The information on this page governs your use of the Ratchford Law Group web site, including an Arbitration Provision and an Automated Calling and Call Recording Consent. Your use of this website is your acknowledgment that you understand the terms and conditions set out here and that you agree to comply with these terms and conditions. Also note that we may change these terms and conditions from time to time without otherwise providing notice. You should refer to this material whenever using the site.
Please read the following information carefully. If you are unable to accept and abide by these terms, please do not use this site or its information.
Ratchford Law Group is a law firm whose primary business is debt collection; as such, any communication with our firm is an attempt to collect a debt and any information obtained will be used for that purpose.
This website and all the information it contains, or may in the future contain, including, but not limited to, articles, memoranda, bulletins, reports, press releases, opinions, text, directories, guides, photographs, illustrations, trademarks, trade names, service marks and logos (collectively, the "Content"), are the property of Ratchford Law Group, P.C. ("Ratchford” "we", "us", "our").
No Attorney-Client Relationship Formed:
The Content of this website does not convey legal, accounting, tax, career or other professional advice of any kind. Your use of this website does not create a lawyer-client relationship between you and Ratchford, nor will any information you submit to us via this website or by email be considered a lawyer-client communication or otherwise be treated as confidential or privileged in the absence of a pre-existing express agreement by us to the contrary. The Content of this website should not be relied upon or used as a substitute for consultation with professional advisors.
Disclaimer of Warranties and Limitation of Liability:
THIS WEBSITE CONTENT IS PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.
WE DO NOT WARRANT NOR REPRESENT THAT YOUR USE OF MATERIALS DISPLAYED ON THIS WEBSITE WILL NOT INFRINGE RIGHTS OF THIRD PARTIES NOT OWNED OR AFFILIATED WITH US.
You expressly understand and agree that your use of this website is at your sole risk. To the extent permitted by applicable law, Ratchford will not be liable to you or any other party for any damage, loss, or expense arising directly or indirectly from use of this website or its Content, and you hereby expressly waive any claim against Ratchford for such losses.
To access our website, you will need a working connection to the Internet via a web browser on your computer for which you are responsible for all costs, expenses, and fees. From time to time, due to the performance of maintenance, malfunctions or failures of software, equipment, or telecommunications devices, unusual transaction volume, or similar reasons the website may not be available for your use. You agree that we shall not be responsible for any loss, damages, costs, or expenses which you may suffer or incur, directly or indirectly, as a result of the unavailability of the website, regardless of whether it could be shown that we could have prevented or reduced the duration of such unavailability by taking any action within our reasonable control. We shall also not be responsible for any loss, damages, costs, or expenses which you may suffer or incur, directly or indirectly, as a result of your inability to access the website caused directly or indirectly, in whole or in part, by your computer or mobile device, your inability to establish a connection to the Internet, your Internet Service Provider ("ISP"), or capacity or other limitations or constraints of the Internet.
UNDER NO CIRCUMSTANCES SHALL WE BE LIABLE FOR ANY DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES THAT MAY ARISE IN CONNECTION WITH THIS WEBSITE, OR FROM YOUR USE OF, OR INABILITY TO USE, THIS WEBSITE OR ANY INFORMATION PROVIDED ON THIS WEBSITE; OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS OR LINE OR SYSTEM FAILURE; OR DISCLOSURE OF INFORMATION WHEN REPLYING TO YOU BY E-MAIL OR OTHER ELECTRONIC MEANS OR RECEIVING E-MAILS FROM YOU; EVEN IF WE ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES, OR EXPENSES. Some jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages. In such jurisdictions, our liability is limited to the greatest extent permitted by law.
WE ASSUME NO RESPONSIBILITY, AND SHALL NOT BE LIABLE FOR, ANY VIRUSES THAT MAY INFECT OR DAMAGE YOUR COMPUTER EQUIPMENT OR OTHER PROPERTY AS A RESULT OF YOUR ACCESS TO, USE OF, OR BROWSING OF THIS WEBSITE, THE WEB, OR YOUR DOWNLOADING OF ANY MATERIALS, DATA, TEXT, IMAGES, VIDEO, OR AUDIO FROM THIS WEBSITE OR THE WEB.
Online Accessibility and Third-Party Websites:
Ratchford Law Group strives to provide an accessible digital experience for site visitors. In the event that a user with a disability experiences accessibility issues with our website, please notify us by:
° Writing to us at Ratchford Law Group, 54 Glenmaura National Boulevard, Suite 104, Moosic, PA 18507.
° Calling us toll free at 800.503.1665
° Sending an email to firstname.lastname@example.org
Some links within our web site may lead you to other sites hosted by third parties. Ratchford Law Group does not have control over those sites and is not responsible for their content, accessibility or your reliance on the information contained there. Our links to third-party sites do not necessarily create an endorsement or approval of any content on those sites. Once you go to a third-party site, you do so at your own risk. You are subject to the terms, conditions of use and privacy policies of the third-party site.
All content included on Ratchford Law Group, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, is the property of Ratchford Law Group or its content suppliers and protected by the United States and international copyright laws. The compilation of all content on Ratchford Law Group is the exclusive property of Ratchford Law Group and protected by U.S. and international copyright laws.
Ratchford Law Group claims a copyright to the material on this web site. You may use this material only for personal informational purposes. If you wish to use the material for any other purposes, you must have the expressed consent of Ratchford Law Group to do so. All rights reserved. Copyright 2021.
Ratchford Law Group respects the intellectual property of others. If you believe that your work has been copied in a way that constitutes copyright infringement, please write to us at Ratchford Law Group, 54 Glenmaura National Boulevard, Suite 104, Moosic, PA 18507.
Limitations on Use and Prohibited Activities:
You are hereby notified that the owners of the email addresses published on this site do not wish to receive and you are prohibited from sending unsolicited commercial email messages for services or products to the email addresses provided on this site. You are prohibiting from attempting to interfere with the proper function of this site. You are prohibited from forging any email addresses. You are prohibited from framing any content of this web site. You are responsible for all damages and costs resulting from these actions in any way and from any illegal actions involving the web site of Ratchford Law Group whether or not enumerated here. If you have any questions about your obligations set out here, you should contact Ratchford Law Group to clarify your questions.
By using the website, you agree not to engage in any of the following prohibited activities:
° You may not use any "deep-link", "page-scrape", "robot", "spider", or other automatic device, program, algorithm or methodology, or any similar or equivalent manual process, to access, acquire, copy, or monitor any portion of the website, or in any way reproduce or circumvent the navigational structure or presentation of the website, to obtain or attempt to obtain any materials, documents or information through any means not purposely made available through the website.
° You may not attempt to gain unauthorized access to any portion or feature of the website, or any other systems or networks connected to the website or to our server, or to any of the services offered on or through the website, by hacking, password "mining", or any other illegitimate means.
° You may not probe, scan, or test the vulnerability of the website or any network connected to the website, nor breach the security or authentication measures on the website or any network connected to the website. You may not reverse look-up, trace or seek to trace any information on any other user of or visitor to the website, or any other person, including any account not owned by you, to its source, or exploit the website or any service or information made available or offered by or through the website, in any way where the purpose is to reveal any information, including but not limited to personal identification or information, other than your own information, as provided for by the website.
° You agree that you will not take any action that imposes an unreasonable or disproportionately large load on the infrastructure of the website or our systems or networks, or any systems or networks connected to the website.
° You agree not to use any device, software, or routine to interfere or attempt to interfere with the proper working of the website or any transaction being conducted on the website, or with any other person's use of the website.
° You may not pretend that you are, or that you represent, someone else, or impersonate any other individual or entity.
You must defend, indemnify and hold harmless Ratchford Law Group, its partners, associates and consultants from any claims, damages, costs and expenses resulting from your failure to comply with terms set out here. If you have any questions about this obligation, you should contact Ratchford Law Group to clarify your questions.
It is the policy of Ratchford Law Group to provide accessible service to the public, regardless of disability status. Individuals who need a reasonable accommodation to access Ratchford’s services should contact us by of the following means to provide information about the nature of the requested accommodation.
° Writing to us at Ratchford Law Group, 54 Glenmaura National Boulevard, Suite 104, Moosic, PA 18507.
° Calling us toll free at 800.503.1665
° Sending an email to email@example.com
Requesters should include contact information such as an email address, residential address, or telephone number at which they can be reached. Depending on the nature of the request, we may need sufficient advance notice to provide reasonable accommodation.
Electronic and Email Communication
When you visit the Ratchford Law Group Site or send e-mails to us, you are communicating with us electronically. You consent to receive communications from us electronically. We will communicate with you by e-mail. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.
