Terms of use

Acceptance of these terms

By using this website you agree to these terms and to our Privacy policy. If you don’t agree, please don’t use the site. You can always reach us by phone or mail about your account.

Who can use this site

You must be at least 18 to use the account tools on this site. Use it only for your own account, for an account you’re authorized to manage, or for your business’s dealings with Recovian.

If you’re acting for someone else, make sure you have their permission first.

Recovian Pay

Recovian Pay, our payment portal, isn’t live yet. This website doesn’t process payments or collect payment information.

When Recovian Pay goes live, these terms will apply to it:

• Payment authorization: you choose the amount and the date, and you authorize us to process the payment. You’ll see a summary before you confirm.
• Scheduled payments: for a plan, you authorize each installment on the schedule you pick, and we remind you before each one.
• Failed payments: if a payment doesn’t go through, we’ll tell you and you can try again or choose another option. Recovian charges no fee for a failed payment. Your bank may have its own.
• Changes and cancellations: you can change or cancel a plan or a scheduled payment any time before it’s processed.
• Receipts: we send a receipt for every payment, in the way you prefer.

No consumer fees

Recovian doesn’t charge consumers fees to pay online, by phone or by mail. Your bank or card issuer may have its own fees.

Every amount on your account is itemized in the notices we send you.

Electronic communications

By giving us your email address, or by using the portal, you agree to receive notices, receipts and account information electronically. Where the law allows, electronic notices count as written notices.

You can ask for paper copies, or take back your consent, at any time. If you do, we’ll send notices by mail. To read electronic notices you’ll need a device with internet access and an up-to-date browser.

Text message terms

We text only numbers we have consent to contact, where consent is required. Message frequency varies. Message and data rates may apply. Reply STOP to opt out or HELP for help.

Our texts are about your account and your options. For help, call (800) 555-0142. Opting out of texts doesn’t change your account, and you can still pay or set up a plan any time.

Account information and disputes

Account details on this site come from the creditor who placed your account with us. If something looks wrong, dispute it. If you dispute all or part of the debt within the period described in your validation notice, we’ll stop collecting the amount you dispute until we send you verification.

You can still pay or set up a plan at any time, and you can ask for the name and address of the original creditor. To ask a question or dispute a debt, see Got a letter from us?.

Acceptable use

Please don’t:

• break the law or help anyone else to;
• try to reach someone else’s account or information;
• interfere with the site’s security, or probe it for weaknesses without our written permission;
• use bots, scrapers or other automated tools to submit forms or collect content; or
• upload anything harmful, such as malware.

Intellectual property

Recovian, the Recovian logo and the boomerang mark are trademarks of Recovian, Inc.

You may view and print this site’s content for your own use. Please don’t copy, modify or redistribute it, or use our marks, without our written permission.

Links to other sites

This site links to other websites, for example consumerfinance.gov (opens in new tab). We don’t control them and aren’t responsible for their content or privacy practices.

Disclaimers

This site is provided “as is” and “as available.” We work to keep it accurate and running, but we can’t promise it will always be available or error-free. Nothing on it is legal, tax or financial advice.

Nothing in these terms limits the rights you have under consumer protection laws, including the FDCPA and Reg F.

Limitation of liability

To the extent the law allows, Recovian isn’t liable for indirect, incidental or consequential losses that come from using this site. This doesn’t limit any liability that the law doesn’t allow us to limit, or any right you have under the FDCPA, the FCRA or your state’s laws.

Governing law

These terms are governed by the laws of the State of Texas, without regard to its conflict-of-law rules. This doesn’t take away any rights you have under the laws of the state where you live.

Accessibility

We’re committed to meeting WCAG 2.2 AA. If any part of this site is hard to use, call (800) 555-0142 or email accessibility@recovian.com, and we’ll help you resolve your account another way.

Changes and contact

We may update these terms from time to time. When we do, we’ll post the new version here with a new date. If you keep using the site after a change, you accept the updated terms.

Questions about these terms? Email help@recovian.com or write to Recovian, Inc., Attn: Legal, 1200 Placeholder Avenue, Suite 400, Austin, TX 78701.