Important Consumer Information

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FEDERAL AND STATE DEBT COLLECTION LAWS AND/OR THE FAIR CREDIT REPORTING ACT REQUIRE THE FOLLOWING DISCLOSURES

Required by Fair Debt Collection Practices Act:

This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for this purpose.  UNLESS YOU NOTIFY THIS OFFICE WITHIN 30 DAYS AFTER RECEIVING THIS NOTICE THAT YOU DISPUTE THE VALIDITY OF THIS DEBT OR ANY PORTION THEREOF, THIS OFFICE WILL ASSUME THIS DEBT IS VALID. IF YOU NOTIFY THIS OFFICE IN WRITING WITHIN 30 DAYS FROM RECEIVING THIS NOTICE THAT YOU DISPUTE THE VALIDITY OF THIS DEBT, OR ANY PORTION THEREOF, THIS OFFICE WILL OBTAIN VERIFICATION OF THE DEBT OR OBTAIN A COPY OF A JUDGMENT AND MAIL YOU A COPY OF SUCH JUDGMENT OR VERIFICATION. IF YOU REQUEST THIS OFFICE IN WRITING WITHIN 30 DAYS AFTER RECEIVING THIS NOTICE, THIS OFFICE WILL PROVIDE YOU WITH THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR, IF DIFFERENT FROM THE CURRENT CREDITOR.

Required by Fair Credit Reporting Act:

You have a right to inspect your credit report.

ALL STATES:  you are hereby notified that a negative credit report reflecting of your credit record may be submitted to a credit reporting agency if you fail to the terms of your credit obligations.

The collection agent assigned to your account may change from time to time, if you experience any difficulty finding the appropriate collection agent handling your account, contact our office at 800-229-4531.

CALIFORNIA:
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.

Authorization for payments via credit card or check:
When paying with a credit card or electronic check, you hereby authorize Southern Management Systems, Inc. to charge your credit card or bank account on behalf of your Billing Agency for the amount listed on the payment information screen.

Your credit card statement will show your Billing Agency's name and the Original Creditor, not Southern Management Systems, Inc.



 
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