program is a state program, which reviews hospital decisions about whether you qualify for help paying your hospital bill. If you believe you were wrongly denied financial assistance, you may file a complaint with the Hospital Bill Complaint Program. Go to HospitalBillComplaintProgram.hcai.ca.gov for more information and to file a complaint.
THE CALIFORNIA CONSUMER PRIVACY ACTION REQUIRES US TO INFORM YOU OF THE FOLLOWING: You have the right to know what personal information is being collected about you, know if your personal information is sold or disclosed and to whom, say no to the sale of personal information, and access your personal information. Federal and state laws prohibit us from disclosing information about your debt to third parties unless otherwise permitted for the purpose of servicing your account or required by law. Personal information is collected solely for the purpose of debt recovery and retained until the information is no longer needed or as otherwise required by law. We restrict access to nonpublic personally identifiable information about you to those employees who have a need to know the information. We maintain strict physical, electronic, and procedural safeguards to protect your information. We do not sell and will not sell your personal information. We may collect the following categories of personal information: identifying information; personal information categories listed in California Customer Records Statute; protected classification characteristics under California or Federal law; internet or other electronic network activity information; sensory data professional or employment related information; and inferences drawn from any of the information identified above. You may read our Privacy Policy at www. actioncollection.com or request a written copy by contacting us.
CONNECTICUT RESIDENTS: This collection agency is licensed through NMLS # 931957
MAINE RESIDENTS: Office hours are Monday – Friday from 8:00 a.m. to 5:00 p.m. (EST).
Hours of calling (EST): Monday – Thursday 8:00 a.m. – 7:00 p.m.; Friday 8:00 a.m. – 5:00 p.m.; Saturday 8:00 a.m. – Noon. Exceptions will apply.
MARYLAND RESIDENTS: This collection agency is licensed through NMLS # 931957. For more information or to verify license status, visit the NMLS Consumer Access website at https://www.nmlsconsumeraccess.org/
MASSACHUSETTS RESIDENTS: 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 in writing to the debt collector.
NEW JERSEY RESIDENTS: MEDICAL DEBT ONLY: We have not reported this debt to a consumer reporting agency and if this debt or any part of it has been reported to a consumer reporting agency, the portion reported is void.
NEW YORK RESIDENTS: Debt collectors, in accordance with the Fair Debt Collection Practices Act, 11 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.
You may request each written communication we send you in an alternative reasonably accommodatable format, e.g. large print, or other accommodative format, which we will select based on your needs. To request a written communication we have sent you in an alternative, reasonably accommodative format, please contact us at 1-800-478-7421.
NEW YORK CITY RESIDENTS:
The City of New York requires that we furnish residents of New York City with the following information: All communications are in English with the following exception which may vary by creditor: Spanish-speaking agents are available by phone upon request. A translation and description of commonly used debt collection terms is available in multiple languages on the New York City Department of Consumer and Worker Protection (formerly the Department of Consumer Affairs at www.nyc.gov/dca
This collection agency is licensed by the New York City Department of Consumer Affairs; License # 2047931-DCA
NORTH CAROLINA RESIDENTS: This agency is licensed by the North Carolina Department of Insurance; Permit # 119507050
RHODE ISLAND RESIDENTS: Medial Debt Only: The State of Rhode Island general law prohibits credit bureaus from reporting medical debt or factoring medical debt into a credit score.
TENNESSEE RESIDENTS: This collection agency is licensed by the Collection Service Board, State Department of Commerce and Insurance.
The law may limit how long you can be sued on a debt depending upon its type, age. Accounts to which these limits apply are commonly referred to as time-barred due to statute of limitations. These limitations may apply to any one or more of your obligations. You should determine if they apply and the effect of any actions you take with respect to any of your debts. If you do not pay the debt, Action Collection Agencies, Inc., when permitted by its client, may report or continue to report the balance to the credit reporting agencies as unpaid for as long as law permits.