Consumer Disclosure

CALIFORNIA: California Civil Code section 1785.26(c)(2)

“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.” But we will not submit a negative credit report to a credit reporting agency about this credit obligation prior to 90 days from the date of this letter.

The Rosenthal Act, California Civil Code Section 1788.21, also requires that you notify your creditor of your change of name, address, or employment for any existing consumer credit.
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. State and Federal law require debt collectors to treat you fairly, and prohibit debt collectors from using profane language or making improper communications with third parties, including your employer.

The California Consumer Privacy Act requires that we disclose the categories of personal information we typically collect about a consumer. These categories are:

(a) personal identifying information, like name, address and account number, social security and drivers’ license number, as well as other identifying information, which we obtain from the consumer’s creditor, credit reports, other skip tracing tools, and the consumer;
(b) characteristics such as age, gender, etc., which we obtain from the consumer’s creditor and consumer’s credit report;
(c) retail information, which we obtain from the consumer’s creditor and the consumer’s credit report;
(d) internet activity regarding online payments, which we collect if the consumer visits our website or payment portal;
(e) geolocation data, which we obtain from process servers and/or if the consumer visits our website or payment portal;
(f) recordings, which are made when the consumer has a telephone conversation with us;
(g) professional and employment related information, which we obtain from the consumer, the consumer’s creditor, credit reporting agencies, and other skip tracing sources;
(h) educational information, which we obtain from the consumer, the consumer’s creditor, credit reporting agencies, and other skip tracing sources; and,
(i) health insurance information, which we obtain from the consumer’s creditor or the consumer, if we are collecting medical debt. Grant & Weber may also obtain medical information as may be included on an Itemized Statement and/or an Explanation of Benefits.

All of the information that is collected will be used for debt collection purposes. Our privacy policy can be found at universal accounts.net. Universal Accounts LLC does not and will not sell personal information. If you wish to request the categories of information or the actual information we have collected about you, please call us at 1-626-356-7900 or visit our website at universal accounts.net and click on Compliance and view Privacy Policy. To request this notice be provided in an alternative format, please fill out our contact form and someone from our team will be in contact.