If you would like to pay, please go to our Payment Center. After we come to an agreement, we will send you paperwork to sign and return, if applicable.

You can dispute your account in several ways:

• By mail: 974-73rd Street, Suite 20, West Des Moines, IA 50265
• By calling our office and speaking with an agent: 800-617-7593
• By faxing your dispute to 515-223-6011
• By visiting our online Dispute Center

Upon receipt of a dispute notification, the firm will investigate your dispute in a timely manner. In order to complete the investigation, it may be necessary for the firm to reach out to request additional information/documentation. Upon completion of the investigation, the firm will notify you of the results (either by mail, email or phone). If your dispute is determined to be invalid, the firm's collection efforts will continue. If your dispute is found to be valid, the firm will notify you, notify our client, dismiss any pending litigation and close our file.

FOR FRAUD/IDENTITY THEFT DISPUTES: We will send you an Affidavit of Fraud form. This form will need to be filled out and returned to our office (via mail or email) with supporting documentation in order for our office to investigate and respond to the fraud claim. Supporting documentation may include a police report, a copy of your dispute letter to any credit reporting agency and/or original creditor, a copy of a valid government-issued photo identification card (i.e. driver's license, passport, state-issued ID), and proof of residency during the time the disputed charges occurred.

FOR ACCOUNT ALREADY PAID DISPUTES or BALANCE DISCREPANCY DISPUTES: You will be asked to produce evidence of payments. The evidence must include reference to the original creditor number.

If you emailed your agreement, you would have received a "RECEIVED" confirmation. Unless you have received a follow up email stating your agreement could not be processed, you should assume we received your agreement and are processing it without issue.

If you returned your agreement back to us via mail or fax, you can check the court docket to see if it has been filed. Again, if there were issues processing your agreement, we will reach out to you. Otherwise, assume we are processing it without issue.

You can also call our office to speak to an agent Monday – Friday 8am-5pm at 1-800-617-7593.

We will be pursuing a judgment entry from the Court if a lawsuit has already been filed. Once we receive your properly signed agreement, our attorney will also sign it. We will then file it with the Court and request the judgment be entered. This lets the Court know that we have come to an agreement and a hearing on the matter may not be necessary. It remains your responsibility to decide whether or not to attend any scheduled court dates prior to the entry of judgment. We cannot tell you if your attendance to a hearing is required. Lastly, the estimated timeframes mentioned on this website are typical of our usual processing times and are not guarantees of our processing time. If you have concerns about processing time, you can either call our office to discuss with an agent or consult with your own attorney.

THAT'S IT! Now all that is left to do is make your payments as agreed!

***PLEASE NOTE: WE DO NOT MAIL MONTHLY BILLING STATEMENTS***

Mail to 974-73rd Street Suite 20, West Des Moines, IA 50265

Online at our Payment Center (you will need your file number)

Wire transfer (call for wire instructions)

Call one of our agents to do a payment over the phone (1-800-617-7593)

Any letter or pleading from our office will have your file # either in the RE: line of the letter or to the left of the barcode at the bottom of the document (refer to "OFN"). It can also be found in the subject line of any email communication you have received from our office.

We will file the required paperwork with the Court once your final payment processes and clears, if applicable. We will notify our client and close your file in our office. Upon request, we will send you a closing letter.

If you continue to have questions regarding the litigation process, please consult with your own attorney. We represent the Plaintiff in this matter and cannot give you any legal advice. THE INFORMATION CONTAINED ON THIS WEBSITE IS MEANT TO BE INFORMATIONAL ABOUT THE PROCESSES AND PROCEDURES OF OSBORN JACOBS & HARTUNG PLC AND SHOULD NOT BE TAKEN AS LEGAL ADVICE TO YOU. THE INDIVIDUAL CIRCUMSTANCES AND STATUS OF YOUR ACCOUNT MAY RESEULT IN VARIATION FROM THE PROUCEDURES OUTLOMED ABOVE.