Terms of Service

Credit Service of Logan, Inc.
Last Updated: May 1, 2026
This is an attempt to collect a debt; any information obtained will be used for that
purpose.
This communication is from a debt collector

Acceptance of TermsThese Terms of Service ("Terms") govern your use of the website creditserviceoflogan.com, including any online payment portal accessible through our site, and all services provided by Credit Service of Logan, Inc. (referred to as "Credit Service of Logan," "CSL," "we," "us," or "our"). By accessing or using our website or the payment portal, or by otherwise engaging with our services, you acknowledge that you have read these Terms (including our Privacy Policy referenced herein) and agree to be bound by them. If you do not agree to these Terms, do not access or use our website or services.
Note: You are not required to use our website or online payment portal to interact with us. You may also contact us by telephone at (800) 221-3207 (toll-free) or (435) 752-2660 during business hours (Monday–Friday, 9:00 AM to 5:00 PM Mountain
Time), by mail at P.O. Box 3730, Logan, UT 84323, or in person at 95 West 100 South, Suite 385, Logan, UT 84321.
Nature of ServicesCredit Service of Logan is a debt collection agency. We assist creditors in the recovery of outstanding debts and account balances. Nothing on our website
constitutes legal, financial, or professional advice. Our online content and services are intended solely to facilitate communication, payment, and resolution
of debts placed with us for collection.
Online Payment Portal
Our website provides a link to an external secure payment portal operated by a third-party payment processor (currently Pay N Seconds/Infinity Payment Solutions). This payment portal allows you to make online payments on accounts assigned to us for collection. By clicking the payment link or "Submit" button and accessing the payment portal, you agree to any additional payment terms and conditions presented on that site. A convenience fee of $5.00 (USD) may be charged for processing an online payment, as displayed when you use the portal. If you do not wish to pay this fee or do not agree to the portal’s terms, you may choose an alternative payment method (see Section 4 below). The convenience fee may not be applied in certain states where prohibited by law.
Payment Authorization and Alternative Methods
By submitting a payment via our online portal or other electronic means (e.g., by phone), you represent and warrant that you are an authorized user of the payment method, and you authorize us and our payment processor to charge your chosen payment method for the amount you specify. You further agree that you are making the payment voluntarily and will not initiate a chargeback or payment dispute without a valid reason (such as unauthorized use of your payment
method). Payment Completion: Your payment is considered complete when we have received both approval from your financial institution and acceptance by us of the payment. If a payment fails or is declined for any reason, your account will not be credited, and you will remain responsible for the outstanding balance as well as any applicable fees or interest that may continue to accrue as permitted by law. In the event of a payment issue (e.g., a declined transaction or returned payment), we may contact you using the contact information available on file to inform you and discuss resolution (see Section 6 on communications). Partial Payments: If you pay an amount that is less than the full balance owed, our acceptance of such partial payment does not constitute a waiver of the remaining balance or an agreement to a payment plan, unless we explicitly agree to a settlement or payment arrangement in writing. All rights to collect the remaining balance are reserved. Alternative Payment Methods: If you prefer not to use the online payment portal(or to avoid any convenience fees), you may make payments via other methods. You can mail a check or money order (payable to Credit Service of Logan, Inc.) to P.O. Box 3730, Logan, UT 84323, or deliver a payment in person at our office (address provided in Section 1 above). You may also call (800) 221-3207 or (435) 752-2660 to arrange a payment over the phone with one of our representatives.
Refund Policy
All payments are final. Because payments are applied to outstanding debts, we generally do not offer refunds. However, if a refund is warranted (for example, due to an overpayment or a confirmed payment processing error), we will issue a refund to the original payment method whenever possible. If the original payment method is not available or cannot be used for a refund, we will issue the refund via an alternative method (such as a mailed check). Refunds are provided at our discretion, in compliance with applicable law.
Communication and Text Messaging Consent
6.1 Consent to Communications
By providing us with your contact information (including any telephone number, mobile number, email address, or mailing address), you consent to receive communications from Credit Service of Logan, Inc. (including our affiliated divisions CheXcel and Statewide Collections, LLC) in connection with your account or inquiry. You agree that we may contact you through various methods, including live telephone calls, text messages (SMS or MMS), email, and mail, as well as through the use of prerecorded or artificial voice messages and automatic telephone dialing systems (autodialers) when contacting you by phone or text, to the extent permitted by applicable law. You are not required to provide a mobile phone number to do business with us or to make a payment; providing a mobile number is voluntary. If you prefer not to be contacted by a particular method (for example, phone or email), or if you wish to limit communications to certain times or particular channels, please notify us using the contact information in Section 16 below. We will record and honor reasonable requests to the extent required by law.
