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Terms, Conditions & Policies

Terms and Conditions

Mini-Miranda

This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose.

General

Services are being offered by Balanced Healthcare Receivables, LLC (BHR, LLC). Please read the following terms and conditions of use carefully. By using this service, or permitting any other person or other entity to use this service on your behalf, you acknowledge that you have read these terms and conditions and that you accept and will be bound by the terms thereof, as they may be modified by us from time to time, as posted on this web site. When such a modification is made, we will post a revised version of the terms and conditions on this web site. Changes will be effective when they are posted. We are not required to provide you with notification that any such change has been made. It is your responsibility to review these terms and conditions from time to time to be aware of any such change. Your continued use of the service will indicate your agreement to any such change. We reserve the right to add to, remove, change or terminate access to any of the content or functions of the service without giving specific notice to you. If you do not agree to the terms and conditions, you may not use this service. Access to this service is restricted to authorized users who have accepted these terms and conditions. Access or attempted access by unauthorized individuals may be subject to prosecution. Any use of the service is at the sole risk of the user.

Throughout this Terms and Conditions, the words “we,” “us,” and “our” mean BHR, LLC. The words “you,” “your,” and “yours” mean all persons responsible for complying with this Terms and Conditions, including the person who is utilizing or permitting any other person to utilize this service.

Automatic Telephone Dialing

By accepting these terms and conditions you agree and expressly consent to being contacted by BHR, LLC using an automatic telephone dialing system to receive autodialed, prerecorded calls and text messages to any applicable wireless telephone number.

Telephone Monitoring and Recording

We may listen to and record your telephone calls with us. By accepting these terms and conditions you agree that we monitor and record telephone conversations whether you or we initiate the telephone call.

Errors and Unauthorized Transactions

Tell us immediately if you believe that an unauthorized transaction has been or may be conducted to or from one of your accounts without your permission. Telephoning is the best way to minimize possible losses. You can:

Call: 1-866-460-2471 or write to:
Balanced Healthcare Receivables, LLC
PO Box 905
Nashua, NH 03060

Refund Policy

In the event where a refund is requested and warranted, we will refund within (30) days of the original transaction date.

Privacy Policy

This page informs you of our policies regarding the collection, use and disclosure of Personal Information we receive from users of the Site. We use your Personal Information only for providing and improving the Site. By using the Site, you agree to the collection and use of information in accordance with this policy.

Information Collection and Use

While using our Site, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you. Personally Identifiable Information (PII) may include, but is not limited to your name, mailing address or telephone number, account number, social security number, and payment information (“Personal Information”). We do not share your personal information with any outside companies, except for our affiliate to process your online payment.

Log Data

Like many site operators, we may collect information that your browser sends whenever you visit our Site (“Log Data”). This Log Data may include information such as your computer’s Internet Protocol (“IP”) address, browser type, browser version, the pages of our Site that you visit, the time and date of your visit, the time spent on those pages and other statistics. We do not share or disclose information about your individual visits to our website to any outside companies.

Cookies

Cookies are files with small amount of data, which may include an anonymous unique identifier. Cookies are sent to your browser from a web site and stored on your computer’s hard drive. Like many sites, we use “cookies” to collect information. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent, however, our site does not behave differently if your computer transmits a “do not track” or similar notification.

Security

The security of your Personal Information is important to us. We have implemented reasonable physical, electronic, and procedural safeguards designed to prevent unauthorized intrusion, acquisition or misuse of your personal information. Additionally, our safeguards are designed to protect the confidentiality, prohibit disclosure, and limit access to those necessary of any personal information collected. However, remember that no method of transmission over the Internet, or method of electronic storage, is 100% secure. While we strive to use commercially acceptable means to protect your Personal Information, we cannot guarantee its absolute security.

Changes to This Privacy Policy

This Privacy Policy is effective as of August 31, 2020 and will remain in effect except with respect to any changes in its provisions in the future, which will be in effect immediately after being posted on this page. We reserve the right to update or change our Privacy Policy at any time and you should check this Privacy Policy periodically. Your continued use of the Service after we post any modifications to the Privacy Policy on this page will constitute your acknowledgment of the modifications and your consent to abide and be bound by the modified Privacy Policy. If we make any material changes to this Privacy Policy, we will notify you either through the email address you have provided us, or by placing a prominent notice on our website.

