Terms of Service

1. Overview

CollectNow ("we," "us," "our") operates the website collectnow.io and provides self-help tools for generating demand letters, court filing documents, judgment enforcement forms, and related debt collection resources. By accessing or using any of our services, you ("you," "user," "creditor") agree to be bound by these Terms of Service.

If you do not agree to these terms, do not use our services.

2. Not a Law Firm

⚠️ IMPORTANT: CollectNow is NOT a law firm, attorney, debt collection agency, credit reporting agency, or licensed legal service provider. We do not provide legal advice, legal representation, or debt collection services. We provide self-help document generation tools and educational resources only.

The documents generated by our platform are templates populated with the information you provide. We do not review your specific legal situation, verify the accuracy or legitimacy of your claims, confirm whether a debt is legally enforceable, or guarantee any outcome.

No attorney-client relationship is created by using CollectNow. No communication through our platform constitutes legal advice. You are solely responsible for:

• The accuracy of all information you submit
• Determining whether your claim is valid and enforceable
• Ensuring your actions comply with all applicable laws
• The decision to send any demand letter, file any court case, or pursue any enforcement action

If you need legal advice, consult a licensed attorney in your jurisdiction. We strongly recommend attorney consultation for debts over $10,000, complex contractual disputes, situations involving potential counterclaims, or any matter where you are unsure of your legal rights.

3. Eligibility

To use CollectNow, you must:

• Be at least 18 years old
• Be legally competent to enter into binding contracts
• Have a good faith belief that the debt or obligation you are pursuing is legitimately owed to you or your business
• Not be barred by any court order or legal restriction from pursuing the claimed debt

By using our services, you represent and warrant that you meet all eligibility requirements.

4. Services Offered

CollectNow currently offers the following self-help services:

• Demand Letter Generator ($49) — Creates a professional demand letter PDF based on your inputs, with optional certified mail delivery and SMS notification
• Filing Package ($149) — Generates state-specific small claims court forms, filing instructions, service of process guides, and court preparation materials
• Enforcement Kit ($99) — Generates post-judgment enforcement forms including wage garnishment, bank levy, property lien, and debtor examination documents
• Batch Processing — CSV upload for generating multiple demand letters simultaneously
• Debtor Portal — An online portal where debtors can view claim details, make payments, request payment plans, or submit disputes
• API Access (B2B) — Programmatic access to our document generation services for qualified businesses

All services generate documents based on general legal templates and publicly available information about state laws and court procedures. Documents are not reviewed by an attorney unless an attorney review add-on is explicitly purchased.

5. Acceptable Use

You agree NOT to use CollectNow to:

• Pursue debts you know to be invalid, fraudulent, already paid, or discharged in bankruptcy
• Harass, threaten, abuse, or intimidate any person beyond what is legally permitted
• Violate any federal, state, or local law, including but not limited to the Fair Debt Collection Practices Act (FDCPA), state consumer protection laws, or unfair business practices statutes
• Impersonate an attorney, law firm, court official, government agency, or debt collection agency
• Send demand letters for debts beyond the statute of limitations in the applicable state
• Submit false, misleading, defamatory, or fraudulent information
• Use our platform to collect debts on behalf of third parties without proper licensing (which may subject you to the FDCPA)
• Reverse engineer, scrape, or copy our document templates or platform functionality
• Use automated bots or scripts to abuse our platform beyond authorized API access
• Resell or redistribute generated documents to third parties
• Use the debtor portal to deceive, mislead, or defraud any person

We reserve the right to suspend or terminate your access immediately if we believe, in our sole discretion, that you are misusing the platform or violating these terms. No refund will be issued for termination due to violations.

6. Payments & Refunds

All payments are processed through Stripe, our third-party payment processor. By making a purchase, you agree to Stripe's terms of service in addition to these terms.

Pricing

• Demand Letter: $49 per letter
• Certified Mail Add-on: $8.00 per letter
• SMS Notification Add-on: $0.50 per message
• Email Notification: Included
• Filing Package: $149 per case
• Enforcement Kit: $99 per judgment

Refund Policy

Documents already generated are non-refundable. Once a demand letter, filing packet, or enforcement kit has been generated and delivered to you (via download or email), the service is considered complete and no refund will be issued.

If a document has not yet been generated, you may request a full refund within 24 hours of purchase by contacting us.

Certified mail fees are non-refundable once a letter has been submitted to USPS. SMS fees are non-refundable once a message has been sent.

Price Changes

We reserve the right to change pricing at any time. Prices in effect at the time of your purchase will apply. We will not retroactively charge you more for services already purchased.

7. Certified Mail & Physical Delivery

When you opt for certified mail delivery, we submit your letter to USPS via our mail fulfillment partner. Letters are sent via USPS Certified Mail with Return Receipt Requested.

We are not responsible for:

• Delays, failures, or errors by USPS or any mail carrier
• Incorrect addresses provided by you
• Undeliverable mail due to the recipient refusing delivery, moving, or being unavailable
• Lost or damaged mail in transit

Tracking information is provided as-is from the carrier. Delivery confirmation constitutes "proof of mailing" — not proof that the recipient read or acted upon the letter.