You agree that we may use email to deliver messages to you at any email address you have provided on or with your application for credit, or any other email address you provide to us (for example, by inputting the email address into this website or by providing your email address to one of our representatives), with information or questions about your relationship with us which may include, without limitation, emails regarding your payments and other important communications relating to your current, future or past account(s) that are being or have been collected upon or serviced by us.
You agree that we will not be liable to you for any fees, inconvenience, annoyance or loss of privacy in connection with such emails. You understand that anyone with access to your email account may read the messages, notwithstanding our efforts to communicate only with you. If an email address you have provided to us changes, or if you cease to be the owner, subscriber or primary user of such email address, you agree to immediately give us notice of such facts so that we may update our records. To stop receiving email messages from us, you may click on the unsubscribe link we provide in all email communications. We will process your request to stop receiving email messages within a reasonable time.
Ratchford Law Group or any portion of Ratchford Law Group Site may not be reproduced, duplicated, copied, sold, resold, visited, or otherwise exploited for any commercial purpose without express written consent of Ratchford Law Group. You may not frame or utilize framing techniques to enclose any trademark, logo, or other proprietary information (including images, text, page layout, or form) of Ratchford Law Group without express written consent. You may not use any meta tags or any other “hidden text” utilizing Ratchford Law Group’s name or trademarks without the express written consent of Ratchford Law Group. Any unauthorized use terminates the permission or license granted by Ratchford Law Group. You are granted a limited, revocable, and nonexclusive right to create a hyperlink to the home page of Ratchford Law Group Site, so long as the link does not portray Ratchford Law Group, or its services in a false, misleading, derogatory, or otherwise offensive matter. You may not use any Ratchford Law Group logo or other proprietary graphic or trademark as part of the link without express written permission.
By visiting Ratchford Law Group Site, you agree that the laws of the Commonwealth of Pennsylvania without regard to principles of conflict of laws, will govern these Site Terms and any dispute of any sort that might arise between you and Ratchford Law Group.
No E-Mail or Other Message Abuse
You will not distribute, publish, send, or facilitate the sending of unsolicited mass e-mail or other messages, promotions, advertising, or solicitations (like “spam”), including commercial advertising and informational announcements. You will not alter or obscure mail headers or assume a sender’s identity without the sender’s explicit permission. You will not collect replies to messages sent from another internet service provider if those messages violate this Policy or the acceptable use policy of that provider.
Our Monitoring and Enforcement
We reserve the right, but do not assume the obligation, to investigate any violation of this Policy or misuse of the Services or Ratchford Law Group Site.
Reporting of Violations of this Policy
If you become aware of any violation of this Policy, you will immediately notify us and provide us with assistance, as requested, to stop or remedy the violation. To report any violation of this Policy, please contact Ratchford Law Group.
Automated Calling and Call Recording Consent
You agree that we may use automated telephone dialing systems, including from a recurring message program using short codes, to deliver messages to you at the number(s) you have provided on or with your application for credit, or any other number you provide to us (for example, by inputting the telephone number into this website or by providing your number to one of our representatives), with information or questions about your relationship with us which may include, without limitation, messages regarding your payments and other important communications relating to your current, future or past account(s) that are being or have been collected upon or serviced by us. You also agree that these messages may deliver a prerecorded and/or artificial voice message. Telephone messages may be played by a machine automatically when the telephone is answered, whether answered by you or someone else. These messages may also be recorded by your answering machine.
You understand that, when you receive such calls you may incur a charge from the company that provides you with telecommunications services. You agree that we will not be liable to you for any fees, inconvenience, annoyance or loss of privacy in connection with such calls. You understand that anyone with access to your telephone account may listen to the messages, notwithstanding our efforts to communicate only with you. If a telephone number(s) you have provided to us changes, or if you cease to be the owner, subscriber or primary user of such telephone number(s), you agree to immediately give us notice of such facts so that we may update our records. If you wish to withdraw your consent to receiving autodialed and/or prerecorded/artificial voice calls from us, please contact us at 800-503-1665 or write to us at firstname.lastname@example.org.
You also understand and agree that, subject to applicable law, we may monitor and/or record any of your phone conversations with any of our representatives for training, quality control, evidentiary, and any other purposes. However, we are not under any obligation to monitor, record retain or reproduce such recordings, unless required by applicable law.
