Terms of Use

This website is here for your convenience.  By using this site you agree that you have received or have  been notified of all legal disclosures.

We have listed them here for your benefit

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.

You are advised that unless you dispute the validity of the foregoing debt or any portion thereof within 30 days after receipt of this letter, we will assume the debt to be valid.  On the other hand, if you notify us in writing within said 30-day period that the debt or any portion thereof is disputed, we will obtain verification of the debt and will mail you a copy of such verification.  You are also advised that upon your request within the aforesaid 30 days, we will provide you with the name and address of your original creditor, if different from the creditor referred to in this letter.

All Payment options are provided for your convenience, at  your request, any fees associated to the payment option selected are not additions to the debt owed.

In the event that you email our office, you agree to having us reply via email and that access by any third party to your email is your responsibility.

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