FAQs
For Tutelary Financial Services it is important that you have all the facts and information.
We have made a list of all the information you should be aware of and a collection of the most common questions asked by people in your same situation.
If you have any questions please get in contact and let us help you.
For more in depth answers to these questions, please check out these informational articles.
Questions about Tutelary
Tutelary is an international business processing outsourcing (BPO) and full service, end-to-end provider for every aspect of the customer lifecycle, including debt collection. We have been a longtime member of the Association for Credit and Collection Professionals (ACAInternational.org) and are fully committed to excellence and customer service in all aspects of our business. You can learn more about who we are and what we do at tutelary.us
If you have been contacted by one of our representatives, it is because we have received information that potentially links you to a debt we have been contracted to collect. If you believe we are contacting you in error or you would like to stop receiving calls, please let us know via our contact form. If you have questions or would like to speak about your debt further, you may call us directly at 1 888 991 5601, Monday-Saturday, from 8:00 a.m. to 9:00 p.m. EST.
Questions about your debt
We do not want you to pay any amount that you do not owe. You can log into our Self-Service Portal to manage your account, or if you do not know your ERC assigned reference number you can utilize our ‘Contact Us’ page to communicate with us. If you would prefer to speak to an agent, give us a call 1 888 991 5601 and one of our representatives can help you. It may take a little bit of time to figure it out but by working together we should be able to come up with a resolution.
Please keep in mind that many contracts have provisions for additional fees and charges when an account goes into collections or charges off.
Sometimes, the debt may be legitimate but you do not recognize it because the company you owe the debt to has gone through a name change or has been acquired by a larger company. In these cases, the debt is still legitimate.
However, if you still believe the debt we have contacted you about is not yours, our representatives can help. If you have questions or would like to dispute your debt, please contact us online via our contact form or call 1 888 991 5601 for help. It may help to send us any documentation you have by email or mail.
In some cases, when an account within the current or original creditors system has reached a certain stage of delinquency and/or has been charged off, the debt is updated or moved within their system. When this update or move occurs there is a possibility that a representative in their customer service area may no longer see the debt or see the debt as delinquent or charged-off. When this occurs, contact the current or original creditor and ask to speak with someone within their organization that handles delinquent or charged-off debt. Some current or original creditors have processes in place to simply provide the name and telephone number of the collection agency assigned to work the debt whereas others have a specialized department to handle calls specific to delinquent or charged-off debts.
Questions about payments
You can pay off your debt through Tutelary. The original creditor or debt purchaser has contracted us to help them resolve your account. The easiest way to pay off your debt is by working with one of our representatives over the phone. Most accounts are resolved this way. A representative can even work with you to create a flexible and convenient payment plan. You may also pay online through our Make a Payment page or by mail to Tutelary Financial Services Corp., 66 W. Flagler St. suite 900-3951, Miami Florida, 33130. If paying by mail, please ensure to include all necessary identifying information such as: Tutelary File Number, Account Number, Name, Address, and Telephone Number. This will help ensure that your payment is posted to your account and if there is a need to contact you regarding your payment, we can do so via the mail or at the telephone number provided.
Our main objective is to help you with your debt and take a step toward having more control of your financial future. We do not require that you pay off the debt all at once, nor do we want you to pay more than you can afford at any one time. At your request, one of our representatives can create a reasonable payment plan for you. You may also make partial payments to your account online, at your convenience, via our Make a Payment page.
While possible in some instances, paying off a debt with a credit card is generally not considered a good idea. The debt won’t disappear if you pay with credit; you are essentially transferring the debt to another account. We try to make it as easy as possible to make a payment which is why we offer both debit and credit card processing through our online portal. If needed we can even work with you to create a payment plan. For more information, contact one of our representatives at 1 888 991 5601.
Please note that not all creditors allow a debt to be paid via a Credit Card, however will allow the use of a Debt Card.
No, the decision to pay a delinquent debt to a debt collector or even the original creditor is a choice, however, If you owe money to a creditor, it is your responsibility to pay it. There are negative consequences for choosing not to pay a debt that’s fallen into collections. Ignoring a debt may impact your credit score, make your debt liable to change hands with different agencies and potentially accrue interest and/or fees. If you refuse to pay your debts long enough, it may leave the creditor (Tutelary does not file suit for outstanding debts) with no other choice than to take legal action, leading to potential additional costs. At Tutelary, we try to make paying your debt as easy as possible. We offer multiple ways to pay online or via phone at 1 888 991 5601. If you are in financial trouble and need help managing your payments, give us a call today to speak with a representative about your options.
The Fair Debt Collection Practices Act (FDCPA) mandates that debt collectors cannot contact individuals at an unusual time or place. Typically, this means that our representatives can only call you between 8 a.m. and 9 p.m.
If you feel that one of our representatives is calling you in error, calling you repetitively, calling at inappropriate times, or if you would like our office to stop calling you, please let us know through our contact form.
Debt Collectors are not prohibited from contacting you at your workplace unless it has specifically been requested. The FDCPA states that if a collection agency has “reason to know” your employer does not approve of such calls, then they are no longer permitted to contact you at work. Some states have restrictions on calling your employer which are more restrictive. By notifying the debt collector of your employer’s policy you will be able to stop or prevent future calls to your workplace.
We strive to provide excellent customer service and abide by the standards outlined in the FDCPA and state laws. If you want to stop calls to your employer, please let us know by filling out our contact form.
Generally, Debt Collection calls are exempted from the restrictions of the National Do Not Call list (DNC), administered by the Federal Trade Commission (FTC). For more information related to the National DNC, visit the FTC website. If you would like our office to stop calling you, please let us know through our contact form.
In order to ensure that we are speaking with the intended recipient of a debt collection call, to ensure no third party disclosure, and for security purposes, debt collectors attempt to verify certain pieces of information as it pertains to the debt/consumer. This information may be full name, address, last four of SSN, Date of Birth, or other specific information which confirms that we are in fact speaking with the correct party. Many clients/creditors have very specific rules for validating that debt collectors are speaking with the correct party, which must be adhered to.