Privacy Policy

Our agency is committed to ensuring the privacy of individuals and/or families who have contacted us for assistance.

We assure you that any information shared verbally or in writing will be handled within legal and ethical parameters. Your "personal financial information," which consists of your total debt information, income, household expenses, and personal information about your financial circumstances, will be provided to creditors and possibly others to whom you have authorized us to do so.

We may also use information from your file for the purpose of evaluating our services, gathering valuable research information, and designing future programs. We will maintain your anonymity by using your customer number at all times or by using aggregate data.

In all other circumstances, your information will be made public to the appropriate individuals or agencies ONLY AFTER YOU HAVE REQUESTED THIS IN WRITING or when our staff has received a valid legal order to do so.

The following PRIVACY PRACTICES detail the circumstances under which we will send information about you to third parties:

  1. We do not disclose private personal information of our current or former customers to anyone, except as required by law.
  2. We may collect aggregate data or information that you have provided to us, but such information will not be disclosed in a way that could identify you in any way.
  3. As described below, the information we have collected from you may be disclosed in whole or in part to creditors, or to third parties you have authorized, who require this information in order to assist you after you have consulted with us.
  4. As described below, the information we have collected from you may be fully disclosed to creditors and related financial institutions who need such information to encrypt their accounts in the Debt Management Program.
  5. We restrict access to our customers' private personal information to those employees who need to know this information in order to provide service to you. We have implemented preventive measures that comply with federal regulations to safeguard your private personal information.
  6. We collect private personal information from you from the following sources:
    • a. Information you noted on our applications or other forms that you submitted to us.
    • b. Information about your transactions with us, your creditors, or others.
    • c. Information received by us from a Credit Reporting Agency.
  7. We may disclose the following non-public personal information about you:
    • a. Information received from you on our applications or other forms, such as your name, address, social security number, assets, and income.
    • b. Information about your transactions with us, your creditors, or others, such as your debt balance, payment history, and credit usage; to all parties interested in the transactions.
    • c. Information we receive from a credit reporting agency, such as a credit history.