Bay Area Credit Service

Compliance

By checking the "Accept Terms & Conditions" box below you are asserting that you are the named individual on this account and are authorized to review and discuss the personal information contained in the account. Furthermore, you are expressly authorizing Bay Area Credit Service, representatives to contact you or responsible party, including but not limited to contact via prerecorded messages, artificial voice messages, text or electronic messages and calls made by an automatic telephone dialing system, at any phone number or any cellular phone, which could result in charges to you, or other wireless device including any cellular phone number you currently have or will have in the future and at any e-mail provided for the purpose of contact in connection with resolution of this account. You agree that both the cell phone number(s) and/or e-mail address you provide belong to you, are secure and cannot be listened to or viewed by unauthorized third parties.

Thank You For Contacting The Customer Service Department. You Must Accept The Terms And Conditions Above To Continue. Once This Is Completed Please Choose From The Following:





THIS COMMUNICATION IS FROM A DEBT COLLECTOR AND IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

CALIFORNIA NOTICE:  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 <HTTP://WWW.FTC.GOV/>

EL STATE ROSENTHAL FAIR DEBT COLLECTION PRACTICES ACT AND THE FEDERAL FAIR DEBT COLLECTION PRACTICES ACT REQUIRE QUE, EXCEPTO BAJO CIRCUNSTANCIAS INUSUALES COBRADORES NO RUEDEN CONTACTARLE ANTES DE LAS 8AM O DESPUES DE LAS 9PM ELLOS NO PODRAN MOLESTARLO USANDO AMENAZAS DE VIOLENCIA O ARRESTO O USAR LENGUAJE OBSENO. COBRADORES NO PODRAN USAR DECLARACIONES FALSAS O ENGANOSAS O LLAMARLO A SU TRABAJO SI ELLOS SABEN O TIENEN RAZON DE SABER QUE USTED NO PUEDE RECIBIR LLAMADAS PERSONALES AHI. MAYORIA MAS DE LAS VECES COBRADORES NO PODRAN DECIRLE A OTRA PERSONA ACERCA DE SU DEUDA. COBRADORES PUEDEN LLAMAR A OTRA PERSONA PARA OBTENER SU DIRECCION O PARA REFORZAR UN DICTAMEN. PARA MAYOR INFORMACION ACERCA DE ACTIVIDADES DE COBRO DE DEUDAS, USTED PUEDE LLAMAR A LA COMMISSION FEDERAL 1-877-FTC-HELP O A LA PAGINA WWW.FTC.GOV

AS REQUIRED BY LAW, YOU ARE HEREBY NOTIFIED THAT A NEGATIVE CREDIT REPORT REFLECTING ONYOUR CREDIT RECORD MAY BE SUBMITTED TO A CREDIT REPORTING AGENCY IF YOU FAIL TO FULFILL THETERMS OF YOUR CREDIT OBLIGATIONS.

COMO ES REQUERIDO POR LA LEY, SE LE NOTIFICA QUE UN INFORME DE CRÉDITO NEGATIVO QUE SE REFLEJE EN SU HISTORIAL DE CRÉDITO PUEDE SER SOMETIDO A UNA AGENCIA DE INFORMES DE CRÉDITO SI USTED NO CUMPLE CON LOS TÉRMINOS DE SUS OBLIGACIONES DE CRÉDITO.

NONPROFIT CREDIT COUNSELING SERVICES MAY BE AVAILABLE IN THE AREA. 
SERVICIOS DE ASESORÍA DE CRÉDITO SIN FINES DE LUCRO

COLORADO NOTICE: 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.  COLORADO MANAGER, INC. 8690 WOLFF COURT, SUITE 110 WESTMINSTER, CO 80031, PHONE NUMBER: (303) 920-4763.

MAINE NOTICE: TELEPHONE NUMBER AT LICENSED LOCATION IS (866) 302-4761; HOURS OF OPERATION AT LICENSED LOCATION ARE MONDAY- FRIDAY 8:00 A.M. TO 5:00 P.M.

MARYLAND: THIS COLLECTION AGENCY IS LICENSED BY THE MARYLAND OFFICE OF THE COMMISSIONER OF FINANCIAL REGULATION, NMLS LICENSE ID NUMBER 945496. YOU MAY VERIFY OUR LICENSE STATUS THROUGH NMLS CONSUMER ACCESS, LOCATED ON THE NMLS HOMEPAGE AT THE FOLLOWING WEBSITE: https://mortgage.nationwidelicensingsystem.org
BE ADVISED THAT THE LICENSE IS VALID AS LONG AS IT APPEARS IN AN APPROVED STATUS IN THE NMLS.

MASSACHUSETTS 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 CREDITOR.

MINNESOTA NOTICE: THIS COLLECTION AGENCY IS LICENSED BY THE MINNESOTA DEPARTMENT OF COMMERCE.

NEVADA NOTICE: TELEPHONE PAYMENTS USING CHECK OR CREDIT CARD ARE ACCEPTED; HOWEVER, A PROCESSING FEE OF UP TO $5.00 MAY BE CHARGED

NEVADA NOTICE  RE: MEDICAL DEBT:  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.
THIS INFORMATION IS NOT LEGAL ADVICE: THIS DEBT MAY BE TOO OLD FOR YOU TO BE SUED ON IT IN COURT. IF IT IS TOO OLD, YOU CAN'T BE REQUIRED TO PAY IT THROUGH A LAWSUIT. YOU CAN RENEW THE DEBT AND START THE TIME FOR THE FILING OF A LAWSUIT AGAINST YOU TO COLLECT THE DEBT IF YOU DO ANY OF THE FOLLOWING: MAKE ANY PAYMENT OF THE DEBT; SIGN A PAPER IN WHICH YOU ADMIT THAT YOU OWE THE DEBT OR IN WHICH YOU MAKE A NEW PROMISE TO PAY; SIGN A PAPER IN WHICH YOU GIVE UP ("WAIVE") YOUR RIGHT TO STOP THE DEBT COLLECTOR FROM SUING YOU IN COURT TO COLLECT THE DEBT.

NEW MEXICO NOTICE: WE ARE REQUIRED BY NEW MEXICO ATTORNEY GENERAL RULE TO NOTIFY YOU OF THE FOLLOWING INFORMATION. THIS INFORMATION IS NOT LEGAL ADVICE: THIS DEBT MAY BE TOO OLD FOR YOU TO BE SUED ON IT IN COURT. IF IT IS TOO OLD, YOU CAN'T BE REQUIRED TO PAY IT THROUGH A LAWSUIT. YOU CAN RENEW THE DEBT AND START THE TIME FOR THE FILING OF A LAWSUIT AGAINST YOU TO COLLECT THE DEBT IF YOU DO ANY OF THE FOLLOWING: MAKE ANY PAYMENT OF THE DEBT; SIGN A PAPER IN WHICH YOU ADMIT THAT YOU OWE THE DEBT OR IN WHICH YOU MAKE A NEW PROMISE TO PAY; SIGN A PAPER IN WHICH YOU GIVE UP ("WAIVE") YOUR RIGHT TO STOP THE DEBT COLLECTOR FROM SUING YOU IN COURT TO COLLECT THE DEBT.

PURSUANT TO THE NEW MEXICO SURPRISE BILLING PROTECTION ACT:
IF YOU ARE A COVERED PERSON AND YOU RECEIVED A SURPRISE BILL FROM A NONPARTICIPATING (OUT-OF-NETWORK) PROVIDER FOR HEALTH CARE SERVICES RENDERED IN AN AMOUNT THAT EXCEEDS YOUR COST-SHARING OBLIGATION THAT WOULD APPLY FOR THE SAME HEALTH CARE SERVICES IF THE SERVICES HAD BEEN PROVIDED BY A PARTICIPATING (IN-NETWORK) PROVIDER, YOU MAY HAVE RIGHTS UNDER THE NEW MEXICO SURPRISE BILLING PROTECTION ACT (THE “ACT”). THE ACT GENERALLY PROHIBITS HEALTH CARE PROVIDERS FROM KNOWINGLY SUBMITTING A SURPRISE BILL FOR OUT-OF-NETWORK SERVICES TO AN INSURED PERSON THAT DEMANDS PAYMENT FOR ANY AMOUNT IN EXCESS OF THE COST-SHARING AMOUNTS THAT WOULD HAVE BEEN IMPOSED BY THE INSURED PERSON’S HEALTH BENEFITS PLAN IF THE HEALTH CARE SERVICE FROM WHICH THE SURPRISE BILL ARISES HAD BEEN RENDERED BY AN IN-NETWORK PROVIDER. THE ACT ALSO PROVIDES THAT IT IS AN UNFAIR PRACTICE FOR A HEALTH CARE PROVIDER TO KNOWINGLY SUBMIT A SURPRISE BILL TO A COLLECTION AGENCY. PURSUANT TO THE ACT, PLEASE BE ADVISED OF THE FOLLOWING RIGHTS:
1. PATIENTS ARE RESPONSIBLE ONLY FOR PAYMENT OF APPLICABLE IN-NETWORK COST-SHARING AMOUNTS UNDER THE PATIENT’S HEALTH BENEFITS PLAN. 2. PATIENTS SHOULD CONTACT THEIR INSURANCE CARRIERS IN ADVANCE AND/OR THE PROVIDER WHEN POSSIBLE, TO DETERMINE IF THE SCHEDULED HEALTH CARE SERVICES TO BE PROVIDED WILL BE COVERED AT AN IN-NETWORK RATE. 3. WHEN PRIOR CONTACT IS NOT POSSIBLE FOR THE CARE REQUIRED, PATIENTS SHOULD CONTACT THEIR INSURANCE CARRIER TO DISCUSS THE SURPRISE BILLING AND TO FIND THE CORRECT LIMITATIONS THAT MAY APPLY. 4. PATIENTS MAY APPEAL A HEALTH INSURER’S DETERMINATION REGARDING A SURPRISE BILL IN ACCORDANCE WITH THE HEARING PROCEDURES ESTABLISHED BY NEW MEXICO’S PATIENT PROTECTION ACT. 5. THE SURPRISE BILLING PROTECTION ACT SB 337 CAN BE OBTAINED ONLINE AT HTTPS://WWW.OSI.STATE.NM.US. 6. IF ADDITIONAL INFORMATION OR QUESTIONS ARISE, YOU MAY CONTACT THE NEW MEXICO SUPERINTENDENT OF INSURANCE IN SANTA FE, NM.

