Federal and State Disclosures / Privacy Policy
NOTICE OF IMPORTANT RIGHTS!
RMA Consumer Education https://rmassociation.org/consumers/
Debt Recovery Solutions, LLC, d/b/a DRS-NY
We are required by law to notify consumers of the following rights. This list does not include a complete list of rights consumers have under state and federal laws.
IN 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 www.ftc.gov. 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. You may also request from us a copy of the contract or other document evidencing your agreement to the debt. A request for these records may be addressed to :Debt Recovery Solutions, LLC 6800 Jericho Turnpike Suite 113E Syosset NY 11791 and/or compliance@dbtsolutions.com
You may request records showing the following: (1) that Debt Recovery Solutions, LLC has the right to seek collection of the debt; (2) the debt balance, including an explanation of any interest charges and additional fees; (3) the date the debt became delinquent or the date of the last payment; (4) the name of the creditor and the account number associated with the debt; (5) the name and last known address of the debtor as it appeared in the creditor’s records prior to assignment of the debt; and (6) the names of all persons or entities other than the debt collector to which the debt has been assigned, if applicable.
IN 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. FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE HTTPS://COAG.GOV/OFFICE-SECTIONS/CONSUMER-PROTECTION/CONSUMER-CREDIT-UNIT/COLLECTION-AGENCY-REGULATION/. Our in state office address and telephone number is 1311 E. Briarwood Ave. Ste 340, Centennial, CO 80112; (303) 768-0200
IN 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 10 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 collection agency. You may contact us by telephone at (800) 851-9631 between 9:30 am and 8:00 pm Eastern Time Monday –Thursday, 9:30 am and 3:30 pm Eastern Time Friday, 9:30 am and 1:30 pm Saturday, or in writing at 6800 Jericho Turnpike, Suite 113E, Syosset NY 11791. Our Resident Agent is located a Corporate Services Company. 84 State Street, Boston, MA 02109. Hours are Mon-Fri 8:00 am – 5:30 pm (EST), (800)403-5272.
IN MINNESOTA: THIS COLLECTION AGENCY IS LICENSED BY THE MINNESOTA DEPARTMENT OF COMMERCE.
IN NEW YORK CITY: : This collection agency is licensed by the New York City Department of Consumer Affairs. The license number is : 1114291. New York City requires that we inform the consumer that we have an interactive website that can provide language translation and interpretation services of any communication in Spanish. A translation and description of commonly used debt collection terms is available in other languages on the Department of Consumer Affairs website at www.nyc.gov/dca.
IN TENNESSEE: This collection agency is licensed by the Collection Service Board, State Department of Commerce and Insurance. Tennessee ID number: 505
IN 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.
IN NORTH CAROLINA: This collection agency is licensed by the North Carolina Department of Insurance. The license number is 3945. Its true name is Debt Recovery Solutions, LLC. Its true address is 6800 Jericho Turnpike, Suite 113E, Syosset NY 11791.
IN BUFFALO: License Number: CAG11-522670
IN FLORIDA: License Number: CCA0900880
IN MARYLAND: License Number: 4446
IN NEVADA: 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 acknowledgement 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.
IN NEW MEXICO: Regarding the collection of medical debts in New Mexico, you can learn about consumers rights pursuant to the Surprise Billing Protection Act by accessing S.B. 337 (N.M. 2019)
IN WASHINGTON DC: You have the right to request all of the following concerning your debt: 1)Documentation of the name of the original creditor or owner of your debt; 2) Your last account number with the original creditor; 3)A copy of the signed contract, signed application, or other documents providing evidence of your liability and its terms; 4) The date that your debt was incurred; 5) The date of your last payment, if applicable; and 6) An itemized accounting of the amount claimed to be owed, including the amount of the principal, the amount of any interest, fees, or charges, and whether the charges were imposed by the original creditor, a debt collector, or a subsequent owner of the debt. You may request the above information by contacting us by phone, mail, or email, at the following: Telephone Number 1.800.851.9631; Address: Debt Recovery Solutions, LLC 6800 Jericho Turnpike, Suite 113E, Syosset, NY 11791; Email: compliance@dbtsolutions.com
Privacy Notice
In accordance with federal regulations, Debt Recovery Solutions is giving you this notice to tell you how we may use non-public personal information about you and your account (“Private Information”). This notice applies whether you are a current or a former customer of Debt Recovery solutions.
