About

"“All Clients Deserve Ethical, Professional, Excellent Service, Which We Strive for Every Day.”"
– Timothy M. Sullivan, Esq.

Terms of Use

Using this Website

All the information found within this Web site is © 2013 HS Financial Group, LLC. All rights reserved. HS Financial Group, LLC, H.S.F. and HSF are service marks of HS Financial Group, LLC. All other trademarks are the property of their respective owners.

This communication is from a debt collector. This is an attempt to collect a debt, and any information obtained will be used for that purpose.

All correspondence to us should be sent to the following address:

HS Financial Group, LLC
25651 Detroit Rd., Suite 203
Westlake, OH 44145

Our toll free telephone number is (888) 774-0272.

Our business office hours are 8 a.m. to 5 p.m. Eastern Time, Monday - Friday.

When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction.

We are required under state law to notify consumers of the following rights. The following additional notices apply to persons residing in those states. This list does not contain a complete list of the rights consumers have under state and federal law.

California Residents

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 a.m. or after 9 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-FTC-HELP or www.ftc.gov.

Colorado Residents

This company is doing business as HS Financial Group Ohio, LLC. For information about the Colorado Fair Debt Collection Practices Act, see www.coloradoattorneygeneral.gov/ca. 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. Local Office: 3025 South Parker Road, Suite 711, Aurora, CO. 80014, (303) 751-3025

Maine Residents

Please see our hours of operation and telephone number listed in the Student Borrower page of our web site.

Massachusetts Residents

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 debt collector.

Minnesota Residents

This collection agency is licensed by the Minnesota Department of Commerce.

New Hampshire Residents

This company is doing business as HS Financial Group, LLC

New York City Residents

New York City Department of Consumer Affairs License Number: 1258807. You may reach us toll free by calling (888) 774-0272. The originating creditor and the amount of the debt are provided on the letter we sent you. You may also obtain this information on line by clicking here and signing on to the confidential payment portal.

North Carolina Residents

This collection agency is licensed by the state of North Carolina, permit number 107892.

North Dakota Residents

This company is doing business as HS Financial Group, LLC

South Dakota Residents

This company is doing business as HS Financial Group, LLC

Tennessee Residents

This collection agency is licensed by the Collection Service Board of the Department of Commerce and Insurance of Tennessee.

Wisconsin Residents

This collection agency is licensed by the Wisconsin Division of Banking, P.O. Box 7876, Madison, Wisconsin 53707.

Terms of Use

The following terms and conditions ("Terms and Conditions") govern your use of the World Wide Web Site located at www.hsfgroup.net (this "website"). By accessing, viewing, or using the content, material, or services available on or through this website, you indicate that you have read and understand these Terms and Conditions, and that you agree to them and intend to be legally bound by them. If you do not agree to these Terms and Conditions, you are not granted permission to use this website and must exit immediately.

These Terms and Conditions may be changed at any time. Notice of any new or revised Terms and Conditions, as well as the location of the new or revised Terms and Conditions, will be posted on the website for at least 60 days after the change. It is the obligation of users visiting the website before the change to learn of changes to the Terms and Conditions since their last visit. Any change to these Terms and Conditions shall be effective as to any visitor who has visited the website before the change was made.

This website has been prepared for the purpose of providing information about HS Financial Group, LLC and the products and services offered by the company and its operating subsidiaries and affiliates. Without limiting the generality of anything else, HS Financial Group, LLC makes no commitment, and disclaims any duty, to update this website or any of the information obtained through this website, and it shall not be responsible for any errors or omissions in the website. HS Financial Group, LLC reserves the right to add, modify or delete any information on this website at any time, with or without notice.

Copyright and Other Proprietary Information

Website text, graphics, design, selection and arrangement copyright © 2013 HS Financial Group, LLC. All rights reserved. Permission is granted to download and print materials from this website only for the purpose of viewing, reading, and retaining for reference the materials for personal, non-commercial purposes. Any other copying, distribution, or modification of or preparation of derivative works based upon, or any framing, capturing, harvesting, or collection of, or creating of hypertext or other links or connections to, this website or any materials on this site, whether in electronic or hard copy form, without the express prior written permission from HS Financial Group, LLC is strictly prohibited. Removing or altering any copyright notice or any other proprietary notice on any website materials is strictly prohibited.

All names, trademarks, service marks, symbols, slogans, and logos appearing on the website are proprietary to HS Financial Group, LLC or its licensors. Use or misuse of these trademarks is expressly prohibited and may violate federal and state trademark law.

HS Financial Group, LLC welcomes your feedback and suggestions about how to improve our products, information, and services and this website. By transmitting any suggestions, information, data, material, or other content (collectively, "Submissions") to HS Financial Group, LLC, you automatically grant HS Financial Group, LLC the royalty-free, perpetual, irrevocable, non-exclusive right and license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, redistribute, transmit, perform and display any or all of such Submissions (in whole or part) throughout the universe and to incorporate such in other works in any form, media, or technology now known or later developed for the full term of any rights that may exist in such Submission(s). Further, HS Financial Group, LLC is free to use any ideas, concepts, methods, know-how, techniques, and processes contained in any communications you send to this website for any purpose whatever, including, but not limited to, creating and marketing products, information, or services using such information.

Disclaimers; Disclaimers Regarding Other Servers and Websites

This website, the website materials on and in and made available through this website, and the services, information, and products offered by HS Financial Group, LLC, and its operating subsidiaries and affiliates in connection therewith are made available "as is" and "with all faults." Use of this website is entirely at your own risk.

HS Financial Group, LLC  makes no representations or warranties, and disclaims all representations and warranties, with respect to this website, the website materials on and in and made available through this website, and the services, information, and products offered in connection therewith, express or implied, written or oral, arising from course of dealing, course of performance, usage of trade, or otherwise, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, accuracy, systems integration, non-interference, quality, title, and non-infringement. The entire risk as to satisfactory quality, performance, accuracy, and effort with regard to any and all website materials on and in and made available through this website is with you. HS Financial Group, LLC shall not be liable for any special, indirect, incidental, consequential, exemplary, extra-contractual, or punitive damages of any kind whatever, including, without limitation, lost revenues or lost profits, which may or do result from the use of, access to, or inability to use this website, the website materials on and in and made available through this website, or the services, information, and products offered in connection therewith, regardless of legal theory, whether or not any party had been advised of the possibility or probability of such damages, and even if the remedies otherwise available fail of their essential purpose. Under no circumstances will the total liability of HS Financial Group, LLC to you or any other person or entity in connection with, based upon, or arising from this website, the website materials on and in and made available through this website, or the services, information, or products offered in connection therewith exceed the price paid by you for use of this website.

Prohibited Activities

HS Financial Group, LLC reserves the right to investigate and terminate your use of the Website if you have misused the Website or behaved in a way which could be regarded as inappropriate or whose conduct is unlawful or illegal. Inappropriate, unlawful or illegal conduct includes, but is not limited to:

  • Impersonating another person or entity:
  • Expressing or implying that any statements you make are endorsed by HS Financial Group, LLC without our specific prior written consent.
  • Using any robot, spider, side search/retrieval application, or other manual or automatic device or process to retrieve, index, “data mine,” or in any way reproduce or circumvent the navigational structure or presentation of the Website or its contents;
  • Posting, distributing or reproducing any copyrighted material, trademarks or other proprietary information without obtaining the express prior written consent of the owner of such proprietary or intellectual property rights;
  • Removing any copyright, trademark or other intellectual property rights or notices included on the Website;
  • Interfering with or disrupting the website or the servers or networks connected to the Website;
  • Posting, emailing or otherwise transmitting any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software, hardware or telecommunications equipment;
  • Forging headers or otherwise manipulating identifiers to disguise the origin of any information transmitted;
  • “Framing” or “mirroring” any part of the Website without HS Financial Group LLC’s prior written authorization;
  • Using meta tags or code or other devices containing any reference to HS Financial Group, LLC or the Website to direct any person to any other website for any purpose; and
  • Modifying, adapting, sublicensing, translating, selling, reverse engineering, deciphering, compiling or otherwise disassembling any portion of the Website or any software used on the Website or causing others to do so.

Customer Service

HS Financial Group, LLC provides assistance and guidance through its representatives. When communicating with our representatives, you may not be abusive, obscene, profane, offensive, sexist, threatening, harassing, racially or religiously offensive or otherwise behave inappropriately. If we feel that your behavior towards any of our representatives or employees is at any time threatening, abusive or offensive, we reserve the right to immediately cease such communication and terminate your use of the Website.

Without limiting the generality of the foregoing, other sites that may be listed or linked in this website are not under the control of HS Financial Group, LLC.   Accordingly, HS Financial Group, LLC  can make no representation concerning the content of these sites to you, nor can the fact that HS Financial Group, LLC has given you this listing serve as an endorsement by HS Financial Group, LLC of any of these sites. HS Financial Group, LLC is providing links to these sites as a convenience to you. HS Financial Group, LLC. has not tested any software that may be found on these sites and therefore cannot make any representations regarding the quality, safety or suitability of any software found there. There are inherent dangers in the use of any software found on the Internet, and HS Financial Group, LLC cautions you to make sure that you completely understand the risk before retrieving any software on the Internet. We are not responsible for any content, information, products, services, or software offered by any other party or at any other web site.

Applicable Laws

All content and materials of this Website are protected by copyrights, trademarks, or other proprietary/intellectual property rights and laws. These terms and conditions shall be governed and construed in accordance with the laws of the state of Ohio, USA, and applicable federal laws without regard to conflicts of law principles. You agree that any and all proceedings relating to this Website and the subject matter contained herein shall be maintained in the courts of the state of Ohio or the federal district courts sitting in Ohio, which courts shall have exclusive jurisdiction for such purpose.

Not Legal Advice

The information on this Website is not to be construed as legal advice. It should not be used to replace the advice of your own legal counsel. The information on this Website does not include a complete list of the rights available under state or Federal law.

Entire Agreement

This agreement constitutes the entire and only agreement between HS Financial Group, LLC and each user of this Site with respect to the subject matter of this Agreement and supersedes any and all prior or contemporaneous agreements, representations, warranties and understandings, written or oral, with respect to the subject matter of this agreement. 

Other

If any provision of these Terms of Use is held invalid, the remainder of the Terms of Use shall continue in full force and effect.