These terms and conditions of use (“Terms of Use”) govern your use of our online interfaces and properties (e.g., websites and mobile applications) owned and controlled by Creditor Advocates Inc (“Creditor Advocates”), including, but not limited to, creditoradvocates.com, capayonline.com, portal.capayonline.com, or any subdomain websites (collectively, the “Website”), and your use of its associated communication channels including, but not limited to, email, text messaging, chat, and automated phone system technology (collectively, "Digital Communications"). The content on creditoradvocates.com is intended for our Business Clients whereas the content on capayonline.com and its subdomains are intended for its customers. Your compliance with these Terms of Use is a condition to your use of the Website and Digital Communications. If you do not agree to be bound by the Terms of Use, promptly exit this Website and do not use any of our Digital Communications. Please also consult our Privacy Policy for a description of our privacy practices and policies. You may print a hard-copy of this agreement by clicking the “Print” button in your web browser.
This Terms of Use, along with our Privacy Policy, Payment Terms, Payment Plan Agreement, Paperless Communication Agreement, any mobile license agreement, and other posted guidelines within our Website, collectively “Legal Terms”, constitute the entire and only agreement between you and Creditor Advocates Inc., and supersede all other agreements, representations, warranties and understandings with respect to our Website, Digital Communications, and the subject matter contained herein. We reserve the right to modify our Legal Terms at any time which are effective immediately upon posting and you agree to be bound to any such changes. We do so by posting and drawing attention to the updated Legal Terms when you visit our Website, at a minimum. It is the obligation of users visiting our Website before the change to learn of changes to the Privacy Policy since their last visit.
Creditor Advocates is a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.
General Terms
Our Legal Terms shall be treated as though it were executed and performed in Minnesota (MN), USA, and shall be governed by and construed in accordance with the laws of MN, 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 Creditor Advocates Inc. under our Legal Terms shall survive the termination of our Legal Terms.
Prohibited Use.
You may not access or use, or attempt to access or use, our Website or Digital Communications to take any action that could harm us or a third party. You may not use our Website or Digital Communications in violation of applicable laws. You further agree that you will not attempt (or encourage or support anyone else's attempt) to circumvent, reverse engineer, decrypt, or otherwise alter or interfere with our Website or Digital Communications or make any unauthorized use of our Website or Digital Communications. Without our prior written consent, you shall not: (1) access any part of our Website you do not have permission or authorization to access or for which we have revoked your access; (2) use robots, spiders, scripts, service, software or any manual or automatic device, tool, or process designed to data mine or scrape the Content, data or information from our Website or Digital Communications, or otherwise use, access, or collect the Content, data or information from our Website or Digital Communications using automated means; (3) use the Content for the development of any software program, including, but not limited to, training a machine learning or artificial intelligence (AI) system; (4) use services, software or any manual or automatic device, tool, or process designed to circumvent any restriction, condition, or technological measure that controls access to our Website or Digital Communications in any way, including overriding any security feature or bypassing or circumventing any access controls or use limits of our Website or Digital Communications; (5) cache or archive the Content (except for a public search engine’s use of spiders for creating search indices); (6) take action that imposes an unreasonable or disproportionately large load on our network or infrastructure; (7) do anything that could disable, damage or change the functioning or appearance of Website or Digital Communications; (8) use of any prerecorded/artificial voice messages, use of an automatic dialing device, and/or artificial intelligence as applicable to Contact Us without prior written consent; and (9) engage in a prohibited use of our Website or Digital Communications which may result in civil, criminal, and/or administrative penalties, fines, or sanctions against the user and those assisting the user.
Prevailing Language.
Translations into languages other than English may be available on the Website or through our Digital Communications. In case of any inconsistencies, disputes, or confusion with the translated versions, the English translated version shall prevail.
Your Privacy.
Protecting your privacy is very important to us. Please review our Privacy Policy in order to better understand our commitment to maintaining your privacy, as well as our use and disclosure of your information.
Important Disclosures.
Before using our Digital Communications, you acknowledge that you have been provided with important Disclosures and E-Sign Disclosure, either in writing or by visiting our Website. By visiting our Website, you acknowledge that you have been provided your important Disclosures and E-Sign Disclosure. Although Creditor Advocates attempts to ensure the integrity and accurateness of these disclosures, it makes no representations, warranties or guarantees whatsoever as to the correctness or accuracy of the disclosures. It is possible that the disclosures could include typographical errors, inaccuracies or other errors, and unexpected or unannounced changes to statutory requirements could be made by local, state, and/or federal governments at any time. In the event that an inaccuracy arises, please (1) inform Creditor Advocates, (2) allow 30 days from receipt of your concerns to fix, address, and/or cure such disclosures, (3) refer to mailed correspondence(s) for the proper disclosures that are applicable to your specific situation, and (4) promptly exit the Website. Disclosures may be changed or updated without notice.
Your Health Information.
You hereby consent to the receipt, use, and disclosure of your Protected Health Information (PHI) from you to Creditor Advocates. You further authorize the disclosure of this PHI to any healthcare provider, insurance company, medical billing company, or other third party that has provided or is providing payment, treatment, or services to you or on your behalf. This includes, but not limited to, sending your insurance information to the healthcare provider to process a claim, sending an itemized statement from your healthcare provider to your attorney, and filing a dispute or complaint related to your debt. You understand that the purpose of our use and disclosure of your health information is solely to provide you with the services described in this agreement. You understand that this data may contain sensitive information relating to your insurance information, HIV/AIDS diagnoses, mental illness or any other mental health condition, alcohol or substance abuse, sexually transmitted diseases, pregnancy, abortion or other family planning, genetic tests and/or diseases. Unless you expressly revoke it, your authorization shall remain in effect until December 31st, 2040.
Consent to Contact.
You agree to allow us to contact you about your account status, including past due or current charges, using prerecorded calls, text messages, chat messages, email and calls or messages using live, artificial, or prerecorded voices delivered by an automatic telephone dialing system or any other computer-aided technologies to any landline phone, wireless phone number, other contact number or email address you have provided or that you obtain in the future. You further agree that we will treat any email address and phone numbers you provide as your private email or phone number that is not accessible by unauthorized third parties. Unless you notify us that your wireless service is based in a different time zone, calls will be made to your cellular device during permitted calling hours based upon the time zone affiliated with the mobile telephone number you provide.
Contact Us.
You agree to communicate with us only through approved and available communication channels, or Contact Methods, which include by mail to Creditor Advocates, PO Box 1264, Prior Lake, MN 55372; by telephone calls to our main number at (866) 357-7522; by logging in through your online portal at portal.capayonline.com; by text to +1 (724) 481-5621, by email to customerservice@creditoradvocates.com, by any Digital Communication Channel we specify in our communications to you; or by any communication method we use to contact you. If any such Contact Method becomes unavailable, you agree to revert to using our mailing address or calls to the main phone number during normal business hours as they become available. When you communicate with us, you grant us express consent to respond through those same communication methods you used to contact us, unless and until otherwise directed. Communication to or from us may be recorded or monitored. Normal business hours to reach an agent are posted on our main website, which are typically between 8AM to 6PM Monday through Thursday, 8AM to 5PM Friday, excluding holidays. We reserve the right to refuse to accept communications through any Contact Method, to the extent allowable by law.
Digital Communications
Digital Communications includes those methods to facilitate communication and transactions electronically. By consenting to enable Digital Communications, you 1) acknowledge that you’ve been provided E-Sign Disclosures, 2) consent to the use of your Electronic Signature, 3) agree to the use of your Electronic Signature to provide express written consent to Text Messaging Communications, 4) agree to the use of your Electronic Signature to provide express written consent to Email Communications, 5) agree to the use of your Electronic Signature to provide express written consent for Paperless Communications, 6) agree to the use of your Electronic Signature to provide express written consent to calls using Automated Communications, 7) agree to the use of your Electronic Signature to provide express written consent for Online Portal Communications, and 8) extend these consents to all future communications and transactions with Creditor Advocates, its clients, and its agents, to the extent allowable by law, unless and until otherwise directed. You consent to receive such Digital Communications any time of the day, without restriction except when in conflict with applicable laws.
Requests to opt-out or revoke consent must be communicated in a clear, deliberate, and specific way to distinguish it from other similar requests and contain sufficient information as to identify its desired intent, or as permitted by law. You agree that such a request to opt-out or revoke one or more consents will be submitted 1) in writing or orally through one of our Contact Methods, or 2) in writing through one of the following online portal messaging platform pages: (i) chat (https://portal.capayonline.com/chat), (ii) document upload page (https://portal.capayonline.com/documents), or (iii) dispute page (https://portal.capayonline.com/dispute). For convenience, additional methods to opt-out or revoke consent are available for Email Communication, Text Communication, and calls using Automated Communications. See additional requirements for submitting a request to revoke consent for Paperless and Automated Communications below. You agree to allow a reasonable amount of time to process your request, not to exceed 10 business days. You acknowledge that opting-out or revoking one or more Digital Communications consents may restrict access to some or all of the services we provide. You may opt-in or provide consent to Digital Communications again by consenting to Text Message Communications, Email Communications, logging into your Online Portal, or authorizing us to set up a Payment or Payment Plan. Please note that after opting-out or revoking consent, you may receive communications on new accounts where your consent was previously obtained, to the extent allowable by law.
