How to Deal with Difficult Debtors: Tips and Tactics

This web page represents a legal document that serves as our Terms of Service and it governs the legal terms of our website, resolvedebt.co, sub-domains, and any associated web-based and mobile applications (collectively, “Website”), as owned and operated by Resolve Debt, LLC. Capitalized terms, unless otherwise defined, have the meaning specified within the Definitions section below. This Terms of Service, along with our Privacy Policy, Payment Terms, any mobile license agreement, and other posted guidelines within our Website, collectively “Legal Terms”, constitute the entire and only agreement between you and Resolve Debt, LLC., and supersede all other agreements, representations, warranties and understandings with respect to our Website and the subject matter contained herein. We may amend our Legal Terms at any time without specific notice to you. The latest copies of our Legal Terms will be posted on our Website, and you should review all Legal Terms prior to using our Website. After any revisions to our Legal Terms are posted, you agree to be bound to any such changes to them. Therefore, it is important for you to periodically review our Legal Terms to make sure you still agree to them. By using our Website, you agree to fully comply with and be bound by our Legal Terms. Please review them carefully. If you do not accept our Legal Terms, do not access and use our Website. If you have already accessed our Website and do not accept our Legal Terms, you should immediately discontinue use of our Website. The last update to our Terms of Service was posted on August 18, 2022.

Definitions

The terms “us” or “we” or “our” refers to Resolve Debt, LLC., the owner of the Website.
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A “Visitor” is someone who merely browses our Website, but has not registered as Member.
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A “Member” is an individual that has registered with us to use our Service.
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Our “Service” represents the collective functionality and features as offered through our Website to our Members.
A “User” is a collective identifier that refers to either a Visitor or a Member.
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All text, information, graphics, audio, video, and data offered through our Website are collectively known as our “Content”.

Legal Compliance

Our Website may contain our service marks or trademarks as well as those of our affiliates or other companies, in the form of words, graphics, and logos. Your use of our Website does not constitute any right or license for you to use such service marks/trademarks, without the prior written permission of the corresponding service mark/trademark owner. Our Website is also protected under international copyright laws. The copying, redistribution, use or publication by you of any portion of our Website is strictly prohibited. Your use of our Website does not grant you ownership rights of any kind in our Website.

Links to Other Websites

Our Website may contain links to third party websites. These links are provided solely as a convenience to you. By linking to these websites, we do not create or have an affiliation with, or sponsor such third party websites. The inclusion of links within our Website does not constitute any endorsement, guarantee, warranty, or recommendation of such third party websites. Resolve Debt, LLC. has no control over the legal documents and privacy practices of third party websites; as such, you access any such third party websites at your own risk.

General Terms

Our Legal Terms shall be treated as though it were executed and performed in WY, USA, and shall be governed by and construed in accordance with the laws of WY, USA, without regard to conflict of law principles. In addition, you agree to submit to the personal jurisdiction and venue of such courts. Any cause of action by you with respect to our Website, must be instituted within one (1) year after the cause of action arose or be forever waived and barred. Should any part of our Legal Terms be held invalid or unenforceable, that portion shall be construed consistent with applicable law and the remaining portions shall remain in full force and effect. To the extent that any Content in our Website conflicts or is inconsistent with our Legal Terms, our Legal Terms shall take precedence. Our failure to enforce any provision of our Legal Terms shall not be deemed a waiver of such provision nor of the right to enforce such provision. The rights of Resolve Debt, LLC. under our Legal Terms shall survive the termination of our Legal Terms.

ResolveDebt will retain your personal information for the period required to fulfill our services, meet our contractual obligations, and as required by law.  When assessing these periods we only retain it for the shortest possible period unless a longer retention period is required by law. Access to Personal Information
You can help ensure that your contact information and preferences are accurate, complete, and up to date. You can view your account information through any of the links in a ResolveDebt email.
To request that we correct the data, if it is inaccurate, email support@resolvedebt.co or call 1-800-580-4191. You can also request we delete the data if we are not required to retain it for legitimate business purposes or by law.

