Terms and Conditions

                                      Terms of Use for V&B Financial Recovery

Welcome to the V&B Financial Recovery Website. By accessing or using our Website, you agree to comply with and be bound by the following terms and conditions of use. Please read these Terms of Use carefully before using our Website.

You may not pretend that you are, or that you represent, someone else, or impersonate any other individual or entity. You may not forge headers or otherwise manipulate identifiers in order to disguise the origin of any message or transmittal you send. You agree not to take any action or use any device, software, or routine to interfere or attempt to interfere with the proper working of the Website, systems or networks, or any systems or networks connected to the Website. 

By accessing and using the V&B Financial Recovery Website, you agree to be bound by these Terms of Use, our Privacy Policy, and any other guidelines, rules, or policies posted on the Website. If you do not agree with any of these terms, please do not use the Website.

V&B Financial Recovery Website collects personal information from consumers solely for the purpose of understanding and respecting their communication preferences relating to the collection of a debt. This includes preferred methods of communication, preferred days of the week, and preferred times of the day for communication. Digital information may be anonymized and collected for the purpose of Website analytics. See our Privacy Policy for more details. 

The information submitted by consumers, including Personal Data, is used exclusively for communication purposes related to the debt collection process. V&B Financial Recovery will not use the information for any other purpose, and it will not be sold, leased or shared with third parties, except as required by law.

By providing your phone number and opting in, you consent to receive recurring automated personalized phone calls and text messages from V&B Financial Recovery. These messages can be regarding your account, account notifications, payment reminders, and other relevant messages. Message and data rates may apply. Message frequency may vary. You are responsible for any fees charged by your mobile provider, and message delivery is subject to carrier availability. Please contact your mobile provider for details on data and messaging costs. 

You may opt out of receiving text messages from us at any time. To stop receiving messages, reply "STOP" to any text message you receive from us, or contact us directly. You will receive one confirmation message after opting out, after which no further messages will be sent unless you re-enroll. You can reply HELP for more information. You can also access our Privacy Policy here: https://vbfinancialrecovery.com/private-policy

V&B Financial Recovery reserves the right to modify or revise these Terms of Use at any time. Any changes will be effective immediately upon posting on the Website. It is your responsibility to review these terms regularly to stay informed of updates.

V&B Financial Recovery reserves the right to terminate or restrict your access to the Website at any time, without notice, for any reason.

General Contact Information

To contact us generally, you may write to us at:

V&B Financial Recovery LLC

PO Box 9231

Bakersfield, CA 93389

(833) 406-8632

helpdesk@vbfinancialrecovery.com

Last Updated: March 31, 2025