Contact Us

If you have any questions about this Privacy Policy, please contact us:
Call: 1-866-460-2471 or write to:
Balanced Healthcare Receivables, LLC
PO Box 905
Nashua, NH 03060

SMS Policy

Short Codes: BHR, LLC short code is: 99432

Balanced Healthcare Receivables, LLC (BHR, LLC) provides its debtors the ability to receive text communications regarding account status updates, including the ability to pay their bill online.

You can cancel the SMS service at any time. Just text “STOP” to the short code. After you send the SMS message “STOP” to us, we will send you an SMS message to confirm that you have been unsubscribed.

If at any time you forget what keywords are supported, just text “HELP” to the short code. After you send the SMS message “HELP” to us, we will respond with instructions on how to use our service as well as how to unsubscribe.

We can deliver messages to most of the major mobile phone carriers: AT&T, Verizon Wireless, Sprint, T-Mobile, MetroPCS, U.S. Cellular, Alltel, Boost Mobile, Nextel, and Virgin Mobile.

As always, message and data rates may apply for any messages sent to you from us and to us from you. The number of texts messages you receive will vary depending on your responses. If you have any questions about your text plan or data plan, it is best to contact your wireless provider. For all questions about the services provided by this short code, you can send an email to clientservices@bhrllc.com.

If you have any questions regarding privacy, please read our Privacy Policy.

State and Federal Regulations

 

ARIZONA

Within five days after the Initial communication with the debtor, a collection agency shall obtain, and be able to inform the debtor of: the name of the creditor; the time and place of the creation of the debt; the merchandise, services, or other value provided in exchange for the debt; and the. date when the account was turned over to the collection agency by the creditor. A collection agency shall give the debtor access to any of the collection agency’s records that contain the information listed above.

 

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.

California License: Application pending

 

COLORADO

FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE https://coag.gov/office-sections/consumer-protection/consumer-credit-unit/collection-agency-regulation/

Our local Colorado office is located at 4500 Cherry Creek Drive South, Suite 300 Glendale CO 80014 and the local phone number is 720-508-8688

 

KANSAS

An investigative consumer report, which includes information as to your character, general reputation, personal characteristics, and mode of living, has been requested. You have the right to request additional information, which includes the nature and scope of the investigation.

 

MASSACHUSETTS

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.

 

MAINE

Hours of Operation

M-TH: 8:00 to 8pm EST

F: 8:00 to 6:30 EST

Sat: 8-12 EST

 

MINNESOTA

This collection agency is licensed by the Minnesota Department of Commerce.

 

NORTH CAROLINA

North Carolina Permit Number: 103501

 

NEVADA

Hospital Collections

Important Notice

(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 acknowledgment of the debt by the debtor; and

(2) A waiver by the debtor of any applicable statute of limitations set forth in NRS 11.190 that otherwise precludes the collection of the debt; and

(2B) If the debtor does not understand or 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 ascribed to it in NRS 449.012.

 

NEW YORK

(1) Debt collectors, in accordance With the Fair Debt Collection Practices Act, 15 U.S.C.§ 1692 e.t 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.

(2) “If a creditor or debt collector receives a money Judgement 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, {SSl);
  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.

 

NEW YORK CITY

New York City Department of Consumer Affairs License Number: 1309368

Balanced Healthcare Receivables offers certain additional language access services for languages other than English. Balanced Healthcare Receivables has some staff that speak Spanish and Portuguese.

You may review a translation and description of commonly used debt collection terms in your preferred language on the website of the New York City Department of Consumer Affairs at

https://www1.nyc.gov/site/dca/consumers/Glossary-of-Common-Debt-Collection-Terms.page

Consumers may request the letter in an alternative, reasonably accommodatable format such as large print, selected by the collector by calling 1-866-460-2471

 

TENNESSEE

This collection agency is licensed by the Collection Service Board of the 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 if you fail to fulfill the terms of your credit obligations.

 

WISCONSIN

This collection agency is licensed by the Division of Banking in the Wisconsin Department of Financial Institutions. www.wdfl.org.