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Friday, January 19, 2018

Consumer Disclosures

Consumer Information

The following information contains important information and disclosures for Electronic Communications, E-Sign and State Mandatory Consumer Rights.

This is an attempt, by a debt collector, to collect a debt, and any information obtained will be used for that purpose.

All correspondence to us should be sent to the following address: 

Automated Collection Services, Inc.
2802 Opryland Drive, Nashville, TN 37214

Toll Free Telephone Number: 800-467-2316
Normal Business Hours: Mon-Thurs 8:00 am to 5:00 pm, Friday 8:00 am to 3:00 pm CST

When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction.  When we use information from your check to make an electronic transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution.


We are pleased to offer you the opportunity to receive information about your account through electronic communications.  If you would like to receive correspondence and documents concerning your account from us via email, instead of paper copies through the mail, please review this notice and provide your consent. This E-Sign Consent and Disclosure Form applies to all communications for account(s) that you may receive from Automated Collection Services, Inc. (“ACSI”) regarding your account(s) that have been placed for collection with ACSI, except as otherwise prohibited by law.

Please read this Federal Electronic Signatures in Global and National Commerce Act (“E-SIGN”) Consent and Disclosure Form carefully.  You can record your consent to the E-Sign disclosure by RESPONDING VIA EMAIL TO ACSI WITH THE WORD “YES” affirming your consent to the electronic delivery of any disclosures, agreements, change notices, changes to the terms and conditions of your account and any other documents or notices (collectively, the “Documents”) that we may provide to you regarding your account.  You have the right to request a paper copy of Documents, however, we may not provide you with paper (non-electronic) copies of any documents unless specifically requested by you.  You will not be charged a fee for any paper copies requested. 

Please note that agreement to this E-Sign Consent and Disclosure will not result in enrollment in paperless statements.

Definitions.  The words “we”, “us”, and “our” refer to ACSI, and the words “you” and “your” refer to you, the consumer responsible for an account(s) and your authorized agents. 

“Account” means the account(s) in your name that has been placed with ACSI for collection. 

“Electronic signature” means symbols or other data in digital form attached to an electronically transmitted document as verification of the sender’s intent to sign the document.

Communications to be provided in Electronic Form:
By consenting to this agreement, you agree that ACSI may provide you with any communications that we may choose to make available in electronic format, to the extent provided by law, and that we may discontinue sending paper communications to you, unless and until you withdraw your consent as described below.  Your consent to receive electronic communications and transactions includes, but is not limited to:

  • Any communication concerning the status of your account(s) that has been placed with ACSI for collection.
  • All legal and regulatory disclosures and communications associated with your account(s).
  • Notices or disclosures about a change in the terms of your account(s) or associated payment arrangements.
  • Privacy policies and notices.
  • Monthly (or other periodic) billing or account statements for your account(s) or other communications concerning your account(s).

We also need your consent to use electronic signatures in our relationship with you.

Method of Providing Communications to You in Electronic Form:
All communications that we provide to you in electronic form will be provided either (1) via e-mail; (2)
by access to a web site that we will designate in an e-mail notice that we send to you at the time the
information is available, (3) to the extent permissible by law, by access to a web site that we will
generally designate in advance for such purpose, or (4) by requesting you download a PDF file
containing the communication.

How to Withdraw Consent:
You may withdraw your consent to receive electronic communications at any time by calling us at 866-
376-7835 or emailing us at . At our option, we may treat your provision of an invalid email address, or the subsequent malfunction of a previously valid e-mail address, as a withdrawal of
your consent to receive electronic communications. You will not be charged any fee to process the
withdrawal of your consent to receive electronic communications. Any withdraw of your consent to
receive electronic communications will be effective only after we have had a reasonable period of time
to act on your notice of withdraw.

How to update your records:
It is your responsibility to provide us with a true, accurate and complete e-mail address and other
contact information, and to promptly provide us with any updates to your contact information. You may
provide updated contact information to us by calling 866-376-7835 or emailing us at

Hardware and Software Requirements:
In order to access, view and retain electronic communications that we make available to you, you must
have the following:

  •  Internet access and an e-mail account;
  • Access to a printer in order to print documents;
  • Sufficient electronic storage capacity on your personal computer’s hard drive or other data
    storage unit;
  • Adobe Reader may be downloaded from this website

Paper copies:

You may request a paper copy of communications by calling 866-376-7835 or emailing us at

Communications in writing:
All communications that we send to you in either electronic or paper format will be considered to be
communications “in writing”, and you should print or download copies of all such communications,
including this Consent form, for your personal records.

