Texting Messaging Service Agreement

Terms and Conditions

This is a communication from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.

For residents of Hawaii and Vermont, this is an attempt to collect a claim and any information obtained will be used for that purpose.

Healthcare Receivables Group, is a licensed collection agency. For purposes of this agreement and text message communications we will always refer to our company as HRG.

By subscribing to HRG Text Message Service you agree to the following Terms and Conditions:

Mobile Phone Ownership and Mobile Number: When you subscribe to HRG’s text message service you are confirming the mobile phone number you use to subscribe is the mobile number associated with your mobile phone. You and no other person  will use this mobile phone to communicate with HRG about your account(s). Throughout this agreement the word “you” includes the person associated with the  mobile phone and mobile number you use to subscribe to this text message service.

Agreement: This Terms and Conditions document is an agreement between you and HRG which explains some of your important rights under the law, how the text message service works, how text fees and  data rates may apply, how you  may access information,  when we may initiate text messages to the mobile   phone number you used to subscribe, your agreement to receive text messages and other important features associated with the text message service. To agree to these Terms and Conditions text YES to HRG’s short code (27060).

If you delete your text messaging history from your mobile phone you may lose information about this text message service. To retrieve the Terms and Conditions you can go to http://www.h-c-r-g.com/texting/

Voluntary Participation: HRG is a third-party debt collector and offers this text message service to you in connection with the collection of debt. This is a voluntary service you may start or stop at any time.

Purpose: The purpose of this text message service is to allow you to obtain information about your account(s) associated with this mobile phone number by texting key words to HRG. The key words and their definitions appear below. The purpose is also to allow HRG to send certain kinds of text messages to you using the mobile phone number you use to subscribe.

Accounts  Subscribed:  This text message service allows you and HRG to communicate about any accounts associated with the mobile phone number you use to subscribe and placed with us for collection now or in the future (Accounts Subscribed). Accounts Subscribed placed with us for collection by more than one business may be excluded from this text message service and Accounts Subscribed placed with us that are closed, inactive, subject to a cease communication or otherwise prohibited from collection activity will be excluded from this text message service.

Consent: By subscribing to this text message service, you consent to participate in HRG’s text message service and understand and agree:

• HRG may send limited types of text messages to you about Account(s) Subscribed to this service as described below in Company Initiated Text Message Service.
• You may obtain information about your Account(s) Subscribed by texting key words to HRG.
• When you text a Key Word to a short code you consent to receive an immediate, automated text message response to be sent to you from HRG’s automated, text message service regardless of the time of day, day of week or frequency of the communications.
• Text messages sent to you by HRG may appear on the face of your mobile phone or device and you will manage the settings associated with how text messages are displayed on your phone or device to protect your confidentiality.

Text Message Service Termination Process: HRG and its agents do not have the ability to unsubscribe you from this text message service without your participation. To terminate participation or unsubscribe from HRG’s text message service, you need to text the word ALTO, STOP, STOP!, STOPNOW, STOPALL, END, QUIT, QUITNOW, CANCEL, CANCELAR, NOMO, UNSUBSCRIBE, REMOVE, OPTOUT, PARA, PARAR, PARE, or ARRET to 27060. Unsubscribing from HRG ‘s text message service will not revoke or cancel other types of permissions you have granted HRG using  the mobile number you use to subscribe to this text message service.

By enrolling in this text message service, you consent that following such a request to unsubscribe, you will receive a one-time text message from HRG confirming your removal from HRG’s text message service. Following such confirmation message, no additional text messages will be sent unless you voluntarily subscribe again to this text message service

If you deactivate the mobile number you used to subscribe to HRG’s text message service, HRG will unsubscribe you from its text message service and send you a one-time text message confirming your removal from HRG’s text message service. Following such confirmation message, no additional text messages will be sent unless you voluntarily subscribe again to this text message service.

Translation of Abbreviations: HRG’s text message service uses abbreviations when communicating with you. Please refer to this abbreviation translation list or contact HRG at 866.658.0388 if you have questions or need assistance.

# – means the consumer’s mobile phone number

2 – is an abbreviation for the word “to”

4 – is an abbreviation for the word “for”

Acct – means the account(s) associated with the mobile phone number and phone you used to subscribe and which you alone, own, use or have access

Accts – means the account(s) associated with the mobile phone number and phone you used to subscribe and which you alone, own, use or have access

Addl – means more

Comm – means communicate or communication

Comms – means communications

Info – means information

Msg or Msgs – means message or messages

Msging – means messaging

Msg&DataRatesMayApply – means message and data rates may apply

Multpl – means multiple

Pls – means please

Pmt – means payment

Rcpt – means receipt

Rcvd – means received

Rcving – means receiving

Req – means request

Txt means text

Consumer Initiated Key Word Text Message Service: To manage your use of this text message service or to request information about your account(s) you may use the following Key Words. Simply text the Key Word to 27060 and HRG will respond.

