Consumer Bill of Rights
The Right to Be Informed
- The consumer will be sent a letter notifying them of the amount owed, the name of the creditor and the process to follow if they dispute the bill.
- Once we receive the dispute in writing, we will contact the creditor to validate the debt. We will follow-up by sending a validation letter to the consumer and allow them time to respond.
The Right to Courtesy and Convenience
- We will not call the consumer before 8 a.m., after 9 p.m., or any other time the consumer notifies us as not convenient for them.
- Credit Management will not call the consumer at their place of employment if they have asked us not to.
- Payments can be made conveniently over the phone with debit cards, credit cards and check-by-phone.
- Spanish interpreters are available for phone calls and at our payment center.
The Right to Privacy
- Credit Management will only discuss the debt with the consumer, the consumer’s current spouse, the consumer’s attorney, and the creditor. We will NOT discuss the consumer’s debt with any other third party. This includes other family members, neighbors, employers, and friends.
- Credit Management employees are trained on HIPAA requirements. They also sign and comply with a policy of confidentiality to ensure personal information is not disclosed.
The Right to be Heard
- Account Associates are available by phone 8a.m. to 5p.m. CST, to speak with consumers regarding their account.
- We will be responsive to questions, issues, and concerns to help you gain understanding. Appropriate action will be taken when deemed necessary for the situation.