BridgePoint Services LLC (“BPS”) is committed to maintaining the highest standards of honesty, integrity, and respect. To demonstrate our commitment to ethical business practices, we have adopted a Consumer Bill of Rights designed to guide how we interact with consumers and how we conduct our collection activities.
In all that we do, we strive to treat consumers with dignity and fairness. We are committed to respectful and constructive dialogue, developing solutions that help consumers resolve their obligations, and ensuring that anyone acting on our behalf adheres to these same standards. We operate in compliance with all applicable federal, state, and local laws and seek to play a responsible and productive role in the lives of the consumers we serve.
We Treat Consumers With Dignity and Respect, in a Manner That Promotes Resolution and Maximizes Consumer Understanding of Their Account Rights and Responsibilities
In our written communications with consumers, BPS provides clear and straightforward correspondence, transparent disclosures, and meaningful account information to promote consumer comprehension of their account and available options.
Employees who interact with consumers are trained on, and required to comply with, all applicable federal, state, and local laws and regulations governing fair and ethical collection practices. Employee conduct is actively monitored for compliance.
Our employees listen carefully and work diligently to understand each consumer’s individual circumstances and needs. If an error occurs, we take prompt and appropriate action to resolve the issue. We use these experiences as opportunities to improve our processes and enhance the consumer experience.
All interactions with consumers are conducted in a respectful, professional, and constructive manner.
BPS offers flexible repayment options designed to achieve mutually beneficial resolutions that consumers can reasonably afford. Our employees strive to present innovative payment solutions that reflect the consumer’s financial situation and explain all options using clear, plain language.
Any payment arrangement agreed upon over the telephone is confirmed in writing and promptly mailed to the consumer’s address.
We Are Sensitive to Consumers Experiencing Financial or Personal Hardship
BPS actively seeks to identify active-duty servicemembers and will cease legal collection activity in compliance with applicable law.
We suspend collection activity when a consumer demonstrates significant financial hardship due to medical issues. We also suspend collection efforts when a consumer is directly impacted by a natural disaster or other catastrophic event.
Collection activity will cease when documentation confirms that a consumer’s sole source of income is exempt (such as Social Security or Supplemental Security Income benefits) and the consumer has no other assets. We work compassionately with consumers facing unforeseen circumstances, including job loss or similar hardships.
We Investigate and Respond to Consumer Concerns in a Timely and Accurate Manner
When reporting information to credit reporting agencies, BPS provides timely and accurate updates and conducts reasonable investigations of disputes based on the information provided. If information is found to be inaccurate or outdated, we promptly instruct the credit reporting agencies to correct or delete the information.
We provide consumers with more time than the minimum required by federal law to request validation of their obligation.
If an account is determined to be the result of identity theft or economic abuse, we cease collection activity and instruct credit reporting agencies to delete any references to the account that we reported.
We Collect Accounts in a Fair, Lawful, and Transparent Manner
BPS only collects on accounts for which it is the legitimate and rightful owner.
We provide consumers with a grace period before initiating credit reporting and continue to refrain from credit reporting while payment activity is ongoing. If a debt is time-barred, we clearly disclose that we will not sue to collect it.
Our collection representatives complete a comprehensive training program prior to interacting with consumers, including passing required examinations. Ongoing training and annual recertification cover applicable laws and interpersonal communication skills.
Upon receiving official confirmation of a bankruptcy filing, we stop collection efforts unless permitted by federal bankruptcy law or if the case is dismissed.
BPS maintains all required licenses, permits, and authorizations to purchase and service consumer receivables and makes reasonable efforts to ensure that third parties acting on our behalf do the same.
At the start of collection activity, we send a debt validation notice informing the consumer that the account has been purchased, identifying the original creditor, stating the balance owed, and explaining the consumer’s rights to request additional information or resolve the account.
Before sending a validation notice, we use reasonable efforts to verify the consumer’s current address. All collection letters identify the original creditor, include the last four digits of the account number, state the current balance owed, and provide other identifying information as appropriate.
If a validation notice is returned as undeliverable, we disable that address, attempt to verify a current address, and, if located, send a new validation notice.
Before pursuing any collection strategy that may involve litigation, we attempt to contact the consumer to advise them of the potential referral to a law firm.
BPS engages law firms that litigate in good faith and treat consumers with respect. Authorized representatives carefully review and verify all affidavits prior to signing. All notarized documents are signed in the presence of a certified notary.
Before initiating litigation, our attorneys confirm that the applicable statute of limitations has not expired. We do not pursue litigation on accounts for which we are not the rightful owner and require proof of ownership when requested by a court.
We instruct law firms to use reputable, properly licensed process servers who comply with all legal requirements and utilize quality controls to ensure proper service of process.
Where permitted, we instruct law firms to include the name of the original creditor, the last four digits of the account number, and other identifying information to help consumers recognize the debt.
We do not request courts to issue bench warrants or body attachments to compel consumer appearances, except in rare instances where a court independently enforces its own order after judgment.
We Protect the Security and Confidentiality of Consumer Information
BPS takes reasonable and appropriate measures to safeguard confidential consumer information, including Social Security numbers, to protect against anticipated threats and prevent unauthorized access, use, or disclosure.
We maintain records of collection activity for a reasonable period of time and conduct background checks as part of our hiring process.
Our quality control program includes peer reviews, in-person monitoring, system entry reviews, and call monitoring and recording to ensure compliance and identify opportunities for improvement.
We do not resell accounts to third parties, allowing us to foster long-term, transparent, and trusting relationships with consumers.
The terms “we,” “us,” and “our” refer to BridgePoint Services LLC (“BPS”) and its affiliates involved in the collection of U.S. consumer receivables owned by BPS. We also strive to ensure that our third-party service providers, agents, and attorneys adhere to these or similar principles when representing us.
BridgePoint Services LLC is a debt collector. This is an attempt to collect a debt, and any information obtained will be used for that purpose.
