Terms of Service

What the Service Is

TrackMyDebtor.com is an automated public records monitoring service for judgment creditors. It searches publicly available government records — county property records, court filing databases, public business registration records, federal aircraft registration records, federal vessel documentation records, and federal bankruptcy filings — and alerts you when new records matching your debtor's name appear.

It is a tool for post-judgment asset discovery. It helps you find assets you may be able to collect against through lawful legal process. It does not conduct collection itself, and it does not provide legal advice.

Who Can Use the Service

To use TrackMyDebtor, you must:

• Be at least 18 years old
• Have a lawful purpose — specifically, judgment collection or related legal work for which public records monitoring is appropriate
• Agree to use the service only within the bounds of applicable law
• Provide accurate information when creating your account

You may use the service on behalf of a client (as an attorney or legal professional) provided your use is within the scope of that representation and otherwise complies with these Terms.

What You Agree To

By using TrackMyDebtor, you agree to:

• Use the service only for lawful judgment collection. You may only monitor debtors for judgments on which you or your client are the named creditor.
• Not use the service for FCRA-regulated purposes. This means no credit decisions, no employment screening, no insurance underwriting, no tenant screening. The service is not a consumer reporting agency and may not be used as one.
• Not harass, stalk, or threaten any person using information obtained through the service.
• Comply with all applicable laws including the automatic stay provisions of the Bankruptcy Code (11 U.S.C. § 362), state collection laws, and any other law governing your collection activities.
• Not attempt to circumvent or damage the service — no scraping, no automated abuse of the platform, no attempts to access other users' data.

Our Rights

TrackMyDebtor reserves the right to:

• Terminate or suspend accounts that violate these Terms, without refund for used service periods
• Modify or discontinue features of the service with reasonable notice
• Update these Terms — we'll notify you of material changes by email or in-app notice; continuing to use the service after a change constitutes acceptance
• Cooperate with lawful requests from law enforcement or courts regarding your account activity

Limitations of the Service

There are a few important things the service is not, and promises it doesn't make:

• Not legal advice. Results from TrackMyDebtor are information, not legal advice. What to do with a particular finding — whether and how to execute on an asset — is a question for your attorney.
• Best-effort data from public sources. We retrieve what public government databases contain. We cannot guarantee that those databases are complete, current, or error-free. A result that appears in our system reflects what the underlying government source contains at the time of the search.
• Not a guarantee of collectability. Finding an asset through monitoring doesn't guarantee you can collect it. Assets may be exempt, encumbered by senior liens, held in exempt forms, or beyond the reach of your judgment for other legal reasons.

Billing

TrackMyDebtor uses tiered monthly billing. Billing is handled by Stripe. Key billing terms:

• Subscriptions renew monthly on the anniversary of your subscription start date unless you cancel
• You can cancel at any time — your monitoring continues through the end of the current paid billing period
• Refunds are not issued for used service periods. If you cancel mid-month, monitoring continues through the end of the month you've already paid for
• We reserve the right to update pricing with reasonable advance notice to existing subscribers

Governing Law and Disputes

The specifics of governing law, jurisdiction, dispute resolution, and other legal mechanics are in the full Terms of Service at /terms. Generally speaking, these Terms are governed by applicable U.S. law. If you have a dispute with us, contacting us at Support@TrackMyDebtor.com first is always the fastest path to resolution.