Privacy Policy

Effective Date: 01-05-2025
Last Updated: 01-05-2025

Debt Recovery Firm (“we,” “us,” or “our”) is committed to protecting the privacy and security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information in accordance with applicable U.S. federal and state laws, including the California Consumer Privacy Act (CCPA) and the Gramm-Leach-Bliley Act (GLBA).

1. Information We Collect

We may collect the following categories of personal information:

2. How We Collect Information

We collect personal information from the following sources:

• Information you provide directly (e.g., through forms, phone calls, emails)
• Information received from original creditors, financial institutions, or service providers
• Cookies and similar technologies when you use our website
• Publicly available sources
• Credit bureaus and data providers, where permitted

3. How We Use Your Information

We use your personal information to:

• Verify your identity
• Collect and manage outstanding debts
• Communicate with you regarding your account
• Respond to inquiries or requests
• Comply with legal and regulatory obligations
• Improve our services and website performance

4. How We Share Your Information

We may share your information with:

• Original creditors or account owners
• Credit reporting agencies (as permitted by law)
• Collection attorneys or third-party service providers (e.g., mailing, technology support)
• Government agencies or regulators when required by law
• Our internal employees and authorized agents with a legitimate need

We do not sell your personal information.

5. Data Security and Retention

We implement industry-standard administrative, technical, and physical safeguards to protect your personal data. This includes encrypted storage, access controls, and secure communication protocols.

We retain your information only for as long as necessary to fulfill the purposes outlined in this policy and to comply with applicable legal obligations.

6. Your Rights (CCPA & Other State Laws)

If you are a resident of California or another state with consumer privacy laws, you may have the following rights:

• Right to Know – You may request information about the categories and specific pieces of personal information we collect.
• Right to Delete – You may request that we delete personal information we’ve collected from you (subject to exceptions).
• Right to Opt-Out of Sale – We do not sell personal data; however, you may contact us for additional verification.
• Right to Non-Discrimination – We will not discriminate against you for exercising any privacy rights.

To exercise any of these rights, please contact us using the information below.

7. Contact Us

If you have questions or concerns about this Privacy Policy or wish to submit a privacy-related request, please contact:

Debt Recovery Firm
Email: info@debtrecoveryfirm.com
Mailing Address: 1030 North Meridian Street, Suite 225, Carmel, IN 46290, United States

Terms and Conditions

Effective Date: 01-05-2025
Last Updated: 01-05-2025

Welcome to Debt Recovery Firm (“we,” “our,” or “us”). These Terms and Conditions (“Terms”) govern your use of our website and any services offered by us, including but not limited to debt collection communications, account resolution, and customer support.

By accessing or using our services, you agree to be bound by these Terms. If you do not agree, please do not use our website or services.

1. Services and Definitions

“Services” refer to all debt recovery-related services provided by Debt Recovery Firm, including but not limited to account resolution, debtor communication, dispute handling, and third-party collections.

Our services are provided to clients (creditors) and accessed by debtors (consumers or businesses with outstanding obligations). We are not a credit repair agency, financial advisor, or law firm, and our services are not to be interpreted as legal advice.

2. User Responsibilities

You agree to:

• Use our services only for lawful purposes
• Provide accurate and complete information when interacting with us
• Not impersonate another person or misrepresent your identity
• Not use our services in a manner that violates any applicable law, regulation, or third-party rights

You may not:

• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt our platform or servers
• Use our services to harass or abuse our employees or other users

3. Disclaimer of Liability

To the fullest extent permitted by law:

• No Warranties: Our services are provided “as is” and “as available,” without warranties of any kind, either express or implied.
• No Liability for Damages: Debt Recovery Firm shall not be liable for any indirect, incidental, punitive, or consequential damages arising out of your use or inability to use the services.
• No Guarantee of Outcomes: We do not guarantee successful debt resolution or account outcomes.

4. Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of Indiana, without regard to its conflict of law principles.

Any disputes arising from or relating to these Terms or your use of our services will be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. The arbitration will take place in Carmel, Indiana. You waive any right to bring claims as part of a class action or consolidated proceeding.

5. Intellectual Property Rights

All content on our website—including text, graphics, logos, images, and software—is the property of Debt Recovery Firm or its licensors and is protected by intellectual property laws. You may not copy, reproduce, or distribute any content without our prior written consent.

6. Termination

We reserve the right to:

• Suspend or terminate your access to the services at any time, without notice, for conduct that we believe violates these Terms or is harmful to our interests
• Modify or discontinue any part of the website or services without liability

7. Modifications

We may update these Terms from time to time. When we do, the revised Terms will be posted with an updated effective date. Continued use of the services after any changes constitutes your acceptance of the new Terms.

8. Contact Us

If you have any questions or concerns regarding these Terms, please contact:

Debt Recovery Firm
Email: info@debtrecoveryfirm.com
Mailing Address: 1030 North Meridian Street, Suite 225, Carmel, IN 46290, United States

FDCPA Disclosure

Effective Date: 01-05-2025

Debt Recovery Firm is a debt collector. This is a communication from a debt collector. Any information obtained will be used for the purpose of collecting a debt.

We are committed to full compliance with the Fair Debt Collection Practices Act (FDCPA) and other applicable consumer protection laws. The FDCPA is a federal law that limits the behavior and actions of third-party debt collectors when attempting to collect debts on behalf of another person or entity.

Your Rights Under the FDCPA

As a consumer, you are entitled to certain rights, including but not limited to:

• Right to Validation: You have the right to request verification of the debt. If you do so in writing within 30 days of receiving our first communication, we will provide information verifying the debt.
• Right to Dispute: If you believe you do not owe the debt or believe there is an error, you have the right to dispute all or part of the debt in writing within 30 days. We will cease collection efforts until we provide verification.
• Right to Cease Communication: You may request that we stop contacting you. Upon such request, we will cease communications except to inform you of specific actions we may take or are required to take.
• Right to Be Free from Harassment: We will not harass, threaten, or use abusive language in our communications. We will not call before 8:00 a.m. or after 9:00 p.m. in your local time zone without your permission.

How to Dispute a Debt

If you would like to dispute a debt or request verification, you may contact us in writing at:

Debt Recovery Firm – Disputes Department
Email: disputes@debtrecoveryfirm.com

Please include your full name, contact information, and any relevant account or reference numbers.

Important Notice

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

Electronic Communications Disclosure and Consent (E-Sign Act Consent)

Effective Date: 01-05-2025

This disclosure outlines your rights when receiving disclosures, agreements, notices, and other communications from Debt Recovery Firm electronically. By proceeding to use our services or submit information through our website or digital channels, you consent to the use of electronic records and signatures under the E-SIGN Act (15 U.S.C. § 7001 et seq.).

1. Legally Binding Electronic Communications

By providing your consent, you agree that:

• All documents and communications we provide to you electronically—including payment notices, account updates, disclosures, legal documents, and agreements—have the same legal effect as if provided in hard copy.
• Your electronic signature or acknowledgment (e.g., checking a box, typing your name, or clicking “I Agree”) carries the same validity and enforceability as your handwritten signature.

2. Consent to Receive Disclosures Electronically

You specifically agree to receive:

• Debt notices and settlement offers
• Disclosures required by the Fair Debt Collection Practices Act (FDCPA) or other applicable federal/state regulations
• Payment confirmations or reminders
• Updates to our Terms & Conditions or Privacy Policy
• Any legally required communications

You may withdraw your consent at any time by contacting us in writing at the details provided below. If you withdraw consent, we may discontinue your access to digital services and resume paper-based communications.

