TERMS OF USE

Last Updated – June 18, 2026

1. ACCEPTANCE OF TERMS

J.J. Marshall & Associates, Inc. (“J.J. Marshall,” “we,” “us,” or “our”) provides this website and website-related services (collectively, the “Site”) subject to your compliance with the terms and conditions outlined in this agreement (the “Agreement”). This Agreement governs the relationship between us and you, the Site visitor (“you,” “your,” or “users”), concerning your use of the Site.

BY ACCESSING OR USING THE SITE, YOU AGREE TO BE BOUND BY THIS AGREEMENT. If you do not agree to these terms and conditions, you must not use the Site.

Your use of this Site is also subject to J.J. Marshall’s Privacy Policy, which is incorporated herein by reference. A current version of our Privacy Policy is available by selecting the “Privacy Policy” link on our website.

J.J. Marshall & Associates, Inc. is a debt collector. This is a communication from a debt collector. This is an attempt to collect a debt, and any information obtained will be used for that purpose. By accessing or using the Site, you acknowledge that J.J. Marshall is a debt collector.

2. ELIGIBILITY AND SCOPE

This Site is operated by J.J. Marshall from its location in the United States. Although the Site may be accessible worldwide, J.J. Marshall provides debt collection services within the United States. This website is intended for individuals over the age of 18 years who are located in the United States.

The Site is provided to allow consumers and authorized representatives to:

View account-related information
Make voluntary payments
Submit inquiries or documentation
Communicate electronically regarding an account

Use of this Site does not constitute legal advice and does not replace any rights provided under federal or state law.

You may use the Site only if:

You are the consumer associated with the account, or
You are an authorized representative or attorney acting on behalf of the consumer.

You must not access or attempt to access another individual’s account, or misrepresent your identity or authority. Unauthorized use may result in suspended access and legal action.

3. MODIFICATIONS TO THE AGREEMENT AND SITE

We may, at any time, at our sole discretion, revise or otherwise update this Agreement by posting an amended Agreement on the Site; any changes that we make to this Agreement will be effective immediately upon posting. Please check this page periodically for changes to the Agreement; you will be able to determine if this Agreement has been changed since your previous visit by viewing the “Last Updated” information that appears at the top of this Agreement.

Further, we reserve the right, at any time, to modify or discontinue, temporarily or permanently, the Site (or any part thereof) without notice. You agree that we shall not be liable to you or any third party for any modification, suspension, or discontinuance of the Site.

4. RULES OF CONDUCT

You agree to comply with all applicable laws, rules, and regulations in accessing and/or using the Site. In addition, your use of the Site is conditioned on your compliance with the following rules of conduct:

You agree not to:

Use the Site for any fraudulent or unlawful purpose
Impersonate any person or entity, or falsely state or misrepresent your identity or affiliation
Interfere with or disrupt the operation of the Site
Transmit or make available any harmful code, virus, worm, or Trojan Horse
Restrict or inhibit any other person from using the Site
Violate any person’s privacy rights or harvest personally identifiable information without consent
Sell, resell, transfer, license, or exploit the Site for commercial purposes
Modify, adapt, translate, reverse engineer, decompile, or disassemble any portion of the Site
Frame or mirror any part of the Site without our prior written authorization
Use any robot, spider, or automated device to access the Site
Attempt to gain unauthorized access to any portion of the Site or any systems or networks connected to the Site

If J.J. Marshall, in its sole discretion, believes that you have engaged in any activities restricted by these Terms or by law, your use of the Site terminates automatically without notice to you.

5. INTELLECTUAL PROPERTY RIGHTS

The Site and all content, materials, information, or services on the Site are the property of J.J. Marshall and/or its licensors and are protected by copyright, trademark, and other proprietary rights and laws.

Except as expressly authorized in advance by us, you agree not to copy, distribute, transmit, display, perform, or create derivative works of the Site or any materials contained therein. We do grant you a limited, personal, revocable, non-transferable, and non-sublicensable license to access the Site via the Internet solely for purposes of viewing such materials and to print out pages of the Site for your personal, non-commercial use.

All trade names, trademarks, and service marks on the Site that are not owned by us are the property of their respective owners. Nothing on the Site should be construed as granting any right or license to use any trade names, trademarks, or service marks without the prior express written permission of the owner.

6. PRIVACY

Your use of this Site is subject to our Privacy Policy. By using the Site, you acknowledge and agree that Internet transmissions are never completely private or secure. You understand that any message or information you send to the Site may be read or intercepted by others, even if there is a special notice that a particular transmission is encrypted.

7. SECURITY AND ACCOUNT ACCESS

If you create an account or access password-protected areas of the Site, you are entirely responsible for maintaining the confidentiality of your account information, including any password, and for any activity that occurs under your account as a result of your failing to keep this information secure and confidential.