Digital Communications: Paperless Communication
By Opting into Digital Communications, you 1) acknowledge that you’ve been provided E-Sign Disclosures, 2) consent to the use of your Electronic Signature, and 3) agree to the use of your Electronic Signature to provide express written consent for Paperless Delivery and to treat such correspondence the same as if they were delivered in writing. Paperless Communication is enabled any time communication was provided through your Online Portal, or 1) when your phone number or email address was provided, and 2) you demonstrated the ability to receive such communications.
Requests to revoke consent to the use of your Electronic Signature must be communicated using one of the methods as described under Digital Communications in a clear, deliberate, and specific way to distinguish it from other similar requests and contain sufficient information as to identify its desired intent, or as permitted by law. Such a request should include the phrase “Opt-out Paperless consent” or “Revoke E-Sign consent” or substantially similar language to distinguish it from other similar requests.
Digital Communications: Text Messaging Communications
By providing your phone number and consent to us, our clients, or third party agents, you provide us with your implied consent to receive informational and transactional text messages. If you initiate a text message to us using our Contact Method, you provide us with express consent to receive informational and transactional text messages. You confirm that any phone number you provide is valid, personal, and secure from third-party access. By providing us with your implied or express consent, you agree to receive a text message Invitation to facilitate Digital Communications. To Opt-In to Digital Communications, reply Yes to our Invitation, provide the four digit PIN from the Invitation to an agent representative or electronic application, or provide authorization using your Online Portal (https://portal.capayonline.com/contact-options). By Opting into Digital Communications, you agree to the use of your Electronic Signature to provide express written consent for Text Messaging Communications and to treat such correspondence the same as if they were delivered in writing. Text message responses from us may be limited to the normal business hours. Communication to or from us may be recorded or monitored. You acknowledge that sending MMS or attaching files, photos, or other media is not currently supported but the express consent will extend to such when it becomes available.
By participating, you agree to the Terms & Privacy Policy for auto dialed messages to the phone number you provide. Msg&data rates may apply. Text 7244815621 to opt in. Reply HELP for help or STOP to opt out at any time. SMS information is not rented, sold, or shared.
Requests to opt-out or revoke consent to Text Messaging Communications must be communicated using one of the methods as described under Digital Communications in a clear, deliberate, and specific way to distinguish it from other similar requests and contain sufficient information as to identify its desired intent, or as permitted by law. Alternatively, you may submit such a request by sending a text message with the word “stop”, “quit”, “end”, “revoke”, “opt out”, “cancel”, “unsubscribe”, “quit”, or substantially similar language in response to any received text message from us or using your Online Portal Contact Options page (https://portal.capayonline.com/contact-options). You acknowledge that opting-out or revoking consent to Text Messaging Communications may restrict access to some or all of the services we provide, including Paperless Communication, Payment Plans, and calls using Automated Communications. You further acknowledge that such requests by themselves without further details may not constitute a cease communication to that phone number and that calls not using automatic telephone dialing system and artificial or prerecorded voice may continue.
Digital Communications: Email Communications
By providing your email address and consent to us, our clients, or third party agents, you provide us with your implied consent to receive informational and transactional email messages. If you initiate an email message to us using our Contact Method, you provide us with express consent to receive informational and transactional email messages. You confirm that any email address you provide is valid, personal, and secure from third-party access. By providing us with your implied or express consent, you agree to receive an email message Invitation to facilitate Digital Communications. To Opt-In to Digital Communications, click on the “Accept Email Messages / Digital Communications Consent” button within the email message or provide authorization using your Online Portal (https://portal.capayonline.com/contact-options). By Opting into Digital Communications, you agree to the use of your Electronic Signature to provide express written consent for Email Communications and to treat such correspondence the same as if they were delivered in writing. Email message responses from us may be limited to the normal business hours. Communication to or from us may be recorded or monitored.