PLEASE READ THIS SECTION CAREFULLY TO ENSURE THAT YOU UNDERSTAND IT FULLY. THESE TERMS CONTAIN A MANDATORY INDIVIDUAL ARBITRATION PROVISION AND CLASS ACTION/JURY TRIAL WAIVER PROVISIONS THAT REQUIRE USE OF ARBITRATION ON AN INDIVIDUAL BASIS TO RESOLVE DISPUTES RATHER THAN JURY TRIALS OR CLASS ACTIONS IF A PARTY ELECTS ARBITRATION.
Solely for purposes of this Arbitration Provision, the terms “we,” “us” and “our” mean Ratchford Law Group, P.C. and their respective affiliates, officers, directors, employees, agents, successors and assigns. This Arbitration Provision may also be enforced by any party named as a co-defendant with us in a claim asserted by you.
At the election of either you or us, all claims or disputes arising out of or related to these Terms or your use of this website (including but not limited to the website’s Employment, Client Access, EFTA Consent, E-mail Consent, and Make a Payment features and the Privacy and Accessibility Policies) shall be settled solely and exclusively by confidential binding arbitration as provided below.
“Claim” includes initial claims, counterclaims, cross-claims, third-party claims, and federal, state, local, and administrative claims, and claims which arose before the effective date of this Arbitration Provision. It also includes disputes based upon contract, tort, consumer rights, fraud, and other intentional torts, constitution, statute, regulation, ordinance, common law and equity, and claims for money damages and individual injunctive or declaratory relief.
Prior to initiating arbitration, you and Ratchford each agree to notify the other party of the claim or dispute and attempt to negotiate an informal resolution. You must send any notice of claim or dispute by email to email@example.com. We will send any notice of claim or dispute to you at the address we have for you. You and Ratchford will attempt to resolve any claim or dispute through informal negotiation within 30 days from the date that the notice of claim or dispute is received. If we are unable to resolve the claim or dispute by negotiation, you agree that at the election of either party, the claim or dispute will be resolved through binding arbitration by a single impartial arbitrator rather than by a court.
Even if all parties have opted to litigate a claim in court, you or we may elect arbitration with respect to any claim made by a new party or any claim later asserted by a party in that or any related or unrelated lawsuit (including a claim initially asserted on an individual basis but modified to be asserted on a class, representative or multi-party basis). Nothing in that litigation shall constitute a waiver of any rights under this Arbitration Provision.
You may choose the American Arbitration Association (“AAA”) or JAMS to administer the arbitration. If neither of them can serve, a court with jurisdiction will select the arbitrator. The appropriate AAA or JAMS rules and fee schedules shall apply, as determined by the arbitrator. These rules and fee schedules are found at www.adr.org and www.jamsadr.com. The arbitrator shall be empowered to grant whatever substantive relief would be available in a court under applicable law or in equity on an individual claim, consistent with the FAA, including, without limitation, compensatory, statutory, and punitive damages (which will be governed by the constitutional standards applicable in judicial proceedings), declaratory, injunctive, and other equitable relief, and attorneys’ fees and costs. The arbitrator shall apply applicable statutes of limitations and privilege rules that would apply in a court proceeding.
Class Action Waiver
The parties agree that any arbitration shall be conducted in their individual capacities only and not as a class action, private attorney general action, or other representative action, and the parties expressly waive their right to file or participate in a class action, private attorney general action, or other representative action or seek relief on a class basis in court or in arbitration. The parties also agree not to join or consolidate claims with claims by or against any other person. (Special procedures apply to a claim seeking public injunctive relief, as set forth below).
The arbitration shall be conducted in Massachusetts unless otherwise agreed by the parties or ordered by the arbitrator. The arbitrator's award shall be final and binding, except for any appeal rights under the FAA.
a. If the Class Action Waiver above is limited, voided or found unenforceable with respect to a claim that does not seek public injunctive relief, then this Arbitration Provision (except for this sentence) shall be null and void with respect to such proceeding, subject to the right to appeal the limitation or invalidation of the Class Action Waiver. The parties acknowledge and agree that under no circumstances will a class action be arbitrated; and
b. If a claim is brought seeking public injunctive relief and a court determines that the restrictions in the Class Action Waiver or elsewhere in this Arbitration Provision prohibiting the arbitrator from awarding relief on behalf of third parties are unenforceable with respect to such claim (and that determination becomes final after all appeals have been exhausted), the claim for public injunctive relief will be determined in court and any individual claims seeking monetary relief will be arbitrated. In such a case, the parties will request that the court stay the claim seeking public injunctive relief until the arbitration award pertaining to individual relief has been entered in court. In no event will a claim for public injunctive relief be arbitrated.
