Claims are not posted publicly until debt is verified with proper documentation.
The information on this website is NOT an attempt to collect a debt by PublicDebtRecords.org. The information displayed on this website is purely for informational purposes only and PublicDebtRecords.org is not a debt collector, nor is affiliated with, nor an agent or third-party assigned of any of the creditors listing a debt account on this website. PublicDebtRecords.org is NOT a consumer debt collector or consumer debt collection agency. For more information on the legal definition of a “debt” or to learn more about how our system works, click here.
Please note Claims NEVER go live until PROOF has been submitted of the debt. Likewise, if PROOF that the debt has been resolved or doesn't exist, we remove it from our system.
Non-commercial debts or non-retail debts such as child-support payments cannot be posted on our platform
Should the debtor or creditor provide proof that any claims are related to such items, they will be denied or removed from our system.
At any time, if the debtor or creditor provides proof of bankruptcy, the claim will either be denied public access OR it will be removed from the public record.
We are not responsible for collecting money from a debtor. We do not touch money and have nothing to do with any collection transaction. If a debtor is represented by counsel, PublicDebtRecords.org under any state cannot contact the consumer or debtor directly. There are certain notices to send to the debtor’s attorney that will waive this requirement under Federal law.
PublicDebtRecords will not try to contact debtors at the following times: Before 8:00 A.M. or after 9:00 P.M. local time (for the consumer) is presumed to be inconvenient unless contrary circumstances are known. 15 U.S.C.A. § 1692c(a)(1) (West 1998); see also United States v. Central Adjustment Bureau, Inc., 667 F. Supp. 370 (N.D. Tex.1986), aff’d as modified on other grounds, 823 F.2d 880 (5th Cir. 1987). For purposes of this rule, the term consumer includes the consumer’s spouse, guardian, executor, administrator, or parent (if the consumer is a minor). 15 U.S.C.A. § 1692c(d).
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