To receive and view email communications, you must meet the following software and hardware requirements: (1) Hardware Requirements: A device capable of accessing a valid email account; and (2) Software Requirements: An operating system and internet browser updated to the current version that together support the display of PDF documents.
Requests to opt-out or revoke consent to Email Communications must be communicated using one of the methods as described under Digital Communications in a clear, deliberate, and specific way to distinguish it from other similar requests and contain sufficient information as to identify its desired intent, or as permitted by law. Alternatively, you may submit such a request by clicking on the “unsubscribe” or “opt-out” link located at the bottom of the email message. You acknowledge that opting-out or revoking consent to Email Communications may restrict access to some or all of the services we provide, including Paperless Communication and Payment Plans.
Digital Communications: Automated Communications
By Opting into Digital Communications, you agree to the use of your Electronic Signature to provide express written consent to receive informational and transactional calls using an Automatic Telephone Dialing System (ATDS) and/or Artificial or Prerecorded Voice (APRV).
Requests to revoke consent to receive calls using Automated Communications must be communicated using one of the methods as described under Digital Communications in a clear, deliberate, and specific way to distinguish it from other similar requests and contain sufficient information as to identify its desired intent, or as permitted by law. Such a request should include the phrase “Revoke Autodialed/AI/Prerecorded Communications consent”, “Revoke ATDS and APRV communication consent”, “Revoke consent for autodial calls” or substantially similar language to distinguish it from other similar requests. Alternatively, you may submit such a request by using the consent revocation method as provided in the call using Automated Communications, such as an interactive voice or key press-activated opt-out mechanism, or sending a text message with the word “stop”, “quit”, “end”, “revoke”, “opt out”, “cancel”, “unsubscribe”, “quit” or substantially similar language in response to any received text message from us or using your Online Portal Contact Options page (https://portal.capayonline.com/contact-options). You acknowledge that revoking consent to Automated Communications may restrict access to some or all of the services we provide, including Paperless Communication and Payment Plans. You further acknowledge that such requests by themselves without further details may not constitute a cease communication to that phone number and that calls not using Automated Communications may continue.
Digital Communications: Online Portal Communication
We provide an Online Portal through our Website by which you can access your account(s), set up Payments or Payment Plans, and communicate with us. By logging in through the Online Portal provided through our Website at capayonline.com or portal.capayonline.com, you 1) acknowledge that you’ve been provided E-Sign Disclosures, 2) consent to the use of your Electronic Signature, 3) agree to the use of your Electronic Signature to provide express written consent for Digital Communication, and 4) agree to treat any Online Portal communication the same as if they were delivered in writing. Chat communication responses from us may be limited to the normal business hours provided above. Communication to or from us may be recorded or monitored. We reserve the right to restrict access to the online portal. You acknowledge that any request to opt-out or revoke consent to any Digital Communication will not occur until after you have logged out of the Online Portal and that you must remain logged out to maintain that opt-out or consent revocation status.
Digital Communications: Contact Information You Supply Are Assumed To Be Consented
By providing your Contact Information to us, our clients, or third party agents, you provide us with your consent to send communications to you, to the extent allowable by law. If you Contact Us, you provide us with express consent to contact you through that same communication channel, unless otherwise directed. Unless you designate otherwise, we will assume that any Contact Information you provide is valid, personal, and secure from third-party access. By providing us with your consent, you agree to receive an Invitation to facilitate Digital Communications. Communication to or from us may be recorded or monitored. We reserve the right to refuse to provide communications through any Contact Information You Supply.
Requests to revoke consent to communicate through Contact Information You Supply must be communicated using one of the methods as described under Digital Communications in a clear, deliberate, and specific way to distinguish it from other similar requests and contain sufficient information as to identify its desired intent, or as permitted by law.
