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Terms and Conditions
This is an attempt to collect a debt, any information obtained will be used for that purpose. This is a communication from a debt collector.
TERMS, CONDITIONS, AND PRIVACY/SECURITY POLICY
Your payment transaction will be completed upon (a) approval by your credit card company and (b) Outsource Receivables Management's acceptance of your payment. If your payment does not process for any reason, Outsource Receivables Management may contact you using the contact information you have provided to them or to your original creditor. By registering an account through this portal, you consent to Outsource Receivables Management sending you e-mails, calling you on your cell phone, or sending you a text message on your cell phone, using an automatic Telephone Dialing System. If your payment does not process for any reason, your account will not be credited with a payment. You will remain responsible for the outstanding balance on your account as well as any penalties, late fees and interest charges that may be legally applied to your account.
PRIVACY/SECURITY POLICY OF ON-LINE PROCESSING
Collection of Information
Outsource Receivables Management will collect and use information obtained from credit card transactions only for business purposes. We respect and are committed to protecting your privacy. We may collect personally identifiable information when you visit our site. We also automatically receive and record information on our server logs from your browser including your IP address, cookie information and the page(s) you visited.
Protecting Your Credit Card Information
The credit card information provided to Outsource Receivables Management will be stored in a confidential manner. All information is encrypted and once entered into the website, our employees may not access your personal credit card information encrypted tokens are used when transactions such as a refund must be issued back to the credit card. We maintain administrative, technical and physical safeguards to protect your information from loss, theft, and misuse, and unauthorized access, disclosure, alteration, and destruction.
Disclosure of Your Information
Outsource Receivables Management does not disclose any nonpublic information (such as demographic information, credit card numbers, expiration dates, etc.) to anyone, except as required by law. We do not disclose information about you to other entities that may want to sell their products to you. We will not sell your personally identifiable information to anyone.
Outsource Receivables Management, through our third party payment provider Infinity Payment Solutions, uses Transport Layer Security (TLS 1.2) protocol to ensure transaction security. Your payment and personal information is always safe. The TLS software used by Infinity Payment Solutions is the industry standard for secure commerce transactions. All of your personal information is encrypted, including demographic and credit card information.
In the event where a refund is requested and warranted, a refund for the services charged must be reimbursed to the credit card account charged in the initial transaction.
What is Infinity Payment Solutions?
Infinity Payment Solutions is the third party vendor contracted with Outsource Receivables Management to provide secure online payments, and additionally has contracted to process online credit card payments for Outsource Receivables Management customers.
Why are we using a third party vendor?
Infinity Payment Solutions has the expertise in online payment systems to meet all security and privacy issues, and meets the banking and credit card industry compliance requirements. Our contract with them ensures that the processes are compliant with all regulations governing the processing of online credit card payments.
THE FOLLOWING DISCLOSURE APPLIES TO RESIDENTS OF 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. As required by 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.
THE FOLLOWING DISCLOSURE APPLIES TO RESIDENTS OF COLORADO:
FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE WWW.COLORADOATTORNEYGENERAL.GOV/CA 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.
THE FOLLOWING DISCLOSURE APPLIES TO RESIDENTS OF CONNECTICUT:
This collection agency is licensed in Connecticut, License number CCA-934289 NMLS # 934289
THE FOLLOWING DISCLOSURE APPLIES TO RESIDENTS OF MAINE:
If you have an issue about the way we are collecting your debt, contact the Maine Department of Professional and Financial Regulation, Bureau of Consumer Credit Protection at 35 State House Station, Augusta, ME 04333, 207424-8527.
THE FOLLOWING DISCLOSURE APPLIES TO RESIDENTS OF 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 (10) days unless you provide written confirmation of the request postmarked or delivered within seven (7) days of such request. You may terminate this request by writing to Outsource Receivables Management
THE FOLLOWING DISCLOSURE APPLIES TO RESIDENTS OF MINNESOTA:
This collection agency is licensed by the Minnesota Dept. of Commerce.
THE FOLLOWING DISCLOSURE APPLIES TO RESIDENTS OF NEW YORK:
This collection agency is licensed by the Department of Consumer Affairs of the City of New York, License number 2097537-DCA Outsource Receivables Management conducts its business in English, however, we are able to provide limited foreign language access services in Spanish but cannot guarantee such services will be available at all times during the workday. 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. 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
- the use or threat of violence;
- use of obscene or profane language; and
- Supplemental security income, (SSD;
- Social security;
- Public assistance (welfare);
- Spousal support, maintenance (alimony) or child support;
- Unemployment benefit;
- Disability benefits;
- Workers' compensation benefits;
- Public or private pensions;
- Veterans' benefits:
- Federal student loans, federal student grants, and federal work study funds; and
- Ninety percent of your wages or salary earned in the last sixty days.
THE FOLLOWING DISCLOSURE APPLIES TO RESIDENTS OF NORTH CAROLINA:
Our address and North Carolina Department of Insurance Permit Number 103271
THE FOLLOWING DISCLOSURE APPLIES TO RESIDENTS OF TENNESSEE:
This collection agency is licensed by the collection service board, State Department of Commerce and Insurance, 500 James Robertson Parkway, Nashville, Tennessee 37243.
THE FOLLOWING DISCLOSURE APPLIES TO RESIDENTS OF TEXAS:
CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV
THE FOLLOWING DISCLOSURE APPLIES TO RESIDENTS OF 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.
THE FOLLOWING DISCLOSURE APPLIES TO RESIDENTS OF WYOMING:
As required by law, you are hereby notified that a negative credit report on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.
THE FOLLOWING DISCLOSURE APPLIES IF YOUR DEBT IS PAST THE STATUTE OF LIMITATIONS:
The law limits how long you can be sued on a debt. Because of the age of this debt you cannot be sued for it. Depending on the state you reside, there are certain circumstances that can renew the debt and start the period for which the creditor can file a lawsuit to collect your debt, including but not limited to making a partial payment, providing a written promise to pay or otherwise affirming the debt. You should confer your state’s law to determine the effect of any action you take with respect to this debt. Please note each states’ law varies.