Our Privacy Policy

At DebtCollectionAnswers.com we are dedicated to protecting your data and privacy. DebtCollectionAnswers.com is published and owned by Ultimate Credit Solutions Inc.

We recognize that your privacy is important. This document outlines the types of personal information we receive and collect when you use DebtCollectionAnswers.com, as well as some of the steps we take to safeguard information. This will help you make an informed decision about sharing personal information with us.

DebtCollectionAnswers.com strives to maintain the highest standards of decency, fairness and integrity in all our operations. Likewise, we are dedicated to protecting our customers' and online visitors' privacy on our website.

DebtCollectionAnswers.com can only answer questions and help individuals in the United States of America. If you are located outside the U.S. please do not use this site.

About Our Cookies

A cookie is a string of information that DebtCollectionAnswers.com stores on your computer, which your browser provides to DebtCollectionAnswers.com each time you return to the site. We use cookies to help us identify and track visitors, their use of our website, and their website access preferences.

Google Analytics Cookies

DebtCollectionAnswers.com uses Google Analytics to analyze the use of this website. Google Analytics collects demographic and interest data, and generates statistical and other information about website use, by means of cookies. These cookies are kept on your computer. We share this information with Google, which will store and use this information on its servers. Google's privacy policy is available here.

DebtCollectionAnswers.com uses information from Google Analytics to track the number of visits to the website, browsers and operating systems. No personally identifiable information is obtained from these cookies. We use the information that Google Analytics generates relating to our website to create reports about the use of the site. These reports allow us to update the site and improve your usage of it.

If you do not wish your data to be collected via Google Analytics, you can install its opt-out browser extension or add-on here.

Advertising Cookies

We use third-party advertising companies to serve ads on our website. These companies use cookies and web beacons in their ads to ascertain how many times you've seen an advertisement. We share this information with these companies, but do not provide them with any personally identifiable information for cookie or web beacon use, so they cannot personally identify you with that information from our website.

You may opt out of personalized ads for over 125 different ad networks. Click here to do that. 

Some third-party advertisements are served by Google. Google's cookie enables it to serve ads to our visitors based on their visits to other sites on the Web. You may opt out of personalized ads by visiting the Google ad opt-out page

This link from Google provides more information about how Google manages data in its ad products.

Affiliate Products and Services

We receive an affiliate commission for some of the products and services sold on DebtCollectionAnswers.com.

The affiliate services platforms we use are Amazon, Debt.com, Debitize.com, HelloResolve, JustAnswer.com, and Lifetime Debt Solutions.

By clicking on a product or service link, you consent to that platform's use of cookies, as outlined in the link below.

Amazon privacy policy

Resolve privacy policy

Debt.com privacy policy

Lifetime Debt Solutions privacy policy

JustAnswer.com privacy policy

Retargeting Ads and Tracking Pixels

DebtCollectionAnswers.com may use retargeting ads, which require the setting of cookies in your browser.

DebtCollectionAnswers.com uses Facebook pixels to determine the effectiveness of some Facebook ad campaigns. You can change your Facebook ad settings here

Refusing Cookies

You can set your browser to accept or refuse all cookies automatically, or notify you when a cookie is being requested. Taking this action should not cause a problem with the continued use of our site. Consult the Help section of your browser for guidance on how to refuse all cookies or to notify you when a cookie is requested.

If you choose to refuse DebtCollectionAnswers.com's cookies, you may not be able to fully experience the interactive features of the site.

Personally Identifiable Information

DebtCollectionAnswers.com may collect and use your personal information for the following purposes:

  • To run and operate our site.
  • To display content on the site correctly.
  • To improve customer service.
  • To help us respond to your customer service requests and support needs more efficiently.
  • To personalize your user experience.
  • To understand how our users as a group use the services and resources provided on our site.
  • To improve our site.
  • To improve our products and services.
  • To run a promotion, contest, survey or other site feature.
  • To send information to you that you agreed to receive about topics we think will be of interest to you.
  • To send periodic emails, which may include electronic newsletters and/or autoresponder series of emails.
  • To respond to your enquiries, questions, and/or other requests.

DebtCollectionAnswers.com may collect personally identifiable information from you in a variety of ways, including, but not limited to, when you visit our site, register on the site, or fill out a form, and in connection with other activities, services, features or resources we make available on our site.

Specifically, if you subscribe to our newsletter, we will ask for your first name and will require your email address.

If you complete a form, we will require your name and your email address, and will ask for information relevant to the purpose of the form.

If you submit content to us, we will ask for your name and email address. Photos you include with your submission, or details in your submission, may personally identify you.

If you request to be notified about comments on any content you submit to us, or request to be notified when others submit content, we will require your first name and your email address.

If you submit questions or comments on questions on this site, or answer questions on this site,  your questions, comments and answers are not not private or confidential. This is an Internet-based forum and information submitted in such posts may be read, collected, and used by others, and DebtCollectionAnswers.com is not responsible for it.  For example, search engines may index your questions, comments, and answers to allow them to appear in search engine results (e.g. if someone does a search on google.com, your questions, comments, or answers, that relate to the search may appear in the google.com search results list). Protect your privacy by not including your real name or any personally identifiable information (PII) such as your name, address, account numbers etc. in your questions, comments, or answers on the Site.

