Terms of Use

Effective date: July 31, 2026

These Terms of Use govern your access to and use of Prime Recovery LLC's website, payment portal, account-access tools, and related online services. By using the portal, you agree to these terms.

Authorized Use

You may use the portal only if you are the consumer associated with the account or are legally authorized to act on that consumer's behalf. You may not access another person's account without authorization.

Account Information

The portal may display account information received from Prime Recovery's clients, creditors, debt buyers, service providers, and internal records. If you believe information is incorrect, contact Prime Recovery at 855-744-0719 and use your reference number.

Payments and Payment Arrangements

Payments are processed through USAePay/North American Holdings LLC. A payment, payment arrangement, or saved payment setup is not complete unless the payment processor confirms approval or saved payment information and Prime Recovery receives the completed result.

Future scheduled payments may be processed according to the payment arrangement you authorize. You are responsible for ensuring sufficient funds, accurate payment information, and continued authorization for scheduled payments.

Returned, Rejected, or Declined Payments

If a payment is declined, rejected, returned, reversed, charged back, or otherwise not completed, Prime Recovery may treat the payment as not made and may update your account according to applicable law, your agreement, and Prime Recovery's policies. You may need to contact Prime Recovery or use the portal to resolve the missed payment.

Changing or Cancelling Scheduled Payments

If you need to change or cancel a scheduled payment or payment arrangement, contact Prime Recovery at 855-744-0719 before the scheduled processing date. Requests made after a payment has begun processing may not stop that payment. A change or cancellation is not effective unless confirmed by Prime Recovery.

Settlement Offers

Settlement offers are subject to the terms shown in the portal or otherwise confirmed by Prime Recovery. A settlement is not complete unless all required settlement payments are received and cleared by the required dates. Missed, returned, or reversed payments may void a settlement offer unless Prime Recovery confirms otherwise.

Receipts and Records

You should keep your USAePay receipts, portal confirmations, and any communications from Prime Recovery for your records. Prime Recovery may also maintain portal logs, payment records, acceptance records, and communication records.

No Legal or Financial Advice

The portal is provided to review account information and available payment or settlement options. It does not provide legal, tax, credit, or financial advice.

No Waiver or Modification

Displaying payment options, accepting a payment, or allowing portal access does not waive any rights or modify account terms unless Prime Recovery expressly confirms that in writing.

Acceptable Use

You agree not to misuse the portal, attempt unauthorized access, interfere with portal operation, submit false information, reverse engineer portal systems, or use the portal for unlawful purposes.

Privacy

Your use of the portal is also governed by Prime Recovery's Privacy Policy.

Availability and Errors

Prime Recovery may update, suspend, or restrict portal access at any time. If a technical issue, display error, duplicate entry, payment-processing issue, or incorrect account value appears, Prime Recovery may review and correct the account record.

Changes to These Terms

Prime Recovery may update these Terms of Use from time to time. The updated version will be posted on our website with a new effective date.

Contact Us

If you have questions about these Terms of Use or your account, contact Prime Recovery LLC at 855-744-0719.