River Heights Capital State and City Disclosures
States listed in the licensing matrix: info shaded green is provided by River Heights Capital. This is a good time to check it for accuracy prior to publication.
States not listed in the licensing matrix: the verbiage is shaded turquoise, ready for your use. In some cases, RHC will need to provide particular states’ licensing details [e.g. license number, local office, separate NMLS].
Federal Disclosure [“mini-Miranda”]
This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.
State Disclosures
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.
You may request records showing the following: (1) that : the current creditor to whom the debt is owed 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 of default or the date of the last payment; (4) the name of the charge-off creditor and the account number associated with the debt; (5) the name and last known address of the debtor as it appeared in the charge-off creditor’s or debt buyer’s records prior to the sale of the debt, as appropriate; and (6) the names of all persons or entities that have purchased the debt. 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: 5737 Kanan Road, #626, Agoura Hills, California 91301.
California License Number: 10023-99
Cal. Health & Safety Code § 127430: 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. Except under unusual circumstances, debt collectors may not contact you before 8 a.m. or after 9 p.m. In general, a debt collector may not give information about your debt to another person, other than your attorney or spouse. A debt collector may contact another person to confirm your location or to enforce a judgment. For more information about debt collection activities, you may contact the Federal Trade Commission by telephone at 1-877-FTC-HELP (382-4357) or online at www.ftc.gov. Nonprofit credit counseling services may be available in the area.
Illinois: Our office is licensed under the name of River Heights Capital LLC for the state of Illinois.
Maryland: Additional information for Maryland residents:
NMLS ID 2249305 NMLS Consumer Access Website
Minnesota: This collection agency is licensed by the Minnesota Department of Commerce.
Minnesota Credit Counseling Insert: Please see a copy of the Credit Counseling Services to Debtors Resource List included with this communication. Visit https://mn.gov/commerce-stat/pdfs/2023_credit_counseling_all.pdf
New York City: New York City Department of Consumer Affairs License Number: 2101460-DCA. New York: 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.
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. (The state does not provide sample language for this disclosure.)
New York City Department of Consumer and Worker Protection License Number: 6273095
New York, Yonkers: In addition to any practices prohibited under any federal, state or local law, a debt collection agency shall not contact a consumer about or seek to collect a debt on which the statute of limitations for initiating legal action has expired unless such agency first provides the consumer such information about the consumer’s legal rights as the commissioner proscribes by rule.
West Virginia: The activities of collection agencies in West Virginia are regulated by the Attorney General’s Consumer Protection Division, 1900 Kanawha Boulevard East, Building 1, Room E-26, Charleston, WV 25305. Federal law prohibits agencies from contacting you about your debt if you send a letter requesting that all contacts stop.
Colorado: 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. Our office is licensed under the name of Halsted Financial Services, LLC by the Colorado Department of Commerce for the state of Colorado. Local Office information: XXXXX Phone: XXX.
DISTRICT OF COLUMBIA
Disclosures for District of Columbia
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.
Nevada: NRS 649.332 Verification of Debt
1. To verify a debt, a collection agency shall:
(a) Obtain or attempt to obtain from the creditor any document that is not in the possession of the collection agency and is reasonably responsive to the dispute of the debtor, if any; and (b) If such a document is obtained, mail the document to the debtor.
2. When collecting debt on behalf of a hospital, within 5 days after the initial communication with the debtor in connection with collection of the debt, a collection agency shall, unless the following information is included in the initial communication, send a written notice to the debtor that includes a statement indicating that:
(a) If the debtor 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 acknowledgement of the debt by the debtor; and (2) A wavier by the debtor of any applicable statute of limitations set forth in NRS 11.190 that otherwise precludes the collection of the debt; and (b) if the debtor does not understand of has questions concerning his or her legal rights or obligations relating to the debt, the debtor should seek legal advice.
3. As used in this section, “Hospital” has the meaning ascribes to it in NRS 444.012
(Added to NRS by 2007,2005) NRS 449.012 “Hospital” Defined. “Hospital” means an establishment for the diagnosis, care and treatment of human illness, including care available 24 hours each day from persons licensed to practice professional nursing who are under the direction of a physician, services of a medical laboratory and medical, radiological, dietary and pharmaceutical services. (Added to NRS by 1973, 1279; A 1985, 1737) 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 acknowledgement of the debt by the consumer; and (2) a wavier by the consumer od 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 shall seek legal advice.
Nevada Residents: Collection Agency NMLS # 2249305. Compliance Manager NMLS # XXXXX / License #: CMXXXXX
North Carolina: Permit No. XXXX River Heights Capital LLC, 5737 Kanan Road, #626, Agoura Hills, California 91301
Additional Information for Oregon Residents
NMLS ID: 2249305.
South Carolina
CLICK BELOW TO VIEW THE SOUTH CAROLINA SUPERVISED LENDER LICENSE AND/OR SOUTH CAROLINA CONSUMER RIGHTS AND RESPONSIBILITIES:
SOUTH CAROLINA SUPERVISED LENDER LICENSE
SOUTH CAROLINA CONSUMER RIGHTS AND RESPONSIBILITIES
Tennessee: River Heights Capital LLC is licensed by the Collection Service Board of the Department of Commerce and Insurance.
Washington: In addition to the rights listed above, 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 including: (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
Massachusetts: State Rights Notice: The following is a statement regarding your state rights. Federal or other state law may grant you different or even greater rights.
Massachusetts Division of Banks: 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.
Massachusetts Attorney General: 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.
Idaho: You may send written communication or contact us by telephone from 7AM to 8PM (PST) at (800) 545-1405, River Heights Capital LLC, 5737 Kanan Road, #626, Agoura Hills, California 91301.
New Mexico: Medical Debt Collection Notice: The following information is available and will be provided to you upon your request: the service date(s), amount(s) and nature of all charges, whether the patient is verified as having health insurance, 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.