Welcome to our Consumer Resources page! We have tried to include everything you might need on this single page, but if you are unable to find something you need, or have a question you need answered, please contact one of our extremely helpful Collection and Loan Servicing Agents at our toll free number, 1-800-926-1303. We are always happy to help you. Have a great day!
Consumer Web Portal
Simply log in with your Partners Financial Services, Inc. account number and the last four digits of your social security number to view your account balance and make payments online. Please contact an agent of Partners Financial Services, Inc. or refer to your statements for your account number.
– Additional Consumer Resources –
Know My Debt, is a useful tool that provides consumers with answers about debt and consumer rights when working with a debt collector. The Ask Doctor Debt website provides customers with valuable tools to answer debt collection questions and how to communicate with a collection agency.
ACA International, the Association of Credit and Collection Professionals, is the comprehensive, knowledge-based resource for success in the credit and collection industry. Founded in 1939, ACA brings together 5,000 members worldwide, including third-party collection agencies, asset buyers, attorneys, creditors and vendor affiliates. The Association establishes ethical standards; produces a wide variety of products, services, and publications; and articulates the value of the credit and collection industry to businesses, policymakers and consumers.
FDCPA: The Fair Debt Collection Practices Act is one of the guiding laws directly governing the 3rd Party Debt Collection Industry. This federal statute explains what debt collectors can and cannot do while communicating with consumers, and defines a consumers rights under the Act.
FCRA: The Fair Credit Reporting Act, is a United States federal law that regulates the collection, dissemination, and use of consumer information, including consumer credit information, and ensures accuracy and fairness of credit reporting.
TCPA: The Telephone Consumer Protection Act restricts telephone solicitations and the use of automated telephone equipment. The TCPA limits the use of automatic dialing systems, artificial or prerecorded voice messages, SMS text messages, and fax machines.
CFPB: The Consumer Financial Protection Bureau is a 21st-century agency that helps consumer finance markets work by making rules more effective, by consistently and fairly enforcing those rules, and by empowering consumers to take more control over their economy.
Identity Theft: The ID Theft Affidavit provides a model form that can be used to report information to many companies, simplifying the process of alerting companies where a new account was opened in the victim’s name. Previously, victims of identity theft often had to fill out a separate reporting form for each fraudulent account opened by the identity thief. Developed by the FTC in conjunction with banks, credit grantors, and consumer advocates, the ID Theft Affidavit is accepted by participating credit issuers, retailers, banks, and other financial institutions. For a copy of the ID Theft Affidavit, log on to www.identitytheft.gov, or call 1.877.ID.THEFT. You have the right to dispute a debt placed with our office. If you believe a debt placed with our office is the result of identity theft, you may use the FTC’s ID Theft Affidavit as your written dispute. You may also submit your dispute in writing, email, or fax, or by speaking to a live representative at 1-800-926-1303 ext. 3.
California Loan Borrowers: Please contact your lender to determine if there are any alternative repayment options for your loan. If you need assistance contacting your lender, you can contact us at 1-800-926-1303 ext. 3.
Application of Payment on Loans: Payments made towards a loan are applied to fees, interest, then principal. Payments made ahead of schedule are applied to the remaining principal and satisfy future payments due. If you have questions regarding how payments are applied to loans, please contact us at 1-800-926-1303 ext. 3.
How to Make Payments: Consumers (Borrowers & Co-Borrowers) can use the online consumer web portal to access account information and make payments towards an account. Additionally, consumers can make payments via telephone by speaking with a representative at 1-800-926-1303 ext. 3.
Alternative Repayment Options / Cosigner Release: Please contact your lender to determine if there are any alternative repayment options available for your loan. There is currently no availability or criteria for a cosigner release. If you need assistance contacting your lender or if you are experiencing difficulty in fulfilling your scheduled monthly payments, please contact a representative of Partners Financial Services, Inc. at 1-800-926-1303 ext. 3.