You agree to notify J.J. Marshall immediately of any unauthorized use of your account or any other breach of security. You may be held liable for losses incurred by J.J. Marshall or any other user of the Site due to someone else using your account as a result of your failure to keep your account information secure and confidential.

You may not use anyone else’s account at any time without the express permission and consent of the account holder.

8. ELECTRONIC COMMUNICATIONS CONSENT

By using the Site, you consent to receive communications from J.J. Marshall electronically, including:

Account information and statements
Payment confirmations and receipts
Notices related to your use of the Site
Required disclosures and notifications

This consent is provided pursuant to the Electronic Signatures in Global and National Commerce Act (E-SIGN Act) and applicable state law. Your consent to receive electronic communications does not waive your right to receive legally required notices by mail where applicable.

Withdrawing Consent. You may withdraw your consent to receive electronic communications or request paper copies of any communication by contacting us using the information provided in the “Contact Information” section of these Terms. If you withdraw consent, we may limit or suspend certain features of the Site that require electronic communication.

Updating Your Information. You are responsible for keeping your email address and other contact information current. If your email address or phone number changes, you must promptly update your information by contacting us.

By electing to receive email communications from J.J. Marshall, you confirm and agree to the following:

You have read this Email Communication Policy and Disclosure, and you authorize J.J. Marshall to communicate with you by email regarding your account(s).
The email address you provide is a personal email address and is not provided by your employer. By providing a work or government email address, you acknowledge and consent to the receipt of communications from J.J. Marshall at that address, and you acknowledge that third parties may have access to those communications. You understand and waive any claims regarding third-party disclosure of such communications.
Only you have access to emails sent to and from the email address you provide.
You agree to take reasonable precautions to protect the confidentiality of email communications with J.J. Marshall, which may contain private, sensitive, or confidential information.
To the extent that any third-party disclosure of email communications with J.J. Marshall occurs, you consent to such disclosure.
You authorize J.J. Marshall to send account-related documents to your authorized email address.
If you make or schedule a payment or payment arrangement before 8:00 AM or after 9:00 PM in your local time zone, and you have consented to receive email communications, you agree to receive emails related to your Site activity at or near the time of that activity.
J.J. Marshall is not responsible for any delays or failures in the delivery of email communications due to issues with your email service provider or other technical problems beyond our control.
You may opt out of email communications at any time by contacting us at [email protected] or by calling 888-233-6910 or (586) 992-3200.

To communicate with you via text message, J.J. Marshall requires your consent. By consenting to receive text message communications from J.J. Marshall, you confirm and agree to the following:

You have read this Text Message Communication Consent Policy and Disclosure, and you authorize J.J. Marshall to communicate with you by text message regarding your account(s).
By providing us with your mobile number and opting-in, you give JJ Marshall permission to send you account-related text messages, like payment reminders and notifications, in conjunction with the services you have requested. Message frequency may vary by account. Message and data rates may apply. To opt-out, text STOP to any text message we send you. An opt-out confirmation message will be sent to you. To request support, text HELP to any text message we send you or email us at [email protected]. If your handset does not support MMS, any MMS messages sent may be delivered as SMS messages. Wireless carriers are not liable for undelivered or delayed messages.
Standard message and data rates may apply depending on your mobile carrier and plan. You are responsible for any charges incurred for receiving text messages.
The phone number you provide is a personal phone number and is not provided by your employer. By providing a work or government phone number, you acknowledge and consent to the receipt of communications from J.J. Marshall at that number, and you acknowledge that third parties may have access to those communications. You understand and waive any claims regarding third-party disclosure of such communications.
Only you have access to text message communications sent to and from the phone number you provide.
You agree to take reasonable precautions to protect the confidentiality of text message communications with J.J. Marshall, which may contain private, sensitive, or confidential information.
To the extent that any third-party disclosure of text message communications with J.J. Marshall occurs, you consent to such disclosure.
You authorize J.J. Marshall to send account-related communications to your authorized phone number.
If you make or schedule a payment or payment arrangement before 8:00 AM or after 9:00 PM in your local time zone, and you have consented to receive text message communications, you agree to receive text messages related to your Site activity at or near the time of that activity.
J.J. Marshall is not responsible for any delays or failures in the delivery of text messages due to issues with your mobile carrier or other technical problems beyond our control.
You may opt out of receiving text messages at any time by replying “STOP” to any text message you receive from us or by contacting us at [email protected] or 888-233-6910 or (586) 992-3200. After opting out, you will receive a confirmation message, and we will cease sending text messages to your number. Opting out may affect your ability to receive certain account-related communications.
If you need assistance or have questions about our text message service, text HELP to any text message we send you, email us at [email protected], or call 888-233-6910 or (586) 992-3200.
Your mobile phone number and other personal information will be handled in accordance with our Privacy Policy. We do not sell or share your phone number with third parties except as required by law. If your handset does not support MMS, any MMS messages sent may be delivered as SMS messages. Wireless carriers are not liable for undelivered or delayed messages.

