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Notice for California Residents.  Pursuant to the California Consumer Privacy Act, we collect the following categories of personal information:  Personal identifiers such as names, addresses and telephone numbers; identification numbers and account information, payment and other financial or personal history information; audio recordings; geographic information; education and employment information; other identifying information such as Internet and web site activity; and inferences drawn from any of the above information.  We do not sell your personal information.  These categories of personal information are used for the business purposes of debt collection, to fulfill the reason for which information is provided or obtained, and to comply with legal obligations.  Our Privacy Policy, and information on how a consumer with a disability may access this notice in an alternate format, may be found at www.optiosolutions.com/privacy-policy or by calling 1-866-401-0788.