Payment and Payment Plan Authorization
To set up Payments or Payment Plans, you are required to Contact Us to authorize. By providing your contact information, payment information, desired payment schedule, and authorization in connection with a Payment or Payment Plan, you authorize us to (1) establish and maintain your payment authorizations, (2) process a one-time payment followed by one or more recurring post-dated payments, and (3) process your payments according to your instructions. Payment Plans with four or more payments are required to be authorized in writing. Failure to provide your authorization may result in Deactivation of your Payment Plan. By providing your email address or mobile phone number in conjunction with authorizing a Payment or Payment Plan, you 1) consent to Digital Communications, 2) agree to the use of your Electronic Signature to provide express written authorization on current and future Payments or Payment Plans you authorize, and 3) agree to the use of your Electronic Signature to provide express written consent for Paperless Communications. Payments will be applied toward your debt and any future debts in a manner that is most favorable and convenient to us unless otherwise directed by applicable law. You will be notified 3 to 10 days before your scheduled payment and at least 10 days before a scheduled payment if the payment will be different from the authorized amount or range. Payments that you authorize will be made from a bank or financial institution account, including, by credit or debit card, ACH, Google Pay, Apple Pay, PayPal, or other account (the "Transaction Account") that you designate. It will be your responsibility to (1) establish and maintain the Transaction Account and to pay any and all fees associated with the Transaction Account, (2) review the Payment Plan details to verify payment amounts are correct, (3) review scheduled notifications to verify payment amounts are correct, and (4) advise us if your contact information or Transaction Account details change. You represent that you have the authority to authorize us to take the payments from the Transaction Account according to the terms of your Payment Plan. You have the option to modify or Deactivate your current Payment Plan by accessing your account(s) through the online portal or Contacting Us at the information provided above. Any modification or Deactivation request must contain sufficient information as to identify its desired intent and allow enough time for us to act on that request, typically within three business days. Upon the conclusion, cancellation, or Deactivation of the Payment Plan, any remaining amount will become immediately due. You are not permitted to change, revoke or terminate a one-time or recurring payment if that payment is in process. A payment is in process on the posting date of the payment. We reserve the right to modify, Deactivate, or cancel this Payment Plan at our sole discretion. You have the option to request a refund within 90 days of the payment. Stop Payment Requests and Chargebacks: You may have the right to revoke electronic payments by contacting the bank where you hold the Transaction Account. Contact your bank to determine the information and time your bank needs to process your revocation. We may be charged a fee up to $30.00 for processing this request and you agree to reimburse us this amount, or to the extent allowable by law. In such cases, we may require you to use alternative payment channels on future payments.
Over-Payment Policy.
Any over-payment of $5.00 or more over the total debt amount will be refunded to the Account guarantor within 30 days of discovery or notification and confirmation by our accounting department. Refund may be requested for any over-payment. If approved, the refund will be issued within 30 days and may take the form of a payment card credit, ACH credit, or a mailed refund check. Regardless of the over-payment balance, any over-payments or un-cashed over-payment refund checks not sufficiently resolved will follow the appropriate state's Unclaimed Funds program and such funds will be remitted to state entities for you to claim at a later date.
Refund Policy.
We will refund any payment within 90 days of the payment date. Most often, refunds are approved and issued the same day as the request but it may take 10-days or longer to process through to your bank. Refund requests may take up to 5-days to be approved before being issued but in rare cases refund requests over $1,000 may require additional risk assessment with the creditor before approval.
Chargebacks and Payment Disputes.
If a dispute or question arises about a transaction between you and us, please contact us first before contacting your card issuer and/or filing a dispute/chargeback with your bank. In most cases, you will receive your money faster. By initiating a retrieval or chargeback request with your card issuer, you are implicitly authorizing Creditor Advocates to release the necessary information to comply with the card brands’/financial institutions’ information request; in some cases, this can include your Personally Identifiable Information (PII) and Protected Health Information (PHI). As our goal is to learn about and address your concerns as quickly as possible while securely maintaining your personal information. All questions and concerns should be directed to our Customer Service at (866) 357-7522 between 8AM-5pm CST Monday through Friday.
Assignment.
You may not assign this Agreement to any other party. We may assign this Terms of Service, or any parts thereof, to any directly or indirectly affiliated company. We may also assign or delegate certain of its rights and responsibilities under this Terms of Service to independent contractors or other third parties.
Accuracy and Integrity of Information
Although Creditor Advocates attempts to ensure the integrity and accurateness of the Website, it makes no representations, warranties or guarantees whatsoever as to the correctness or accuracy of the Website and Content thereon. It is possible that the Website could include typographical errors, inaccuracies or other errors, and that unauthorized additions, deletions and alterations could be made to the Website by third parties. In the event that an inaccuracy arises, please inform Creditor Advocates so that it can be corrected. Information contained on the Website may be changed or updated without notice. Additionally, Creditor Advocates shall have no responsibility or liability for information or Content posted to the Website from any non-Creditor Advocates affiliated third party.
You agree that all information you provide to us in connection with the Service is true, correct and complete. You agree not to misrepresent your identity or authority to view information or to schedule any Payment.
