Compliance & Legal

The FDCPA (15 U.S.C. §§ 1692–1692p) is the primary federal law governing debt collection practices in the United States. NovoFinance adheres to every provision.

Key provisions we follow:

• Written validation notice sent within 5 days of initial contact, including the amount of the debt, name of the creditor, and your right to dispute.
• All collection activity ceases during the 30-day dispute/validation period if you exercise your right to dispute.
• No contact before 8:00 AM or after 9:00 PM in your local time zone.
• No threats, harassment, or abusive language of any kind.
• No misrepresentation of amounts owed or collector identity.
• No contact with unauthorized third parties regarding your debt.
• Honoring written cease-and-desist requests.

As a Pennsylvania-headquartered company, NovoFinance also complies with the Pennsylvania Fair Credit Extension Uniformity Act (FCEUA) and all applicable state licensing requirements.

We maintain all required state licenses and bonds. Our agents are trained on both federal and state-specific regulations to ensure consistent compliance nationwide.

NovoFinance is committed to protecting your personal information. This policy outlines how we collect, use, and safeguard your data.

Information We Collect: Account information provided by creditors (name, address, account details, balance), information you provide directly (contact info, payment details), and website usage data (cookies, analytics).

How We Use It: To service accounts, process payments, verify identities, communicate regarding your account, and comply with legal obligations.

Security: All data is protected with industry-standard encryption (AES-256). Payment processing is PCI-DSS compliant. We never sell your personal information to third parties.

Your Rights: You may request access to, correction of, or deletion of your personal data by contacting us at support@novofinance.net.

By using the NovoFinance website and services, you agree to these terms. This website is provided for informational purposes and to facilitate debt resolution.

All payments made through this website are final and processed securely. NovoFinance reserves the right to update these terms at any time. Continued use constitutes acceptance of updated terms.

For questions about these terms, contact us at support@novofinance.net or call 1-800-RECOVER.