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Compliance

Which states you can enroll clients in

Georgia is blocked outright. Several other states add cooling-off, bonding, or registration duties that are yours to satisfy.

Georgia is a hard block

Entering GA as a client’s state will fail at intake with a message naming O.C.G.A. §16-9-59, under which operating a credit repair services organization is a misdemeanor.

There is no override, and we will not add one. If your client lives in Georgia, you cannot serve them through this platform.

States with a longer cooling-off period

Federal law sets a three-business-day cooling-off period. Some states set a longer one, and the product applies whichever is longer automatically. California, for example, uses five business days.

You will see this as an activation date further out than you expected. Nothing is wrong.

Registration and bonding are your responsibility

Several states require a credit repair organization to register with the state, post a surety bond, or both, before doing business with their residents. Texas, for instance, requires a $10,000 bond.

The platform does not verify this, and it will not stop you. Enrolling a client in a state where you are not registered or bonded is your exposure, not ours. If you are not certain of your obligations in a state, confirm them before you enroll anyone there.

More on compliance

Still stuck? Reply to any email from us with the client id and what you were doing, and we’ll pick it up from there.