Terms & Conditions

Last Updated: September 23, 2026

Please read these Terms and Conditions ("Terms") carefully before using our services. By accessing or using any service provided by Recovery of Judgment ("Company," "we," "us," or "our"), you agree to be bound by these Terms.



1. Acceptance of Terms

By accessing our website or engaging with our services, you confirm that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, you must not use our services.


2. Services

Recovery of Judgment provides account notifications, payment reminders, past-due balance notices, payment confirmations, and customer-support communications. The specific services provided will be outlined in any separate agreements between you and the Company.


3. User Responsibilities

You agree to:

  • Provide accurate and complete information when requested
  • Maintain the confidentiality of any account credentials
  • Notify us promptly of any unauthorized access to your account
  • Use our services only for lawful purposes
  • Comply with all applicable local, state, and federal laws

4. SMS/Text Messaging Terms

By opting in to receive SMS messages from Recovery of Judgment:

  • You consent to receive account-related SMS messages, including account notifications, payment reminders, past-due balance notices, payment confirmations, and customer-support communications
  • Message and data rates may apply
  • Message frequency varies
  • You may opt out at any time by replying STOP
  • You may request help by replying HELP
  • Consent is not a condition of any purchase
  • For help you may also email collections@recoveryofjudgment.com or call 646-863-9783

5. Intellectual Property

All content, trademarks, and intellectual property on this website are owned by or licensed to Recovery of Judgment. You may not reproduce, distribute, or create derivative works without our written consent.


6. Limitation of Liability

To the fullest extent permitted by law, Recovery of Judgment shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services.


7. Privacy

Your use of our services is also governed by our Privacy Policy, which is incorporated into these Terms by reference.


8. Modifications

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to this page. Your continued use of our services after changes are posted constitutes acceptance of the revised Terms.


9. Termination

We reserve the right to suspend or terminate your access to our services at any time, with or without cause, and with or without notice.


10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of New York, without regard to conflict of law principles.


11. Contact Us

If you have questions about these Terms, please contact us:

  • Email: collections@recoveryofjudgment.com
  • Address: 352 7th Ave Suite 907 New York, New York 10001