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Terms & Conditions

Terms & Conditions

Reliable Recovery Services
Effective Date: March 5, 2025

These Terms govern your use of services provided by us and any interaction with our representatives, website, digital platforms, or communication systems. By engaging with our services, you agree to be bound by these Terms.


1. About Our Services

Reliable Recovery Services is a debt collection agency providing services on behalf of creditors and businesses. Our services include:

  • Communicating with consumers regarding outstanding accounts

  • Processing payments

  • Providing account information

  • Facilitating debt resolution, subject to creditor approval

We are not a law firm and do not provide legal advice.


2. Compliance With Debt Collection Laws

We follow all applicable laws and regulations, including:

  • Fair Debt Collection Practices Act (FDCPA)

  • Fair Credit Reporting Act (FCRA)

  • State-specific debt collection laws

  • Telephone Consumer Protection Act (TCPA)

  • Applicable privacy regulations

You agree not to use our communications or website for any unlawful purpose.


3. Consumer Responsibilities

By interacting with us, you agree to:

  • Provide accurate and truthful information

  • Notify us promptly of changes to your contact information

  • Make payments only through approved and secure channels

  • Refrain from abusive, threatening, or fraudulent behavior

You may request verification of your debt at any time as permitted by law.


4. Communication Consent

By providing your contact information, you consent to receiving communications from us, including:

  • Phone calls

  • Voicemails

  • SMS messages

  • Emails

  • Postal mail

We will never use abusive, harassing, or unlawful communication practices.
You may revoke consent to certain communications as permitted by law.


5. Payment Terms

Payments made to satisfy outstanding accounts are subject to the following:

A. Authorization

By submitting payment, you confirm that:

  • You are authorized to use the payment method

  • The information provided is accurate

B. Returned or Failed Payments

Returned or declined payments may result in:

  • Additional processing fees (as allowed by law)

  • Temporary payment holds

  • Reversal of payment arrangements

C. Payment Arrangements

Any payment arrangement or settlement is not final until confirmed in writing.


6. No Legal Advice

Information provided by our agents, website, or materials:

  • Is intended for debt resolution and account-related purposes

  • Should not be interpreted as legal, financial, or tax advice

For legal assistance, consult a licensed attorney.


7. Website & Digital Use

If you use our website or digital services, you agree:

A. Acceptable Use

You will not:

  • Attempt to gain unauthorized access to systems or data

  • Use bots, scrapers, or harmful code

  • Misrepresent your identity

  • Violate intellectual property rights

B. Accuracy of Information

We strive for accuracy, but we do not guarantee:

  • Website uptime

  • Error-free content

  • Complete or current information


8. Privacy and Data Protection

Your information is handled in accordance with our Privacy Policy, which explains:

  • What data we collect

  • How we use it

  • How we protect it

  • Your privacy rights

By interacting with us, you acknowledge and agree to our Privacy Policy.


9. Third-Party Services

We may partner with third-party service providers (e.g., payment processors).
We are not responsible for the content, accuracy, or security of third-party sites or services.
Use of third-party platforms is at your own risk and subject to their policies.


10. Limitation of Liability

To the fullest extent permitted by law:

  • We are not liable for damages arising from your use of our services, including indirect, incidental, punitive, or consequential damages.

  • We do not guarantee any specific outcome or settlement terms, as decisions are often made by the creditor.

Nothing in this section limits rights afforded to you under federal or state debt collection laws.


11. Indemnification

You agree to indemnify and hold harmless [Your Company Name], its employees, agents, and affiliates from any claims, losses, or damages arising out of:

  • Your breach of these Terms

  • Your misuse of our services

  • Your violation of any law or rights of a third party


12. Governing Law

These Terms are governed by the laws of the State of [Your State], without regard to conflict-of-law principles.

Any disputes shall be resolved in the appropriate courts located in [Your County/State], unless otherwise required by consumer protection laws.


13. Changes to These Terms

We may update these Terms at any time.
Updates become effective upon posting to our website or upon notification to you.

Your continued use of our services constitutes acceptance of the updated Terms.

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