Personal Information We Collect

Personal identification information is data that can be used to identify or contact you. In order to provide and improve our services, we collect personal information. Most of the information we have is provided to us by the creditor and/or collected directly through the use of our services, emails, web applications, and phone calls. If you apply for a job at ResolveDebt or sign up for our newsletters, webinars or any of our client-directed resources, we collect the information you provide on the forms.Here are some examples of the types of personal information ResolveDebt may collect and how we use it:

• When an account is added to ResolveDebt the creditor provides a variety of information including, but not limited to: full name, date of birth, social security number, phone number, address, email address, account number, original creditor, current creditor, balance, payment history.

• We may collect any information that you provide to us directly whether you contact us by phone, email, sms, web applications, or other channel. For example, when you access Resolve Debt web applications and fill out a form or sign up for a payment plan and provide information such as your first and last name, email address, mailing address, phone number, credit card information and/or other personal identifying information.

• When you access ResolveDebt URL links, emails or our web applications we may collect a variety of information and store it in log files, including, but not limited to Internet Protocol (IP) address, browser type and language, Internet service provider (ISP), type of computer, operating system, date/time stamp, user interface interaction data (such as, but not limited to, any mouse clicks or navigation on our emails and web applications), uniform resource locator (URL) information (showing where you came from or where you go to next), email open rates, credit card, bank account information.

Using Personal Information

We use personal information to properly identify the specific consumers for whom we provide our services, to provide and improve our services, to analyze trends, administer our web applications, learn about user behavior on our emails and web applications, to comply with state, federal and local laws and to demonstrate compliance with those laws.
Here are some examples of how ResolveDebt uses personal information:

• We use personal information to send you communications about your account.

• We use your personal information to verify your identity. For example, when you contact our office you will be asked to provide your personal information so that we can verify your identity and account. We may ask you to provide your full name, address, email address, or other identifying information. You can always refuse to supply personal information, except that we may not be able to communicate if we are unable to verify your identity and/or account.

• We use personal information to process payments and other account activity you authorize.

• We use personal information to help us create, develop and improve our content and services, including through internal auditing and data analysis.

• If you apply for a job at Resolve Debt we use the information we receive to evaluate your candidacy and contact you.

• If you sign up for a webinar, request a demo, or fill out one of our forms, we may reach out to you to sell our services.

In all of our emails we use pixel tags. Depending on your email provider, pixel tags can enable us to tell us whether the email has been opened. If you prefer not to be tracked in this way, you should not open our emails.
In most of our email messages, we use a “click-through URL” linked to webpages on the arrears.com site and some linked to web pages on third party sites (see Third Party Websites below). We track this click-through data to help us determine interest in particular topics, measure the effectiveness of our customer communications, and send you emails related to your activity on our website. If you prefer not to be tracked in this way, you should not click text or graphic links in the email messages.
Resolve Debt’s web applications may also use cookies to gather information so that we can improve the effectiveness of our services. You may choose to set your web browser to refuse cookies or to alert you when cookies are being sent but some parts of the website may not function properly without accepting cookies.
Resolve Debt web applications do not recognize or act on “do not track” requests from a browser. The information we receive through tracking is treated as non-personal information unless local law requires we treat it as personal information. Additionally, if this information is combined with personal information, we treat the combined information as personal information for the purposes of this Privacy Policy.

Sources of Personal Information

We received your personal information from the party placing your account with Resolve Debt for services, such as the creditor, current creditor or servicer.
We also receive information from you directly either through a phone call, email correspondence and/or through visits to our web applications. We also sometimes receive information from third party vendors who help us confirm the validity of our information as it relates to address, phone number, bankruptcy, and deceased information.
If you are a potential candidate for employment with Resolve Debt, we may have received your personal information from a recruiter or external website. If you are a potential client and have expressed interest in Resolve Debt’s services or we think you have a legitimate business need for our services, we may have received your information from a lead-generation service or external website such as Zoominfo.

