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Vengroff Williams, Inc. State Licensing

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Vengroff Williams, Inc. (VWI) is a leading provider of accounts receivable management, Healthcare RCM, Healthcare Subrogation, and debt collection agency. With over 60 years of industry expertise, VWi is committed to ethical, compliant, and effective collection solutions.

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As a nationally recognized collection agency, Vengroff Williams, Inc. has secured the appropriate state licenses to operate. Our licensing ensures that we can pursue debt recovery while complying with state-specific regulations.

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  • Licensed Nationwide: VWI holds active licenses in all required states, ensuring that our operations meet state-specific regulations for debt collection.

  • Continual Compliance: We stay updated with any changes in state laws, regulatory requirements, and consumer protection standards, maintaining the highest level of operational integrity.

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State of Nevada Notice of Manager and Compliance License:

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NMLS # 920359

Compliance Manager Certificate Number CM12858

NMLS # 2604623 for Compliance Manager

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State of New York

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

“Debt collection agency” shall mean a person, firm or corporation engaged in business, the principal purpose of which is to regularly collect or attempt to collect debts: (a) owed or due or asserted to be owed or due to another; or (b) obtained by, or assigned to, such person, firm or corporation, that are in default when obtained or acquired by such person, firm or corporation.

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.

This collection agency, in accordance with the Fair Debt Collection Practices Act, 15 U.S.C. §1692 et seq., is 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 you feel your concerns have not been addressed, please contact our Compliance Department at 800-280-1183 Extension 112 to report them.

The New York State Department of Financial Services (23 NYCRR 1.2(b)(2)) requires the following disclosure for charged-off debts: Charges, fees or interest are not applicable or will not be charged.

For Deceased Collections:
No principal creditors and/or debt collection agencies shall make any representation that a person is required to pay the debt of a family member in a way that contravenes with the Fair Debt Collection Practices Act (15 USC 1692 et seq.). In addition, the principal creditors and/or debt collection agencies shall not make any misrepresentation about the family member’s obligation to pay such debts.

Debtor's Rights:
As a debtor who owes or may owe a consumer claim, you are given some protection and rights by the New York and federal laws regulating debt collection procedures. You should be aware of your rights.

• A debt collector may contact you or any member of your family or household directly. However, they may not contact you with such frequency, at unusual hours, or in a manner that can be expected to abuse or harass you. They also cannot threaten action which they do not take in the usual course of business.

• A debt collector may not threaten to contact your employer regarding a debt prior to obtaining a final judgment against you. However, a debt collector may contact your employer to execute a wage assignment agreement if you, the debtor, have agreed to the assignment.

• A debt collector cannot use a communication which appears to be authorized, issued, or approved by a government agency or attorney when it is not.

• A debt collector cannot disclose or threaten to disclose information affecting your reputation for creditworthiness if the collector know or has reason to know the information is false. A debt collector also cannot attempt or threaten to enforce a right when it knows or has reason to know the right does not exist.

• For more information about your rights under state and federal debt collection procedures law, contact the Consumer Protection Division of the New York State Department of State at 1-800-697-1220, 1-518-474-8583 or www.dos.ny.gov/consumerprotection. You may also contact the New York State Attorney General at 1-800-771-7755 or https://ag.ny.gov/complaint-forms.

If your debt is past the statute of limitations, you are hereby notified of the following important consumer information:

We are required by regulation of the New York State Department of Financial Services to notify you of the following information. This information is NOT legal advice: Your creditor or debt collector believes that the legal time limit (statute of limitations) for suing you to collect this debt may have expired. It is a violation of the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq., to sue to collect on a debt for which the state of limitations has expired. However, if the creditor sues you to collect on this debt, you may be able to prevent the creditor from obtaining a judgment against you. To do so, you must tell the court that the statute of limitations has expired. Even though the Statute of Limitations has expired, you may choose to make payments. However, be aware: if you make a payment, admit to owing the debt, promise to pay the debt, or waive the statute of limitations of the debt, the time period in which the debt is enforceable in court may start again. If you would like to learn more about your legal rights and options, you can consult an attorney or a legal assistance or legal aid organization.

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Language access services are available, and may obtain by a translation request for any other language than English; and  description of commonly-used debt collection terms is available in multiple languages from the Department’s website, www.nyc.gov/dca

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State of New Mexico

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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).

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For more information about our licensing, compliance, or to inquire about our services, please reach out to our compliance department or contact us directly through our contact page.

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

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