Consumer Disclosures

This communication is from a Debt Collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.

  “We are required under state law to notify consumers of the following rights. This list does not contain a complete list of the rights consumers have under state and federal law.

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 visit www.ftc.gov.”


“Nonprofit credit counseling services may be available in the area.”

 

“As required by California 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.”

Colorado

 

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.

Local Office: 13111 E. Briarwood Ave., Centennial, CO 80112, Local Phone: 303-309-3839  

For information about the Colorado Fair Debt Collection Practices Act, see www.coloradoattorneygeneral.gov/ca

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 City

 

This Collection Agency is licensed by the New York City Dept. of Consumer Affairs Permit # 1116152

 

North Carolina

 

This Collection Agency is licensed by the North Carolina Dept of Insurance Permit # 3791

 

Tennessee

 

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

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.”
PRIVACY NOTICE

PRIVACY NOTICE

This Privacy Notice is being given on behalf of each of the following related companies (the “Sherman Companies”).  It describes the general policy of the Sherman Companies regarding the personal information of customers and former customers.
         
         

Sherman Acquisition Limited Partnership

Sherman Acquisition II Limited Partnership

Sherman Acquisition L.L.C.

Limestone Asset Management LLC

Granite Asset Management LLC    

Resurgent Capital Services L.P.

Resurgent Capital Services PR LLC

LVNV Funding, LLC

Ascent Card Services, LLC

Ascent Card Services II LLC

 

Anson Street LLC

Ashley Funding Services LLC

SFG REO, LLC

PYOD LLC

 

 

Information We May Collect.  The Sherman Companies may collect the following personal information: (1) information that we receive from your account file at the time we purchase or begin to service your account, such as your name, address, social security number, and assets; (2) information that you may give us through discussion with you, or that we may obtain through your transactions with us, such as your income and payment history;  (3) information that we receive from consumer reporting agencies, such as your creditworthiness and credit history, and (4) information that we obtain from other third party information providers, such as public records and databases that contain publicly available data about you, such as bankruptcy and mortgage filings.  All of the personal information that we collect is referred to in this notice as “collected information”.

 

Confidentiality and Security of Collected Information.  At the Sherman Companies, we restrict access to collected information about you to individuals who need to know such collected information in order to perform services in connection with your account.  We maintain physical safeguards (like restricted access), electronic safeguards (like encryption and password protection), and procedural safeguards (such as authentication procedures) to protect collected information about you.

 

Sharing Collected Information with Affiliates From time to time, the Sherman Companies may share collected information about customers and former customers with each other in connection with administering and collecting accounts to the extent permitted under the Fair Debt Collection Practices Act.

 

Sharing Collected Information with Third Parties  The Sherman Companies do not share collected information about customers or former customers with third parties, except as permitted in connection with administering and collecting accounts under the Fair Debt Collection Practices Act.      



PRIVACY NOTICE

Your privacy is important to Arrow. The following Privacy Notice applies to current and former individual customers. We collect and use nonpublic personal information (“information”) about you to conduct and manage our business.

Sources of this information include the following:

-Information we receive from your original creditor and from applications submitted by you to the original creditor;

-Information we receive from you through correspondence or communication with us, whether by mail, telephone, or the Internet, and which may include your name, address, Social Security Number, assets, income, or other information you provide;

-Information about your transactions with us, our affiliates, or others, such as your account balance and payment history;

-Information we receive from third parties, such as consumer reporting agencies.

We only disclose information to affiliated and non-affiliated third parties as permitted or required by the federal Fair Debt Collection Practices Act (“FDCPA”). We may share information we collect with third parties that provide mailing and/or other collection-related services to us. When we share your information with these companies, they are required to limit their use of your information to the particular purpose for which it was shared and they are not allowed to share it with others except to fulfill that limited purpose. In addition, if permitted by FDCPA, we may also share your information with our affiliates and non-affiliated third parties if also permitted by applicable law.

We restrict access to nonpublic personal information about you to those employees who need to know that information to service your account or manage our business. We maintain physical, electronic, and procedural security measures to protect your information. You may have other privacy protections under state laws. The effective date of this notice is February 1, 2005. It replaces all prior privacy policies issued by Arrow Financial Services LLC or any other Arrow company. We reserve the right to amend this privacy notice at any time and we will inform you of any changes to this notice as required by law.

This notice is made on behalf of Arrow Financial Services LLC and all companies, trusts or other special purpose entities established by any Arrow company.