By logging in and accessing the account(s) provided, you authorize that you are the executor or authorized party for the estate in which the information refers to and not for any unauthorized or improper purpose.
ESIGN DISCLOSURE AND CONSENT
The Electronic Signatures in Global and National Commerce Act (ESIGN, Pub. L. 106-229, 14 Stat. 464, enacted June 30, 2000, 15 U.S.C. Ch. 96) is a United States federal law passed by the U.S. Congress to facilitate the use of electronic records and signatures in interstate and foreign commerce by ensuring the validity and legal effect of contracts entered into electronically. Although every state has at least one law pertaining to electronic signatures, it is a federal law that lays out the guidelines for interstate commerce.
The E-Sign Disclosure and Consent applies to all communications between you and AscensionPoint Recovery Services, LLC (“AscensionPoint”).
The words “we, us,” and “our” refer to AscensionPoint and the words “you” and “your” mean you, your heirs and your successors and assigns. “Communication” means any agreements or amendments thereto, disclosures, notices, responses to claims, transaction history, privacy policies and all other information related to the product or service, including but not limited to information that we are required by law to provide to you in writing.
- Scope of Communications to Be Provided in Electronic Form. When you use a product or service to which this disclosure applies, you agree that we may provide you with any communication in electronic format, and that we may discontinue sending paper communications to you unless otherwise required by law, unless and until you withdraw your consent as described below. Your consent to receive electronic communications and transactions includes, but is not limited to:
All legal and regulatory disclosures and communications associated with an account placed in our office;
Notices or disclosures about a change in the terms with an account placed in our office;
Privacy policies, terms of use and notices;
Communications that we may include from time to time relevant to an account placed in our office.
- Method of Providing Communications to You in Electronic Form. All Communications that we provide to you in electronic from will be provided either: (1) via e-mail; (2) via our web site or (3) to the extent permissible by law, by access to a web site that we will generally designate in advance for such purpose.
- How to Withdraw Consent. You may withdraw your consent to receive Communications in electronic form by contacting us at compliance@ascensionpoint.com or by calling (866) 594-1353, Monday through Friday, 8:00 a.m. to 5:00 p.m. (CST) or by contacting us by mail at:
AscensionPoint Recovery Services, LLC
Attn: Compliance Dept.
200 Coon Rapids Blvd., Suite 200
Coon Rapids, MN 55433
At our option, we may treat your provision of an invalid email address, as a withdrawal, or the subsequent malfunction of a previously valid email address, as a withdrawal of your consent to received electronic Communications. We will not impose any fee to process the withdrawal of your consent to receive electronic Communications; however your access and use of our online services may be terminated. Any withdrawal of your consent to receive electronic Communications will be effective only after we have a reasonable period of time to process your withdrawal.
- How to Update Your Records. It is your responsibility to provide us with true, accurate and complete e-mail address, contact, and other information related to this E-Sign Disclosure and Consent, an account placed within our office, and to maintain and update promptly any change in this information. You can update information (such as your e-mail address) by contacting us (866) 594-1353, Monday through Friday, 8:00 a.m. to 5:00 p.m. (CST) or by contacting us by mail at:
AscensionPoint Recovery Services, LLC
Attn: Compliance Dept.
200 Coon Rapids Blvd., Suite 200
Coon Rapids, MN 55433
- Hardware and Software Requirements. In order to access, view, and retain electronic Communications that we make available to you, you must have at the minimum:
- An Internet browser that supports 256 bit encryption;
- Sufficient data storage capacity on your computer’s hard drive or other data storage unit;
- An e-mail account with an Internet service provider and e-mail software in order to participate in our electronic communications programs;
- A personal computer or other device, operating system, and telecommunications connections to the Internet capable of receiving, accessing, displaying, and either printing or storing communications received from us in electronic form via email or by access to our web site using a browser meeting the requirements above;
- PDF document viewer software.
- Requesting Paper Copies. We will not send you a paper copy of any electronic communication provided to you from our office, unless you request it, it is required by law, or we otherwise deem it appropriate to do so. You can obtain a paper copy of an electronic communication provided to you from our office by printing it yourself or by requesting that we mail you a paper copy, provided that such request is made within a reasonable amount of time after we first provided the electronic communication to you. To request a paper copy, contact us at compliance@ascensionpoint.com or by calling (866) 594-1353, Monday through Friday, 8:00 a.m. to 5:00 p.m. (CST) or by contacting us by mail at:
AscensionPoint Recovery Services, LLC
Attn: Compliance Dept.
