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Terms of Service

Last updated: 02/03/2026

Stenger & Stenger, P.C. (we, us), is a debt collector, as defined by 15 U.S.C. §1692(a)(6), and this is an attempt to collect a debt. Any information obtained by us will be used for that purpose.

You have read the Stenger & Stenger, P.C. Privacy Policy.

You acknowledge that Stenger & Stenger PC is a debt collector.

Online Payments

By making an online payment, you agree to the following terms.

You accept the Terms & Conditions and wish to proceed with making a payment.

You understand that despite making a payment or scheduling a payment plan, you may still have legal obligations related to the account(s).  You further acknowledge that despite your payment(s) the creditor and/or Stenger & Stenger, P.C. may pursue certain legal actions.

You understand that the balance on your account may not accurately reflect recent payments sent to the offices of Stenger & Stenger, P.C. due to delays in the receipt and application of payments, particularly those payments sent by courts and third-parties.

Portal Account Creation

You acknowledge that you am a party to any file(s) for which you create an Account. You also agree that if you are accessing any information on the website that you are the consumer on the accounts serviced by Stenger & Stenger, P.C. or you are authorized by the consumer to access any and all accounts related to the consumer which are serviced by Stenger & Stenger, P.C.

Legal Disclaimer

The information you obtain at this site is not, nor is it intended to be, legal advice. You should consult an attorney for advice regarding your individual situation. We invite you to contact us and welcome your calls, letters and electronic mail. Contacting us does not create an attorney-client relationship. Please do not send any confidential information to us until such time as an attorney-client relationship has been established.

Email Consent Policy and Disclosure

By consenting to communicate with Stenger & Stenger, P.C. via email, you confirm and agree to the following.

  • You have read the Stenger & Stenger email communications policy and disclosures, and you authorize Stenger & Stenger to communicate with you by email;
  • The email address you provide above is a personal email address and not provided by your employer;
  • By providing your work or government email address, you acknowledge and consent to the receipt of communications from the debt collector at this address, and you acknowledge that third parties may have access to these communications. By providing your work or government email address, you understand and waive any claims regarding third-party disclosure of such communications;
  • Only you have access to emails sent to and from the email address provided above;
  • You agree to take reasonable precautions to ensure the non-disclosure of email communications with Stenger & Stenger, P.C., which may contain private, sensitive, and/or confidential information;
  • Notwithstanding the foregoing, to the extent that any third-party disclosure of email and/or voicemail communications with Stenger & Stenger, P.C. occurs, you consent to the disclosure of the same to such third parties;
  • You are not represented by an attorney;
  • You are not an active member of the United States Military or its Allies; and
  • Your account(s) have not been discharged in bankruptcy.
  • Your account(s) is/are not part of any pending bankruptcy proceeding.
  • You are not a petitioner in any pending bankruptcy proceeding.
  • You authorize Stenger & Stenger to provide any account-related documents to the authorized email address.
  • If you make or schedule a payment plan or make a payment before 8:00 AM or after 9:00 PM in your local time zone, and you have agreed to receive email communications regarding your account(s), you then agree to receive emails related to your activity within the payment portal at or near the time of your activity.
  • Changes to Terms – We may update these terms and conditions from time to time. Any changes will be effective when we send a new email message or update our terms on our website. Your continued use of the email service constitutes acceptance of the revised terms.
  • Liability – Stenger & Stenger, P.C., is not responsible for any delays or failures in the delivery of email communications due to issues with your email service provider or other technical problems.

By providing consent you are acknowledging that this is a private, non-business-based email address and authorize Stenger & Stenger, P.C. to send electronic communications via email.

Email & Text Consent

You have read, understood, and agree to the Stenger & Stenger P.C. Email communication policy and disclosures, and you authorize Stenger & Stenger. P.C. to communicate with you about this account by email.

You understand that if you wish to opt-out of email communication with Stenger & Stenger, P.C., you can click here to opt out.

Email & Text Consent

To communicate with you via SMS, Stenger & Stenger, P.C. requests your consent. By consenting to communicate with Stenger & Stenger, P.C. via SMS, you confirm and agree to the following.

  • You have read the Stenger & Stenger SMS Communications Consent Policy and Disclosures, and you authorize Stenger & Stenger to communicate with you by SMS;
  • Message frequency may vary based on your interactions with us;
  • The phone number you provide is a personal phone number and not provided by your employer;
  • Message and Data Rates- Standard message and data rates may apply depending on your mobile carrier and plan. You are responsible for any charges incurred for receiving SMS messages.
  • Opting Out-You may opt out of receiving SMS messages at any time by replying with “STOP” to any SMS message you receive from us. After opting out, you will receive a confirmation message, and we will cease sending SMS messages to your number. Please note that opting out may affect your ability to receive certain types of communications.
  • Help and Support- If you need assistance or have questions about our SMS service, contact our customer support team at 888-305-7775.
  • Privacy- Your mobile phone number and other personal information will be handled in accordance with our Privacy Policy, available at Privacy Policy. We do not sell or share your phone number with third parties except as required by law.
  • Changes to Terms- We may update these terms and conditions from time to time. Any changes will be effective when we send a new SMS message or update our terms on our website. Your continued use of the SMS service constitutes acceptance of the revised terms.
  • Liability- Stenger & Stenger, P.C., is not responsible for any delays or failures in the delivery of SMS messages due to issues with your mobile carrier or other technical problems.
  • By providing your work or government phone number, you acknowledge and consent to the receipt of communications from the debt collector at this phone number, and you acknowledge that third parties may have access to these communications. By providing your work or government phone number, you understand and waive any claims regarding third-party disclosure of such communications;
  • Only you have access to SMS communication sent to and from the phone number provided above;
  • You agree to take reasonable precautions to ensure the non-disclosure of SMS communications with Stenger & Stenger, P.C., which may contain private, sensitive, and/or confidential information;
  • Notwithstanding the foregoing, to the extent that any third-party disclosure of SMS and/or voicemail communications with Stenger & Stenger, P.C. occurs, you consent to the disclosure of the same to such third parties;
  • You are not represented by an attorney;
  • You are not an active member of the United States Military or its Allies; and
  • Your account(s) have not been discharged in bankruptcy.
  • Your account(s) is/are not part of any pending bankruptcy proceeding.
  • You are not a petitioner in any pending bankruptcy proceeding.
  • You authorize Stenger & Stenger to provide any account-related documents to the authorized phone number.
  • If you make or schedule a payment plan or make a payment before 8:00 AM or after 9:00 PM in your local time zone, and you have agreed to receive SMS communications regarding your account(s), you then agree to receive SMS communication related to your activity within the payment portal at or near the time of your activity.

By providing consent you are acknowledging that this is a private, non-business-based phone number and authorize Stenger & Stenger, P.C. to send electronic communications via SMS.

SMS Communication Consent

You have read, understood and agree to the Stenger & Stenger P.C. SMS Communication Consent Policy and Disclosure, and you authorize Stenger & Stenger. P.C. to communicate with you about this account by SMS.

By providing your phone number, you are providing consent under the Telephone Consumer Protection Act (“TCPA”) to receive phone calls and text messages from Stenger & Stenger about your account if necessary.

You understand that if you wish to opt-out of SMS communication with Stenger & Stenger, P.C., you can click here to opt out, or reply STOP to any communication.

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