Debt Doctors Terms of Service

Effective Date: 01/01/2025

1. Program Name and Description

Debt Doctors (“we,” “us,” or “our”) operates the Cooper & Brown SMS Program (the “Program”), which provides updates, notifications, appointment reminders, promotions, and other information via SMS and MMS messages to users who opt-in. Message types may include, but are not limited to:

Service updates Appointment remindersAccount notificationsPromotional and marketing content customer support communications

Message frequency may vary based on your engagement with us.

2. User Consent & Participation

By opting into the Program, you agree to receive recurring text messages (SMS/MMS) from Debt Doctors at the mobile number you provided. Consent is not a condition of purchasing any goods or services. Message frequency will vary.

3. Opt-Out Instructions

You may opt out of the Program at any time. To stop receiving messages, reply “STOP” to any SMS you receive from us. After you send “STOP,” we may send you a confirmation message to confirm that you have successfully unsubscribed. After this, you will no longer receive SMS/MMS messages from Debt Doctors unless you re-enroll.

4. Rejoining Instructions

You may rejoin the Program at any time by texting “JOIN” to 82222 or by contacting Debt Doctor’s customer support to re-enroll. Once you rejoin, you will again begin receiving messages according to these Terms.

5. Help Instructions

For help regarding the Program, reply “HELP” to any Debt Doctors message. You may also contact our customer service team at:

📧 Email: [email protected] ☎ Phone: (480) 510-6715

6. Message and Data Rates Disclaimer

Message and data rates may apply. Debt Doctors is not responsible for any charges imposed by your mobile carrier as a result of participation in the Program. Charges may appear on your mobile bill or be deducted from your prepaid balance.

7. Carrier Liability Disclaimer

Wireless carriers and mobile network operators (including, but not limited to, AT&T, T-Mobile, Verizon, etc.) are not liable for delayed, undelivered, or misdirected messages.

8. Privacy Policy

Please review Debt Doctor’s Privacy Policy (PRIVACY POLICY LINK) to understand how we collect, use, and safeguard your personal information.

9. Compliance with Industry Standards

Debt Doctors complies with all applicable carrier guidelines, including but not limited to:

CTIA Short Code Monitoring Handbook TCPA (Telephone Consumer Protection Act) CAN-SPAM Act (where applicable) State and Federal consumer protection lawsIndustry best practices for SMS/MMS messaging

10. Legal Compliance Note

By participating in the Program, you affirm that you:

Are the authorized account holder or have the account holder’s consent. Have provided accurate contact information. Agree to comply with these Terms and all applicable laws and regulations, including the TCPA.

Use of the Program is subject to change without prior notice. Continued participation constitutes acceptance of any changes to these Terms.