These terms and conditions are designed to provide you with information regarding our Online Payment Service (the "service") and outline important conditions which apply to the use of this service. This service is provided by D & A Services. The service is subject to certain consumer bank regulatory protections described in the Electronic Fund Transfers Act and regulations issued by the Federal Reserve Board. When you initiate an online payment with D & A Services, you and any person you authorize to perform functions on your account agree to these Terms and Conditions without limitation or qualification. Please read these Terms and Conditions carefully in their entirety. We also suggest that you print a copy of these Terms and Conditions for your records.
Important State Consumer Disclosures: The disclosure(s) contained under each respective State/City only apply to you, the Consumer, if you reside in that respective State/City.
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 Current Owner 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 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.
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 office and Resident Manager information is as follows: 7200 S. Alton Way, Suite B180, Centennial, CO 80112 (303) 768-0200
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.
This collection agency is licensed by the Minnesota Department of Commerce.
(1) That 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:
(2) 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:
New York City Department of Consumer Affairs License Numbers: 2024361-DCA, 2024421-DCA, 2092157-DCA.
Please contact us to confirm your preferred language for future communications. All communications are in English with the following exception: Spanish-speaking agents are available by phone upon request and other telephone translations may be available through Certified Languages International (a third party service provider), if permitted by your creditor. Written communications may be available in Spanish upon request. A translation and description of commonly-used debt collection terms is available in multiple languages at www.nyc.gov/dca.
This collection agency is licensed by the North Carolina Department of Insurance, Permit Number:
NC Permit 119507803; 1400 E Touhy Ave., Ste G2, Des Plaines, IL 60018
NC Permit 119506601; 11111 Wilcrest Green, Suite 225, Houston, TX 77042
NC Permit 119506559; 570 Carillon Parkway, Ste 103, St. Petersburg, FL 33716
This collection agency is licensed by the Collection Service Board of State Department of Commerce and Insurance.