Bessine Walterbach, LLP (“BW”) is a debt collector. This is an attempt to collect a debt; any information obtained will be used for that purpose.  You may dispute the debt, request verification of the debt, or opt out of electronic communications with BW.  This payment portal (the "Portal") is provided by Bessine Walterbach, LLP as a convenience to consumers who wish to make an electronic payment voluntarily.  Nothing in this Portal waives any of your rights under applicable law.  If you believe you do not owe this debt, or that the amount is incorrect, you have the right to dispute the debt in writing within thirty (30) days of the date of the initial written communication sent to you by BW.  Upon timely written dispute, BW will cease collection activity and provide verification of the debt before resuming.  Making a payment through this Portal does not waive your right to dispute the underlying debt.  If you require an accommodation to make a payment or to communicate with our office, please call 816-601-1100 or email admin@bw-llp.com and we will work with you to identify an accessible means of payment.

Use of this Portal is optional.  You may instead pay by check, cash or money order mailed or otherwise delivered to our office.  By submitting a payment through the Portal, you authorize BW and/or its payment processor (“Tratta”) to initiate an electronic debit or credit card charge from the account you designate, in the amount you specify, for the purpose of satisfying all or a portion of your outstanding balance with BW.  Payments through the portal are made as you direct; we do not initiate recurring transactions without your explicit authorization herein.  You will receive a confirmation from Tratta of each payment at the email address you provide, which you should retain.  The confirmation email does not constitute a payoff letter or final satisfaction of the account unless expressly stated.  By using this Portal, you acknowledge that your payment information is transmitted to and processed by Tratta in accordance with Tratta's cardholder data policies, privacy policies and security practices, which may include standard encryption in transit.  BW does not receive or store your full payment card or bank account numbers.  Transactions are processed in U.S. dollars only. Payments are applied to your account upon clearance of funds; a payment submitted today may not post to your account until the following day or the following week, depending on your financial institution.  By providing your email address and/or mobile telephone number in connection with a payment, you consent to receive account-related communications at those addresses, including payment confirmations, account updates, and legally required notices. Message and data rates may apply for text messages.  We will not send you marketing communications or sell your data.

This Portal, and any communication generated within or through this Portal, does not constitute legal advice and does not create an attorney-client relationship.  We cannot represent you, as we represent your creditor.  The choice of a lawyer is an important decision and should not be based solely on advertisement. If you are seeking legal representation, you should consult an attorney of your own choosing.

Information you provide through this Portal — including your name, contact information, account number, and payment information — will be used to update your account, process your payment, and, where required by law, to fulfill applicable compliance obligations.  Bessine Walterbach, LLP makes no warranty, express or implied, that this Portal will be available without interruption or error. In the event of a technical error resulting in a failed payment attempt, duplicate payment, or erroneous payment, please call 816-601-1100 so that we may review and where needed take appropriate remedial action.  To the maximum extent permitted by applicable law, BW's liability for any claim arising out of use of this Portal is limited to the amount of the payment at issue.  These Terms & Conditions are governed by the laws of the State of Missouri, without regard to conflict-of-law principles. Any dispute arising out of or relating to use of this Portal shall be subject to the exclusive jurisdiction of the state court located in Clay County, Missouri or federal court in Kansas City, Missouri.  By using this Portal you expressly agree to said limitation of liability, governing law and venue.  BW reserves the right to modify these Terms & Conditions at any time.  Changes will be effective upon posting to this Portal as shown in audit logs.  Your use of the Portal following any modification constitutes acceptance of the revised terms.

ELECTRONIC RECORDS AND SIGNATURES DISCLOSURE AND CONSENT

Please read this Electronic Records and Signatures Disclosure and Consent ("E-SIGN Consent") carefully and save or print a copy for your records. It explains your rights when you agree to receive records from us, and to sign documents, electronically. In this disclosure, "we," "us," and "our" mean BW, and "you" means the person giving consent.

1. Consent to do business electronically. Under the federal Electronic Signatures in Global and National Commerce Act (15 U.S.C. § 7001 et seq.) and applicable state law, you may agree to receive documents and disclosures from us, and to sign documents, electronically instead of on paper. When you consent, your electronic signature has the same legal force and effect as a handwritten signature, and an electronic record satisfies any law that requires a record to be provided or retained in writing.

2. Scope of your consent. Your consent applies to all records, documents, notices, and disclosures we provide to you, or ask you to sign, in connection with the account(s) or matter(s) identified in our communications with you, for as long as we are doing business together. This may include, without limitation: account and balance information, FDCPA dispute responses or verifications, payment agreements and schedules, settlement agreements, consent judgments, stipulations, and any other notices and disclosures required by law and any other documents related thereto.

3. Your right to paper records. You have the right to receive any record we provide electronically in paper form instead. To request a paper copy, please send us a message in the portal contact center. We will not charge you for paper copies. Requesting a paper copy of a particular record will not, by itself, withdraw your consent to receive other records electronically.

4. Your right to withdraw consent. You may withdraw your consent to receive records or sign documents electronically at any time, before or after you sign any document. To withdraw consent, send us a message through the portal contact center and tell us you wish to withdraw consent as to specific documents or all documents. If you withdraw consent, we will provide records to you on paper at the mailing address we have on file, and certain online features may no longer be available to you. Withdrawing consent will not affect the legal validity or enforceability of any record or signature you provided electronically before your withdrawal took effect. There is no fee to withdraw your consent.

5. Hardware and software you need. To access, view, and retain the electronic records we provide, you will need standard computer equipment and software, such as a computer or mobile device with internet access, a current version of a supported web browser (such as Chrome, Firefox, Safari, or Edge) with cookies enabled, software that can display and print PDF files (such as Adobe Acrobat Reader), a valid email account and software to access it, and storage to save records, or a printer to print them.

If our hardware or software requirements change in a way that creates a material risk that you will not be able to access or retain your records, we will notify you and give you the opportunity to withdraw your consent, without any fee or consequence we would not otherwise impose.

6. Confirming your consent and ability to access. By accepting these terms and proceeding, you confirm that: (a) you have read and understood this E-SIGN Consent; (b) you can access and read this disclosure in the electronic form in which it is presented to you; (c) you are able to access, view, and retain records in the formats we will use, including PDF; and (d) you consent to receive records and sign documents electronically as described above.