Terms of Use 

Last updated – March 6, 2026

PLEASE READ THIS TERMS & CONDITIONS AGREEMENT CAREFULLY BEFORE USING THIS WEBSITE. Southwood Financial LLC (“we,” “us”) provides this website and website related services, if any, (collectively, the “Site”) subject to your compliance with the terms and conditions set forth in this agreement (the “Agreement:). This Agreement governs the relationship between us, the Site visitor, with respect to your use of the Site. It is important that you read carefully and understand the terms and conditions of this Agreement. BY USING THE SITE, YOU AGREE TO BE BOUND BY THIS AGREEMENT. If you do not agree to these terms and conditions, you must not use the Site.

We may at any time, at our sole discretion, revise or otherwise update this Agreement by posting an amended Agreement on the Site; any changes that we make to this Agreement will be effective immediately upon posting. Please check this page periodically for changes to the Agreement; you will be able to determine if this Agreement has been changed since your previous visit by viewing the “Last Updated” information that appears at the top of this Agreement. Your use of the Site following the posting of an updated Agreement constitutes acceptance of the updated Agreement.

Further, we reserve the right, at any time, to modify or discontinue, temporarily or permanently, the Site (or any part thereof) without notice. You agree that we shall not be liable to you or to any third party for modification, suspension, discontinuance of the Site or of any Materials (as defined below).

FDCPA Disclosure: Nothing in this policy shall permit the disclosure of information to third parties in violation of the Fari Debt Collection Practices Act.

Southwood Financial LLC is a debt collector. This is a communication from a debt collector, and any information obtained may be used for that purpose of collecting a debt.

If you have any questions about this Agreement, please contact us at the following address:

45610 Woodland Road
Suite 440
Sterling, VA 20166
Phone: 888-376-1775

1. Important Notices. We make available the information and materials on the Site (the “Materials”) for general informational purposes only. Further, the Materials are general in nature and may not apply to particular factual or legal circumstances. In addition, unsolicited emails and information sent to us do not create a relationship with us, will not be considered confidential and may be disclosed to others pursuant to our Privacy Policy.

2. Rules of Conduct. You agree to comply with all applicable laws, rules, and regulations in accessing and/or using the Site and/or any Materials. In addition, your use of the Site is conditioned on your compliance with the following rules of conduct. You agree not to:

   • Use the Site for any fraudulent or unlawful purpose.
   • Impersonate any person or entity, including, but not limited to, any Site employee, agent, or representative; falsely state or otherwise misrepresent your identity or your affiliation with any person or entity; or express or imply that we endorse any statement you make.
   • Interfere with or disrupt the operation of the Site.
   • Transmit or otherwise make available in connection with the Site any virus, worm, Trojan Horse, or other harmful code.
   • Restrict or inhibit any other person from using the Site, including by means of hacking or defacing any portion of the Site.
   • Interfere with or violate any other Site visitor’s or user’s right to privacy or other rights, or harvest or collect personally identifiable information about Site visitors or users, or about our attorneys, other employees and representatives identified on the Site, without their express consent.
   • Sell, resell, transfer, license, or exploit, for any commercial purposes, any use of or access to the Site or the Materials.
   • Modify, adapt, translate, reverse engineer, decompile or disassemble any portion of the Site or Materials.
   • Frame or mirror all or any part of the Site without our prior express written authorization.

3. Southwood Financial LLC ‘s Proprietary Rights. You acknowledge and agree that the Site and the Materials are, and shall remain, the property of Southwood Financial LLC and/or its licensors and are protected by copyright, trademark and/or other proprietary rights and laws. Except as expressly authorized in advance by us, you agree not to copy, distribute, transmit, display, perform or create derivative works for the Site or any of the Materials, provided that, subject to your compliance with this Agreement, we do grant you a limited, persona, revocable, non-transferable and non0bus licensable license to (a) access the Site and the Materials via the Internet solely for purposes of viewing such materials, and (b) to print our pages of the Site for your personal, non-commercial use.

4. SMS Terms & Conditions. By providing your mobile phone number and opting in to receive text messages, you expressly consent to receive SMS messages from Southwood Financial LLC regarding your account and related services.