8. Debtor Portal

When a demand letter is created, a unique debtor portal link may be generated. This portal allows the alleged debtor to:

• View the claim details you submitted
• Make a full or partial payment
• Request a payment plan
• Submit a dispute with their version of events

Payments made through the portal are processed by Stripe. We act as an intermediary for payment processing only — we are not a party to the underlying debt and do not adjudicate disputes.

Portal limitations: The debtor portal presents information as submitted by the creditor. We do not verify, validate, or endorse any claims. The portal does not constitute legal process, a court filing, or an official collection notice.

If a debtor disputes the claim through the portal, we will notify you. Resolution of the dispute is between you and the debtor — CollectNow does not mediate, arbitrate, or adjudicate disputes.

9. Filing Package — Additional Terms

The Filing Package generates court forms and instructions based on publicly available information about small claims court procedures in your state. Important limitations:

• Forms are templates, not legal filings. You are responsible for reviewing all forms before filing with the court. Courts may reject forms that are incomplete, incorrect, or not in the required format.
• State data may be outdated. Court procedures, filing fees, claim limits, and form requirements change periodically. We make reasonable efforts to keep information current but cannot guarantee accuracy at the time of your filing.
• Filing fees are separate. Court filing fees are paid directly to the court and are not included in our pricing. We display estimated filing fees for reference only — actual fees are set by the court.
• We do not file on your behalf. You are responsible for filing documents with the court, serving the defendant, and appearing at hearings.
• Service of process is your responsibility. We provide instructions on how to serve the defendant, but you must arrange and complete service in compliance with your state's requirements.
• Court preparation materials are educational. Our court day guide is general advice — every case and judge is different.

10. Enforcement Kit — Additional Terms

The Enforcement Kit generates post-judgment enforcement documents. This service is intended for use only after you have obtained a valid court judgment in your favor.

• You must have a valid judgment. Using enforcement forms without a valid, unsatisfied court judgment may be illegal. We do not verify whether you have a judgment.
• Enforcement forms are templates. Courts and employers may have specific local forms or requirements. You are responsible for confirming the correct forms for your jurisdiction.
• Garnishment and levy rules vary by state. Federal and state laws limit what can be garnished and exempt certain income (Social Security, disability, etc.). We provide general garnishment limits but you must comply with all applicable exemption laws.
• Debtor examination procedures vary. The process for compelling a debtor examination differs by state. Our forms are templates — confirm procedures with your local court clerk.
• Liens and levies have legal consequences. Filing a lien or levy improperly can result in liability. If unsure, consult an attorney.
• We do not enforce judgments. We generate forms — you are responsible for filing, serving, and following up with courts, employers, and banks.

11. Batch Processing & API Services

Batch Upload

The batch CSV upload feature allows you to generate multiple demand letters from a single file. You are responsible for the accuracy of all data in your CSV file. We are not responsible for errors resulting from improperly formatted or inaccurate data.

API Access (B2B)

API access is available under separate subscription plans:

• Starter: $99/month — $15 per letter, up to 50/month
• Professional: $299/month — $10 per letter, up to 500/month
• Enterprise: $799/month — $5 per letter, unlimited volume

API subscriptions are billed monthly. You may cancel at any time effective at the end of the current billing period. No refunds for partial months. API keys are confidential — you are responsible for securing your key. We may throttle or suspend access for abuse.

FDCPA Compliance: If you are a business using our API to collect debts owed to third parties, you may be classified as a debt collector under the FDCPA. It is your sole responsibility to ensure compliance with all applicable collection laws. CollectNow is not responsible for your compliance obligations.

12. Intellectual Property

All content on collectnow.io — including but not limited to text, graphics, logos, icons, images, software, document templates, and the "Scare Score" algorithm — is the property of CollectNow and is protected by copyright, trademark, and other intellectual property laws.

You are granted a limited, non-exclusive, non-transferable license to use generated documents for their intended purpose (sending demand letters, filing court cases, enforcing judgments). You may not:

• Reproduce or redistribute our templates or platform content
• Use our branding, logos, or "Scare Score" trademark without permission
• Create derivative products based on our document templates
• Scrape, copy, or reverse-engineer our platform

13. No Guarantees

WE MAKE NO WARRANTIES OR GUARANTEES, EXPRESS OR IMPLIED, REGARDING:

• Whether any debtor will pay after receiving a demand letter
• Whether any demand letter or court filing will be legally sufficient in your jurisdiction
• Whether you will prevail in any legal proceeding
• Whether any enforcement action will result in recovered funds
• Whether any statistics, success rates, or "Scare Scores" cited on our website will apply to your case
• The accuracy, completeness, or currentness of any state-specific legal information
• The continuous, uninterrupted, or error-free operation of our platform

ALL SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

The "Scare Score" is an estimate based on factors you input and does not predict actual outcomes. It is provided for informational and entertainment purposes only.

14. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, COLLECTNOW AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR:

• ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES
• LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR BUSINESS OPPORTUNITY
• DAMAGES RESULTING FROM YOUR USE OF OR INABILITY TO USE OUR SERVICES
• DAMAGES RESULTING FROM ANY LEGAL ACTION YOU TAKE BASED ON OUR DOCUMENTS
• DAMAGES RESULTING FROM UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR DATA
• ANY ACTIONS TAKEN BY DEBTORS, COURTS, EMPLOYERS, OR BANKS IN RESPONSE TO DOCUMENTS GENERATED BY OUR PLATFORM

OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS RELATED TO OUR SERVICES SHALL NOT EXCEED THE TOTAL AMOUNT YOU PAID TO COLLECTNOW IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IN SUCH JURISDICTIONS, OUR LIABILITY SHALL BE LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW.

15. Indemnification

You agree to indemnify, defend, and hold harmless CollectNow, its officers, directors, employees, agents, affiliates, and licensors from and against any and all claims, damages, obligations, losses, liabilities, costs, and expenses (including reasonable attorney fees) arising from:

• Your use of our services
• Your violation of these Terms of Service
• Any demand letter, court filing, or enforcement action you pursue using our platform
• Any claim by a debtor, defendant, or third party related to your use of our services
• Your violation of any law, regulation, or third-party right
• Any inaccurate information you submit through our platform

16. Privacy & Data Collection

We collect the following categories of personal information to provide our services:

• Creditor information: Name, address, email, phone number
• Debtor information: Name, address, employer, bank (as provided by you)
• Claim details: Amount owed, description of debt, evidence descriptions
• Payment information: Processed by Stripe — we do not store credit card numbers
• Usage data: IP address, browser type, pages visited, session duration

We do NOT:

• Sell your personal information to third parties
• Report debts to credit bureaus
• Share debtor information with collection agencies
• Use your data for purposes unrelated to providing our services

We may share information with service providers (Stripe for payments, USPS/Lob for mail delivery, Twilio/Telnyx for SMS) strictly as necessary to deliver our services. These providers are bound by their own privacy policies.

Your Rights

Depending on your jurisdiction, you may have the right to access, correct, delete, or port your personal data. California residents have additional rights under the CCPA. To exercise any data rights, contact us at [email protected].

17. Data Retention

We retain your data as follows:

• Account and transaction data: Retained for 3 years after your last activity for tax and legal compliance
• Generated documents: Available for download for 90 days after generation. After 90 days, documents may be deleted from our servers.
• Debtor portal data: Retained for 1 year after the last activity on the portal
• API logs: Retained for 12 months

You may request deletion of your data at any time, subject to our legal obligation to retain certain records for compliance purposes.

18. Dispute Resolution & Arbitration

PLEASE READ THIS SECTION CAREFULLY — IT AFFECTS YOUR LEGAL RIGHTS.

Any dispute, controversy, or claim arising out of or relating to these Terms of Service or your use of CollectNow shall be resolved through binding individual arbitration administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules.

Class Action Waiver: You agree to resolve disputes with us on an individual basis only. YOU WAIVE ANY RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT, CLASS ARBITRATION, OR ANY OTHER REPRESENTATIVE OR CONSOLIDATED PROCEEDING.

Jury Waiver: You waive any right to a jury trial.

Small Claims Exception: Either party may bring an individual action in small claims court as an alternative to arbitration, provided the claim falls within the court's jurisdictional limits.

30-Day Opt-Out: You may opt out of this arbitration provision by sending written notice to [email protected] within 30 days of your first use of our services. If you opt out, disputes will be resolved in the courts specified in Section 19.

19. Governing Law & Jurisdiction

These Terms of Service are governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions.

To the extent that a lawsuit is permitted under these terms (e.g., if you opt out of arbitration), you consent to the exclusive jurisdiction of the state and federal courts located in Broward County, Florida.

20. Severability

If any provision of these Terms is found to be unenforceable or invalid by a court of competent jurisdiction, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

21. Force Majeure

CollectNow shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including but not limited to: natural disasters, pandemics, government actions, war, terrorism, labor disputes, internet or telecommunications failures, power outages, or third-party service provider failures (including USPS, Stripe, SMS carriers).

22. Changes to Terms

We may update these Terms of Service at any time by posting the revised terms on our website with an updated "Last updated" date. Your continued use of CollectNow after changes are posted constitutes acceptance of the updated terms.

For material changes (changes to pricing, liability, arbitration, or data practices), we will make reasonable efforts to notify you via email if we have your email address on file. Material changes take effect 30 days after posting unless otherwise stated.

23. Entire Agreement

These Terms of Service, together with our Privacy Policy and any other policies referenced herein, constitute the entire agreement between you and CollectNow regarding your use of our services. These terms supersede all prior agreements, communications, and proposals, whether oral or written.

No waiver of any provision of these terms shall be deemed a further or continuing waiver of that provision or any other provision. Our failure to enforce any right or provision shall not constitute a waiver of that right or provision.

24. Contact Us

Questions, concerns, or requests regarding these Terms of Service: