This Privacy Notice sets forth the information gathering, use, and dissemination practices of Maury Cobb, Attorney at Law, LLC and its affiliates (“Cobb Law”) in connection with our website located at www.mcobblaw.com (its "website"). This Privacy Notice addresses Cobb Law's practices regarding information collected only directly through or from its website. It does not address or govern any information gathering, use, or dissemination practices related to information collected other than directly through or from its website, including, without limitation, from telephone, facsimile, mail, or other means.
You acknowledge that this Privacy Policy is part of our Site Terms of Use, and by accessing or using our site, you agree to be bound by all of its terms and conditions. If you do not agree to these terms, please do not access or use this site. We reserve the right to change this Privacy Policy at any time. Your continued use of the site after such modifications will constitute your: (a) acknowledgment of the modified Policy; and (b) agreement to abide and be bound by the modified Policy.
All names, Cobb Law logos and trademarks that appear on the Sites are the property of Cobb Law or are used by Cobb Law under license. You may not use any of the foregoing for any purpose without the prior express written consent of Cobb Law. Your failure to comply with this policy will violate Cobb Law's copyright, trademark and other proprietary and intellectual property rights. All other product and company names mentioned herein are the trademarks of their respective owners.
How We Gather Information
Cobb Law collects, uses, and stores information on the domain you use to access its website, the internet address of the site from which you linked directly to its website, and the date and time of your visit to its website. This information may be used to measure the number of visitors to the various pages on the site, to help make improvements to the information contained on the site, and to better serve site visitors. Cobb Law also collects, uses, and stores the email addresses of users that communicate with Cobb Law via email, information knowingly provided by website users, and information regarding which website pages users have clicked on.
Personal information contained in email sent by individuals may be used by Cobb Law to answer questions, follow up on recommendations or complaints, process requests or transactions, or improve the level of service Cobb Law provides.
Information Sharing
Cobb Law may share personally identifiable information (PII) obtained on its website with anyone internal to Cobb Law, its clients, or affiliates. Except as provided below, Cobb Law does not share any personally identifiable information obtained on its website with or sell such information to any company or marketing group external to Cobb Law and its affiliates. Cobb Law may, however, share aggregate information with other persons or entities for purposes determined by Cobb Law to be appropriate. No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
Cobb Law may disclose identifiable information (1) to another entity with which Cobb Lawenters or reasonably may enter into a corporate transaction, such as, for example, a merger, consolidation, acquisition, or asset purchase, (2) to a third party pursuant to a subpoena, court order, or other form of legal process or in response to a request from any local, state, federal, or other government agency, department, or body, or in connection with litigation brought against, or on behalf of, Cobb Law, where appropriate, or (3) to a third party if determined by Cobb Lawin its sole discretion that such disclosure is appropriate to protect the life, health, or property of Cobb Law or any other person or entity. (The foregoing is not intended to obviate or displace any legal obligations or duties applicable to Cobb Law.)
While Cobb Law may undertake efforts to see that another party to which Cobb Law shares personal information is under a contractual obligation to use the personal information solely for the purposes for which the information was disclosed by Cobb Law, Cobb Law exercises no control over such parties and Cobb Law is not responsible for their conduct, actions, omissions, or information handling or dissemination practices.
Except as necessary for Cobb Law to provide the services, information, or products requested by a website user, or except for the disclosures identified in the preceding paragraph, the user may opt out of having personally identifiable information, which has been voluntarily provided to Cobb Law through its website, prospectively retained by Cobb Law, used by Cobb Law for secondary purposes, or disclosed by Cobb Law to third parties, by contacting Cobb Law by mail at the following address:
Cobb Law Collection Services, Inc.
2140 11th Ave South, Suite 200
Birmingham, Alabama, 35205
Email sent through this website may not be secure against interception by unauthorized individuals. To protect against interception by unauthorized individuals, we may be unable to respond to email requests concerning accounts placed for collection unless you have requested or authorized us to do so. If you are communicating with Cobb Law regarding a debt that has been placed for collection, all correspondence regarding that account should be sent by mail to the address identified above. Be sure to include your name, your mailing address, the Cobb Lawaccount number, creditor name, and the creditor account number so we may process your inquiry and respond promptly. Without complete information, we may be unable to respond to your request.
How We Use Cookies
A cookie is a small file that asks permission to be placed on your computer's hard drive. Once you agree, the file is added and the cookie helps analyze web traffic and lets you know when you visit a particular site. Cookies allow web applications to respond to you as an individual. The web application can tailor its operations to your likes and dislikes by gathering and remembering information about your preferences.
Cobb Law uses traffic log cookies to identify which pages are being used. This helps us analyze data about web page traffic and improve our website in order to tailor it to customer needs. We only use this information for statistical analysis purposes and then the data is removed from the system.
Overall, cookies help us provide you with a better website by enabling us to monitor which pages you find useful and which you do not. A cookie does not give us access to your computer or any information about you, other than the data you choose to share with us. You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser settings to decline cookies if you prefer. This may prevent you from taking full advantage of the website.
