Please Verify Your Account (PLEASE NOTE:  When making online payments, please allow 2-3 business days for processing and for your balance(s) to update):

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Electronic Communication Consent

By entering this site, you consent to receive disclosures from us (which includes our agents and service providers) electronically through this web site or by email. By consenting to the electronic delivery of disclosures, you agree that we may provide electronically any and all communications concerning your obligation, including any disclosures required by federal or state law (the "Disclosures").

The Disclosures include those below and others that may be required pursuant to the federal Electronic Funds Transfer Act and Regulation E; the federal Fair Debt Collection Practices Act; the federal Telephone Consumer Protection Act; and any other applicable federal, state or local law or regulation. Your consent applies to any future transactions or interactions with us.

To electronically receive and view and electronically save or print the Disclosures, you must have: (1) a personal computer with Internet access; (2) a widely-used, recent-generation web browser (for example, Chrome, Safari, or Firefox); (3) a widely-used, recent-generation portable document file reader (for example, Adobe Reader); (4) an email address; and (5) either a printer, hard drive or other storage device. You understand that Disclosures may be sent to you by emails containing attachments in pdf format or sent to you by emails containing links to documents. If the information you have supplied us for contacting you electronically changes, please notify us of your new contact information by sending an email to info@arsllc.com. You represent that you have the hardware, software, email address and email capacities described above.

Prior to receiving any Disclosures electronically through our website, you may withdraw your consent to receive electronic Disclosures by exiting this website. If you do this, you will not be able to do business with us electronically. You may withdraw your consent after this time. To do so, send an email stating that you withdraw your consent to receipt of electronic disclosures info@arsllc.com or call 888-678-0028.  Include your name, address, and account number in any such request. If you do this, you will not be able to do business with us on a going-forward basis electronically but this will not affect any Disclosures provided to you electronically prior to your withdraw. You have the option to receive any information that we have provided electronically in paper form at no cost to you. To obtain a paper copy, please call us at 888-678-0028.

                                           DOWNLOAD DISCLOSURES

By entering this site, I acknowledge that I have read and agree to the terms and conditions.

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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. Nonprofit credit counseling services may be available in the area.

Colorado

FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE HTTPS://COAG.GOV/OFFICE-SECTIONS/CONSUMER-PROTECTION/CONSUMER-CREDIT-UNIT/COLLECTION-AGENCY-REGULATION/

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.

Colorado Office Address: 8690 Wolff Court, Suite 110 Westminster, CO  80031

Colorado Office Phone: (303)920-4763

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 TEN 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 DEBT COLLECTOR.

Minnesota

This collection agency is licensed by the Minnesota Department of Commerce.

North Carolina

North Carolina Department of Insurance company number 119503888.

New York

If your preferred language is not English, please contact us so that we may record your language preference. At this time, Asset Recovery Solutions, LLC provides Spanish speaking customer service representatives and collection letters and account notices translated into Spanish, upon request. A translation and description of commonly-used debt collection terms is available in multiple languages on the NYC Department of Consumer Affair’s website, www.nyc.gov/dca. Per S737A, you (consumer) can request communications in an alternative format such as large print, braille, or recorded audio disk, by calling us at 877-253-3543.

Licensed by the New York City Department of Consumer Affairs, license # 1309086

In accordance with the Fair Debt Collection Practices Act, 15 U.S.C.

§ 1692 et seq., Asset Recovery Solutions, LLC  is prohibited from engaging in abusive, deceptive, and unfair debt collection efforts, including but not limited to: (i) the use or threat of violence; (ii) the use of obscene or profane language; and (iii) repeated phone calls made with the intent to annoy, abuse, or harass.

If a creditor or debt collector receives a money judgment against you in court, state and federal laws may prevent the following types of income from being taken to pay the debt:

1. Supplemental security income, (SSI);

2. Social security;

3. Public assistance (welfare);

4. Spousal support, maintenance (alimony) or child support;

5. Unemployment benefits;

6. Disability benefits;

7. Workers’ compensation benefits;

8. Public or private pensions;

9. Veterans’ benefits;

10. Federal student loans, federal student grants, and federal work study funds; and

11. Ninety percent of your wages or salary earned in the last sixty days.

Tennessee

This collection agency is licensed by the Tennessee Collection Service Board, State Department of Commerce and Insurance.

Wisconsin

This collection agency is licensed by the Division of Banking in the Wisconsin Department of Financial Institutions, www.wdfi.org.