FDCPA Statement

Fix Failed Payments (“Fix Failed Payments”) operates fixfailedpayments.com as a commercial software site. Nothing on this website, in our marketing, or in our product sign-in pages is a communication in connection with the collection of a debt. We are not writing to you about an account you owe.

Under the Fair Debt Collection Practices Act, 15 U.S.C. § 1692a(6), a “debt collector” is generally a person who regularly collects, or attempts to collect, debts owed or due another. Fix Failed Payments is a software vendor. We:

• Do not buy, own, or hold consumer debts
• Do not collect or attempt to collect consumer debts on our own behalf or as a collection agency
• Do not take assignment of accounts for collection
• Do not determine that a particular consumer owes money

Our customers are typically third-party collection agencies, creditors’ collection departments, or related servicers. Those customers — not Fix Failed Payments — decide whom to contact, what to say, and whether a message is sent.

If a collection communication directed you here, the sender is the agency or creditor named in that message. For the mini-Miranda, validation notice, dispute rights, and payment instructions, rely on that communication and on the collector’s own disclosures — not on this page.

Please contact the organization identified in the message to:

• Dispute the debt or request validation
• Update your address or contact preferences
• Discuss payment, hardship, or a cease-communication request
• Ask who the original creditor is

Fix Failed Payments cannot look up your account, reverse a collection decision, or stop a customer from contacting you. We do not have a consumer-facing collections desk. If you believe a message misused our name or website, email hello@fixfailedpayments.com with a copy of the communication (and we may notify the relevant customer). That is not a substitute for exercising your FDCPA or Regulation F rights with the collector.

The Service is designed to help collection teams apply required disclosures, avoid prohibited phrases, respect consent and quiet hours, and keep an audit trail. Those features support compliance programs; they do not make Fix Failed Payments a debt collector, and they do not shift statutory duties from the customer to us.

Customers remain responsible for the content they approve and send, for state overlays (for example Rosenthal in California), and for using human review. Model-generated drafts can be wrong. See our Terms of Service.

This statement is an explanation of our role. It is not legal advice to collectors or to consumers, and it is not a mini-Miranda or validation notice. Collection agencies should obtain counsel on their own FDCPA, Regulation F, TCPA, and state-law obligations.

Business and product inquiries: hello@fixfailedpayments.com. Privacy practices are described in our Privacy Policy.