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Disclaimer for Fee Addition

In consideration of the services provided to the customer, I/we hereby guarantee payment in full of the customer's account in accordance with the financial arrangements made at the time of service/purchase or, if no such arrangements are made, in event of default in payment, reasonable collection agency fees equal to thirty percent (30%) of the delinquent balance and reasonable attorney fees, shall be added to the amount due on the account, plus any applicable court costs.

By providing my cell number, I give prior express consent to receive calls and text messages from the creditor or its third party debt collector at that number, including calls and messages made by using an autodialer or prerecorded message.

Disclaimer Rationale

The addition of the above Collection Fee Responsibility Notice will allow us to add thirty percent (30%), or your normal fees, to the account balance submitted to Atlas Collections, Inc. for collections. Doing so will result in a fee reduction of approximately two- thirds (2/3) that are normally paid to Atlas Collections, Inc. This disclaimer should be added to all financial policy forms that require a signature. This signed disclaimer must be submitted with the account for us to add the thirty percent (30%) onto the account.

Sub Section 808(1) of the FDCPA

The collection of any amount (including an interest charge, fee, charge or expense incidental to the principal obligation) unless such an amount is expressly authorized by the agreement creating the debt or permitted by law. Atlas Collections contends the above disclaimer safely allows for the addition of such fees as long as a signed document exists with the disclaimer included in it.

Atlas Collections contends the above disclaimer safely allows for the addition of such fees as long as a signed document exists with the disclaimer included within it.

The Boyce relationship with Atlas Collections has provided an added benefit for our municipal utility customers

Michael Galliher, CEO, Boyce Systems