200 Coon Rapids Blvd., Suite 200
Coon Rapids, MN 55433
There is no charge for the delivery of paper copies of any electronic communication provided to you from our office. We reserve the right, but assume no obligation, to provide a paper (instead of electronic) copy of any communication that you have authorized us to provide electronically.
- Communications in Writing. All communications in either electronic or paper format from us to you will be considered “in writing”. You should print or download for your records a copy of this disclosure and any other communication that is important to you.
- Signature. By using the online services of AscensionPoint, you agree that an electronic facsimile of your signature or electronic agreement carries the full weight of a written signature.
- Federal Law. You acknowledge and agree that your consent to electronic communications is being provided in connection with a transaction affecting interstate commerce that is subject to the federal Electronic Signatures in Global and National Commerce Act (“Act”), and that you and we both intend the Act apply to the fullest extent possible to validate our ability to conduct business with you by electronic means.
- Termination/Changes. We reserve the right, in our sole discretion, to discontinue the provision of your electronic communications, or to terminate or change the terms and conditions in which we provide electronic communications. We will provide you with notice of any such termination or change as required by law.
- Consent. By clicking “I Agree” below, you agree to use our online system requiring electronic signature, e-statements, or e-notifications, or by other confirmation and you hereby give your affirmative consent to provide electronic communications to you as described above. You further agree that your computer or other device satisfies the hardware and software requirements specified above and that any e-mail address provided by you is current and we may send electronic communications to you via any email address provided.
E-MAIL OPT-IN DISCLOSURE
In addition to the above ESIGN Disclosure and Consent, by confirming your acceptance of these terms by clicking “I Agree” below, you acknowledge that you wish to receive ongoing private and personal electronic information from AscensionPoint, via e-mail, that such information is confidential, and that you will be the recipient of any information sent by AscensionPoint to the e-mail address that you provide. Furthermore, by clicking “I Agree”, you understand and acknowledge as follows: (1) that by providing an employer or shared e-mail account to us, you understand, acknowledge, and consent that emails from us to any email address designated by you may be accessed by others with access to such emails; (2) that email communications may be susceptible to interception by third parties; and (3) that despite the risks associated with e-mail communications, you agree that AscensionPoint may send you unencrypted emails containing private and personal information to the email addresses you designate.
TELEPHONE OPT-IN DISCLOSURE
By clicking “I Agree” below, you acknowledge and agree that AscensionPoint may contact you using any telephone numbers you enter using AscensionPoint’s online system and waive any confidentiality and privacy related to such telephone numbers. Furthermore, by clicking “I Agree” below, you acknowledge and agree that AscensionPoint may call any telephone numbers you provide utilizing an automatic telephone dialing system or other automated telephone systems.
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. This is an attempt to collect a debt from the estate and not from assets owned by you personally.
We are required under state law to notify consumers of the following rights. This list does not contain a complete list of the rights consumers have under state and federal law.
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.
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: 3025 South Parker Road, Suite 705, Aurora, Colorado 80013, (720) 343-1993.
Minnesota
This collection agency is licensed by the Minnesota Department of Commerce.
New York
New York City Department of Consumer Affairs License number: 1280393
To better serve you, please advise us if you have any language preference other than English. At this time, we have the following language access services available to you upon request: (1) Spanish speaking representatives, and, (2) translation of our written communications into Spanish. In addition, 6 RCNY § 5-77(f)(2)(viii) states “a translation and description of commonly-used debt collection terms is available in multiple languages on the Department’s website, www.nyc.gov/dca."
In accordance with the Fair Debt Collection Practices Act, 15 U.S.C. sec. 1692 et seq., debt collectors are 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.
North Carolina
North Carolina Permit Number: 102865
200 Coon Rapids Blvd., Suite 200
Coon Rapids, MN 55433
North Carolina Permit Number: 106872
600 Highway 169 South, Suite 1520
St. Louis Park, MN 55426
Tennessee
AscensionPoint Recovery Services, LLC is a collection agency licensed by the collection service board of the TN Department of Commerce and Insurance.