3. Hardware and Software Requirements

To access and retain electronic communications, you will need:

• A device with an internet connection
• A current version of a web browser (e.g., Chrome, Firefox, Safari)
• An active email account
• The ability to view and retain documents in PDF format (Adobe Acrobat Reader or equivalent)
• Access to a printer or storage device to retain copies

If these requirements change, we will notify you and give you an opportunity to withdraw your consent without penalty.

4. Paper Copies

You may request a paper copy of any document at no charge by contacting us using the information below. We do not automatically send paper copies unless legally required.

5. Updating Your Contact Information

It is your responsibility to keep your email address and other contact information current. You can update your information by contacting us at:

Debt Recovery Firm – Compliance Department
Email: compliance@debtrecoveryfirm.com
Mailing Address: 1030 North Meridian Street, Suite 225, Carmel, IN 46290, United States

6. Consent Acknowledgment

By using our website or services and affirmatively accepting this policy (e.g., by clicking “I Agree”), you acknowledge:

• You have access to the necessary hardware and software.
• You have read and understand this disclosure.
• You consent to receive electronic communications and disclosures from us.

Cookie Policy / Notice

Effective Date: 01-05-2025
Last Updated: 01-05-2025

Debt Recovery Firm (“we,” “our,” or “us”) uses cookies and similar tracking technologies on our website to enhance your experience, analyze site traffic, and serve relevant content. This Cookie Policy explains what cookies are, which ones we use, and how you can control them.

1. What Are Cookies?

Cookies are small text files stored on your device when you visit a website. They help websites remember your preferences, login details, and browsing activity for future visits.

2. Types of Cookies We Use

3. Consent Mechanism

By continuing to use our website, you consent to the placement of cookies on your device as described in this policy.

You may see a cookie banner or popup to manage preferences, depending on your location or legal requirements.

4. Managing Your Cookie Preferences

You can control or delete cookies through your browser settings:

• Browser Settings: You can block or delete cookies in your browser (e.g., Chrome, Safari, Firefox).
• Opt-Out Tools: You can opt out of Google Analytics tracking via Google’s opt-out browser add-on.
• Do Not Track (DNT): Our website currently does not respond to “Do Not Track” signals.

Please note that disabling some cookies may affect the functionality of certain parts of the site.

5. Updates to This Policy

We may update this Cookie Policy as technology or regulations change. We encourage you to review it periodically.

6. Contact Us

For questions about our use of cookies or this Cookie Policy, contact:

Debt Recovery Firm – Privacy Office
Email: info@debtrecoveryfirm.com
Mailing Address: 1030 North Meridian Street, Suite 225, Carmel, IN 46290, United States

Accessibility Statement

Effective Date: 01-05-2025
Last Updated: 01-05-2025

Debt Recovery Firm is committed to ensuring that our website and services are accessible to all individuals, including those with disabilities. We strive to comply with the Americans with Disabilities Act (ADA), Section 508 of the Rehabilitation Act, and Web Content Accessibility Guidelines (WCAG) 2.1 Level AA standards wherever reasonably possible.

1. Our Commitment

We are actively working to enhance the accessibility of our digital content so that users with disabilities can:

• Navigate our website using assistive technologies (e.g., screen readers, keyboard navigation)
• Access information in a clear and readable format
• Interact with forms and digital tools without undue barriers

2. Ongoing Efforts

Our accessibility efforts include:

• Regular audits and updates to meet WCAG standards
• Alternative text for images and descriptive links
• Logical HTML structure and clear heading hierarchy
• Sufficient contrast for readability
• Ongoing employee training on digital accessibility

3. Known Limitations

While we work diligently to make our entire site accessible, some content may not yet be fully adapted to the strictest accessibility standards. This may be due to:

• Third-party plugins or tools
• Legacy documents or interfaces currently under review

We are actively working to resolve these limitations as part of our continuous improvement process.

4. Need Help? Contact Us

If you experience any difficulty accessing content or require assistance, we want to hear from you. Please contact us, and we’ll do our best to accommodate your needs promptly.

