State law requires that we notify you of certain rights that you may have based on the state of your residence. Please note if your state of residence is listed below, we are required under state or local laws to notify consumers of the following consumer rights. If you are not a resident of the specific state listed below, that state’s rights may not apply to you. This list does not contain a complete list of the rights consumers have under local regulations and state and federal laws or regulations.

California

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 for hospital debts.

You may request records showing the following: (1) that Cindy 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: Stacey V. c/o Mnet Financial, 95 Argonaut, Ste 200, Aliso Viejo, CA 92656; consumerhelp@mnetfinancial.com

Debt Collector license number 10556-99

Colorado

Our local address is Colorado Manager, Inc. 8690 Wolff Court Ste 110 Westminster, CO 80031. Our toll free number is 888-816-5944; our local phone number is 303-980-4763.

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.

For information about the Colorado Fair Debt Collection Practices Act, see:  HTTPS://COAG.GOV/OFFICE-SECTIONS/CONSUMER-PROTECTION/CONSUMER-CREDITUNIT/COLLECTION-AGENCY-REGULATION/.”

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 exceed the national confirming loan limit value for a one-unit property as determined by the Federal Housing Finance Authority.

This is an attempt to collect a debt and any information obtained will be used for that purpose.

Minnesota

This collection agency is licensed by the Minnesota Department of Commerce. If you feel that your concerns have not been addressed, please contact us at 888-816-5944 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 1-800-657-3787.

The Office of the Minnesota Attorney General’s general telephone number is 651-296-3353 or 1-800-657-3787.  You have the right to hire your own attorney to represent you in this matter.

Nevada

For a debt arising from services provided by a hospital, the following applies:
If you pay, or agree to pay, the debt or any portion of the debt shown on the reverse side of this notice, the payment, or agreement to pay, may be construed as (1) an acknowledgement of the debt by you; and (2) a waiver by you of any applicable statute of limitations set forth in NRS11.190 that otherwise precludes the collection of debt; and (3) if you do not understand your rights or if you have questions regarding your legal rights or obligations relating to the debt, you should seek legal advice.

New Mexico

For a debt arising from services provided by a hospital, the following applies:

The following information is available and will be provided to you upon your request: the service date; amount and nature of all charges; whether the patient is verified as having health insurance; whether the health care facility screened the patient for programs that assist with health care costs; and whether the health care facility or third-party health care provider has billed or will bill insurance or public programs that may assist with health care costs for the services provided.

New York

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.”

Additionally, the state requires that we inform you that 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.

YOU MAY REQUEST THIS LETTER IN AN ALTERNATIVE, REASONABLY ACCOMMODATABLE FORMAT SELECTED BY US OR THE PRINCIPAL CREDITOR SUCH AS LARGE PRINT, BRAILLE, AUDIO COMPACT DISC, OR OTHER MEANS.  TO MAKE SUCH A REQUEST, CALL US AT 888-895-3198.

New York State Department of Financial Services Regulations provides that you may dispute the debt and request substantiation of the debt at any time. To request substantiation of the debt, please write to us describing the reason for your dispute and mail your request to us at 95 Argonaut, Ste 200, Aliso Viejo, CA 92656

North Carolina

Our North Carolina company number is 515446567.

Oregon

NMLS number 49518

Tennessee

We are licensed by the Collection Service Board of the Tennessee Department of Commerce and Insurance.

Utah

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 for balances of $500.00 or more if you fail to fulfill the terms of your credit obligations. We will not submit a negative credit report to a credit reporting agency about this credit obligation.

Washington

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.

For Hospital debt: You may be eligible for charity care from the hospital.

Mnet Financial, LLC is licensed for the state of Washington to do business at 95 Argonaut, Suite 200, Aliso Viejo, CA 92656