Federal Law:
You further acknowledge and agree that your consent to electronic communications is being provided in connection with a transaction affecting interstate commerce that is subject to the federal Electronic Signatures in Global and National Commerce Act (E-Sign Act – 15 U.S.C. §§ 7001 – 7006), and that the E-Sign Act shall apply to the fullest extent possible to validate our ability to conduct business with you via electronic communications.


By clicking on the “Submit” button below, you will provide us with your affirmative consent to use electronic signatures and to use and receive electronic records. By providing your consent, you further agree that your computer system satisfies the hardware and software requirements specified in the above E-Sign Disclosure and Consent form, and that you have provided us with your current email address so that we may send you electronic communications.


We are required under state law to notify consumers of the following rights. The following notices apply to persons who reside in those states. This list does not contain a complete list of the rights consumers have under state and federal law. 

California Residents
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 For medical debts only - Nonprofit credit counseling services may be available in the

Colorado Residents
FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE WWW.COAG.GOV/CAR. 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: 7200 S. Alton Way, STE B180, Centennial, CO. 80112, 720-508-1781

Massachusetts Residents
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 Residents
This collection agency is licensed by the Minnesota Department of Commerce. For medical debts only - If you feel that your concerns have not been addressed, please contact our consumer help line at 877-483-5751 and allow us the opportunity to try and address your concerns. Or you have the option to address any concerns with the Minnesota Attorney General’s Office, which can be reached at 651- 296-3353 or 1-800-657-3787.

Nevada Residents –For medical debts only
If the consumer pays or agrees to pay the debt or any portion of the debt, the payment or agreement to pay may be construed as: (1) an acknowledgment of the debt by the consumer; and (2) a waiver by the consumer of any applicable statute of limitations set forth in NRS 11.190 that otherwise precludes the collection of the debt; and (3) if the consumer does not understand or has questions concerning his/her legal rights or obligations relating to the debt, the debtor should seek legal advice.

New York State Residents
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:

  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.

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:         
          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.

New York City Residents
New York City Department of Consumer Affairs License Numbers: 2011364-DCA, 2010680-DCA.

Automated Collection Services, Inc. Consumer Help Desk
For assistance you may contact – 877-483-5751 Eric Burgos

North Carolina Residents
North Carolina permit number: 4449 and 111775 

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

Utah Residents
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.

Wisconsin Residents
This collection agency is licensed by the Division of Banking in the Wisconsin Department of Financial Institutions,

Payment in Full
Because your credit agreement may require you to pay interest on the outstanding portion of your balance, as well as late charges and costs of recovery, which vary from day to day, as you agreed in your credit agreement, the amount required to pay your account in full on the day you send payment may be greater than the amounts that appear in our written communications. If an amount is stated on a letter and you pay that amount, an adjustment may be necessary after we receive your payment. In that event, we will notify you of any adjustment in your balance. We encourage you to call prior to making a payment intended to pay your account in full.

Email Communications
By emailing ACSI, you are requesting to receive email from ACSI on an ongoing basis. You understand email is not a protected method of communication. By emailing and/or providing your telephone number you are giving express consent to call and/or reply to your personal email. Your response also provides assurance that the email address provided is safe for your use. You may withdraw consent or opt out by emailing ACSI. You may need Adobe Acrobat Reader to access some of the electronic records that may be sent to you.

CONFIDENTIALITY NOTICE FOR EMAIL: This e-mail communication, including any attachments, is covered by the Electronic Communication Privacy Act of 1986 (18 U.S.C. sections 2510-21) and may contain information protected by the federal regulations under the Health Insurance Portability and Accountability Act of 1996 (45 C. F. R. Parts 160-164) or other confidential information. If you are not the intended recipient (or authorized to receive for the recipient), you are hereby notified that any review, disclosure, dissemination, distribution or copying of this communication is strictly prohibited. If you have received this communication in error, please delete and/or destroy all copies of this communication and any attachments. No confidentiality or privilege is waived by errant delivery. E-mail transmissions cannot be guaranteed to be safed or error-free as information could be intercepted, corrupted, lost, destroyed, arrive late, incomplete, or contain viruses. Therefore, the sender, Automated Collection Services, Inc. does not accept liability for any errors or omissions in the contents of the Message.