Accessibility Coordinator
Debt Recovery Firm
Email: info@debtrecoveryfirm.com
Mailing Address: 1030 North Meridian Street, Suite 225, Carmel, IN 46290, United States

5. Feedback Welcome

We value accessibility feedback and are always seeking ways to improve. Please let us know how we can make our website more accessible for you.

Disclaimer

Effective Date: 01-05-2025
Last Updated: 01-05-2025

The information provided on this website by Debt Recovery Firm (“we,” “us,” or “our”) is for general informational purposes only. By using our website or services, you acknowledge and agree to the terms outlined in this Disclaimer.

1. No Legal Advice

Nothing on this website constitutes or is intended to constitute legal advice, nor does it establish any attorney-client relationship. You should consult a licensed attorney for advice regarding your specific legal situation. Any reliance you place on information from this site is strictly at your own risk.

2. No Guarantees of Recovery or Settlement

Debt recovery outcomes depend on numerous factors, including but not limited to:

• The debtor’s financial status
• Legal limitations (e.g., statutes of limitation)
• The age and validity of the debt

We do not guarantee the successful recovery, resolution, or settlement of any particular account.

3. Variable Timelines

Timeframes for debt resolution vary based on individual case circumstances, jurisdictional constraints, and debtor responsiveness. While we strive for timely results, no fixed timeline is guaranteed.

4. Third-Party Links and Content

Our website may contain links to third-party websites or services. These are provided for convenience only. We do not endorse or assume responsibility for the accuracy or legality of content on third-party platforms.

5. Limitation of Liability

To the fullest extent permitted by law, Debt Recovery Firm disclaims all liability for any direct, indirect, incidental, or consequential damages resulting from the use of—or inability to use—our website or services.

6. Changes to This Disclaimer

We reserve the right to modify this Disclaimer at any time. Updates will be reflected with a new effective date. Continued use of the site constitutes acceptance of any revised terms.

7. Contact Us

For questions about this Disclaimer or any concerns regarding your use of our site, please contact:

Debt Recovery Firm – Legal Department
Email: legal@debtrecoveryfirm.com
Mailing Address: 1030 North Meridian Street, Suite 225, Carmel, IN 46290, United States

State-Specific Licensure & Consumer Rights Disclosure

Effective Date: 01-05-2025
Last Updated: 01-05-2025

Debt Recovery Firm operates in compliance with federal and state debt collection laws. Certain states require specific consumer disclosures and local notices. If you reside in California, New York, Nevada, North Carolina, or Massachusetts, please review your rights below.

Note: Addresses listed below are required for regulatory disclosures and will be updated accordingly. Contact us using the general information at the bottom of this page for direct assistance.

California Residents

This communication is from a debt collector. Any information obtained will be used for the purpose of collecting a debt.
Under the Rosenthal Fair Debt Collection Practices Act, California residents have the right to request validation of debt and dispute amounts owed.

California License Number: XXXXXXXXXXXXX

New York Residents

You have the right to request:

• All communications in your preferred language (currently supported: English)
• The name and address of the original creditor
• An itemized accounting of your debt

NYC Department of Consumer and Worker Protection License Number: XXXXXXXXXXXXX

Nevada Residents

Nevada residents may request:

• The name and address of the original creditor
• A copy of any written contract or agreement (if applicable)

North Carolina Residents

We comply with the North Carolina Collection Agency Act. You have the right to request validation of any debt within 30 days of initial contact.

Massachusetts Residents

Required Office Hours Disclosure:
Monday through Friday: 9:00 a.m. – 6:00 p.m. EST
Calls will not be placed before 8:00 a.m. or after 9:00 p.m.

General Contact Information for All States

If you have questions about your rights, want to dispute a debt, or need to request written documentation, contact:

Debt Recovery Firm – Compliance Department
Email: info@debtrecoveryfirm.com