1. Overview
Jurtus LLC is a debt buyer operating in the United States. Jurtus purchases charged-off consumer telecom debt portfolios and offers debtors the opportunity to resolve their outstanding balance at 50% of the amount owed. Upon receipt of that settlement payment, the remaining balance is permanently discharged and the account is closed. No further amount is owed.
Jurtus is committed to full compliance with the Fair Debt Collection Practices Act (FDCPA), the Fair Credit Reporting Act (FCRA), the Telephone Consumer Protection Act (TCPA), and all applicable state consumer protection laws. This policy is made publicly available so that consumers, regulators, and counterparties understand the standards to which Jurtus holds itself.
2. Settlement-Only Model
Jurtus does not pursue litigation against consumers under any circumstances. We do not file suit, seek judgments, garnish wages, or engage in any legal enforcement action against debtors. All collection activity is limited to written correspondence and inbound digital response through our website at jurtus.com.
No threats of legal action — explicit or implied — are made in any communication. Consumers are offered a single, transparent resolution path: a one-time settlement at 50% of the balance that permanently closes the account. If a consumer does not respond or chooses not to settle, no escalation occurs.
3. Written Correspondence Standards
All outbound written communications are prepared in compliance with FDCPA Section 807, which prohibits false or misleading representations, and Section 809, which governs validation notice requirements. Every initial written communication sent to a consumer includes the following, in clear and plain language:
The amount of the debt and the name of the creditor to whom the debt is currently owed. A statement that the consumer has the right to dispute the validity of the debt within 30 days of receipt of the notice, and that if the consumer disputes the debt in writing within that period, Jurtus will obtain and provide written verification of the debt before resuming collection activity. A statement that, upon written request within the 30-day period, Jurtus will provide the name and address of the original creditor if different from the current creditor.
No communication sent by or on behalf of Jurtus contains threatening, harassing, abusive, or misleading language. All correspondence is reviewed against these standards before distribution.
4. Telephone & Cell Phone Policy
Jurtus does not place outbound calls to consumers as a primary collection method. Where telephone contact is made, Jurtus complies fully with the TCPA. Cell phone numbers identified in acquired portfolio data are flagged within our account management system and restricted from outbound calling unless prior express written consent has been obtained from the consumer.
Jurtus does not use automated telephone dialing systems, predictive dialers, or prerecorded or artificial voice messages in any capacity. All telephone contact, where it occurs, is conducted manually by a representative during permitted hours. The full cell phone contact policy is available at jurtus.com/legal/cell-phone-policy.
5. Consumer Dispute Handling
Consumers have the right to dispute the validity of any debt within 30 days of receiving an initial written communication from Jurtus. Disputes must be submitted in writing and may be directed to [email protected] or via the dispute form available on the account portal at jurtus.com.
Upon receipt of a written dispute, Jurtus will immediately cease all collection activity on the account. Jurtus will obtain verification of the debt from the original creditor and provide that written verification to the consumer before any collection activity resumes. All disputes are logged with a timestamp upon receipt, tracked through to resolution, and resolved exclusively through written communication.
6. Credit Reporting
Jurtus does not report account information to any consumer reporting agency (CRA). Jurtus does not furnish data — positive or negative — to Equifax, Experian, TransUnion, or any other credit reporting bureau as a result of account acquisition or collection activity. No negative mark is placed on a consumer’s credit report by Jurtus.
Consumers concerned about existing negative marks from the original creditor or a prior servicer should contact those entities directly. Jurtus can provide documentation of settlement upon request to support any such inquiry.
7. Prohibited Practices
Jurtus expressly prohibits the following conduct by any personnel or agent acting on its behalf:
Timing and Location
Contacting consumers at times or places known to be inconvenient, including before 8:00 a.m. or after 9:00 p.m. local time at the consumer’s location, or at a consumer’s place of employment where such contact is known to be prohibited.
Legal Representation
Communicating directly with any consumer who has notified Jurtus that they are represented by legal counsel, without first obtaining consent from that counsel.
Misrepresentation
Using false, deceptive, or misleading representations of any kind, including misrepresenting the character, amount, or legal status of a debt, or falsely implying that any individual is an attorney or that any communication is from a government agency.
Unauthorized Charges
Collecting or attempting to collect any amount not expressly authorized by the original agreement or permitted by law. Jurtus does not add fees, interest, or charges beyond the settled balance offered.
Third-Party Disclosure
Disclosing debt information to any unauthorized third party. Jurtus does not contact employers, family members, neighbors, or other third parties regarding a consumer’s debt except as expressly permitted under FDCPA Section 805.
Harassment and Oppressive Conduct
Any conduct that constitutes harassment, oppression, or abuse as defined under FDCPA Section 806, including but not limited to the use of obscene language, repeated calls intended to annoy, or any threat of violence.
8. Staff Training & Accountability
All Jurtus personnel involved in consumer contact, account handling, or correspondence review are required to complete FDCPA and TCPA compliance training before handling any consumer account. Training materials are reviewed and updated no less than annually, and are revised promptly when regulatory guidance changes.
A designated compliance officer is responsible for reviewing all outbound communication templates, monitoring adherence to this policy, and responding to consumer complaints or regulatory inquiries. Any identified deviation from this policy is documented and addressed through corrective action.
9. Policy Review
This policy is reviewed no less than annually and updated to reflect changes in applicable federal and state law, regulatory guidance, or Jurtus operating practices. The current version is always available at jurtus.com/legal/compliance-policy. This version was last updated June 6, 2026.
For compliance inquiries, contact [email protected].