E-Sign Disclosure

This E-Sign Disclosure (“E-Sign Disclosure”) applies to your interaction with our Website and Digital Communications, as defined in our Terms of Use. We need your general consent to use electronic records and signatures in our relationship with you. So, before you login to the portal located on our Website, use Digital Communications, authorize Payment Plans, or use Paperless Communications, you must review and consent to the terms outlined below.

ESIGN Consent.

By logging into our Website portal or Opting-In to Digital Communications, you consent and agree that:

You can access and review this disclosure using your device.
You consent to the use of electronic records and electronic signatures.
Your electronic signature has the same legal effect as a handwritten signature.
Your consent and actions will serve as your electronic signature for purposes of providing express consent to receive digital communications.
Communications sent to or received from your provided phone number, email address, or other communication channels are attributable to you.
All digital communications are considered “in writing.”
We may provide legally required communications and other information regarding your rights and obligations electronically.
We may send communications electronically, including by: (1) email; (2) text message; (3) chat message; (4) telephone call; (5) automated, artificial voice, or prerecorded call or message; (6) through our website; or (7) other methods we designate, to the extent permitted by law.

This consent applies to: 1) Your use of our Website; 2) your use of Digital Communications; 3) Paperless Communications; 4) your authorization for Payments and Payment Plans; and 5) any related agreement.

Electronic Signature

Prior to providing your Electronic Signature, you acknowledge that you: (1) have received and can access the E-Sign Disclosure; (2) have been provided the full terms of the agreement to be signed; (3) understand your right to request paper copies and withdraw consent; (4) understand that your Electronic Signature has the same legal effect as a handwritten signature; and (5) agree to use your Electronic Signature and be bound by the applicable agreement. You may provide your Electronic Signature by: (1) replying to a request to sign via chat or text message; (2) providing your digital mark on our Website when prompted; (3) clicking a button clearly indicating acceptance, such as "Pay" or "Submit", on our Website when prompted; or (4) providing verbal authorization during a recorded call, including stating your name or otherwise affirming your agreement.

Your option to receive paper copies.

You understand that you may request paper copies of the Disclosures within 180 days of the date of the Disclosure, and that we will provide them to you by mail at no charge. You understand that you have the right to receive these Disclosures in paper form. If you want a paper copy, you can print a copy of the Communication, download the information for your records, or request a paper copy by Contacting Us, including by mail to Creditor Advocates, PO Box 1264, Prior Lake, MN 55372 or call (866) 357-7522 during normal business hours. You must include your account number, full name, address, and other identifying information to locate your account and notice.

Withdrawing ESIGN Consent.

You have the right to withdraw your ESIGN Consent at any time. Contact Us to withdraw your ESIGN Consent, or send your written request by mail to Attn: ESign Consent Withdraw Request, Creditor Advocates Inc, PO Box 1264, Prior Lake, MN 55372. The ESIGN Consent withdraw request must be communicated in a clear, deliberate, and specific way to distinguish it from other similar requests and contain sufficient information as to identify its desired intent, or as permitted by law. Include your account number, full name, address, and other identifying information to help locate your account. Your ESIGN Consent withdrawal will become effective after we have had a reasonable opportunity to act upon it. You understand and agree that if you withdraw your ESIGN Consent, we may – though we are not obligated to – terminate your access to the portal located on our Website, Digital Communications, and/or further Payments and Payment Plans.

Current Email and Electronic Contact Information.

You must promptly Contact Us of any change in your Digital Communications, including through the portal located on our Website, by email support@creditoradvocates.com or postal mail to Creditor Advocates Inc, PO Box 1264, Prior Lake, MN 55372.

Hardware and Software Requirements.

In order to access, view, sign and retain electronic Communications that we provide to you, you must have:

An up-to-date device (e.g., computer, tablet, or mobile phone) which has internet access;
A current, compatible web browser, including the current or immediately preceding version of Chrome, Internet Explorer, Firefox, Safari and Edge;
A valid Digital Communications, such as an email account, a mobile phone number to receive text messages, or a phone number to receive automated telephone calls;
An operating system on your device capable of receiving, accessing and displaying Communications in electronic form via text-formatted email or gaining access to the our Website using a supported browser, including any necessary software (e.g., Adobe to read PDF documents); and
If you wish to store or print any Communications, a device capable of storing and printing Communications.

If you use a spam filter that blocks or re-routes emails, text messages, or calls from senders not listed in your email address book, you must add relevant our Digital Communications to your email address book.

We reserve the right to discontinue support of a Current Version of software if, in our sole opinion, it suffers from a security flaw or other flaw that makes it unsuitable for use with Online Services.

Legal Effect.

By consenting, you agree that electronic Disclosures have the same meaning and effect as if we provided paper Disclosures to you. When we send you an email or other electronic notification alerting you that the Disclosure is available electronically and we do in fact make it available online, that shall have the same meaning and effect as if we provided a paper Disclosure to you, whether or not we choose to view the Disclosure, unless you had previously withdrawn your consent to receive Disclosures electronically. You understand and agree that Disclosures are considered received by yourself within 24 hours of the time posted to our Website, or at the time emailed to you unless we receive notice that the email was not delivered.

General.

You understand and agree that:

a) All communications in electronic or paper format that you receive from us will be considered “in writing;”

b) Your consent to view and sign Communications electronically does not expire and is not limited as to duration;

c) That we reserve the right to cancel this electronic Communication service, change the terms of use of this service or send Communications in paper form at any time;

d) Neither us nor our third party agents will be liable for any loss, liability, cost, expense or claim for acting upon this ESign Consent;

e) You understand and agree that wea are responsible for sending notice of the Communications to you electronically, including at the Digital Communication channel you have provided, but that we are not responsible for any delay or failure in your receipt of the email notices; and

f) Communications include important information or disclosures concerning your account and we agree to review such Communications in a timely manner.

By providing your consent, you are also confirming that you have the hardware and software described above, that you are able to receive and review electronic records, and that you have an active, personal, and secure email and you are the only one that has access to your email so as to prevent unintentional third party disclosures. You are also confirming that you are authorized to, and do, consent on behalf of all the other account owners, authorized signers, authorized representatives, and/or delegates identified with your account(s) with us.

Version 20260327 – Updated on 03/27/2026