Legal & Compliance.

Note: For any questions or concerns regarding the following, please contact us via email: legal@nstarholdings.com.

This Legal page sets forth all required regulatory disclosures, consumer notices, and payment terms for visitors and consumers interacting with NSTAR Holdings LLC (“NSTAR”) via this website or any related communications. NSTAR is a licensed and registered debt collection agency operating in the State of California and is fully compliant with all applicable federal and state laws, including but not limited to the California Debt Collection Licensing Act, the Rosenthal Fair Debt Collection Practices Act, the federal Fair Debt Collection Practices Act, and related regulations. By accessing this website or submitting payment to NSTAR, you acknowledge and agree to the following terms, conditions, and disclosures.

NSTAR Holdings LLC is licensed by the California Department of Financial Protection and Innovation (DFPI) under the California Debt Collection Licensing Act and is registered with the Nationwide Multistate Licensing System & Registry (NMLS Company License #: 11498-99). All debt collection activities are conducted in accordance with the requirements of the DFPI, NMLS, and all relevant consumer protection statutes. NSTAR maintains all required licenses, renewals, and regulatory filings in good standing and reserves the right to update its compliance practices as required by law or regulatory guidance.

All communications from NSTAR, whether written or electronic, will include the required license number and regulatory disclosures in accordance with California Civil Code and Financial Code. Consumers may request verification of a debt or the name and address of the original creditor in writing. If a consumer disputes the validity of a debt in writing within the time period specified by law, NSTAR will suspend collection efforts on the disputed portion until verification is provided. All consumer rights afforded under the Rosenthal Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act are observed and enforced by NSTAR.

Written notices regarding any debt will include, as applicable, the name and mailing address of NSTAR Holdings LLC, the name and mailing address of the consumer, the name of the current creditor, the account number or a truncated version thereof, the current amount of the debt, and information regarding consumer rights and dispute procedures as required by law. NSTAR does not engage in any abusive, unfair, deceptive, or misleading practices in the collection of debts and maintains strict adherence to all privacy, data security, and consumer protection laws.

Payments to NSTAR Holdings LLC may be made through PayPal Business or any other payment processor designated by NSTAR. By submitting payment through this website or any other channel, you agree to all terms and conditions set forth herein and by the payment processor, including but not limited to transaction fees, refund policies, and data handling practices. NSTAR is not liable for technical issues, delays, or errors attributable to third-party payment platforms. Any disputes regarding transactions must be resolved in accordance with the terms and procedures established by the payment processor. Payments submitted to NSTAR will be applied to outstanding balances in accordance with applicable law and the terms of your account. No payment, whether partial or full, shall be construed as a settlement or satisfaction of the total debt unless expressly agreed to in writing by NSTAR Holdings LLC. The application of payments, including the allocation of amounts between principal, interest, fees, or other charges, will be determined by NSTAR in its sole discretion, consistent with applicable law and the terms of the underlying obligation.

Interest rates, late fees, and any other charges associated with outstanding debts are governed by the terms of the original creditor agreement and are assessed in accordance with all applicable local, state, and federal laws. NSTAR does not impose additional fees or interest beyond those authorized by the original creditor agreement and permitted by law. Consumers are responsible for reviewing the terms of their original agreements to determine the applicable rates and charges.

Use of this website and any payment services constitutes acceptance of all terms, conditions, and privacy policies established by NSTAR Holdings LLC and any third-party service providers. NSTAR reserves all rights and remedies available under law and does not waive any rights, defenses, or privileges except as expressly stated in a written agreement executed by an authorized representative of NSTAR. NSTAR is not responsible for the content, accuracy, or availability of external regulatory agency websites referenced herein. This page is intended to satisfy all legal disclosure and notice obligations for debt collection agencies operating in California and under federal law. No additional consumer rights or remedies are conferred beyond those required by statute. NSTAR does not provide legal advice or representation to consumers.

For additional information regarding your rights, you may consult the Consumer Financial Protection Bureau at www.consumerfinance.gov, the California Department of Financial Protection and Innovation at www.dfpi.ca.gov, or the Nationwide Multistate Licensing System & Registry at www.nmlsconsumeraccess.org. This Legal page is subject to change without notice as required to maintain compliance with applicable laws and regulations. Continued use of this website constitutes acceptance of any such changes.