Debt collection (whether actively contacting a debtor or reporting delinquencies) is a serious endeavor. Mistakenly, carelessly, negligently, wrongfully, and/or intentionally attempting to collect, collecting or reporting a debt that is not valid and recognized under the law can carry serious legal penalties. Direct Debt Collections may not be used to harass, threaten or frighten people.

It is your responsibility to confirm that the debt is valid and is recognized under the law before proceeding. Direct Debt Collections must rely upon the accuracy and validity of the information you provide. Direct Debt Collections cannot provide legal advice. Direct Debt Collections can not, and does not, evaluate or investigate the information you provide to determine whether a debt is valid and recognized under the law. However, Direct Debt Collections reserves the right to decline services regarding any debt it deems inappropriate, inaccurate, and invalid. If you have any questions regarding the accuracy or validity of a debt you are seeking to collect or report, you should immediately consult an attorney. Direct Debt Collections reserves the right to close any account and cease any and all collection efforts, temporarily or permanently, without prior notice to creditor, if it is determined that a viable threat of litigation or actual litigation is contemplated by a debtor or third party such as local, state or federal authorities. As a full service collection agency, it is our intention to actively participate in the collection process in a meaningful way. Our involvement with the debtor, negotiation of the debt, follow-up with the debtor and/or the creditor is part of our effort to help resolve the account. In the event of a dispute, we will take an active roll in the negotiation and resolution of said dispute.

Direct Debt Collections provides collection services only for debts arising from: (1)a dishonored check, (2) a court judgment in your favor, or (3) the failure to pay for a service or product provided by you or your company. Direct Debt Collections will provide collection services for delinquent debts only. In the event that verification is requested, you agree to provide to Direct Debt Collections proof of the debt in the form of (1) a dishonored check, (2) a judgment, or (3) the an invoice for the service or product. In the event you fail to provide verification of a debt within 10 days of a request therefore, all collection services with regard to that debt will immediately cease.

In the event that you receive a notice that a debt is disputed, you are required to immediately notify Direct Debt Collections. In the event that Direct Debt Collections receives notice that a debt is disputed, notification of the dispute will be forwarded to you and to any credit bureaus to which Direct Debt Collections has reported the debt. Upon receipt of a notice of disputed account from Direct Debt Collections you will be asked to provide substantiation of the debt within five (5) business days. In the event reasonable substantiation is not received in a timely manner the account will be closed and, if applicable, reported to the appropriate credit bureaus.

In the event a debt is reported to one or more credit bureaus, the following additional conditions apply:

• Your debt may remain on the debtors credit report for as long as seven (7) years - possibly longer if it is a judgment.


• This may negatively impact the debtors ability to arrange for credit and obtain employment in the future.


• If the debtor files a formal dispute with a credit bureau or with Direct Debt Collections, the status of the debt will be reflected as "disputed".


• You are retaining Direct Debt Collections as the exclusive agency for this debt and will not assign, refer, sell, or in any way transfer the rights to collect this debt to any other collection agency without first canceling your agreement with Direct Debt Collections. Exclusivity is to prevent the same debt from being reported against the same debtor at the same time by more that one collection agency. You may cancel the agreement with Direct Debt Collections at any time.

In the event that you have chosen to purchase a consumer credit report as part of your debtor package you hereby acknowledge that you have read, understand and agree with the provisions set forth in the Fair Credit Reporting Act (FCRA). OldDebts.com does not warrant the accuracy or completeness of any credit report. Credit reports are furnished by Experian and may be used only in compliance with the Fair Credit Reporting Act (FCRA). Partial, incomplete or inaccurate information provided by you may result in an incomplete or inaccurate credit report. You will be charged for the purchase of any credit report ordered, regardless of the results. In the event you have chosen to purchase a consumer credit report, you warrant that such purchase is in full compliance with the Fair Credit Reporting Act (FCRA) and not for any purpose prohibited by the Act.

By using this site, you acknowledge and agree that you are providing accurate information about a valid debt recognized under the law, and will indemnify, defend and hold harmless Direct Debt Collections in connection with any claim or proceeding arising or relating from the information you provide.

Additionally, in the event any litigation arises from or is a result of the use of this website, creditor will indemnify, defend and hold harmless Fidelity Information Corporation, Direct Debt Collections, OldDebts.com and its affiliates, divisions, subsidiaries, officers and employees. This shall include, but not be limited to, litigation or threats of litigation arising from claims made by debtors and/or local, state or federal authorities regarding misinformation provided by creditors, collection agency licensing regulations, debtor claims of offset against creditors and inaccurate or fraudulent information provided by creditors, intentionally or not intentionally.

In the event that our initial efforts do not resolve the account(s) satisfactorily, we stand ready to continue our collection efforts on a contingency fee basis.