Communication Preferences

Federal law under the FDCPA and Regulation F, along with certain state laws, gives you meaningful control over how we may contact you. Our internal policies apply those rules to every account, and we honor your preferences as soon as they are recorded on your account file.

Depending on the information a creditor provides when they place an account with us, we may contact you by:

• Telephone (voice call and, where applicable, voicemail).
• Text message.
• Email.
• Written correspondence sent by mail.
• Secure portal messages when you have registered for an online account.

You may ask us to use only certain channels — for example, mail only, email only, or no text messages.

Unless you give us different instructions, we will assume the following:

• Contact by telephone is limited to the hours of 8:00 a.m. to 9:00 p.m. in your time zone.
• We will not contact you at a time or place we know or should know is inconvenient.
• We will not contact you at work if we know or should know that your employer prohibits such communications.

You can tighten these defaults — for example, ask us to call only in the evenings, only on weekends, or only during your lunch hour.

Regulation F generally caps outbound calls to no more than seven within a seven-day period per debt, and to no calls for seven days after a telephone conversation about that debt. You may ask us to contact you less often than these caps allow.

Every email and text message we send about a debt includes a reasonable and simple way to opt out of that channel. Following an opt-out instruction from an email or a text message stops that channel for that account. It does not, on its own, cease communication through other channels or on other accounts.

Under 15 U.S.C. § 1692c(c) you may notify us in writing that you wish us to stop communicating with you about a debt. When we receive that notice, we may communicate with you only to:

• Confirm that no further communications will be sent.
• Notify you of a specific action that we or the creditor may take.
• Notify you that we or the creditor intends to invoke a specific remedy that is ordinarily invoked.

A cease-communication request restricts our contact with you. It does not eliminate the underlying debt, and the account may still be pursued through other lawful means, including through properly licensed counsel.

If you are represented by an attorney with respect to a debt, please provide us with the attorney's name, firm, telephone number, and email or mailing address. Once we have that information, we will direct communications about the debt to your attorney.

You can set or change your preferences in any of the following ways:

• Submit our Notice Recipients form and select "Set a communication preference." Include the channel, hours, and frequency that work for you.
• Reply to any email with an opt-out link, or follow the STOP instructions in a text message, to opt out of that specific channel for that account.
• Write to us at the mailing address on your validation notice or on this website. Include your name, account or reference number if you have it, and your requested preferences.
• Call us at [PHONE] during business hours and ask the representative to record your preferences.

We keep a written record of every preference you submit and every cease-communication request. On request, we can confirm what preferences are on file for your account. If you believe we have contacted you contrary to a preference you set, please let us know through our Notice Recipients page so that we can investigate.