9. PAYMENTS AND PAYMENT PROCESSING

If you choose to make a payment through the Site:

Payments are voluntary.
You authorize the selected payment method for the amount you enter.
Payment posting may not be immediate. Account balances displayed on the Site may not accurately reflect recent payments due to delays in the receipt, processing, and application of payments, including payments submitted through courts, third-party processors, or other intermediaries. You should contact us directly to confirm your current account balance before relying on Site-displayed information for any purpose.
Collection activity may continue until payment is successfully processed and applied.
Returned or rejected payments (including NSF, chargebacks, or reversals) may result in additional collection activity, subject to applicable law.
Making a payment or scheduling a payment arrangement through the Site does not guarantee that collection or legal activity on your account will cease. You acknowledge that despite your payment(s) or payment arrangement(s), you may still have legal obligations related to your account(s), and the creditor and/or J.J. Marshall may continue to pursue collection activity or legal action as permitted by applicable law.

Payment processing may be handled by third-party service providers. We are not responsible for third-party service outages or processing delays beyond our control.

ACH AND ELECTRONIC PAYMENT AUTHORIZATION

If you authorize an ACH or electronic debit through the Site:

You authorize a one-time or recurring debit from your designated account as disclosed at the time of authorization.
You may revoke authorization by contacting us before the scheduled processing date, subject to applicable NACHA rules and regulations.
Revocation does not affect payment obligations already incurred or payments already in process.
Additional ACH terms may apply and will be disclosed separately where required.

10. DISPUTES, VALIDATION REQUESTS, AND CONSUMER RIGHTS

Use of the Site is not required to:

Dispute a debt
Request validation of a debt
Request cessation of communications

Your statutory rights under the Fair Debt Collection Practices Act, Regulation F, and applicable state law are not waived or modified by your use of this Site. Instructions for submitting disputes or requests are available by contacting us at 888-233-6910 or (586) 992-3200, by email at [email protected], or by mail to J.J. Marshall, 28820 Mound Rd., Warren, MI 48092.

11. ACCURACY OF INFORMATION

Information displayed on the Site is provided for convenience and may not reflect real-time updates. We do not guarantee that all information displayed is always complete or current. Account balances displayed on the Site may not accurately reflect recent payments due to delays in the receipt, processing, and application of payments, including payments submitted through courts, third-party processors, or other intermediaries. You should contact us directly to confirm your current account balance before relying on Site-displayed information for any purpose.

12. ACCESSIBILITY

We are committed to providing accessible services consistent with applicable law. If you require assistance accessing the Site or need accommodations, please contact us at 888-233-6910 or (586) 992-3200 or [email protected].

13. LIMITATION OF LIABILITY

YOU AGREE THAT J.J. MARSHALL, AND ANY OF ITS RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS WILL NOT BE LIABLE, WHETHER IN CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, FOR ANY DIRECT, PUNITIVE, SPECIAL, CONSEQUENTIAL, INCIDENTAL OR INDIRECT DAMAGES (INCLUDING WITHOUT LIMITATION LOST PROFITS OR LOST OPPORTUNITY) ARISING OUT OF OR IN CONNECTION WITH THE USE OF THE SITE, OR WITH THE DELAY OR INABILITY TO USE THE SITE, EVEN IF J.J. MARSHALL IS MADE AWARE OF THE POSSIBILITY OF SUCH DAMAGES.

J.J. MARSHALL CANNOT AND DOES NOT GUARANTEE CONTINUOUS, UNINTERRUPTED OR SECURE ACCESS TO THE SITE.

14. INDEMNIFICATION

You agree to defend, indemnify, and hold harmless J.J. Marshall and all of its successors, parents, subsidiaries, affiliates, officers, directors, stockholders, investors, employees, agents, representatives, and attorneys, and their respective heirs, successors, and assigns from and against any and all claims, liabilities, losses, damages, costs, and expenses (including, without limitation, reasonable attorneys’ fees) arising out of or relating to your access to, use of, or alleged use of the Site, your violation of these Terms, or your violation of any third party right.

We reserve the right to assume the exclusive defense and control of any matter which is subject to indemnification under these Terms. In such case, you agree to cooperate with any reasonable requests assisting us in the defense of such matter.

