State Disclosures

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.

Medical Accounts: Nonprofit credit counseling services may be available in the area.

You may request records showing the following: (1) that Receivables Outsourcing, LLC 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: Receivables Outsourcing, LLC, P.O. Box 876, Glen Burnie, MD 21060.

California Debt Collection License # 10598-99

COLORADO
RESIDENTS

Receivables Outsourcing, LLC Colorado Office 27 North Willerup Avenue, Suite B Montrose, CO 81401 970-249-7514 Or Toll Free at 1 (877) 435-4009

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.

CONNECTICUT

The law requires that we provide consumers with our Nationwide Multistate Licensing System Identifier Number.

NMLS Identifier: 1126626.

MARYLAND

The law requires that we provide consumers with our Nationwide Multistate Licensing System Identifier Number and a link to their website where our information as a debt collector can be verified.

NMLS Identifier: 1126626
NMLS Consumer Access Website: 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 by writing to the debt collector.”

NEVADA
RESIDENTS

If the consumer pays or agrees to pay the debt or any portion of the debt, the payment or agreement to pay may be construed as: (1) an acknowledgment of the debt by the consumer; and (2) a waiver by the consumer of any applicable statute of limitations set forth in NRS 11.190 that otherwise precludes the collection of the debt; and (3) if the consumer does not understand or has questions concerning his/her legal rights or obligations relating to the debt, the debtor should seek legal advice.

NEW MEXICO
RESIDENTS

A health insurance carrier shall not require that prior authorization for emergency care be obtained by or on behalf of, a covered person prior to the point of stabilization of that covered person if a prudent layperson would reasonably believe that the covered person requires emergency care. N.M. Stat. Ann. § 59A-57A-3B.

Pursuant to N.M. Stat. Ann. § 59A-57A-4A, other than applicable cost sharing that would apply if a participating provider had rendered the same services, a health insurance carrier shall provide reimbursement for and a covered person shall not be liable for charges and fees for covered non-emergency care rendered by a nonparticipating provider that are delivered when:
• the covered person at an in-network facility does not have the ability or opportunity to choose a participating provider who is available to provide the covered services; or
• medically necessary care is unavailable within a health benefits plan’s network; provided that “medical necessity” shall be determined by a covered person’s provider in conjunction with the covered person’s health benefits plan and health insurance administrator.

Pursuant to N.M. Stat. Ann. § 59A-57A-5:
• A nonparticipating provider shall not knowingly submit a surprise bill to a covered person.
• In accordance with the hearing procedures established pursuant to the Patient Protection Act, a covered person may appeal a health insurance carrier’s determination made regarding a surprise bill.
• Beginning July 1, 2020, the department of health shall require each health facility licensed pursuant to the Public Health Act to post the following on the health facility’s website in a publicly accessible manner:
• the names and hyperlinks for direct access to the websites of all health insurance carriers with which the hospital has a contract for services;
• a statement that sets forth the following:
• services may be performed in the hospital by participating providers as well as no participating providers who may separately bill the patient;
• providers that perform health care services in the hospital may or may not participate in the same health benefits plans as the hospital; and
• prospective patients should contact their health insurance carriers in advance of receiving services at that hospital to determine whether the scheduled health care services provided in that hospital will be covered at in-network rates;
• the rights of covered persons under the Surprise Billing Protection Act [N.M. Stat. Ann. § 59A-57A]; and
• instructions for contacting the superintendent.
• Any written communication, other than a receipt of payment, from a provider or health insurance carrier pertaining to a surprise bill, shall clearly state that the covered person is responsible only for payment of applicable in-network cost-sharing amounts under the covered person’s health benefits plan. A collection agency collecting medical debt from New Mexico residents shall post a notice of consumer rights pursuant to the Surprise Billing Protection Act on its website.
• When a nonparticipating provider under nonemergency circumstances has advance knowledge that the nonparticipating provider is not contracted with the covered person’s health insurance carrier, the nonparticipating provider shall inform the covered person of the nonparticipating provider’s nonparticipating status and advise the covered person to contact the covered person’s health insurance carrier to discuss the covered person’s options.
N.M. Stat. Ann. § 59A-57A-5.

If a covered person pays a nonparticipating provider more than the in-network cost-sharing amount for services provided under circumstances giving rise to a surprise bill, the nonparticipating provider shall refund to the covered person within forty-five calendar says of receipt of payment from the health insurance carrier any amount paid in excess of the in-network cost-sharing amount. N.M. Stat. Ann. § 59A-57A-6A.

A covered person may seek recovery of the refund of the amount the covered person has paid in excess of the in-network cost-sharing amount that a nonparticipating provider owes, plus interest, pursuant to Subsection B of N.M. Stat. Ann. § 59A-57A-6 by filing an appeal with the office of the superintendent of insurance. N.M. Stat. Ann. § 59A-57A-6C. A provider shall not knowingly submit to a covered person a surprise bill for health care services, which surprise bill demands payment for any mount in excess of the cost-sharing amounts that would have been imposed by the covered person’s health benefits plan if the health care service from which the surprise bill arises had been rendered by a participating provider. N.M. Stat. Ann. § 59A-57A-14A.

It shall be an unfair practice for a health care provider to knowingly submit a surprise bill to a collection agency. N.M. Stat. Ann. § 59A-57A-14B.

For additional information, please contact the Office of the Superintendent of Insurance at:

Office of the Superintendent of Insurance
PO Box 1689
Santa Fe, NM 87504-1689
or
1-855-4ASK-OSI (1-855-427-5674).

NEW YORK CITY
RESIDENTS

New York City Department of Consumer Affairs License Number: 2026254-DCA

Receivables Outsourcing, LLC conducts its business in English. We do not offer any language access services at this time.

A translation and description of commonly-used debt collection terms is available in multiple languages on the NYC Department of Consumer Affairs website, www.nyc.gov/dca