Links to Other Websites
Our website contains links to other websites of interest. We do not have any control over other websites. Therefore, Cobb Law cannot be responsible for the protection or privacy of any information you provide while visiting such sites and such sites. Such other websites are not governed by this privacy notice. You should exercise caution and look at the privacy notice applicable to the website in question.
Electronic Safeguards
Cobb Law has implemented physical, electronic, and procedural security safeguards to protect against the unauthorized release personal information. Additionally, to further safeguard this information, our employees are asked to agree to Cobb Law's Privacy Policy and confidentiality agreements, and are subject to disciplinary action up to and including termination of employment if they fail to honor the terms of those policies and agreements.
Privacy Notice Changes
Cobb Law may change this Privacy Notice at any time. Notice of any new or revised Privacy Notice, as well as the location of the new or revised notice, will be posted on the website after the change. It is the obligation of users visiting the website before the change to learn of changes to the Privacy Notice since their last visit.
Last Updated on 2024-03-18
By providing Maury Cobb, Attorney at Law, LLC or its affiliates (“Cobb Law”) with your mobile number or by otherwise opting in, you permit us to send you account-related text messages, such as payment reminders and notifications, in conjunction with your requested services, via text message.
Number of messages will vary by account.
By providing us with your mobile number and opting in, you agree you have ownership rights or permission to use the number you provide for account-related text messages.
Message and data rates may apply.
You can cancel or opt-out of this SMS service at any time – just text “STOP” to 74283. After you send the SMS message “STOP” to us, we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us.
If at any time you forget what keywords are supported, just text “HELP” to 74283. After you send the SMS message “HELP” to us, we will respond with instructions on how to use our service as well as how to unsubscribe.
To contact Cobb Law directly with questions regarding your account, please call 1-877-369-3667 or email us at Info@mcobblaw.com.
If you have any questions regarding privacy, please read our privacy policy: www.mcobblaw.com/privacy-policy.
Some of the text messages we send may include links to websites. To access these websites, you will need a web browser and Internet access on your mobile device.
If your device does not support MMS, any messages sent may be delivered as SMS messages.
Wireless carriers are not liable for undelivered or delayed messages.
This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.
California Residents: The state Rosenthal Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act require that, except under unusual circumstances, collectors may not contact you before 8 a.m. or after 9 p.m. They may not harass you by using threats of violence or arrest or by using obscene language. Collectors may not use false or misleading statements or call you at work if they know or have reason to know that you may not receive personal calls at work. For the most part, collectors may not tell another person, other than your attorney or spouse about your debt. Collectors may contact another person to confirm your location or enforce a judgment. For more information about debt collection activities, you may contact the Federal Trade Commission at 1-877-FTC-HELP or www.ftc.gov. As required by law, you are hereby notified that a negative credit report reflecting on your credit may be submitted to a credit reporting agency if you fail to fulfill the terms of your obligations, but we will not submit a negative credit report to a credit reporting agency about this credit obligation until after the expiration of the time period described on the front of this letter. California license number: Pending Application.
Colorado Residents: FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT SEE WWW.COAG.GOV/CAR. Our in-state location is: 80 Garden Center, Suite 3, Broomfield, CO, 80020; 303-920-4763. A consumer has the right to request in writing that a debt collector or collection agency cease further communication with the consumer. A written request to cease and desist communication will not prohibit the debt collector or collection agency from taking any other action authorized by law to collect the debt. Unless you notify this office within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid. If you notify this office in writing within 30 days from receiving this notice that you dispute the validity of this debt or any portion thereof, this office will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification. If you request of this office in writing within 30 days after receiving this notice, this office will provide you with the name and address of the original creditor, if different from the current creditor.
Maryland: NMLS identifier 1404618. See www.nmlsconsumeraccess.org.
Minnesota Residents: This collection agency is licensed by the Minnesota Department of Commerce.
New York Residents: New York City Department of Consumer Affairs License Number 2002110-DCA. Please contact us to confirm your preferred language for future communications. All communications are in English with the following exception: Spanish-speaking agents are available by phone upon request and Spanish translation of some website content is available online at www.amsherconsumer.com. Written communications may be available in Spanish upon request. A translation and description of commonly-used debt collection terms is available in multiple languages at www.nyc.gov/dca. Please note, you can request a copy of this letter in larger print format by calling us at 800-955-7632. In accordance with the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq., debt collectors are prohibited from engaging in abusive, deceptive, and unfair debt collection efforts, including but not limited to the use or threat of violence, the use of obscene or profane language, and repeated phone calls made with the intent to annoy, abuse, or harass. If a creditor or debt collector receives a money judgment against you in court, state and federal laws may prevent the following types of income from being taken to pay the debt:
1. Supplemental security income, (SSI);
2. Social security;
3. Public assistance (welfare);
4. Spousal support, maintenance (alimony) or child support;
5. Unemployment benefits;
6. Disability benefits;
7. Workers’ compensation benefits;
8. Public or private pensions;
9. Veterans’ benefits;
10. Federal student loans, federal student grants, and federal work study funds; and
11. Ninety percent of your wages or salary earned in the last sixty days.
Utah Residents: As required by Utah law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.
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