Jury Trial Waiver
You and we acknowledge and agree that if a claim is arbitrated, we are each knowingly and voluntarily waiving the right to a trial by jury.
To the extent permitted by law, the courts located within the Commonwealth of Pennsylvania shall have exclusive jurisdiction and venue over:
i. Any action concerning the enforcement of an arbitration aware, or
Ratchford Law Group, PC Privacy Notice for www.ratchfordlawgroup.com
What Personal Information About Consumers Does Ratchford Law Group Gather?
The information we learn from consumers on the www.ratchfordlawgroup.com website helps us continually improve the online experience. Here are the types of information we gather.
Information You Give Us
We receive and store the information you enter on our Web site if you use the website to contact us. The information you are required to provide for us to generate and process the request is your name, address, phone number and email address and any other information that you provide in your email to us. You can choose not to provide your contact information or any specific item, but if you chose to do so, we may be unable to respond to your inquiry.
We receive and store certain types of information whenever you interact with us. For example, like many Web sites, we use “cookies,” and we obtain certain types of information when your Web browser accesses the www.collectmoore.com website and other content served by or on behalf of Ratchford Law Group on other Web sites. Please see below for a list of examples.
What About Cookies?
Cookies are unique identifiers that we transfer to your device to enable our systems to recognize your device.
The Help feature on most browsers will tell you how to prevent your browser from accepting new cookies, how to have the browser notify you when you receive a new cookie, or how to disable cookies altogether. Additionally, you can disable or delete similar data used by browser add-ons, such as Flash cookies, by changing the add-on’s settings or visiting the Web site of its manufacturer. If you block or otherwise reject our cookies, you will not be able to use the www.paymoorelaw.com website.
Does Ratchford Law Group Share the Information It Receives?
Information about our customers is an important part of our business, and we are not in the business of selling it to others. We share customer information only as described below.
You may be visiting the www.ratchfordlawgroup.com website to initiate an inquiry or make a complaint or initiate a dispute regarding a debt owed to a client of Ratchford Law Group (“Our Client”). Any information provided to Ratchford Law Group in connection with such a communication will be provided to Our Client and/or other attorneys retained by our Client to collect your account.
We employ other companies and individuals to perform functions on our behalf. Examples include site analytics and analyzing data. They have access to personal information needed to perform their functions, but may not use it for other purposes. We ensure that all third parties follow practices at least as protective at those described in this Privacy Notice.
Change of Address
In the event that the address you provide us does not match the address in our records, we may update your address based on the information you have provided to us. In the event that we update our records, the updated address will also be provided to Our Client and/or other attorneys retained by Our Client to collect your account.
In the event that Ratchford Law Group merges with another firm or is acquired by another firm, consumer information will be transferred to that firm.
With Your Consent
Other than as set out above, you will receive notice when information about you might be provided by Ratchford Law Group to third parties, and you will have an opportunity to choose not to share the information.
How Secure Is Information About Me?
We work to protect the security of your information during transmission by using Secure Sockets Layer (SSL) software, which encrypts information you input.
What About Third-Party Advertisers and Links to Other Websites?
The www.ratchfordlawgroup.com website does not include any third-party advertising.
Protection of Ratchford Law Group and Others
We release account and other personal information when we believe release is appropriate to comply with the law or protect the rights, property, or safety of Ratchford Law Group, our users, or others. This includes exchanging information with other companies and organizations for fraud protection and credit risk reduction. Obviously, however, this does not include selling, renting, sharing, or otherwise disclosing personally identifiable information from customers for commercial purposes in violation of the commitments set forth in this Privacy Notice.
What Choices Do I Have?
As discussed above, you can always choose not to provide information, even though it might be needed to allow us to process or respond to a communication you have sent us.
Conditions of Use, Notices, and Revisions
Examples of Information You Give Us
You provide such information when you visit or make a payment via the www.ratchfordlawgroup.com.com website. As a result of those actions, you might supply us with such information as your name, address, phone number and email address and any other information that you provide in your email to us
Examples of Automatic Information
IMPORTANT NOTICE 1
This privacy statement only applies to information obtained as the result of your use of the www.collectmoore.com website. This privacy statement does not apply to information obtained from any other source, including as the result of interactions with you or any third party.
IMPORTANT NOTICE 2
Notwithstanding anything contained within this Privacy Notice, Ratchford Law Group, PC is a debt collector attempting to collect a debt and any information obtained will be used for that purpose. This communication is from a debt collector.