   These messages may include, but are not limited to:

   • Account notifications
   • Payment reminders
   • Payment confirmations
   • Settlement or resolution opportunities
   • Account servicing updates
   • Consumer response follow-ups
   • Customer service communications

5. Message Frequency. Message frequency will vary depending on your account activity and communication preferences.

6. Message and Data Rates. Message and data rates may apply depending on your mobile carrier and service plan. Please contact your wireless carrier for details regarding your messaging plan.

7. Opting Out of SMS Messages. You may opt out of receiving SMS messages from Southwood Financial LLC at any time.

   • To stop receiving messages, reply:
     • STOP, after you send STOP, you will receive a confirmation message that you have been unsubscribed. You will no longer receive SMS messages unless you opt in again.

8. Help and Customer Support.

   • For assistance regarding SMS communications, reply:

     • HELP
     • You may also contact Southwood Financial LLC directly at www.southwood.co or at the address and phone number listed above.

9. Supported Carriers. SMS services are available through most major carriers. However, the Southwood Financial LLC and the participating carriers are not responsible for delayed or undelivered messages. Carrier participation may vary.

10. Opting In. To opt in to SMS messaging, go to www.southwood.co, click on My Account.

Trade names, trademarks, and service marks of Southwood Financial LLC include “” and any associated logos. All trade names, trademarks and service marks on the Site that are not owned by us, or our affiliates are property of their respective owners. The trade names, trademarks and service marks owned by Southwood Financial LLC or its affiliates, whether registered or unregistered, may not be used in connection with any product or service that is not either ours or one of our affiliates’ product or service or in any other manner that is likely to cause confusion or dilution. Nothing on the Site should be construed as granting, by implications, estoppel or otherwise, any right to license to use any of Southwood Financial LLC’s (or its affiliates’) trade names, trademarks, or service marks without our (or the relevant affiliate’s) prior express written permission.

Know Your Rights

This is an attempt to collect a debt by a debt collector; any information obtained will be used for that purpose.

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.

You may request records showing the following: (1) that Southwood Financial, LLC has the right to seek collection of the debt; (2) the debt balance, including an explanation of any interest charges and additional fees; (3) the date of default or the date of the last payment; (4) the name of the charge-off creditor and the account number associated with the debt; (5) the name and last known address of the debtor as it appeared in the charge-off creditor’s or debt buyer’s records prior to the sale of the debt, as appropriate; and (6) the names of all persons or entities that have purchased the debt. You may also request from us a copy of the contract or other document evidencing your agreement to the debt.

A request for these records may be addressed to:
Address: 45610 Woodland Road, Sterling, VA 20166
Phone: (888) 376-1775
E-mail Address: customerservice@southwood.co

California Debt Collection License Number – 11349-99

Colorado Residents

FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE WWW.COAG.GOV/CAR

You have 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.

In-state Residence office: 7200 South Alton Way, Suite B-180, Centennial, Colorado 80112.
Local Phone Number: 303-768-0200
Colorado License Number: CAR-1001002

Connecticut Residents

Connecticut Consumer Collection Agency License Number: CCA-2490252

District of Columbia Residents

If your debt has not been reduced to a judgment by a court, you have the right to request the following information concerning your debt: (1) The name of the original creditor, and the name of any other owners of your debt, including the current owner; (2) Your last account number with the original creditor; (3) A copy of the signed contract, signed application, or other documents which show your obligations; (4) The date that your debt was incurred; (5) The date of your last payment, if applicable; and (6) An itemized accounting of the alleged debt, including the amount of any principal, interest, fees, or charges, and whether the charges were imposed by the original creditor, a debt collector, or other owner of the debt. For credit card or revolving credit accounts, the itemized accounting is measured from the charge-off balance.

If your debt has been reduced to a judgment by a court, you have a right to copy of the judgment, documentation establishing that the debt collector is the owner of the judgment, and an itemized accounting of the current balance due on the judgment.

You may request the above information by contacting us by phone, mail, or email, at the following:

Address: 45610 Woodland Road, Sterling, VA 20166
Phone: (888) 376-1775
E-mail Address: customerservice@southwood.co

Si su deuda no ha sido reducida a sentencia judicial, tiene derecho a solicitar la siguiente información sobre su deuda:

(1) El nombre del acreedor original, y el nombre de cualquier otro propietario de su deuda, incluido el propietario actual; (2) Su último número de cuenta con el acreedor original; (3) Una copia del contrato firmado, solicitud firmada u otros documentos que demuestren sus obligaciones; (4) La fecha en que se contrajo su deuda; (5) La fecha de su último pago, si corresponde; (6) El detalle de la presunta deuda, en donde se incluya el monto de cualquier capital, intereses, comisiones o cargos, y si los cargos los impuso el acreedor original, un cobrador de deudas u otro propietario de la deuda. En el caso de cuentas de tarjeta de crédito o crédito rotativo, el detalle se mide a partir del saldo incobrable. Si un tribunal ha dictado sentencia con respecto a su deuda, usted tiene derecho a recibir una copia de la sentencia, una documentación en donde se establezca que el cobrador de la deuda es el propietario de la resolución y un detalle del saldo actual a pagar según la resolución.

Para solicitar la información que antecede, puede comunicarse con nosotros por teléfono, correo postal o correo electrónico de la siguiente dirección:

Dirección: 45610 Woodland Road, Sterling, VA 20166
Teléfono: (888) 376-1775
Correo electrónico: customerservice@southwood.co

You might have income or resources that are protected from being taken by debt collectors. These might include certain sources of income, funds, or property, including, but not limited to, Social Security, Supplemental Security Income (SSI), disability or unemployment benefits, veteran’s benefits, or child support payments. If you believe your property or income may be protected, you may wish to seek legal advice, including at a legal services provider or legal aid office, before paying this debt.

Hawaii Residents

The Hawaii Department of Commerce and Consumer Affairs licenses Southwood Financial LLC; our license number is COLAX-1254

Massachusetts Residents

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 only for 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 Southwood Financial LLC, 45610 Woodland Road, Sterling, VA 20166 or by email at customerservice@southwood.co. 

Minnesota Residents

Southwood Financial, LLC is licensed by the Minnesota Department of Commerce: our license number is 40887582. The Minnesota Student Loan Servicer license number is MN-SLS-2490252.

MN Credit Counseling Services: https://mn.gov/commerce-stat/pdfs/2023_credit_counseling_all.pdf

New York Residents

Debt collectors, in accordance with the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq., are prohibited from engaging in abusive, deceptive, and unfair debt collection efforts, including but not limited to: (i) the use or threat of violence; (ii) the use of obscene or profane language; and (iii) repeated phone calls made with the intent to annoy, abuse, or harass.

We are required by law to give you the following information: If a creditor or debt collector receives a money judgment against you in court, state and federal laws may prevent the following types of income from being taken to pay the debt: 1. Supplemental security income, (SSI); 2. Social security; 3. Public assistance (welfare); 4. Spousal support, maintenance (alimony) or child support; 5. Unemployment benefits; 6. Disability benefits; 7. Workers’ compensation benefits; 8. Public or private pensions; 9. Veterans’ benefits; 10. Federal student loans, federal student grants, and federal work study funds; and 11. Ninety percent of your wages or salary earned in the last sixty days.

You have the right to request written communications from us in a larger print format. If you would like to receive future written communications in a larger print size. You may make this request by
Mail: 45610 Woodland Road, Sterling, VA 20166
Phone: (888) 376-1775
E-mail Address: customerservice@southwood.co

Currently, we are only able to accommodate requests for large print and do not offer Braille or audio versions of communications.

New York City Residents

We do not provide language access services or translation of any communications into a language other than English. A translation and description of commonly used debt collection terms is available in multiple languages on the New York City Department of Consumer Affairs website, www.nyc.gov/dca. 

New York City License Number: 2121364-DCWP

City of Buffalo Residents

City of Buffalo License Number: CAG24-10068527

North Carolina Residents

Southwood Financial, LLC is licensed by the North Carolina Department of Insurance; permit number 521629470.

45610 Woodland Road
Sterling, VA 20166
Permit Number: CA104510