Compliance & Consumer Rights

Consumers have certain rights under federal and applicable state law concerning the collection of debts.

Depending on the circumstances, these rights may include the right to:

• Receive required information concerning an alleged debt;
• Dispute a debt or any portion of a debt;
• Request information concerning the original creditor, when applicable;
• Request verification of a disputed debt;
• Request that certain communications be made in a particular manner when permitted by law;
• Be free from harassment, abuse, false or misleading representations, and unfair or unlawful collection practices; and
• Exercise any additional rights provided by applicable federal, state, or local law.

Nothing in this notice is intended to waive, limit, or diminish any rights or remedies available to a consumer under applicable law.

If you believe that a debt associated with you is incorrect, not owed by you, has already been paid, or otherwise should not be collected, you may have the right to dispute the debt.

Consumers should follow the dispute instructions contained in the applicable collection communication or validation notice they received from Iron Mark Recovery.

Where required by applicable law, Iron Mark Recovery will review and respond to qualifying disputes in accordance with applicable legal requirements.

Where required by applicable law, consumers will receive information concerning the debt, including applicable validation information and instructions for disputing the debt.

Consumers should carefully review any validation notice they receive and follow the instructions contained in that notice.

Federal Regulation F contains specific requirements concerning validation information and disputes. Iron Mark Recovery intends to maintain procedures designed to comply with applicable requirements.

Iron Mark Recovery may communicate with consumers using methods permitted by applicable law, which may include telephone, mail, electronic communications, text messaging, or other permitted methods.

Communication practices are subject to applicable restrictions concerning:

• Frequency and timing of communications;
• Privacy and third-party communications;
• Electronic communications;
• Consumer requests concerning communication methods;
• Attorney representation; and
• Other applicable federal and state requirements.

If you are represented by an attorney concerning a debt and applicable law requires or permits communications to be directed to your attorney, please provide the applicable attorney information to Iron Mark Recovery.

Iron Mark Recovery takes reasonable measures to protect information relating to consumers and accounts from unauthorized access, use, or disclosure.

We do not intentionally disclose information concerning a consumer's debt to unauthorized third parties except as permitted or required by law.

Consumers should not submit sensitive personal information through an unsecured communication channel unless specifically instructed by Iron Mark Recovery.

Consumers should use only payment methods and payment instructions provided through authorized Iron Mark Recovery communications or our authorized payment channels.

Iron Mark Recovery will not intentionally require a consumer to pay an amount that is not authorized by the applicable agreement or permitted by law.

Consumers should retain payment confirmations and other documentation relating to payments made toward an account.

Iron Mark Recovery recognizes that applicable law may restrict collection activity involving debts that are subject to a statute of limitations or other legal limitation.

Nothing on this website should be interpreted as a representation that a particular debt is legally enforceable.

Consumers should review the notices provided concerning their specific account and may wish to consult an attorney regarding the legal status or enforceability of a debt.

Iron Mark Recovery does not intend to make a legal representation concerning the enforceability of any particular debt through this website.

We encourage consumers to contact Iron Mark Recovery regarding concerns about their account or our collection practices.

A consumer may submit a complaint or compliance concern by contacting:

When submitting a complaint, please provide enough information for us to identify the account and understand the nature of the concern. Please do not include unnecessary sensitive personal information.

Iron Mark Recovery will review complaints and take appropriate action consistent with applicable law and company procedures.

Nothing contained on this website is intended to restrict, waive, or eliminate any right or protection provided to a consumer under applicable federal, state, or local law.

Where a conflict exists between this website notice and a mandatory legal notice or applicable law, the applicable law and legally required notice will control.

Debt collection laws vary by jurisdiction.

Iron Mark Recovery may be subject to additional licensing, registration, disclosure, communication, bonding, recordkeeping, privacy, or other requirements depending on the jurisdiction and type of collection activity involved.

Where required, Iron Mark Recovery will provide applicable state-specific notices and disclosures.

This website notice is intended as a general compliance framework and is not intended to constitute legal advice.

Iron Mark Recovery's counsel should review this notice, including all state-specific requirements, licensing requirements, required disclosures, consumer communication procedures, and website language before publication.