1. Introduction

These Terms and Conditions ("Terms") govern your use of the American Compliance Legal Services website and all related services (collectively, the "Services"). By accessing or using our Services, you agree to be bound by these Terms.

American Compliance Legal Services ("ACLS," "we," "us," or "our") is a licensed affidavit consulting and debt resolution service. We work with creditors and debt collectors to facilitate the resolution of outstanding financial obligations.

2. Debt Collection Disclosure

In accordance with the Fair Debt Collection Practices Act (FDCPA) and applicable state laws, we provide the following disclosures:

• We are attempting to collect a debt on behalf of our clients
• Any information you provide may be used for debt collection purposes
• You have certain rights under federal and state law regarding debt collection
• Upon request, we will provide verification of the debt

3. Services Description

ACLS provides the following services:

• Debt Resolution: Facilitating communication between debtors and creditors to resolve outstanding obligations
• Settlement Negotiation: Negotiating potential settlement offers on behalf of creditors
• Affidavit Preparation: Preparing legal documentation related to debt resolution
• Payment Processing: Accepting and processing payments for debt resolution

4. Your Rights

4.1 Right to Dispute

You have the right to dispute the validity of the debt within 30 days of receiving our initial communication. If you dispute the debt in writing within this period, we will obtain verification of the debt and provide it to you.

4.2 Right to Request Verification

You may request the name and address of the original creditor, if different from the current creditor. We will provide this information upon written request.

4.3 Cease Communication

You have the right to request that we cease communication with you. If you notify us in writing, we will stop contacting you except to notify you of specific legal actions or to confirm that collection efforts are being terminated.

5. Payment Terms

If you choose to resolve your debt through our Services:

• All payments must be made through approved payment methods
• Payment arrangements must be adhered to as agreed
• Failure to make agreed-upon payments may result in resumption of collection activities
• All settlements are subject to creditor approval
• You will receive written confirmation of any settlement agreement

6. Privacy and Data Protection

We collect and process personal information in accordance with our Privacy Policy. By using our Services, you consent to such collection and processing. We implement appropriate security measures to protect your information.

For complete details on how we handle your information, please review our Privacy Policy.

7. Limitation of Liability

To the maximum extent permitted by law, ACLS shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use of our Services.

Our total liability shall not exceed the amount of any fees paid by you for our Services.

8. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be resolved in the courts of Harris County, Texas.

9. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to our website. Your continued use of our Services after any changes constitutes acceptance of the modified Terms.

10. Contact Information

If you have questions about these Terms or wish to exercise your rights, please contact us:

11. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that these Terms shall otherwise remain in full force and effect.