DISCLOSURES

Federal law requires us to advise you that Triad Financial Services, Inc. NMLS ID 1063 as the servicer of 
your loan, is responsible for collecting your payments; however, in some circumstances we may be acting 
as a debt collector, in those circumstances, this communication is from a debt collector attempting to 
collect a debt and any information obtained may be used for that purpose.

CREDIT REPORTING
We may report information about your account to credit bureaus. Late payments, missed payments, or 
other defaults on your account may be reflected in your credit report. As required by 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.

IMPORTANT BANKRUPTCY NOTICE
Bankruptcy (if applicable) - To the extent your original obligation was discharged or is subject to an 
automatic stay of bankruptcy under Title 11 of the U.S. Code, this statement is for compliance and/or 
informational purposes only and does not constitute an attempt to collect a debt or to impose personal 
liability for such obligation. However, Triad Financial Services, Inc., retains rights under its security 
instrument, including the right to foreclose its lien.

NOTICE TO CUSTOMERS
To provide us with a Notice of Error about the servicing of your loan, or make a Request for Information 
about the servicing of your loan, please contact us at:

Should you have any questions or concerns regarding your loan, please contact us at 1-877-426-8362 Our 
office is open Monday – Friday 8:30 AM – 5:00 PM EST.

MINI MIRANDA
This communication is from a debt collector, and it is for the purpose of collecting a debt and any 
information obtained will be used for that purpose. This notice is required by the provisions of the Fair 
Debt Collection Practices Act and does not imply that we are attempting to collect money from anyone 
who has discharged the debt under the bankruptcy laws of the United States.

HUD STATEMENT
Pursuant to Section 169 of the Housing and Community Development Act of 1987, you may have the 
opportunity to receive counseling from various local agencies regarding the retention of your home. You 
may obtain a list of the HUD-approved housing counseling agencies by calling the HUD nationwide tollfree telephone number at (800) 569-4287.

EQUAL CREDIT OPPORTUNITY ACT NOTICE
The Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the
basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the
capacity to enter into a binding contract); because all or part of the applicant’s income derives from any
public assistance program; or because the applicant has in good faith exercised any right under the
Customer Credit Protection Act. The federal agency that administers compliance with this law concerning
this creditor is:

Federal Trade Commission
Equal Credit Opportunity
600 Pennsylvania Avenue, NW
Washington, DC 20580
1-877-FTC-HELP (1-877-382-4357); TTD: 1-866-653-4261
www.ftc.gov

SERVICEMEMBERS CIVIL RELIEF ACT (SCRA) - If you or any other person on this mortgage is a 
servicemember or dependent of a servicemember, you may be entitled to certain protections under the 
Federal Servicemembers Civil Relief Act (50 U.S.C. Sec 501) regarding the servicemember’s interest rate 
and the risk of foreclosure. Counseling for qualified individuals is available at agencies such as Military 
OneSource and Armed Forces Legal Assistance. To obtain information on counseling assistance, contact 
the OneSource Center, toll free, at (800)-342-9647 or visit their website: https://www.militaryonesource.mil/financial-legal/legal/servicemembers-civil-relief-act/. 

Assert and protect your rights as a member of the armed forces of the United States. If you are or your 
spouse is serving on active military duty, including active military duty as a member of the Texas National 
Guard or the National Guard of another state or as a member of a reserve component of the armed forces 
of the United States, please send written notice of the active-duty military service to the sender of this 
notice immediately.

California Property Owners - The state Rosenthal Fair Debt Collection Practices Act and the federal Fair 
Debt Collection Practices Act require that, except under unusual circumstances, collectors may not 
contact you before 8:00 a.m. or after 9:00 p.m. They may not harass you by using threats of violence or 
arrest or by using obscene language. Collectors may not use false or misleading statements or call you at 
work if they know or have reason to know that you may not receive personal calls at work. For the most 
part, collectors may not tell another person, other than your attorney or spouse, about your debt. 
Collectors may contact another person to confirm your location or enforce a judgment. For more 
information about debt collection activities, you may contact the Federal Trade Commission at 1-877-FTCHELP or www.ftc.gov. 

Massachusetts Property Owners - NOTICE OF IMPORTANT RIGHTS: YOU HAVE THE RIGHT TO MAKE A 
WRITTEN OR ORAL REQUEST THAT TELEPHONE CALLS REGARDING YOUR DEBT NOT BE MADE TO YOU AT 
YOUR PLACE OF EMPLOYMENT. ANY SUCH ORAL REQUEST WILL BE VALID FOR ONLY TEN DAYS UNLESS 
YOU PROVIDE WRITTEN CONFIRMATION OF THE REQUEST POSTMARKED OR DELIVERED WITHIN SEVEN 
DAYS OF SUCH REQUEST. YOU MAY TERMINATE THIS REQUEST BY WRITING TO THE CREDITOR. PLEASE 
SUBMIT YOUR WRITTEN REQUEST TO STOP SUCH COLLECTION CALLS TO TRIAD FINANCIAL SERVICES, INC.
13901 Sutton Park Drive South, Suite 300, Jacksonville, FL 32224. The telephone number and hours of 
availability for Triad Financial Services, Inc. are as follows: 1-877-426-8362, Monday – Friday, 8:30 AM –
5:00 PM EST.

TEXAS MORTGAGE BANKER DISCLOSURE
CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED 
MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND 
SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 
2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS 
MAY BE OBTAINED FROM THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE 
CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.

For those customers who reside in the State of Texas, Triad Financial Services, Inc. will not 
recognize 3rd Party Property Tax Lien Transfers or Property Tax Deferrals. Those programs create 
a lien on your property which takes priority over your mortgage. A change in lien position violates 
your mortgage agreement and we will take the necessary steps needed to ensure the mortgage 
lien is not at risk. 

Arkansas Property Owners - Please note that Triad Financial Services, Inc. is licensed in Arkansas 
(Mortgage Servicer License Number 11577 and that complaints about Triad Financial Services, Inc. may 
be submitted to the Arkansas Securities Department via the Department's website 
(http://www.securities.arkansas.gov/) or toll-free (800-981-4429).

Maine Property Owners- The telephone number and hours of availability for Triad Financial Services, Inc., 
Inc. are as follows: 1-877-426-8362, Monday – Friday, 8:30 AM – 5:00 PM EST.

Minnesota Property Owners - Triad Financial Services, Inc. is licensed by the Minnesota Department of 
Commerce (Registration 20258055). This is not an offer to enter into a rate lock agreement under 
Minnesota law.

Montana Property Owners - Triad Financial Services, Inc. is licensed by the Division of Banking and 
Financial Institutions for the State of Montana (Mortgage Servicer 1063. A borrower may file a complaint 
about Triad Financial Services, Inc. with the Department: 
Division of Banking and Financial Institutions, 301 South Park, Suite 316, PO Box 200546, Helena, MT 
59620 Phone: (406) 841-2920 Fax: (406) 841-2930 

Oregon Property Owners - Borrowers: The Oregon Division of Financial Regulation (DFR) oversees 
residential mortgage loan servicers who are responsible for servicing residential mortgage loans in 
connection with real property located in Oregon and persons required to have a license to service 
residential mortgage loans in this state. If you have questions regarding your mortgage loan, contact your 
servicer at 1-877-426-8362 or email at servicing@triadfs.com. To file a complaint about unlawful conduct 
by an Oregon licensee or a person required to have an Oregon license, call DFR at 888-877-4894 or visit 
dfr.oregon.gov.

Utah Property Owners - 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.

West Virginia Property Owners- The activities of collection agencies in West Virginia are regulated by the 
Attorney General’s Consumer Protection Division, 812 Quarrier Street, Charleston, WV 25301. Federal 
law prohibits agencies from contacting you about your debt if you send a letterrequesting that all contacts 
stop.

Colorado Property Owners – Our local office is located at 13901 Sutton Park Drive South, Suite 300, 
Jacksonville, FL 32224, 1-877-426-8362. FOR INFORMATION ABOUT THE COLORADO FAIR DEBT 
COLLECTION PRACTICES ACT, SEE WWW.AGO.STATE.CO.US/CADC/CADCMAIN.CFM. A consumer has the 
right to request in writing that a debt collector or collection agency cease further communication with the 
consumer. A written request to cease communication will not prohibit the debt collector or collection 
agency from taking any other action authorized by law to collect the debt.

North Carolina Property Owners –You may call 919-733-3016 to contact the North Carolina
Commissioner of Banks or to file a complaint about Mortgage Servicing, go to North Carolina
Commissioner of Bank’s Website: 
http://www.nccob.org/public/ConsumerInformation/Complaints/CIFileComplaint.aspx. 

Facing a possible foreclosure is one of the most stressful and overwhelming situations a homeowner can 
be forced to deal with. Whether you’re actively facing foreclosure or just at risk, North Carolina offers 
free resources to help.

NC State Home Foreclosure Prevention Project of the Housing Finance Agency
3508 Bush Street
Raleigh, NC 27609
1-888-442-8188
https://www.nchfa.com/homeowners/are-you-struggling-pay-your-mortgage

*If you believe the loss mitigation request has been wrongly denied, you may file a complaint with the 
North Carolina Office of the Commissioner of Banks website, www.nccob.gov.*

Wyoming Property Owners – Licensed by the Wyoming Division of Banking 3150.

Nevada Property Owners – If you are a qualifying federal worker, tribal worker, state worker or a 
household member or landlord of such a worker, you may be entitled to certain protections (when 
applicable) pursuant to the Nevada Revised Statute Chapter 40.531 during a period in which there is a 
lapse in appropriations for a federal or state agency or tribal government that continues through any 
unpaid payday for a federal worker, state worker or tribal worker employed by that agency or tribal 
government. For additional information and to determine eligibility please contact Triad Financial 
Services, Inc. toll free at 1-877-426-8362. 

New York Large Print Notice – You may request written communications in an alternative, reasonably 
accommodatable format selected by Triad Financial Services, Inc. such as large print, braille, audio 
compact disc or other means. Please call Triad Financial Services, Inc. at 1-877-426-8362 to make such a 
request