Congress passed the Gramm-Leach-Bliley (GLB) Act in 1999. The GLB deals with the handling of personal financial information. Sprechman & Fisher, P.A. understands how important privacy is to you. This is why we strongly believe in protecting the confidentiality and security of information we obtain about you. Our privacy policies and procedures apply only to our company and do not apply to any third parties or associated vendors who may handle your personal information.
The Fair Debt Collection Practices Act (FDCPA) provides that a debt collector may not use any false, deceptive, or otherwise misleading representation or means in connection with the collection of debt. Section 807 of the Fair Debt Collection Practices Act provides that “false, deceptive, or misleading representation” includes the failure to disclose in the initial oral or written communication with the consumer that “the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose”, and the failure to disclose in subsequent communications that “the communication is from a debt collector”. Our internal policy requires that a collection representative must provide such a notification on each and every contact that is made. Collectors are trained to provide the warning once they have successfully identified that the person they are speaking with is the correct party and prior to discussing the debt or any demand for payment.
Sprechman & Fisher, P.A. collects only personal information essential to securing payment to our clients. Failure to provide the minimum personal information required to complete a payment may result in further collection efforts. By providing Sprechman & Fisher, P.A. with personal information, you are giving us implicit consent to use this information for further collection efforts. Employees of Sprechman & Fisher, P.A. may request your explicit consent prior to collecting sensitive personal information from you. All payment information is protected in accordance with industry security standards and explicit authorization is required prior to initiating recurring ACH payments or one-time electronic payments.
Confidential information entrusted to Sprechman & Fisher, P.A. will be secured from unauthorized viewing, accidental distribution, and accidental loss. Confidential information is received in both paper and electronic form. Your personal information is kept electronically and any paper containing personal information is disposed of securely. Sprechman & Fisher, P.A. complies with standard security principles such as:
- Employees are authorized to access personal information based on job responsibilities.
- Authentication is used to prevent unauthorized access to personal information stored electronically.
- Physical security is maintained over personal information stored in hard copy form.
- Additional security safeguards are applied to sensitive information.
ACCESS TO YOUR INFORMATION
Sprechman & Fisher, P.A. collects information fairly and lawfully from others, such as credit bureaus, affiliates, or other companies. We may collect information regarding your whereabouts or financial information from third- party sources. You have the right to obtain certain items of information that we have collected about you. You also have the right to request correction of information if you feel it is not accurate. These requests must be made in writing. If we agree, we will correct our records and may notify our client. If we do not agree, we will communicate that information as well to you. Any inquiries, complaints or disputes should be directed to our Director of Operations at the address listed at the end of this policy.
Sprechman & Fisher, P.A.
2775 Sunny Isles Boulevard
Miami, Florida 33160 – 4007