Important information about your debt.

We are required under the state law to notify consumers of the following rights. This list does not contain a complete list of right that consumers have under state and federal law.

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. Collector 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 Nonprofit credit counseling services may be available in the area 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.

The Rosenthal Act, California Civil Code Section 1788.21, also requires that you notify your creditor within a reasonable amount of time of your change of name, address, or employment for any existing consumer credit.

For California consumers, CMRE Financial Services, Inc. follows the requirements of the California Consumer Privacy Act (CCPA) of 2018 and places a premium on consumer data security and privacy.  Consumers may contact us toll-free at (877) 650-6130 or by email at with requests related to this law.

Please be aware that CMRE Financial Services, Inc. does not sell any data to third parties.

Please be aware that CMRE Financial Services, Inc. may collect information as part of servicing medical debt collections which falls under one or more of the following categories of personal information as defined by the law:

  • Account name
  • Address
  • Age
  • Alias
  • Any other financial information
  • Audio, electronic, visual or similar information
  • Bank account number
  • Commercial information, including records of personal property, products or services purchased, obtained, or considered, or other purchasing tendencies
  • Cookies/beacons/pixel tags, etc.
  • Credit card/debit card number
  • Device ID
  • Disability
  • Driver’s license or government ID #
  • Driver’s license or state ID #
  • Educational information, defined as information not publicly available PII as defined in FERPA
  • Email address
  • Employment/professional-related information (including employment history)
  • Gender identity
  • Geolocation data
  • Inferences drawn from any of the categories to create a profile about a consumer reflecting the consumer’s preferences, characteristics, aptitudes, behavior, etc.
  • Insurance policy information
  • Internet activity (e.g. browsing history, search history, and information regarding a consumer’s interaction with an internet website, application, or advertisement)
  • IP address
  • Marital status
  • Medical or health identifying information (including health insurance/claims info, disability info, etc.)
  • Military status
  • Name
  • Nationality
  • Online identifier
  • Physiological, biological, or behavior characteristics or DNA that can be used (either by itself or with other identifying data) to establish identity
  • Race
  • Signature
  • Social security number
  • Telephone number
  • Unique identifier

Our primary source of information is typically from our clients which we serve.  Any information received from our clients or other sources which fall under Health Insurance Portability and Accountability Act (HIPAA) is excluded by this law.  HIPAA has designated certain Protected Health Information (PHI) which may overlap with the earlier identified categories of information which CMRE Financial Services, Inc. may collect.  Examples of PHI are:

  • Names
  • Dates, except year
  • Telephone numbers
  • Geographic data
  • FAX numbers
  • Social Security numbers
  • Email addresses
  • Medical record numbers
  • Account numbers
  • Health plan beneficiary numbers
  • Certificate/license numbers
  • Vehicle identifiers and serial numbers including license plates
  • Web URLs
  • Device identifiers and serial numbers
  • Internet protocol addresses
  • Full face photos and comparable images
  • Biometric identifiers (i.e. retinal scan, fingerprints)
  • Any unique identifying number or code

Please be aware that sale of personal information to or from a consumer reporting agency is excluded from CCPA if that information is to be reported in, or used to generate, a consumer report and use of that information is limited by the Fair Credit Report Act (FCRA).  Information applicable to FCRA may overlap with the earlier identified categories of information which CMRE Financial Services, Inc. may collect.

Another exclusion under CCPA is personal information collected, processed, sold or disclosed pursuant to the federal Gramm-Leach-Bliley Act (GLBA) or the California Financial Information Privacy Act (CFIPA).  Information applicable to GLBA or CFIPA may overlap with the earlier identified categories of information which CMRE Financial Services, Inc. may collect.

CMRE Financial Services, Inc. cannot provide you with legal guidance.  Please contact your legal counsel for any specific questions about CCPA and your rights as well as any of the laws mentioned above.

Colorado Residents:
Colorado Location:
7200 S Alton Way Ste B180, Centennial, CO 80112
(303) 309-3839
A consumer has the right to request in writing that a debt collector or collection agency cease further communication with that 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 Residents:
Each hospital which holds or administers one or more hospital bed funds shall require its collection agents, in all bills and collection notices, to include a one-page summary describing the hospital bed fund and how to apply for such funds.

Massachusetts Residents:
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 a request. You may terminate this request by writing to the debt collector.

Minnesota Residents:
This collection agency is license by the Minnesota Department of Commerce, License Number 40035249

Nevada Residents:
If you pay or agree to pay the debt or any potion of the debt, that payment or agreement to pay may be construed as:
(1) An acknowledgment of the debt: and
(2) A waiver of any applicable statute of limitation set forth in NRS 11.190 that otherwise precludes the collection of the debt. If you do not understand of have questions concerning your legal rights or obligation relating to the debt, you should seek legal advice.
(3) As used in this section, “Hospital” has the meaning ascribed to it in NRS 449.012

New York City Residents:
This collection agency is licensed by the New York Department of Consumer Affairs, License Number: 3495596

North Carolina Residents:
This collection agency is licensed by the North Carolina Department of Insurance, Permit Number: 103839

Tennessee Residents:
This collection agency is licensed by the Tennessee Collection Service Board of the Department of Commerce and Insurance.

Utah Residents:
As required by Utah law, you are hereby notified that a negative credit report reflecting on your credit on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations. We are required under state law to notify consumers of the following rights.

Washington Residents:
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 amont 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 of other reductions and, if so, the amount due after all reductions have been applied.

New York Residents:


In accordance with the Fair Debt Collection Practices Act, 15 U.S.C. Section 1692 et seq., debt collectors are prohibited from engaging in abusive, deceptive, and misleading debt collection efforts, including but not limited to: (i) the use of 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 judgement against you in court, state and federal laws may prevent the following type of income from being taken to pay the debt:
1. Supplemental social 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
11. Ninety percent of your wages or salary earned in the last sixty days.


(i)The name of the original creditor of the debt and the amount of the debt as of the charge-off are referenced on the reverse side of this document; (ii) No interest has accrued on the debt since the charge-off; (iii) There are no additional non-interest charges or fees which have accrued since the charge-off; and (iv) There have been no payments on the account since the charge-off.

New York Residents:
This collection agency is licensed by the New York Department of Consumer Affairs, License Number: 3495596

Wisconsin Residents:
This collection agency is licensed by the Division of Banking in the Wisconsin Department of Financial Institutions,