Terms of Service

Last updated: August 24, 2026

These Terms of Service ("Terms") govern your access to and use of Chapter13Leads ("Service"). By accessing the Service, including starting a free trial, you agree to these Terms. These Terms are in addition to the Disclaimers, Data Accuracy Disclaimer, and Acceptable Use Policy.

1. Data Accuracy and Verification

Subscriber acknowledges that Chapter13Leads compiles data from third-party providers and public records, including but not limited to the PACER Case Management/Electronic Case Files system, property record aggregators, skip-trace services, and consumer data providers. Chapter13Leads does not guarantee the accuracy, completeness, timeliness, or fitness for any particular purpose of any data provided. Subscriber agrees to independently verify all information before making any investment, lending, credit, employment, marketing, or business decision based on Chapter13Leads data.

2. Regulatory Compliance — Subscriber Responsibility

Subscriber is solely responsible for compliance with all applicable federal, state, and local laws governing their use of Chapter13Leads data, including but not limited to: the Fair Credit Reporting Act (FCRA) and its limitations on consumer reports; the Telephone Consumer Protection Act (TCPA) and related DNC regulations; the CAN-SPAM Act and state email marketing laws; the Gramm-Leach-Bliley Act (GLBA); the Fair Debt Collection Practices Act (FDCPA); and all state-specific consumer protection and privacy statutes. Chapter13Leads data may NOT be used to make FCRA-covered decisions (credit, insurance, employment, tenant screening, or similar). Subscriber indemnifies Chapter13Leads against any claims arising from subscriber's use of the data.

3. No Attorney-Client or Debt Collection Authority

Chapter13Leads is not a law firm and does not provide legal advice. Data provided does not establish attorney-client privilege. Subscriber acknowledges that contacting debtors in active Chapter 13 bankruptcy may be subject to the automatic stay under 11 U.S.C. § 362, and that certain communications with debtors represented by counsel may violate bankruptcy rules or FDCPA provisions. Subscriber is solely responsible for ensuring that any outreach is legally permissible.

4. SMS Messaging Program

Chapter13Leads offers an optional SMS (text message) program operated by SCS Summit Construction Services LLC. Enrollment is voluntary. Providing a mobile number and consenting to receive texts is not a condition of creating an account, starting a trial, or purchasing any subscription.

  • Who receives messages. Only subscribers who affirmatively opted in by checking the SMS consent box at signup and providing a mobile number. We do not text anyone who has not opted in.
  • What we send. New-lead alerts matching the filters configured on your account, and account notifications such as trial reminders, billing confirmations, and delivery notices.
  • Message frequency varies. The number of messages you receive depends on your filters and on lead volume in your market.
  • Message and data rates may apply. Standard rates from your mobile carrier apply to messages you send and receive. Chapter13Leads does not charge for the SMS program itself.
  • Opt out at any time by replying STOP to any message. You will receive a single confirmation message and will not receive further texts. Opting out of SMS does not cancel your subscription or affect email delivery of your lead packs.
  • Get help by replying HELP to any message, or by emailing support@chapter13leads.com.
  • Carriers are not liable for delayed or undelivered messages.Delivery depends on your carrier's network and on factors outside our control. We do not guarantee that any message will be delivered, or delivered within a particular time.
  • Supported carriers include major U.S. wireless providers. Service may not be available on all carriers.

You represent that the mobile number you provide is your own or that you are authorized to consent to receive messages at it, and you agree to notify us if that number is reassigned. Our handling of your mobile number and consent record is described in the Privacy Policy. No mobile information will be shared with third parties or affiliates for marketing or promotional purposes.

5. Governing Law

These Terms and any dispute arising out of or relating to them or to the Service are governed by the laws of the State of Texas, without regard to its conflict-of-laws principles. Subscriber and SCS Summit Construction Services LLC consent to the exclusive jurisdiction and venue of the state and federal courts located in Dallas County, Texas for any action not subject to arbitration.