You can always refuse to supply personally identifiable information and visit our site anonymously. However, it may prevent you from engaging in certain site-related activities.

If we make material changes in the collection of personally identifiable information, we will inform you by placing a notice on our site. We will use personal information received from you for internal purposes only and will not sell it or provide it to third parties.

We also collect each visitor's IP address, which helps us combat spam and fraud. We do not use IP addresses for any other purpose.

DebtCollectionAnswers.com contains links to other websites that may be of interest to you. However, once you have used them to leave our site, we do not have any control over that other website. Therefore, we cannot be responsible for the protection and privacy of any information you provide while visiting such sites. These sites are not governed by this privacy statement. Always exercise caution by reviewing the privacy statement of the website in question before continuing to use it.

Non-personally Identifiable Information

We may collect non-personally identifiable information about you whenever you interact with our site. Non-personally identifiable information may include the browser name, the type of computer and technical information about your method of connecting to our site, such as the operating system and the Internet service provider you used, and other similar information.

Children's Privacy Protection

This website is directed to adults. It is not directed to children under the age of 16. We operate our site in compliance with current regulations. Anyone under the age of 16 must provide parental consent to use this site. We do not knowingly collect or use personally identifiable information from anyone under 16 years of age.

Release of Information

If we sell DebtCollectionAnswers.com, the information we have obtained from you through your voluntary participation in our site may transfer to the new owner as a part of the sale so that the service provided to you may continue. In that event, you will receive notice through our website of that change in control and practices, and we will make reasonable efforts to ensure that the purchaser honors any opt-out requests you might make.

Data Storage

Personally identifiable information and non-personally identifiable information collected by this site  is stored on our host's servers. That host is SiteSell Inc., located at 1000 Saint-Jean Boulevard, Suite 702, Pointe-Claire, QC H9R 5P1 Canada.

If you wish to review your information stored on the SiteSell servers for DebtCollectionAnswers.com, click on this link .

Some information is collected by third-party services. These include Amazon.com, Debt.com, JustAnswer.com, Resolve, and Lifetime Debt Solutions. Link to the privacy policies for each of these sites may be found above. 

How You Can Correct or Remove Information

We provide this privacy policy as a statement to you of our commitment to protect your personally identifiable information. If you have submitted personally identifiable information through our website and would like to update that information or have it deleted from our records, click on this link


Your California Privacy Rights

The CCPA provides California residents with specific rights regarding their personal information. This notice describes your CCPA rights and explains how to exercise those rights. This notice also includes information regarding the collection, use, disclosure, and sale of personal information and the rights of consumers regarding their own personal information. 

Information you provide to us is used for business purposes. The CCPA outlines several categories for which personal information may be used under business purposes, including: auditing, security, debugging/repair, certain short-term uses, performing services, internal research for technology development, as well as for quality and safety maintenance and verification.

DebtCollectionAnswers.com uses the following categories of personal information for business purposes collected about consumers. The following have been disclosed under a business purpose within the last twelve (12) months:

  • Identifiers. A real name (optional, if provided), postal address, email address, online identifier, IP address, personal preferences and attributes via cookies, or other similar identifiers. 
  • Other information you provide to us. Other information you voluntarily provide, such as information about your debts or financial situation whether to ask a question or to request a case evaluation. This category also includes information you provide us through customer service correspondence and general feedback.

You may opt out of the sharing of your Personally Identifiable Information with third parties by submitting a request in writing to Ultimate Credit Solutions Inc./DebtCollectionAnswers.com, 5317 Fruitville Road #122, Sarasota FL 34232 or by emailing us at privacy@debtcollectionanswers.com.

California law also permits residents of California to request and to obtain from us once per year a list of third parties (if any) to whom we have disclosed Personally Identifiable Information for their direct marketing purposes in the prior calendar year, as well as the type of Personally Identifiable Information that was disclosed.

If you are a California resident and wish to submit such a request, please contact us at Ultimate Credit Solutions Inc./DebtCollectionAnswers.com, 5317 Fruitville Road #122, Sarasota FL 34232 or by emailing us at privacy@debtcollectionanswers.com. Be sure to include the phrase “Your California Privacy Rights” in the email subject line or in your letter, as well as your name, street address, city, state, and zip code.

We do not honor “do not track” signals and do track, use cookies, or use advertising when a “do not track” mechanism is in place

We do authorize the collection of Personally Identifiable Information from our users for third party use through advertising technologies.

Right to Non-Discrimination

Ultimate Credit Solutions Inc. will not discriminate against you for exercising your rights under the CCPA. If you have exercised your rights under the CCPA, some services may not be available to you when directly related to the collection of your information, as permitted by the CCPA. 

Updates and Effective Date

DebtCollectionAnswers.com reserves the right to make changes in this policy. If there is a material change in our cookie and privacy practices, we will indicate on our site that those practices have changed and provide a link to the updated privacy policy. We encourage you to periodically review this policy so that you will know what information we collect and how we use it.

Agreeing to Terms

If you do not agree to DebtCollectionAnswers.com's privacy policy as posted here on this website, please do not consent to the setting of cookies and the collection and storage of your personally identifiable information.

Your explicit consent indicates acceptance of this privacy policy in its entirety.

DebtCollectionAnswers.com is published by Ultimate Credit Solutions Inc., 5317 Fruitville Road #122, Sarasota FL 34232. 

Last updated: November 14, 2020

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