15. NO WARRANTIES

ALL CONTENT, MATERIALS, INFORMATION, OR SERVICES ON THE SITE ARE PROVIDED TO YOU “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTY OF ANY KIND EITHER EXPRESS OR IMPLIED INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, SECURITY OR ACCURACY.

J.J. MARSHALL DOES NOT PROMISE THAT THE SITE OR ANY CONTENT, SERVICE OR FEATURE OF THE SITE WILL BE ERROR-FREE OR UNINTERRUPTED, OR THAT ANY DEFECTS WILL BE CORRECTED, OR THAT YOUR USE OF THE SITE WILL PROVIDE SPECIFIC RESULTS.

J.J. MARSHALL DOES NOT ENDORSE AND IS NOT RESPONSIBLE FOR THE ACCURACY OR RELIABILITY OF ANY STATEMENT MADE THROUGH THE SITE BY ANY PARTY OTHER THAN J.J. MARSHALL. IT IS THE RESPONSIBILITY OF THE USER TO EVALUATE THE ACCURACY, COMPLETENESS OR USEFULNESS OF ANY CONTENT AVAILABLE THROUGH THE SITE.

16. NO WAIVER OF RIGHTS; NO LEGAL ADVICE

Nothing in these Terms:

Waives any consumer rights under applicable federal or state law
Limits your right to dispute a debt
Constitutes legal, financial, or credit counseling advice

You may wish to consult an attorney regarding your rights.

17. LINKS TO OTHER WEBSITES

Our Site may contain links to third-party websites. The inclusion of links within our Site does not constitute any endorsement, authorization, sponsorship, affiliation, guarantee, or warranty with respect to such linked site or its owners.

J.J. Marshall has no control over the terms of use and privacy practices of third-party websites. You acknowledge and understand using or retrieving any information on a linked site is at your own risk.

18. GOVERNING LAW AND DISPUTE RESOLUTION

Users of this Site agree to submit to the laws of the State of Michigan and applicable federal law without regard to conflicts of laws principles.

Any claim under these Terms of Use must be brought within one (1) year after the cause of action arises, or such claim or cause of action is barred. Claims made under separate terms and conditions or federal and state consumer financial protection laws are not subject to this limitation.

In the event of any controversy or dispute between J.J. Marshall and you arising out of or in connection with your use of the Site, the parties shall attempt, promptly and in good faith, to resolve any such dispute. If we are unable to resolve any such dispute within a reasonable time (not to exceed thirty (30) days), then either party may submit such controversy or dispute to mediation. If the dispute cannot be resolved through mediation, then the parties shall be free to pursue any right or remedy available to them under applicable law.

19. DEBT COLLECTION PRACTICES

J.J. Marshall is a debt collection agency and complies with all applicable federal and state laws and regulations governing debt collection practices, including but not limited to the Fair Debt Collection Practices Act (FDCPA) and applicable state debt collection laws.

Nothing in these Terms of Use is intended to alter or modify any rights or obligations under applicable debt collection laws and regulations.

20. TERMINATION

We reserve the right to seek all remedies available at law and in equity for violations of these Terms of Use, including the right to limit or block access from a particular Internet address or user to the Site.

You agree that J.J. Marshall may, in its sole discretion and without prior notice, terminate your access to the Site if we determine that you have violated these Terms of Use or other agreements or guidelines which may be associated with your use of the Site.

21. MISCELLANEOUS PROVISIONS

If any provision of these Terms is found to be invalid by any court of competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of these Terms, which shall remain in full force and effect.

Failure by J.J. Marshall to act on or enforce any provision of these Terms shall not be construed as a waiver of that provision or any other provision in these Terms.

The section headings in these Terms are for convenience only and do not have any impact on the interpretation of a particular section.

Provisions of the Terms relating to limitation of liability, indemnification, venue, choice of law, and any other provisions that by their nature should survive, will survive the termination of these Terms.

22. CONTACT INFORMATION

If you have any questions about these Terms of Use, you may contact us at:

J.J. Marshall & Associates, Inc.
28820 Mound Rd.
Warren, MI 48092
888-233-6910
(586) 992-3200
[email protected]

J.J. Marshall is a dba of Ceteris Portfolio Services, LLC.

RMAi Certified Receivables Business Number: C2501-1193

Mon, Thurs, & Fri
8:30am – 5:00pm Est
Tues & Wed
8:30am – 6:00pm Est
Sat By Appointment Only
28820 Mound Rd.
Warren, MI 48092
888-233-6910
(586) 992-3200

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Need assistance with your account, have questions before making a payment, or interested in our services? Don’t hesitate to reach out via email. We’re ready to help.

This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.

We do not provide language access services or translation of any communications into a language other than English. A translation and description of commonly-used debt collection terms are available in multiple languages on the NYC Department of Consumer Affairs website, www.nyc.gov/dca.