COLLECTION AND USE OF PRIVATE INFORMATION
We collect Private Information about you from the following sources:
Information we receive from you either directly or indirectly, such as information on applications or other forms, which may include your name, address, social security number and income. Information about your transactions with us or others, such as your account balance and payment history. Information we receive from consumer reporting agencies, such as your credit history and credit worthiness.
DISCLOSURE OF PRIVATE INFORMATION
We only disclose information we collect to affiliated and non-affiliated third parties as permitted by the federal Fair Debt Collection Practices Act. We may disclose information we collect to:
• Credit bureaus
• The original creditor and entities that have had an ownership interest in your account
• Entities that provide mailing services on our behalf
• Entities that provide collection-related services on our behalf
• Others, such as third parties, when you direct us to share information about you
• Affiliated and non-affiliated parties if not prohibited by the federal Fair Debt Collection Practices Act or by other applicable laws.
All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
MAINTENANCE OF ACCURATE INFORMATION
We have established procedures to correct inaccurate information in a timely manner. If you have any reason to believe that our record of your Private Information is incorrect, contact us in writing at 6800 Jericho Turnpike, Suite 113E, Syosset NY 11791. We will investigate the situation and, when appropriate, update our records accordingly.
PROTECTION OF INFORMATION
We restrict access to Private Information about you to our employees who need this information to provide products and services to you. We maintain physical, electronic, and procedural safeguards that are consistent with federal standards to guard your Private Information.
For account questions, comments, or general customer service, you may contact us at (800) 851-9631 Monday through Thursday from 9:30am to 8:00 pm Eastern time, Friday from 9:30 am to 3:30 pm Eastern time and Saturday from 9:30 am to 1:30 pm Eastern time, or you may write to us at 6800 Jericho Turnpike, Suite 113E, Syosset NY 11791.
By sending your check, please be aware that you are authorizing Debt Recovery Solutions, LLC to use information from your check to make a one-time electronic debit from your account at the financial institution indicated on your check.
IMPORTANT INFORMATION FOR CALIFORNIA CUSTOMERS
This information is in addition to the Privacy Notice provided above. This section applies only to California residents and is effective as of January 1, 2020. For purposes of this section, “Personal Information” has the meaning given in the California Consumer Privacy Act of 2018 (“CCPA”) but does not include information exempted from the scope of the CCPA.
Personal Information that we collect, use and share.
We have created a table below which summarizes how we collect and share Personal Information by reference to the categories specified in the CCPA, and describes how we have collected and shared Personal Information during the preceding 12 months. This Personal Information was collected for the business purpose of servicing accounts and collecting debts:
The following are the categories of Personal Information we collect and maintain as specified in the CCPA:The following are the sources we collect Personal Information from:The following are the categories of third parties with whom we share Personal Information:Identifiers (such as name; Address; Social Security number; online identifiers; email address; and other similar identifiers)Consumers; consumer transactions consumer reporting agencies; attorneys; authorized agents; entities that provide collection services on our behalf; and the original creditor and entities that have an ownership interest in the accountCredit reporting agencies; the original creditor and entities that have had an ownership interest in the account; entities that provide mailing services to us; entities that provide collection related services on our behalf; others, such as third parties, when you direct us to share information about you; and affiliated and non-affiliated parties if not prohibited by the Fair Debt Collection Practices Act or by other applicable lawsAudio (such as call recordings and other similar information)Consumers; attorneys; authorized agents; entities that provide collection related services on our behalf; and the original creditor and entities that have had an ownership interest in the account.Original creditor and entities that have had an ownership interest in the account; entities that provide collection related services on our behalf; others, such as third parties, when you direct us to share information about you; and affiliated and non-affiliated parties if not prohibited by the Fair Debt Collection Practices Ac t or by other applicable lawsFinancial Information (such as bank account information; debit card information; credit card information; and other similar financial information)Consumers; consumer transactions; consumer reporting agencies; attorneys; authorized agents; entities that provide collection related services on our behalf; and the original creditor and entities that have had an ownership interest in the account.Credit reporting agencies; the original creditor and entities that have had an ownership interest in the account; entities that provide collection related services on our behalf; others, such as third parties, when you direct us to share information about you; and affiliated and non-affiliated parties if not prohibited by the Fair Debt Collection Practices Ac t or by other applicable laws.Commercial Information (such as records of property, products or services purchased or other similar information)Consumers; consumer transactions; consumer reporting agencies; attorneys; authorized agents; entities that provide collection related services on our behalf; and the original creditor and entities that have had an ownership interest in the account.The original creditor and entities that have had an ownership interest in the account; entities that provide collection related services on our behalf; others, such as third parties, when you direct us to share information about you; and affiliated and non-affiliated parties if not prohibited by the Fair Debt Collection Practices Ac t or by other applicable laws.Internet or other Electronic Network Activity Information (such as information regarding your interaction with our websites and other similar information)Consumers; consumer transactions; attorneys; authorized agents; and the original creditor and entities that have had an ownership interest in the account.The original creditor and entities that have had an ownership interest in the account; entities that provide collection related services on our behalf; others, such as third parties, when you direct us to share information about you; and affiliated and non-affiliated parties if not prohibited by the Fair Debt Collection Practices Ac t or by other applicable laws.Professional or Employment Information (such as employment information or other similar information)Consumers; consumer reporting agencies; attorneys; authorized agents; entities that provide collection related services on our behalf; and the original creditor and entities that have had an ownership interest in the account.The original creditor and entities that have had an ownership interest in the account; entities that provide collection related services on our behalf; others, such as third parties, when you direct us to share information about you; and affiliated and non-affiliated parties if not prohibited by the Fair Debt Collection Practices Ac t or by other applicable laws
We have not sold any Personal Information to third parties for the preceding 12 months.
In the preceding 12 months, we have disclosed the following categories of Personal Information to third parties for a business purpose:
• Identifiers
• Audio
• Financial Information
• Commercial Information
• Internet or Other Electronic Network Activity Information
• Professional or Employment Information
Right to Know About Personal Information Collected, Disclosed, or Sold
California Consumers have a right to request that we disclose what Personal Information we collect, use, disclose or sell. Note: We do not and will not sell consumers’ Personal Information. To submit a request for this information, you may:
• Call us at 1.800.851.9631; or
• Write us at 6800 Jericho Turnpike Suite 113E Syosset NY 11791; or
• Write us at compliance@dbtsolutions.com.
After your submission, we will confirm receipt of your request within 10 days unless we provide a response within that timeframe. We will verify your identity by matching information you provide to your Personal Information we maintain. We will respond to your request within 45 days of receipt unless more time is necessary, in which case will inform you.
Right to Request Deletion of Personal Information
California Consumers have a right to request the deletion of Personal Information that we have collected from them and maintain. To submit a request for disclosure of this information, you may: Call us at 1.800.851.9631; or Write us at 6800 Jericho Turnpike Suite 113E Syosset NY 11791; or Write us at compliance@dbtsolutions.com
After your submission, we will confirm receipt of your request within 10 days unless we provide a response within that timeframe. We will verify your identity by matching information you provide to your Personal Information we maintain. We will respond to your request within 45 days of receipt unless more time is necessary, in which case will inform you.
Right to Opt-Out of the Sale of Personal Information
The CCPA provides that California Consumers have the right to opt-out of the sale of their Personal Information. However, we do not and will not sell your Personal Information.
Right to Non-Discrimination for the Exercise of a Consumer’s Privacy Rights
California Consumers have a right not to receive discriminatory treatment for the exercise of the privacy rights conferred by the CCPA.
Authorized Agent California Consumers can designate an authorized agent to make a request under the CCPA on their behalf. To do so, you must provide written authorization to your authorized agent to make the request on your behalf, and the authorized agent must provide us with that written authorization. In addition, we will need you to verify your identity with us directly and provide us authorization to speak with your authorized agent.
Contact Us for More Information If you have questions or concerns about these privacy policies, or if you wish to receive this Privacy Notice in a different format, please contact Debt Recovery Solution’s Customer Service Department at 6800 Jericho Turnpike Suite 113E Syosset NY 11791.
This privacy policy was last updated August 10, 2023.
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.