Disclosure to Third Parties

We only share personal information with a limited number of third party service providers who help us provide our services, including, but not limited to, payment processing, mailing, information verification, managing and enhancing customer data, improving our product and services.  When we share information, we require those third parties to handle it in accordance with relevant laws. If you so authorize, we also may share your email or other information you permit with our affiliates.
When sharing we only share the minimum amount of information necessary for the particular third party to assist us in providing our services. Here are some examples of how ResolveDebt shares personal information:

• For payment processing, we share your credit card or bank information to the card-issuing bank to complete the payment you authorized.

• For content delivery, we share your email address, physical address, or phone number with the delivery service to deliver any communication, message, or requested account documents.

• For collectibility, we share name and address to ensure no bankruptcy, deceased, address or phone number changes have occurred since we received the account.

• For licensed debt collectors, we may be required to share account information with state regulators conducting an audit pursuant to state or federal licensing statutes.

• After your authorization, we share your email with our affiliates who may email you about their products and services.

• We may be occasionally required by law enforcement or judicial authorities to provide information. We will disclose personal information pursuant to a court order, subpoena, or to cooperate with a law enforcement investigation.

We may also be required by law to provide your information to a local, state or federal government authority or court. We will only disclose information in these instances when there is a lawful basis or if disclosure is reasonably necessary to demonstrate compliance with the law.
In the event of a reorganization, merger or sale we may transfer any and all personal information we collect to the relevant third party.
We may share generic aggregated demographic information not linked to any personally identifiable information with our clients, potential clients, and federal, state and local regulators regarding visitors and users, and their interaction with our products and services.

No Sale

We do not sell personal information. We do not allow our third-party service providers to sell this information or otherwise use it for marketing purposes.

Integrity and Retention of Personal Information

ResolveDebt will retain your personal information for the period required to fulfill our services, meet our contractual obligations, and as required by law.  When assessing these periods we only retain it for the shortest possible period unless a longer retention period is required by law. Access to Personal Information
You can help ensure that your contact information and preferences are accurate, complete, and up to date. You can view your account information through any of the links in a ResolveDebt email.
To request that we correct the data, if it is inaccurate, email support@resolvedebt.co or call 1-800-580-4191. You can also request we delete the data if we are not required to retain it for legitimate business purposes or by law.

How We protect your information

Resolve Debt is serious about data security. We recognize the importance of maintaining the security of our customers’ personal information and use reasonable security measures, including physical, administrative, and technical safeguards. These measures may include physical and technical security access controls or other safeguards, information security technologies and policies, procedures to help ensure the appropriate disposal of information, and training programs. For example, ResolveDebt protects your personal information during transit using encryption such as Transport Layer Security (TLS) and at rest using encryption such as AES 256. When your personal data is stored by Resolve Debt, we use computer systems with limited access housed in facilities using physical security measures.
Unfortunately, no data transmission over the internet or any wireless network can be guaranteed to be 100 percent secure. While we strive to protect your information, you acknowledge that by continued use of our site there are certain security and privacy limitations beyond our control, and that the security, integrity, and privacy of any and all information exchanged between Resolve Debt and our customers over the internet cannot be fully guaranteed from being viewed or tampered with in transit by a determined third party.

Third Party Websites

You may find links to third party websites on the Resolve Debt web applications. We do not control the content or links that appear on these sites and are not responsible for the practices employed by websites linked to or from our site. In addition, these sites or services, including their content and links, may be constantly changing. These sites and services may have their own privacy policies and customer service policies. Browsing and interaction on any other website is subject to that website’s own terms and policies.