Intellectual Property.
Creditor Advocates, Creditor Advocate’s Website, and all related logos, products and services described in our Website are either trademarks or registered trademarks of Creditor Advocates or its licensors. You may not copy, imitate or use them without Creditor Advocate’s prior written consent. In addition, all page headers, custom graphics, button icons, and scripts are service marks, trademarks, and/or trade dress of Creditor Advocates. You may not copy, imitate, or use them without our prior written consent. All right, title and interest in and to the Creditor Advocates Website and any content thereon is the exclusive property of Creditor Advocates and its licensors.
Licenses and Website Access.
Creditor Advocates grants you a limited license to access and make personal use of this Website and not to download (other than page caching) or modify it, or any portion of it, except with express written consent of Creditor Advocates. This license does not include any resale or commercial use of this Website or its contents; any derivative use of this Website or its contents; or any use of data mining, robots, or similar data gathering and extraction tools. This Website or any portion of this Website may not be reproduced, duplicated, copied, sold, resold, visited, or otherwise exploited for any commercial purpose without express written consent of Creditor Advocates. You may not frame or utilize framing techniques to enclose any trademark, logo, or other proprietary information (including images, text, page layout, or form) of Creditor Advocates without express written consent. You may not use any meta tags or any other “hidden text” utilizing Creditor Advocate’s name or trademarks without the express written consent of Creditor Advocates. Any unauthorized use terminates the permission or license granted by Creditor Advocates.
DISCLAIMER OF WARRANTIES AND LIMITATION OF LIABILITY.
THIS WEBSITE AND ALL INFORMATION, CONTENT, MATERIALS, PRODUCTS AND SERVICES INCLUDED ON OR OTHERWISE MADE AVAILABLE TO YOU THROUGH THIS WEBSITE ARE PROVIDED BY CREDITOR ADVOCATES ON AN “AS IS” AND “AS AVAILABLE” BASIS, UNLESS OTHERWISE SPECIFIED IN WRITING. CREDITOR ADVOCATES MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THIS WEBSITE OR THE INFORMATION, CONTENT, MATERIALS, PRODUCTS OR SERVICES INCLUDED ON OR OTHERWISE MADE AVAILABLE TO YOU THROUGH THIS WEBSITE, UNLESS OTHERWISE SPECIFIED IN WRITING. YOU EXPRESSLY AGREE THAT YOUR USE OF THIS WEBSITE IS AT YOUR SOLE RISK. TO THE FULL EXTENT PERMISSIBLE BY APPLICABLE LAW, CREDITOR ADVOCATES DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. CREDITOR ADVOCATES DOES NOT WARRANT THAT THIS WEBSITE; INFORMATION, CONTENT, MATERIALS, PRODUCTS OR SERVICES INCLUDED ON OR OTHERWISE MADE AVAILABLE TO YOU THROUGH THIS WEBSITE; THEIR SERVERS; OR E-MAIL SENT FROM CREDITOR ADVOCATES ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. CREDITOR ADVOCATES WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM THE USE OF THIS WEBSITE OR FROM ANY INFORMATION, CONTENT, MATERIALS, PRODUCTS OR SERVICES INCLUDED ON OR OTHERWISE MADE AVAILABLE TO YOU THROUGH THIS WEBSITE, INCLUDING, BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, AND CONSEQUENTIAL DAMAGES, UNLESS OTHERWISE SPECIFIED IN WRITING. CERTAIN STATE LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MIGHT HAVE ADDITIONAL RIGHTS.
Applicable Law.
By visiting our Website, you agree that the laws of the state of Minnesota, without regard to principles of conflict of laws, will govern these Terms of Use and any dispute of any sort that might arise between you and Creditor Advocates.
Disputes.
By using this Website you consent to exclusive jurisdiction and venue of Scott County, Minnesota. Any dispute relating to your use of our Website shall be adjudicated in such jurisdiction.
Modification.
We may amend our Terms of Use at any time by posting a revised version on our website. The revised version will be effective at the time we post it, unless otherwise indicated. If the modified Terms of Use are not acceptable to you, your only recourse is to cease using our Website.
Version 20250425 – Updated on 04/25/2025
This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.
Copyright © 2025 Creditor Advocates - All Rights Reserved.
This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.
By continuing to use this site, you accept our Terms of Service, Privacy Policy, Disclosures, and our use of cookies.
Calls to and from this company may be monitored and/or recorded.