“You”, “Creditor”, “Client” and “User” herein constitute the business to whom is owed a legitimate and bonafied debt by a consumer. “Debt”, Debtor” and “Customer” herein constitute the person or business who owes the debt to the Creditor. “GRT”, “GRTC”, “We” and “Us” herein constitute Green, Richard and Trent.  

GRTCollect! (GRTC) is a free dunning letter (demand for payment) service provided by Green, Richard & Trent (GRT) to prospective and existing Creditors/Clients. The GRTCollect! service allows creditors to complete an online form, submit and mail a dunning letter to their debtor on GRT letterhead, thus lending credibility and the potential for escalation if payment is not forthcoming. All dunning lettersets are FDCPA compliant. The ‘spirit’ or dialog of the three (3) lettersets may be chosen by the Creditor based on previous dialog with the customer, thus preserving future relations with the customer if desired.

The purpose of the free dunning-letter service is to provide an opportunity for the Creditor to collect a debt using GRT’s dunning letterset without any charge for the letter service. The intent of this service is to foster new relationships for professional collection services provided by GRT at a future date. As such, terms and conditions for using the GRTCollect! service are following. Additionally, guidelines and conditions set forth in our FAQ are also made part of these terms and conditions. If you don’t understand or agree to our terms and conditions for use please contact us for questions and/or refrain from using this GRTC service.

1. The GRTC service is for business-to-consumer (B2C) and business-to-business (B2B) use only. All creditors must be registered with the Secretary of State. Debt buyers and other third-party collection professionals are ineligible for this service. Consumer use is not permitted at this time.
2. Debts for which the GRTC service is used must not be under the pending sale, assignment or any other collection activity by a third-party.
3. The GRTC service may be used in GRT’s licensed jurisdictions only; Indiana, Ohio and Michigan.
4. Creditor agrees to not sell, assign or contract any third-party collection activity for a period of thirty-five (35) days following submission of data to GRT for processing into a dunning letter, or thirty-two (32) days from date of dunning letter, for the debt in which the GRTC service is rendered. We refer to the dunning letter and this thirty-two (32) day period as a “Campaign”.
5. Debts for which the GRTC service is used must be bonafied debts and substantiated with supporting documentation including statements, ledgers, receipts and other instruments indicating acceptance of product or services rendered to debtor. Documentation is not required to engage the service, but is required upon the request of Green, Richard & Trent or the debtor for validation of debt. Any use of the GRTC service without validating documentation will result in suspension or termination of the creditor account.
6. Debts for which the GRTC service is used must be not less than forty-five (45) days aged and not more than three hundred sixty five (365) days aged past the creditor’s last demand for payment from the debtor. If debts are aged greater than this, we recommend contacting our office for our contingency-fee collection services. Minimum debt amount for GRTC service is $100.
7. If the debtor requests validation of debt, Creditor agrees to provide said validation to debtor within thirty (30) days of written request by debtor. GRT will not intervene, nor provide supporting documentation to the debtor via the GRTC service. Any request for validation received by us will be emailed to the Creditor for timely processing.
8. Creditor is responsible for accuracy of information provided. Green, Richard & Trent, it’s owners and assigns, make no guarantees or warrantees for accuracy of information and will be held harmless from any mistakes or errors.
9. GRT does not guarantee the success of any Campaign, in whole or in part.
10. Creditor assumes all responsibility for privacy and transmission of personal information.
11. Debtors may pay creditors directly via any means acceptable to the creditor. If Debtors pay Creditors directly, there is no fee charged. To increase the likelihood of payment from the debtor we place our GRT payment portal URL and QR code on each dunning letter. If the debtor provides payment via credit or debit card at our payment portal, we will send you a check for the amount submitted less 10% for processing the payment. If Debtor pays Green, Richard & Trent via a check mailed to our office, and payee named is GRT, we will send you a check for the amount submitted less 10% for processing the payment. Checks are issued on the 15^th and at the end of each month, but not less than ten (10) days from payment received. In the unlikely event there is a chargeback or dispute of payment made via the GRT payment portal, Creditor agrees to indemnify and reimburse GRT for disputed amount within thirty (30) days of dispute.
12. In the event a dunning letter is returned to us as ‘undeliverable’, we will contact the Creditor via email with copy of the returned dunning letter and further delivery options.
13. GRT will communicate with Creditors via email and, on occasion, by telephone. Communication may include verification of account credentials, validation of debt, answers to questions received from Creditors and inquiry of account status and solicitation. Due to the nature of this service, communication preferences are not an option. If you wish to terminate communication with us, please indicate as such in an email and your account will be deleted.
14. We retain all data you provide including Creditor information, debt and Debtor information and pending and processed Campaigns. We do not retain passwords. Data collected is in the public domain, and no personally-identifiable credentials are collected. In the event you no longer wish for us to retain any of this information, please indicate as such in an email and your account and data will be deleted.
15. Collecting debt is a very serious endeavor and is subject to many regulations and moral responsibilities. As such, we reserve the right to refuse service to anyone, for any reason and without notice or cause.
16. Our goal is to allow the Creditor to collect what they are rightfully owed, with the least amount of time, anguish and recovery cost available. In doing so, we hope to foster long and mutually-profitable partnerships by showcasing our value in your business now so we may be considered for any future needs. In the event we missed something here or in the FAQ, or you have questions regarding the GRTC service in general please call our office for an honest and no-commitment discussion.