How We Delete

We are required to keep your data due to the underlying contractual relationship debtors and the creditors. We are also required to keep the personal information for legal reasons for as long as the statute of limitations period lasts for the type of account in collections and for other statutory obligations which sometimes are longer (such as a state licensing statute requiring us to maintain records for a certain period of time or the statute of limitations for a consumer financial law). Once our legal obligation to keep your personal information has expired, we delete the information from our systems in accordance with our data retention policies and procedures.

Contacting Us

If You have any questions about this Privacy Policy please contact ResolveDebt:
Email: support@resolvedebt.co
Phone: 1-800-580-4191
California Consumer Privacy Act
Requests to Know or Delete
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For California consumers email support@resolvedebt.co or call 1-800-580-4191 to exercise your rights.

Direct Creditor Requests

Information concerning how you can exercise your rights directly with the creditor or current creditor of your account can be found here.

Resolve E-Sign Consent

Last updated: August, 10, 2022

Resolve Debt, LLC. and its affiliates and third party service providers (“Resolve”) may need to provide you with certain communications, notices, agreements, billing statements, or disclosures in writing (“Communications”) regarding our Services. Your agreement to this E-sign Consent confirms your ability and consent to receive Communications electronically from Resolve, its affiliates, and its third party service providers, rather than in paper form, and to the use of electronic signatures in our relationship with you (“Consent”). If you choose not to agree to this Consent or you withdraw your consent, you may be restricted from using the Services.
Electronic Delivery of Communications and Use of Electronic Signatures
Under this Consent, Resolve may provide all Communications electronically by email, by text message, or by making them accessible via Resolve websites or applications. Communications include, but are not limited to, (1) agreements and policies required to use the Services (e.g. this Consent, the Resolve Privacy Notice, the Resolve Seller Agreement, the Resolve Commercial Entity Agreement, and the Resolve Cash Agreement), (2) payment authorizations and transaction receipts or confirmations, (3) account statements and history, (4) and all federal and state tax statements and documents. We may also use electronic signatures and obtain them from you.

System Requirements

To access and retain the electronic Communications, you will need the following:
- A computer or mobile device with Internet or mobile connectivity.
- For desktop website-based Communications:
- Recent web browser that includes 256-bit encryption;
- The browser must have cookies enabled. Use of browser extensions may impair full website functionality; and
- Minimum recommended browser standards are the most recent versions of Mozilla Firefox (see http://www.mozilla.com for latest version), Apple Safari (see http://www.apple.com/safari for latest version), or Google Chrome (see http://www.google.com/chrome for latest version).
For application-based Communications:
- A recent device operating system that supports text messaging, downloading, and applications from the Apple App Store or Google Play store; and
- The most recent versions of Apple Safari or Google Chrome on iOS or Google Chrome for Android OS.
- Access to the email address used to create an account for Resolve Services.
- Sufficient storage space to save Communications and/or a printer to print them.
- If you use a spam filter that blocks or re-routes emails from senders not listed in your email address book, you must add noreply@messaging.resolvedebt.co to your email address book.

Paper Delivery of Communications

You have the right to receive Communications in paper form. To request a paper copy of any Communication at no charge, please write to Resolve Debt, LLC.,1309 Coffeen Avenue STE 5190 Sheridan, Wyoming 82801, USA, Attn: Customer Support - Legal (“Resolve Address”) within 180 days of the date of the Disclosure, specifying in detail the Communication you would like to receive. For the avoidance of doubt, requesting a paper copy of any Communication, in and of itself, will not be treated as withdrawal of consent to receive electronic Communications.

Withdrawal of Consent to Electronic Communications

You may withdraw your consent to receive electronic Communications at any time, by writing to the Resolve Address. However, withdrawal of your consent to receive electronic Communications may result in termination of your access to Services. Any withdrawal of your consent will be effective after a reasonable period of time for processing your request, and Resolve will confirm your withdrawal of consent and its effective date in writing (either electronically or in paper form).

Updating Your Email Address

You can change your email address by writing to the Resolve Address. You may also be able to change your email address yourself through the Services.