Compliance & Disclaimers

Entity & Operations Disclosure

Acquire Judgment Recovery Desk is a division of Acquire, Inc. and operates as part of AOX — Asset Opportunity Exchange. Acquire, Inc. is a North Carolina corporation. The Judgment Recovery Desk reviews unpaid civil money judgments for potential purchase, assignment, referral, or recovery analysis.

References to "we," "us," "our," "Acquire," "AOX," or "Acquire Judgment Recovery Desk" on this website refer to Acquire, Inc. and its authorized representatives.

Not a Law Firm

Acquire Judgment Recovery Desk is not a law firm. We do not provide legal advice, legal representation, or legal services of any kind. Nothing on this website, in our communications, or in any document we provide constitutes legal advice, a legal opinion, or the practice of law.

You should consult a qualified attorney licensed in your jurisdiction before making any decision regarding the sale, assignment, enforcement, renewal, domestication, or settlement of a judgment. We can facilitate referrals to licensed attorneys when appropriate, but we do not supervise, direct, or control the legal services they provide.

No Guarantee of Recovery or Outcome

We do not guarantee recovery, collection, payment, or any specific outcome. We do not guarantee that any judgment is enforceable, collectible, or has value. Every file is reviewed individually based on the information and documents available at the time of review. A review that identifies a possible recovery path does not guarantee that recovery will occur.

Collection Agency Licensing

Acquire, Inc. does not hold itself out as a collection agency and does not engage in third-party debt collection activities unless and until properly licensed or authorized where required by law. Certain judgment recovery activities may require a collection agency license, debt collector registration, or similar authorization in specific states.

Where a license or registration is required, Acquire, Inc. either obtains the necessary authorization before engaging in collection activity or refers the matter to a properly licensed attorney or collection agency. We do not engage in collection activity in jurisdictions where we are not authorized to do so.

No Attorney-Client Relationship

Submitting a judgment for review, communicating with us, or receiving any analysis or recommendation from us does not create an attorney-client relationship, a fiduciary relationship, a brokerage relationship, or any other professional relationship beyond that of a potential counterparty or referral source. No privilege attaches to communications with Acquire Judgment Recovery Desk.

FDCPA and State Collection Law

If and when Acquire, Inc. engages in activities that constitute debt collection under the Fair Debt Collection Practices Act (FDCPA) or applicable state collection laws, we comply with all applicable requirements. Our initial focus on commercial, business, and real-estate-related judgments reflects, in part, the different regulatory frameworks that apply to consumer versus commercial debt.

Consumer Judgment Policy

Consumer debt — including credit-card judgments, medical debt, payday loans, student loans, and similar consumer obligations — requires special legal review and may be declined. Consumer protection laws impose specific requirements regarding validation, verification, dispute resolution, communication, and collection practices. We do not accept consumer judgment files for review unless and until a qualified compliance review has been completed and all necessary authorizations are in place.

Bankruptcy, Satisfaction, and Release

A judgment that has been discharged in bankruptcy, satisfied, released, or previously assigned may have no remaining value or enforceability. We screen for these issues as part of every review. If we determine that a judgment has been discharged, satisfied, or released, we will inform you and close the file. Attempting to collect on a discharged or satisfied judgment may violate bankruptcy law, court orders, or other legal requirements.

Statute of Limitations and Enforceability Period

Every state has a time period during which a judgment may be enforced, typically ranging from 5 to 20 years. Some states permit renewal or revival. Others do not — or permit it only under specific circumstances. We review judgment age and applicable state law as part of every file. A judgment that has passed its enforcement period and cannot be renewed or revived has no recoverable value through our process.

Assignment and Transfer

The assignment or transfer of a judgment is governed by state law and court rules. Not all judgments may be assigned. Some states impose specific requirements — court approval, notice to the debtor, filing of an assignment of judgment, or attorney involvement. We do not accept assignment of any judgment without confirming that the assignment is legally permissible and properly documented. All assignments are subject to attorney review where required.

Confidentiality

Information submitted through our judgment intake form is treated as confidential and is not publicly listed, sold, or shared except as necessary to review the file, consult with qualified professionals, or comply with legal requirements. We do not publicly disclose the identity of creditors, debtors, or the details of specific judgment files.

No Upfront Fees

We do not charge upfront fees to review a judgment submission. Our compensation, if any, comes from purchasing the judgment, sharing in amounts recovered, or receiving a referral or placement fee where legally permissible and properly disclosed. We do not ask judgment creditors to pay us for document review, file evaluation, or initial consultation.

Referrals to Attorneys and Professionals

When we refer a file to a licensed attorney, collection agency, or other professional, the referred professional is independent of Acquire, Inc. We do not supervise, direct, or control their work. Any fee arrangement, engagement agreement, or representation is between the judgment creditor and the referred professional. We may receive a referral or placement fee where legally permissible and properly disclosed.

SMS and Communication Consent

By providing your phone number and opting into SMS communications, you agree to receive calls and text messages from Acquire Judgment Recovery Desk regarding your judgment submission. Message and data rates may apply. Message frequency varies. Reply STOP to opt out and HELP for help. Consent to receive SMS messages is not required as a condition of any purchase or service. No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

Jurisdiction and Governing Law

This website is operated from North Carolina. Any dispute relating to this website, its content, or Acquire, Inc.'s services shall be governed by North Carolina law without regard to conflict-of-law principles. The judgment review process is governed by the laws of the state where the judgment was entered, the state where enforcement is sought, and applicable federal law.

Changes and Updates

We reserve the right to update these disclaimers and compliance notices at any time. The version published on this page at the time of any submission or transaction governs.

Contact

For questions about these disclaimers, compliance matters, or our judgment review process, contact us at:

Acquire, Inc.
4801 Glenwood Ave, Suite 200
Raleigh, NC 27612
Phone: (919) 371-4001
Email: desk@acquireaox.com