6.2 Call Monitoring and Recording
For quality assurance, training, and compliance purposes, telephone calls with our representatives may be monitored or recorded, as permitted by applicable law. By continuing a call with us after being informed of this policy, you consent to such monitoring or recording where consent is required by law. If you do not consent to call recording when you call us, you may request to arrange communications by alternate methods.
6.3 Text Messaging
If you provide a mobile phone number, you consent to receive text messages related to your account or inquiry. These may include payment reminders, confirmation of payment arrangements, requests for you to contact us, or other account-related notifications. Message frequency will vary based on your account and interactions. Opting Out of Text Messages: You may opt out of further text messages at any time. To stop receiving texts from us, you can reply "STOP" to any text message we send, or contact us by phone or email to request that we cease text communications to your mobile number. After you opt out, we may still contact you by other permissible means (such as phone calls to a non-mobile number or by mail), if allowed by law. Message and Data Rates: Standard message and data rates may apply for any text messages we send or that you send to us, depending on your cellular plan and carrier. You are responsible for any such charges.
6.4 Email and Electronic Communications If you provide us with an email address, you consent to receive account-related communications, notices, receipts, and documents via email. We will send these electronic communications to the email address you provide to us or that we have on file for you. Withdrawing Email Consent: You may withdraw your consent to electronic communications at any time by contacting us (see Section 16 below). Upon withdrawal, we will use other legally permitted methods (such as postal mail or phone) to communicate with you regarding your account. You may also request a free paper copy of any document we have provided to you electronically. By providing your email address and agreeing to these Terms, you confirm that you have access to the necessary technology (such as a computer or mobile device with internet connectivity and document viewing capabilities) to receive and view electronic communications from us.
6.5 Accuracy of Contact Information
You are responsible for ensuring that the contact information you provide to us remains accurate and up-to-date. If your phone number, mailing address, or email address changes, or if you no longer wish to use a particular contact method, you must inform us promptly so we can update our records. We are not responsible for any missed communications or other consequences resulting from outdated or incorrect contact information provided by you.
6.6 Privacy and Unauthorized Access
We respect your privacy and handle your personal information in accordance with our Privacy Policy. However, please be aware that email and text
communications may not be entirely secure. It is your responsibility to protect your devices and accounts to prevent unauthorized access to communications we send. We are not responsible for any third-party access to your email or text messages once delivered, if such access occurs without our fault or outside of our control.6.7 Compliance with Communication Laws
We strive to comply with all applicable federal and state laws governing communications in debt collection. This includes the Telephone Consumer
Protection Act (TCPA), which requires prior consent for certain calls and texts to mobile phones, as well as the Fair Debt Collection Practices Act (FDCPA) and the Consumer Financial Protection Bureau’s Regulation F, which impose rules on the frequency, time, and content of communications. If any provision of this Section (Communication and Text Messaging Consent) is found to be invalid or unenforceable under the law of your jurisdiction, it will be applied to the maximum extent permissible and shall not invalidate the remaining provisions of these Terms.
Account Information and Payment Accuracy
You agree that any information you provide to u —whether through our website, payment portal, or in communications—is accurate, complete, and truthful to the best of your knowledge. You understand that we will rely on the information you provide to properly service your account. If we discover an error in applying a payment (such as a misapplied amount), we will correct the error promptly and, if applicable, return any erroneously charged fees to you as your sole remedy.
Third-Party Links and Content
Our website or communications may contain links to third-party websites or resources (for example, our third-party payment portal or informational resources). These links are provided for convenience only. We do not control and are not responsible for the content, privacy, or security practices of third-party sites. Following such links is at your own risk, and we encourage you to review the terms and privacy policies of any third-party websites you visit.
Intellectual Property
The content and materials on our website — including text, logos, graphics, images, and software — are the property of Credit Service of Logan, Inc. or our
licensors and are protected by copyright, trademark, and other intellectual\property laws. You may not copy, reproduce, republish, distribute, or create derivative works from any content on our site without our express prior written consent.
Disclaimer of WarrantiesYour use of our website and services is at your own risk. All content and services are provided "as is" and "as available," without warranties of any kind, either express or implied. To the fullest extent permitted by law, we disclaim all warranties, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, title, non-infringement, and any warranties arising from course of dealing or usage of trade. We do not guarantee that our website, payment portal, or communications will be uninterrupted, error-free, or secure, or that any defects will be corrected.
Limitation of Liability
To the maximum extent permitted by law, Credit Service of Logan, Inc. and its affiliates, officers, employees, and agents will not be liable for any indirect,
incidental, consequential, special, punitive, or exemplary damages arising from or related to your use of (or inability to use) our website, payment portal, or
services. This includes any harm to your computer system, loss of data, or other damages that may result from accessing or using our site or payment portal.
Where permitted by law, our total liability for direct damages shall not exceed the amount of fees (if any) you paid to us for the specific service that gave rise to the
claim.
Indemnification
You agree to indemnify and hold harmless Credit Service of Logan, Inc., including our affiliates, officers, directors, employees, and agents, from any and all claims,
liabilities, damages, losses, or expenses (including reasonable attorneys’ fees and court costs) arising out of or relating to your violation of these Terms or your
use of the website or services in a manner not authorized by these Terms or by law.
Arbitration Agreement
At the election of either you or us, any dispute, claim, or controversy arising out of or relating to these Terms, your account, or any interaction between you and
Credit Service of Logan, Inc. will be resolved by binding arbitration on an individual (non-class) basis. This includes disputes concerning the interpretation
or scope of this arbitration clause, or the arbitrability of any issue. The arbitration will be administered by a recognized arbitration organization such as the
American Arbitration Association (AAA) under its applicable rules. You and we each agree to waive the right to a trial by jury and the right to participate in a
class action or other representative proceeding. If any part of this arbitration agreement is found unenforceable, the remainder shall still be enforceable, except that if a finding of partial unenforceability would allow for a class or representative arbitration, this entire arbitration section shall be null and void.
Governing Law
These Terms and any disputes arising from your use of our website or services shall be governed by and construed in accordance with the laws of the State of
Utah, without regard to its conflict of law principles. However, if you reside in a state that mandates the application of its own laws for consumer contracts, that
state’s laws may apply to the extent required.
State-Specific Notices
We comply with all applicable state and federal laws pertaining to debt collection. If you are a resident of one of the following states, the following additional notices and rights apply to you:
California Residents: The California Rosenthal Fair Debt Collection Practices Act and the federal FDCPA require that, except under unusual circumstances, debt collectors may not contact you before 8:00 AM or after 9:00 PM. They may not use obscene or profane language, or threaten you with violence, arrest, or other illegal actions. Debt collectors cannot falsely imply legal action will be taken if it is not permitted or intended. They generally may not tell others (except your attorney or spouse) about your debt, except to obtain information about your whereabouts or to effectuate a judgment. For more information about your rights under state and federal law, contact the California Department of Consumer Affairs or the Federal Trade Commission.
Colorado Residents: You have the right to request in writing that a debt collector cease further communication with you. A valid written request to cease communication will not prohibit a debt collector from taking other lawful action to collect the debt. Our local Colorado office is located at 2442 S. Downing St., Suite 102, Denver, CO 80210, telephone (303) 863-9500. Our main office’s toll-free number is (800) 364-6445. For additional information about the Colorado Fair Debt Collection Practices Act, you may contact the Colorado Attorney General’s Consumer Credit Unit.
Nevada Residents: If you make or promise a payment on a debt, it may be construed as an acknowledgment of the debt and a waiver of any applicable statute of limitations that would otherwise bar collection of the debt. If you have questions regarding your legal rights or obligations about this debt, you should seek legal advice.
Utah Residents: As required by Utah law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.
(If you reside in a state not listed above, you may have similar or additional rights under your state's laws. We include all required state-specific notices in our written communications to you or upon request.)
Changes to Terms
We may modify these Terms at any time. When we make changes, we will update the "Last Updated" date at the top of this document. For significant changes, we
may also provide additional notice (e.g., through a notice on our website). By continuing to use our website or services after any changes to these Terms are posted, you accept and agree to the modified Terms.
Contact Information
If you have any questions, concerns, or requests regarding these Terms or our services, please contact us:
Credit Service of Logan, Inc.
Mail: P.O. Box 3730, Logan, UT 84323
Phone: (800) 221-3207 (Toll-Free) or (435) 752-2660
Email: helpdesk@creditserviceoflogan.com
Office Address: 95 West 100 S, Suite 385, Logan, UT 84321
(office hours: Monday–Friday, 9:00 AM – 5:00 PM MT)

By using the creditserviceoflogan.com website or our services, you acknowledge and agree to these Terms of Service.