Privacy Policy

1. Who We Are

Great Lakes Recovery Solutions ("Company", "we", "our", "us") operates a judgment-recovery platform that evaluates civil court judgments for potential purchase or assignment. Once a judgment is assigned, we become the legal judgment creditor and enforce the judgment in our own name.

This Privacy Policy explains how we collect, use, store, and protect personal information of:

• Original judgment creditors submitting judgments for evaluation
• Judgment debtors whose data is contained in those judgments
• Third parties involved in enforcement actions
• Users of our website, portal, and services

Because we operate as an assignee-creditor, not a collection agency, we handle sensitive information strictly for legally permissible purposes, consistent with federal and state law and court privacy rules.

2. Information We Collect

2.1 Information Submitted by Creditors

When you submit a judgment to us, we collect:

• Your name, contact information
• Judgment documents
• Supporting evidence or supplemental materials
• Payment details (if receiving proceeds from collections)

2.2 Information About Judgment Debtors

We may collect or obtain debtor data contained in court filings, public records, and skip-tracing sources, including:

• Names, aliases, addresses, phone numbers
• Partial SSN (only last 4 digits), partial DOB (year only)
• Publicly recorded financial information
• Employment or income information
• Bank or financial account identifiers (redacted to legal limits)
• Real property and asset records

We never collect, display, or store full SSNs, full DOBs, or full account numbers in customer-facing documents, consistent with Federal Rule of Civil Procedure 5.2 and state privacy rules.

2.3 Technical Information

We may collect:

• IP addresses
• Device information
• Usage logs
• Portal authentication metadata

3. How We Use Information

We use collected information only for legally permissible judgment enforcement activities, including:

• Evaluating judgments for assignment
• Executing assignment documents
• Filing court documents
• Conducting post-judgment discovery
• Locating debtor assets using permissible-purpose data sources
• Directing levying officers
• Processing debtor payments
• Remitting creditor proceeds

We do not sell personal data for marketing purposes.

4. Legal Basis for Processing

We process data based on:

• Legitimate interest as the legal assignee-creditor
• Compliance with court rules and statutory enforcement procedures
• Contractual requirements between you and us
• Permissible-purpose rules required by data vendors
• Legal obligations such as responding to subpoenas or court orders

5. Data Sources

We may collect data from:

• Documents you upload
• Federal, state, and county public record databases
• Courts and filings
• Employment or banking subpoenas
• Third-party skip tracing providers
• Credit-related permissible-purpose vendors

Each vendor has its own "end-user" agreement, and we strictly follow those rules. Any misuse results in immediate termination of access; therefore, we restrict internal access tightly.

6. How We Protect Your Data

We employ:

• Role-based access controls
• Encryption in transit and at rest
• Data redaction compliant with court filing rules
• Secure storage isolated from public access
• Logging and audit trails
• Mandatory compliance with third-party vendor privacy policies

We never store full credit bureau data inside the customer portal.

7. Sharing of Information

We may share information only with:

• Courts and clerks
• Notaries (including remote online notaries such as Proof.com)
• Levying officers (sheriffs/constables)
• Financial institutions served with legal process
• Employers served with garnishments
• Third-party service providers strictly for enforcement
• State agencies (when legally required)

We never share data with external parties for marketing.

8. Judgment Debtor Notice

Debtor information is collected strictly for:

• Enforcement of a legally assigned judgment
• Compliance with statutory procedures
• Execution of lawful wage garnishments, levies, and discovery requests

Debtors may request information regarding:

• Amount owed
• Records of payment
• Accuracy of identifiable information

We will delete debtor data only when legally permissible; court documents and statutory records cannot be deleted.

9. Data Retention

We retain data:

• For as long as a judgment remains enforceable
• As required by law for financial and judicial recordkeeping
• No less than the statutory enforcement period (varies by state)

10. Your Rights

Depending on your jurisdiction, you may have rights to:

• Access your information
• Request corrections
• Request limits on processing

We reserve the right to deny deletion requests where prohibited by law.

11. Changes to Policy

We may update this policy and will notify users of material changes.

12. Contact

For questions about this Privacy Policy, please contact: