Terms and Conditions

Agreement to Terms

These Terms and Conditions ("Terms") govern your use of the JP Jensen Collections, LLC website located at jpjensen.com ("Website") and any services provided by JP Jensen Collections, LLC ("Company," "we," "us," or "our"). By accessing or using our Website, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our Website.

About Our Services

JP Jensen Collections, LLC is a Maryland-licensed debt collection agency (License #1677752) providing professional judgment recovery and debt collection services. Our services include:

• Judgment recovery and enforcement
• Wage and bank garnishments
• Asset investigation and discovery
• Debt collection services
• Account monitoring and reporting

Service Engagement Terms

Engagement of our debt collection services is subject to a separate written agreement between you (the creditor client) and JP Jensen Collections, LLC. Key terms of service engagements typically include:

• Contingency Basis: Our services are typically provided on a contingency fee basis, meaning fees are only collected when we successfully recover funds.
• No Guarantee of Results: While we employ professional collection practices, we cannot guarantee the collection of any debt. Recovery depends on many factors including debtor circumstances and asset availability.
• Client Responsibilities: Clients are responsible for providing accurate debtor information, valid judgment documentation, and timely responses to our requests for information.
• Exclusive Assignment: Accounts placed with us for collection are typically placed on an exclusive basis during the engagement period.

Website Use Terms

Permitted Use

You may use our Website to:

• Learn about our debt collection and judgment recovery services
• Contact us regarding potential service engagements
• Access the secure payment portal to make payments on accounts
• Review informational content about our services and the collection process

Prohibited Use

You may not:

• Use automated systems to scrape or collect data from our Website
• Attempt to gain unauthorized access to our systems or user accounts
• Use our Website for any illegal purpose or in violation of these Terms
• Submit false or misleading information through our contact forms
• Interfere with the proper functioning of our Website

Payment Terms

Our Website provides access to a secure payment portal operated by USAePay for making payments on collection accounts. By using the payment portal:

• Payment Processing: Your payment information is processed securely by our PCI DSS compliant payment processor. We do not store complete payment card numbers.
• Payment Application: Payments are applied according to applicable law and any governing judgment, typically to interest, fees, and principal in that order.
• Payment Confirmation: You will receive confirmation of successful payments. Retain this confirmation for your records.
• Disputed Payments: If you believe a payment was processed in error, contact us immediately at 410.730.1121.

FDCPA Compliance

JP Jensen Collections, LLC is committed to compliance with the Fair Debt Collection Practices Act (FDCPA) and all applicable federal and state laws governing debt collection. Important information for consumers:

• Debt Collector Disclosure: This is a communication from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.
• Validation Rights: You have the right to request validation of the debt within 30 days of receiving our initial communication.
• Dispute Rights: You have the right to dispute the debt in writing. Upon receipt of a written dispute, we will cease collection efforts until we provide verification of the debt.
• Cease Communication: You have the right to request in writing that we cease further communication with you, subject to certain exceptions permitted by law.

Copyright Notice

All content appearing on this Website is the property of JP Jensen Collections, LLC. Copyright © 2020-2025 JP Jensen Collections, LLC. All rights reserved. You are authorized to view, copy, print, and distribute content from this Website for informational purposes only, provided that any copy includes this copyright notice. Commercial use of Website content is prohibited without our express written consent.

Trademarks

All brand, product, service, and process names appearing on this Website are trademarks of their respective holders. Reference to or use of a product, service, or process does not imply recommendation, approval, affiliation, or sponsorship by JP Jensen Collections, LLC. Nothing contained herein shall be construed as conferring any license or right under any patent, copyright, trademark, or other intellectual property right of JP Jensen Collections, LLC or any third party.

Disclaimer of Warranties

THE CONTENT ON THIS WEBSITE IS PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED. JP JENSEN COLLECTIONS, LLC SPECIFICALLY DISCLAIMS ALL WARRANTIES, INCLUDING WITHOUT LIMITATION:

• WARRANTIES OF MERCHANTABILITY
• FITNESS FOR A PARTICULAR PURPOSE
• NON-INFRINGEMENT
• ACCURACY OR COMPLETENESS OF CONTENT

Information on this Website may contain technical inaccuracies or typographical errors and may be changed or updated without notice.

Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, JP JENSEN COLLECTIONS, LLC SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO:

• Your use of or inability to use our Website
• Any errors or omissions in Website content
• The outcome of any debt collection efforts
• Actions taken by debtors in response to collection activities
• Unauthorized access to or alteration of your data

Our services involve the collection of debts, which by nature cannot be guaranteed. We make no warranties regarding collection success or the recoverability of any specific debt.

No Attorney-Client Relationship

Use of this Website does not create an attorney-client relationship. JP Jensen Collections, LLC is a debt collection agency, not a law firm. Information provided on this Website is for general informational purposes only and should not be construed as legal advice. Consult with a licensed attorney for legal advice specific to your situation.

Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the State of Maryland, without regard to its conflict of law provisions.

Any disputes arising out of or related to these Terms or your use of our Website shall be resolved exclusively in the state or federal courts located in Maryland. You consent to the personal jurisdiction of such courts and waive any objection based on venue or inconvenient forum. Both parties expressly waive the right to a trial by jury.

Termination of Service

For creditor clients with active service agreements:

• Either party may terminate the service relationship according to the terms of the applicable service agreement.
• Upon termination, any fees owed for services rendered remain due and payable.
• We will return any documents provided to us, upon request, after all outstanding fees are paid.

Modifications to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to this Website. Your continued use of the Website after changes are posted constitutes your acceptance of the modified Terms. We encourage you to review these Terms periodically.

Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable while preserving the parties' original intent.

Entire Agreement

These Terms, together with our Privacy Policy and any applicable service agreements, constitute the entire agreement between you and JP Jensen Collections, LLC regarding your use of our Website. These Terms supersede all prior communications regarding Website use.

Contact Information

Questions about these Terms and Conditions should be directed to: