State and Federal Disclaimers

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.

We collect certain personally identifiable information, including without limitation, your name, full or partial social security number, account number(s), e-mail address, mailing address and/or date of birth (collectively, but not exclusively, “Personally Identifiable Information”) that you provide under the “Contact Us” feature on the Site.  You are at not required to provide any such Personally Identifiable Information in order to use the Site.  However, to the extent you desire to contact LCS Financial, we require that you submit such Personally Identifiable Information as is necessary for us to identify you and the matter about which you are contacting us. Additionally, we may collect other Personally Identifiable Information you provide LCS Financial through any other communication method, including without limitation, mail, e-mail, telephone and/or fax. 

 

We may disclose Personally Identifiable Information that you provide to affiliates of LCS Financial and/or to unaffiliated third parties related to the collection of debt, provided that any such disclosure will be made in compliance with applicable consumer credit regulations. We will not give, sell or otherwise transfer any Personally Identifiable Information obtained to any other party for the purpose of enabling such other party to initiate, or to enable others to initiate, unsolicited commercial messages to you.

 

If you are a California resident, you have the right to receive: (a) information identifying any third party company(ies) to whom we may have disclosed, within the previous calendar year, your Personally Identifiable Information for that company’s direct marketing purposes; and (b) a description of the categories of Personally Identifiable Information disclosed. To obtain such information, please email your request to privacy@lcsfin.com.  Pursuant to 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.

 

Colorado:

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 WWW.COAG.GOV/CAR.

 

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.

 

Minnesota:

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

 

New York:

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.

 

North Carolina:

North Carolina Permit Number: 4402.

 

Tennessee:

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