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Southern Path Resolution: Privacy, Payment, Refund & Dispute Policies and Terms and Conditions

Privacy Policy & Legal Disclaimer

Effective Date: September 17, 2026

Company Name: Southern Path Solutions

Address: P.O. Box 101, Rex, Ga, 30273

Phone: 307-303-8237

Email: info@southernpathresolutions.com

1. Introduction

Southern Path Solutions ("we," "our," or "us") is committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy outlines how we collect, use, disclose, and safeguard your information when you interact with our website, use our services, or communicate with us.

As a professional collection agency, we handle sensitive financial and personal data in strict compliance with applicable federal and state laws, including the Fair Debt Collection Practices Act (FDCPA) and the Gramm-Leach-Bliley Act (GLBA).

2. Information We Collect

We may collect personal and financial information necessary to carry out our business operations and resolve accounts. This information may include:

  • Contact Information: Name, mailing address, email address, and telephone numbers.

  • Financial Information: Account balances, payment history, banking details, and other information related to the debt being serviced.

  • Identification Details: Date of birth, Social Security number (where legally permissible and necessary for verification), or other government-issued identification.

  • Communications: Records of correspondence, including phone call recordings, emails, and chat transcripts when you contact our support team.

3. How We Use Your Information

We use the collected information for legitimate business purposes, including:

  • Account Servicing: Locating and contacting individuals regarding obligations, processing payments, and negotiating payment arrangements.

  • Verification: Confirming identity to protect against fraud and ensure security.

  • Compliance & Legal Obligations: Complying with applicable federal, state, and local laws, industry regulations, and legal processes.

  • Customer Support: Responding to your inquiries and resolving disputes or questions regarding your account.

4. Information Sharing and Disclosure

We do not sell, rent, or trade your personal information to third parties for marketing purposes. We may share your information only under the following circumstances:

  • Creditors and Clients: With the original creditor or owner of the account associated with your file.

  • Service Providers: With trusted third-party vendors who assist us in operating our business (e.g., payment processors, IT service providers, and legal counsel), subject to strict confidentiality agreements.

  • Legal Requirements: When required by law, subpoena, court order, or governmental regulation, or to protect our rights, safety, or property.

5. Security Measures

We implement robust administrative, technical, and physical safeguards designed to protect your personal and financial information against unauthorized access, alteration, disclosure, or destruction. While we strive to use commercially acceptable means to protect your data, no method of transmission over the internet or electronic storage is completely secure.

6. Legal Disclaimer & Regulatory Notice

  • Debt Collection Notice: Southern Path Solutions is a debt collection agency. This communication is an attempt to collect a debt, and any information obtained will be used for that purpose.

  • Professional Advice: The content provided on our communications and website is for informational purposes only and does not constitute legal, financial, or tax advice. You should consult with an independent professional or attorney regarding your specific financial or legal situation.

  • Limitation of Liability: Southern Path Solutions is not liable for any direct, indirect, incidental, or consequential damages arising out of your use of our communication channels or reliance on any information provided, to the fullest extent permitted by law.

7. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or how your information is handled, please contact us at:

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Payment, Refund and Dispute Policy

1. General Payment Terms

All payments made to Southern Path Solutions are applied directly to the outstanding balance of the account associated with your file, in accordance with our agreements with our clients (creditors) and applicable state and federal laws. Payments can be made via authorized electronic check, debit/credit card, or other approved methods.

2. Refund and Overpayment Policy

Because we collect funds on behalf of creditors or apply payments directly to legally recognized debts, standard refunds are generally not issued. However, refunds or credits may be processed under specific, limited circumstances:

  • Duplicate Payments: If a technical error or user mistake results in a duplicate charge for the same transaction, the duplicate amount will be refunded to the original payment method after verification.

  • Overpayments: If a payment results in an overpayment exceeding the total balance due on the account, the surplus amount will be promptly refunded to the consumer.

  • Settlement Adjustments: If a formal, written settlement agreement was executed and a payment error caused an incorrect amount to be debited outside the agreed terms, adjustments will be reviewed on a case-by-case basis.

3. Processing Time for Refunds

In the event that an overpayment or duplicate payment refund is approved:

  • Refunds will be issued back to the original form of payment (e.g., credit card or bank account).

  • Please allow 7 to 10 business days for the transaction to reflect on your statement, depending on your financial institution's processing times.

4. Dispute and Account Inquiries

If you believe a payment was made in error, that an unauthorized charge occurred, or if you wish to dispute the validity of the debt itself:

  • You must contact us in writing or via phone within 30 days of the transaction or initial notice.

  • Provide your name, account reference number, contact details, and a clear explanation of the issue along with any supporting documentation (e.g., bank statements showing duplicate charges).

5. Contact Information

For questions regarding payments, account balances, or to request a review of an overpayment, please reach out to our billing and support team:

Terms and Conditions

1. Acceptance of Terms

By accessing or using the website of Southern Path Solutions ("we," "our," or "us") or utilizing our online client and consumer portals, you agree to comply with and be bound by these Terms and Conditions. If you do not agree to these terms, please refrain from using our website or digital services.

2. Permitted Use and Restrictions

You agree to use our website and online portals only for lawful purposes related to managing your account, reviewing permissible information, or communicating with our team. You agree not to:

  • Provide false, inaccurate, or misleading information when interacting with our site or submitting payments.

  • Attempt to gain unauthorized access to our computer systems, networks, or other consumer data files.

  • Use any automated tool (such as scrapers or bots) to access or collect data from our website.

3. Online Payments and Financial Transactions

If you utilize our online payment portal to make a payment toward an account:

  • You represent and warrant that you are authorized to use the designated credit card, debit card, or bank account.

  • You authorize Southern Path Solutions to process the payment for the specified amount.

  • Important Notice: Making a payment online does not automatically constitute a full release or formal settlement of an account unless a separate, written settlement agreement has been executed by an authorized representative of Southern Path Solutions.

4. Electronic Communications Consent

By providing your email address, mobile phone number, or other electronic contact details, you consent to receive electronic communications from Southern Path Solutions regarding your account, payment receipts, and customer service inquiries, in compliance with applicable laws.

5. Intellectual Property

All content, design, graphics, text, logos, and layout featured on this website are the property of Southern Path Solutions and are protected by applicable copyright, trademark, and intellectual property laws. Unauthorized use or reproduction is strictly prohibited.

6. Disclaimer of Warranties and Limitation of Liability

  • Our website and digital tools are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied.

  • Southern Path Solutions shall not be held liable for any direct, indirect, incidental, or consequential damages resulting from your use of—or inability to use—our website, including technical glitches, system outages, or data transmission errors.

7. Changes to Terms

We reserve the right to modify or update these Terms and Conditions at any time. Any changes will be posted directly on this page with an updated effective date. Continued use of the website constitutes your acceptance of the revised terms.

8. Contact Information

For questions regarding these Terms and Conditions, please contact us at:

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