MAILING ADDRESS:
OFFICE OF SUPERINTENDENT OF INSURANCE
PO BOX 1689
SANTA FE, NM 87504-1689
PHONE: 1-855-427-5674

NEW YORK NOTICE: THIS COLLECTION AGENCY IS LICENSED BY THE NEW YORK CITY DEPARTMENT OF CONSUMER AFFAIRS, LICENSE NUMBERS 1455609 AND 1455610; CONTACT KELLY WILSON AT BAY AREA CREDIT SERVICE, LLC. THIS COLLECTION AGENCY IS ALSO LICENSED BY THE CITY OF BUFFALO, LICENSE NUMBER CAG11-545395.

IN ACCORDANCE WITH THE FAIR DEBT COLLECTION PRACTICES ACT, 15 U.S.C. § 1692 ET SEQ., DEBT COLLECTORS 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: 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.

IN ACCORDANCE WITH NEW YORK SENATE BILL S737A, HOVG, LLC DBA BAY AREA CREDIT SERVICE, HAS WRITTEN COMMUNICATIONS AVAILABLE IN LARGE PRINT FORMAT. IF YOU WOULD LIKE LARGE PRINT ACCOMMODATIONS, PLEASE SUBMIT A WRITTEN REQUEST.

NORTH CAROLINA NOTICE: THIS COLLECTION AGENCY IS LICENSED IN NORTH CAROLINA, PURSUANT TO PERMIT NUMBERS 104890 AND 104909. THESE PERMIT NUMBERS CAN BE LOCATED ON THE NCDOI WEBSITE BY SEARCHING UNDER ITS TRUE NAME, HOVG, LLC. HOVG, LLC IS DOING BUSINESS IN NORTH CAROLINA UNDER ITS DBA NAME, BAY AREA CREDIT SERVICE, LLC.

PLEASE INFORM US IMMEDIATELY IF YOU HAVE AN ACTIVE FINANCIAL ASSISTANCE APPLICATION RELATED TO THIS DEBT.

TENNESSEE NOTICE: NOTE: THIS COLLECTION AGENCY IS LICENSED BY THE COLLECTION SERVICE BOARD, STATE DEPARTMENT OF COMMERCE AND INSURANCE, 500 JAMES ROBERTSON PARKWAY, NASHVILLE, TENNESSEE 37243.

UTAH NOTICE: 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 OBLIGATIONS.

WASHINGTON NOTICE:  INTEREST SHALL BE ADDED TO THE AMOUNT OF THE ASSIGNED DEBT AT THE RATE OF NINE PERCENT (9%) PER ANNUM FROM THE DATE OF ASSIGNMENT.

*If the interest in the account detail does not match the Washington rate of 9%, that would indicate you are being charged the rate of interest where service was provided as shown in the account detail.

The original creditor account number is provided in this notice; you also have the right to request the date of the last payment and an itemized statement.