State and Federal Disclosures
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.
We collect certain information including your name, full or partial social security number, account number(s), e-mail address, mailing address, financial information, and/or date of birth (“Personally Identifiable Information” or “PII”) that you choose to provide to our office. We use this information only for debt collection purposes and will not give, sell or otherwise transfer any PII obtained to any third party for any reason other than debt collection.
If you are a California resident, you have the right to receive information about what types of PII we have collected and about any third parties to whom we have provided your PII in the past year for them to use for marketing to you. If you would like that information, please email your request to [email protected]. Under California law, California residents can opt out of the sale of their information by clicking the “Do Not Sell My Information” button on our home page at www.lcsfin.com.
The state of Colorado requires that we furnish Colorado residents with the following information: 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 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/.
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.
New York City Department of Consumer Affairs license number 1232415
Collections Unit Manager: George Selfridge, 720-221-5874.
If a creditor or debt collector receives a money judgment against you in court, state and federal laws 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.
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.
LCS Financial Services conducts its business in English and all written communications will be in English, however, we offer limited foreign language access services orally in Spanish. If you inform us that Spanish is your preferred language, we will communicate with you in Spanish by phone. You can obtain information in multiple languages on the NYC Department of Consumer Affairs Web site at www.nyc.gov/dca.
You may request that any letter from our office be sent to you in large print or PDF format by calling our office at 866-662-9087.
North Carolina Permit Number: 119500959.
This collection agency is licensed by the Collection Service Board of the Department of Commerce and Insurance.