REMEMBER EACH TEXT RESPONSE FROM HRG IS A COMMUNICATION FROM A DEBT COLLECTOR AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

Key Words:

• Text ACCTINFO to receive the phone number of our customer service representative who can provide you with information about your Account(s) Subscribed or URL for information about Subscribed Accounts.
• Text BALANCE to receive the total balance due including any interest amounts or fees due and payable on all active, Accounts Subscribed.   This amount will  not include amounts pertaining to  inactive accounts, accounts not associated with the mobile number you use to subscribe or accounts subject to a cease and desist.
• Text CALLME for an agent to call you at the mobile phone number you use to subscribe to this text message service. This function will not be available when all of your accounts with this agency are subject to a cease and desist either requested by you or by operation of law.
• Text CONCERN to inform HRG you would like a customer service representative to call you at this mobile number about a question or to discuss an issue you may have about your account(s).
• Text CONSENT or INFO to indicate your consent for HRG to send text messages to the mobile phone number you use to subscribe and provide you with the Terms and Conditions regarding this text message service. You will also be prompted to text YES to confirm your agreement with these Terms and Conditions and complete the opt in process.
• Text HELP to receive the phone number of our customer service representative who can provide you with further information about your Account(s) Subscribed or URL to HRG’s website.
• Text KEYWORDS to request a list of Key Words.
• Text PAY to make a payment using HRG’s payment website and/or company’s automated telephone payment system.
• Text REMINDER to receive the date your next payment is due and the amount of the next payment for all Accounts Subscribed; a response indicating you do not currently have a payment due; or a response informing you a payment(s) is past due.
• Text STOP, ALTO, STOP., STOP!, STOPNOW, STOPALL, STOP ALL, END, ENDALL, END ALL, QUIT, QUITNOW, CANCEL, CANCELAR, NOMO, UNSUBSCRIBE, REMOVE, OPTOUT, PARA, PARAR, PARE or ARRET to unsubscribe from HRG’s text message service. By texting any one of these key words you consent and agree to receive a one-time text message from HRG confirming you have been unsubscribed from this text message
• Text TERMS to request a link to the Terms and Conditions.
• Text YES to confirm your agreement with these Terms and Conditions and complete the opt in process.

HRG Initiated Text Message Service: HRG may at times decide to initiate text messages to the mobile phone number you use to subscribe to its text message service.

• Call Agency – HRG may send you a text message to request you contact
• Electronic Payment Reminder – HRG may send you a text message reminder to notify you of the amount and the date when your authorized electronic payment will be
• Failed Payment Notification – HRG may send you a text message if your payment did not process due to insufficient funds in the account or another problem which prevented the processing of the payment.
• New Account Notification – HRG may send you a text message to notify you when an additional account associated with the mobile phone number you use to subscribe to HRG’s text message service was placed with our agency for collection.
• Past Due – HRG may send you a text message reminder to notify you a scheduled payment was missed and invite you to make a payment.
• Payment Receipt – HRG may send you a text message to confirm the receipt of your payment.
• Prior Express Consent to Text – There are times when HRG may have obtained your prior express consent to communicate with you by text message. This consent may have come to us from the creditor to which you allegedly owe the Accounts Subscribed, from your interactions with our automated response systems, our consumer portal or from a live interaction with one of our customer service representatives. In these situations, we want to give you the opportunity to review and agree to our Terms and Conditions and voluntarily confirm your participation in our text message service.
• Reminder of Payment Due Date – HRG may send you a text message to remind you when your payment is due.
• Automated Response to Unknown Consumer Action: There may be instances when HRG is unable to interpret or respond to your key word These instances include but are not limited to:
  • Submission of Unrecognized Text – HRG may ask you to call a customer service representative if we have questions associated with your text request(s). Examples of this may include but are not limited to: Notice of bankruptcy filing; Request to cease and desist; Notice of attorney representation; Complaints and disputes; Misspelled terms or words; Terms or words not defined by this agreement,
  • Already Opted In – HRG will text you if the mobile number is already subscribed to the text message service.
  • Ported Mobile Phone Number – HRG may ask you to re-subscribe to this text message service if you change carriers but keep the mobile number you used to subscribe to HRG’s text message service.Unless described above, HRG will not initiate text messages to you using the mobile phone number you use to subscribe to this text message service.Costs and Charges: HRG does not have a separate charge for this text message service; however, message and data rates may apply from your mobile phone carrier. Subject to the terms and conditions of your mobile phone carrier, you may receive text messages sent to your mobile phone. Participation in this text message service is standard rated (no premium content).By providing your consent to participate in this text message service, you approve any such charges from your mobile phone carrier. Charges for text messages may appear on your mobile phone bill or be deducted from your prepaid balance.Your Privacy: HRG is committed to building user trust and confidence by promoting and complying with the use of business practices that help protect the privacy of the consumer and their data.HRG’s Right to Terminate: HRG reserves the right to terminate this text message service, in whole or in part, at any time without notice. The information in any message may be subject to certain time lags and/or delays.

    OPTIONAL PROVISION: HRG’s Right to Limit Key Word Requests: Communicating with you is important to HRG. To maintain accuracy in our responses to your key word requests, HRG reserves the right to block key word requests we  receive from you and to which our records show we   have responded. If at any time you believe your key word requests have been blocked in error, please contact us at 866.658.0388.

    United States Participating Carriers Include:

    ACS/Alaska, Alltel, AT&T, Bluegrass Mobilecellular, Boost, Mobilecellcom, Mobilecellone Nation, Mobilecellular One of East Central Illinois, Mobilecellular South, Centennial, Chariton Valley Mobilecellular, Cincinnati Bell, Cox Communications, Cricket, EKN/Appalachian Wireless, Element Mobile, GCI, Golden State  Mobilecellular,  Illinois Valley Mobilecellular, Immix/Keystone Wireless, Inland Mobilecellular, iWireless, Metro PCS, Nex-Tech Wireless, nTelos, Plateau Wireless,  South Canaan, Sprint, T-Mobile, Thumb  Mobilecellular, United Wireless, US Mobilecellular,  Verizon  Wireless,  Viaero Wireless, Virgin, WCC. Additional carriers may be added.

    Canada Participating Carriers Include:

    Aliant Mobility, Bell Mobility, Fido, MTS, NorthernTel Mobility, Rogers Wireless, SaskTel Mobility, Télébec Mobilité, TELUS Mobility, Vidéotron, Virgin Mobile Canada, WIND Mobile. Additional carriers may be added.