Privacy Policy

What does My Big Debt - Debt Relief do with your personal information?  Rev. 11/2016

Why financial companies choose how they share your personal information? 

Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What types of personal information we collect and share depend on the product or service you have with us.

This information can include:

  • Social Security number and credit card or other debt

  • Account Balances and transaction history

  • Income and employment information

All financial companies need to share customers' personal information to run their everyday business.

In the section below, we list the reasons financial companies can share their customers' personal information; the reasons M
y Big Debt - Debt Relief chooses to share; and whether you can limit this sharing.

 

Reasons we share your personal information:

We share, for our everyday business purposes—such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus. Can you limit this sharing? No

We share, for our marketing purposes—to offer our products and services to you. Can you limit this sharing? No

We share, for joint marketing with other financial companies. Can you limit this sharing? No

We share, for our affiliates’ everyday business purposes—information about your transactions and experiences. Can you limit this sharing? No

 

We share, for our affiliates’ everyday business purposes—information about your creditworthiness. Can you limit this sharing? No

 

We share, for our affiliates to market to you. Can you limit this sharing? Yes

We share, for nonaffiliates to market to you. Can you limit this sharing? Yes

To limit sharing:

 

Call (800) 857-0181, send us an email at contact@mybigdebt.com, or visit us online at: www.mybigdebt.com

Please note:

If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.

Questions

Call (800) 857-0181, send us an email at contact@mybigdebt.com, or visit us online at: www.mybigdebt.com

Who is providing this notice?

My Big Debt - Debt Relief

How does My Big Debt - Debt relief protect my information?

To protect your personal information from unauthorized access protect my personal information? We use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.  For more information, please contact Customer Care at contact@mybigdebt.com or (800) 857-0181.

How does My Big Debt - Debt Relief collect my personal information?

We collect your personal information, for example, when you

  • Open an account

  • Give us your income information

  • Provide account info

  • Provide employment information

  • Give us your contact info

 

​We also collect your personal information from others, such as credit bureaus, affiliates or other companies.

 

Why can’t I limit all sharing?

 

Federal law gives you the right to limit only:

  • Sharing for affiliates’ everyday business purposes—information about your creditworthiness „

  • Affiliates from using your information to market to you „

  • Sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

 

What happens when I limit sharing for an account I hold jointly with someone else? 

Your choices will apply to everyone on your account

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

 

Joint marketing

A formal agreement between nonaffi liated financial companies that together market financial products or services to you.

Other important information

 

See attached page for important state-specific disclosures.

FOR CALIFORNIA RESIDENTS: In accordance with California law, we will not share information we collect about you with nonaffiliates, except as allowed by law.  For example, we may share information with your consent or to service your accounts.  Among our affiliates, we will limit information sharing to the extent required by California law.  You can also limit our sharing for joint marketing with other financial institutions.  See the accompanying “Important Privacy Choices for Consumers – Additional Rights for California Residents.”

 

FOR NEVADA RESIDENTS: We are providing you this notice pursuant to state law.  You may be placed on our internal "do not call" list by calling 888‐950‐4829.  Nevada law requires that we also provide you with the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St. – Suite 3900, Las Vegas, NV 89101; 702‐486‐3132 – BCPINFO@ag.state.nv.us.

 

FOR VERMONT RESIDENTS: In accordance with Vermont law, we will not share information we collect about Vermont residents with companies who are not affiliates, except as permitted by law, such as with your consent or to service your accounts.  We will not share information about your creditworthiness with our affiliates without your authorization or consent but we may share information about our transactions or experiences with your with our affiliates without your consent.

Additional Rights for California Residents ‐ Important Privacy Choices for Consumers

You have the right to control whether we share some of your personal information. Please read the following information carefully before you make your choices below.

 

You have additional rights under Federal law.  See the form with the heading “Facts – What Does My Big Debt - Debt Relief Do With Your Personal Information”

 

Your Rights

You have the following rights to restrict the sharing of personal and financial information with our affiliates (companies we own or control) and outside companies that we do business with. Nothing in this form prohibits the sharing of information necessary for us to follow the law, as permitted by law, or to give you the best service on your accounts with us. This includes sending you information about some other products or services.

 

Your Choices

Restrict Information Sharing With Companies We Own or Control (Affiliates): Unless you say “No,” we may share personal and financial information about you with our affiliated companies.

(_) NO, please do not share personal and financial information with your affiliated companies.

Restrict Information Sharing With Other Companies We Do Business With To Provide Financial Products And Services:

Unless you say “No,” we may share personal and financial information about you with outside companies we contract with to provide financial products and services to you.

 

(_) NO, please do not share personal and financial information with outside companies you contract with to provide financial products and services.

 

Time Sensitive Reply

You may make your privacy choice(s) at any time. Your choice(s) marked here will remain unless you state otherwise. However, if we do not hear from you we may share some of your information with affiliated companies and other companies with whom we have contracts to provide products and services.

 

Name:___________________________     Account Number:_______________________

 

Signature & Date ____________________________

 

To exercise your choices do one of the following:

(1)   Fill out, sign and return this form to us using the envelope provided (you may want to make a copy for your records;

(2)   Call this toll‐free number: (800) 857-0181

(3)   Reply electronically by contacting us through the Internet at www.mybigdebt.com

 

 

 

Call Us to Reduce Your Debt Toll Free: (800) 857-0181

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113 W. G St. #610

San Diego, CA 92101

Call Us to Reduce Your Debt

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Please note that all calls may be recorded or monitored for quality assurance and training purposes.
*My Big Debt does not provide debt relief services. My Big Debt matches consumers with debt relief companies in our network. By submitting your information you agree to be contacted by our partner debt relief providers via phone and / or email.  

*Clients who make all their monthly program payments pay approximately 50% of their enrolled balance before fees, or 68% to 75% including fees, over 24 to 48 months. Not all clients are able to complete our program for various reasons, including their ability to save sufficient funds. Our estimates are based on prior results, which will vary depending on your specific circumstances. We do not guarantee that your debts will be resolved for a specific amount or percentage or within a specific period of time. We do not assume your debts, make monthly payments to creditors or provide tax, bankruptcy, accounting or legal advice or credit repair services. Our service is not available in all states and our fees may vary from state to state. Please contact a tax professional to discuss potential tax consequences of less than full balance debt resolution. Read and understand all program materials prior to enrollment. The use of debt settlement services will likely adversely affect your creditworthiness, may result in you being subject to collections or being sued by creditors or collectors and may increase the outstanding balances of your enrolled accounts due to the accrual of fees and interest. However, negotiated settlements we obtain on your behalf resolve the entire account, including all accrued fees and interest. C.P.D. Reg. No. T.S.12-03825

© 2016 by My Big Debt Team.

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