Consumer Debt Counselors is committed to assuring the privacy of individual and/or families who have contacted us for assistance. We realize that the concerns you bring to us are highly personal in nature. We assure you that all information shared both orally and in writing will be managed within legal and ethical considerations. Your personal financial information such as your total debt information, Income (net and gross), living expenses, personal information concerning your financial circumstances will be given to your creditors and possibly others. We may compile data and aggregate information that you give to us, but this information may not be disclosed in a manner that would personally identify you in any way.
In all other situations, your information may be released to appropriate individuals or agencies ONLY UPON YOUR WRITTEN REQUEST OR when our staff has been served by a valid subpoena.
The following PRIVACY PRACTICES detail circumstances under which we will release your information to a third party:
- We do not disclose any nonpublic personal information about our clients and former clients to anyone except as permitted by law.
- For the purpose of evaluating our services, gathering valuable research information and designing future programs, we may use aggregated case file information. Your anonymity will be maintained through the use of your client number or by using aggregated data in all circumstances.
- We may disclose some or all of the information that we collect, as described below, to creditors, or third parties that you have authorized who nee this information in order for us to assist you after a counseling session.
- We may disclose all of the information that we collect, as described below, to creditors and related financial institutions who need this information in order to put you into a Debt Management Program (DMP).
- We restrict access to nonpublic personal information about you to those employees who need to know that information to provide services to you. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.
- We collect nonpublic personal information about you from the following sources.
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