Regulatory Compliance

Judgment Recovery Is Not a Collection Agency

Because all judgments handled by our business are assigned to us, we operate as the legal judgment creditor and enforce judgments on our own behalf.

This means:

• We do not collect debts on behalf of others
• We are not a third-party collection agency
• We are not subject to FDCPA provisions relating to consumer third-party collections
• We must avoid using words like "client," "represent," or "law firm"

These principles match nationwide case law and the judgment-recovery training framework used in our operations.

Licensing

Most states do not require a collection agency license because we collect only debts we legally own.

We comply with:

• State civil procedure rules
• Federal privacy rules (FRCP 5.2)
• Permissible-purpose requirements of credit and skip-tracing vendors
• Data security standards for sensitive information
• All court rules governing assignment, filing, and enforcement

Permissible Use of Credit Data

We access data only:

• For legally assigned judgments
• With strict adherence to the end-user agreements of each vendor

Unauthorized access is prohibited and monitored.

Data Protection

We maintain:

• Encryption in transit and at rest
• Role-based access controls
• Redaction rules compliant with FRCP 5.2
• Secure document retention

Operating States

Great Lakes Recovery Solutions primarily operates in:

• Michigan
• Indiana
• Illinois
• Wisconsin
• Minnesota

We comply with all applicable state and federal laws in each jurisdiction.

Not a Law Firm

Great Lakes Recovery Solutions is not a law firm and does not provide legal advice.

We enforce judgments we own using lawful procedures available to judgment creditors. We do not represent creditors or provide legal services.

Questions About Compliance

For regulatory or compliance inquiries, please contact: