Effective Date: November 11th, 2025
1. Introduction
Welcome to Primary Debt Solutions LLC. We are a collection agency and debt purchaser/servicer operating in the State of Washington (the “State” or “WA”). This Privacy Policy & Legal Disclosures explains how we collect, use, disclose, and protect personal information of consumers (“you”, “your”) who owe or are alleged to owe consumer-debt (for personal, family or household purposes), as well as legal disclosures required by federal and Washington law in connection with debt-collection activities and online/off-line payment processing.
By using our website at https://www.primarydebtsolutions.com, by engaging our services, by making payments via our website, by telephone, by mail, or by other means — or by communicating with us regarding the debt — you acknowledge that you have read, understood, and agree to the practices described in this Policy. If you do not agree, you should not use our website or engage with our collection activities.
2. Who We Are
We are a licensed collection agency under Washington law (pursuant to Chapter 19.16 RCW, the Washington Collection Agency Act). We collect (or attempt to collect) consumer debts owed to others, or purchased by us, or otherwise serviced by us. We also provide an online portal, telephone and mail-based service for payments and account management.
3. Our Scope & Your Role
We collect and attempt to collect debts owed by consumers (personal, family or household purposes) in the State of Washington, and may also restrict to other jurisdictions if applicable.
We provide multiple payment methods: online payment via our website, telephone payments, and mail-in payments (via check or money order) for your convenience.
We engage in or contract with third-party service providers (e.g., payment processors, IT/mail vendors, call centres) to facilitate our business and payments.
You are the consumer (debtor) whose information we may process.
We act as a “collector” under Washington law (and federal law where applicable) and accordingly certain statutory disclosures and practices apply.
4. Information We Collect
We collect personal information from you, and about you, in connection with our collection and payment facilitation operations, including but not limited to:
Identifying information: name, residential address, mailing address (if different), telephone number(s), email address, date of birth (if used for verification), last for numbers of social security (to verify identity and authorize payments).
Account/debt information: original creditor, amount owed (principal, interest, fees if permitted), account/reference number, date of default or last payment, payment history, settlement offers, status of claim.
Payment information: for online/telephone/mail payments — e.g., payment amount, payment date, payment method (card, ACH, check, money order), transaction identifiers, billing address, bank account or card number (or masked variant) as necessary via our payment processor.
Website & device information: IP address, browser type, device type, cookies or similar tracking technologies, referring/exit pages, operating system, date/time stamps — for analytics, security, fraud prevention.
Communication records: your inbound/outbound correspondence with us (phone calls, emails, chat logs, mailed correspondence, dispute letters), payment authorizations, verification requests.
Third-party data: We may receive or verify information from third-party sources (creditors, original account holders, data vendors, public records, credit bureaus, skip-trace services) for purposes of verifying identity, account status, contact information, or debt validity.
5. How We Use Your Information
We use the information we collect for the following purposes:
To contact you regarding the debt you (or are alleged to) owe, including required statutory notices.
To verify or update our records of your contact information and account information.
To evaluate, propose, administer or monitor payment arrangements, settlements, or other resolutions of the debt.
To process online, telephone or mail payments, and to record payments, apply them to your account, provide receipts or confirmations, and update account status.
To facilitate our business operations, including contracts with service providers (payment processors, mail vendors, phone vendors, IT providers), internal accounting, auditing, compliance, recordkeeping, and regulatory/licensing obligations.
To share information with credit reporting agencies or furnishers where permitted and required under applicable law.
To manage our website: improve user experience, detect and prevent fraud, maintain security, analyze site usage, track trends, enforce terms of service, diagnose technical or service issues.
To comply with legal and regulatory obligations, including state licensing, collection agency law (including Chapter 19.16 RCW), federal laws (e.g., the Fair Debt Collection Practices Act (“FDCPA”), the Fair Credit Reporting Act (“FCRA”)), and any court, regulatory or governmental order or process.
6. With Whom We Disclose Your Information
We may disclose your personal information in the following situations:
To a creditor, or purchaser or assignee of the account, if the debt is sold, assigned or transferred — we will notify you of any such assignment or transfer (in accordance with law).
To consumer credit reporting agencies (credit bureaus) if reporting is lawful and permitted under federal and Washington law. If you dispute the debt, as required under Washington law we must ensure any furnished information is marked as disputed.
To our service providers/vendors/contractors who perform services on our behalf (such as payment processing, IT hosting, mailing, call-centre operations, skip-trace, verification services). These vendors are under confidentiality obligations.
To comply with legal process: court orders, governmental/regulatory requests, law enforcement.
To enforce our rights: e.g., to pursue collection, license obligations, audits, internal investigations, fraud prevention.
As otherwise required or permitted by applicable law.
7. Payment Processing – Special Considerations
Because we collect payments online, by telephone, and by mail, the following additional practices apply:
Online Payments: When you make a payment via our website, you will be redirected (or directly provide) to a third-party payment processor. The payment processor collects your payment method (card, ACH), billing information and processes the transaction. We record the transaction date, amount, method, and any confirmation or receipt. We use industry-standard encryption (e.g., SSL/TLS) for online payment pages to protect your data. We do not store full card/ACH numbers unless required by the processor under secure PCI-compliant specifications.
Telephone Payments: When you make a payment by calling our phone line, our representative (or automated system) will verify your identity, collect payment method (card/ACH), amount and apply it to your account. We will provide a confirmation number and/or receipt (either on-call or via email/mailing) and retain records. Phone calls may be recorded (with notice) for quality, compliance and dispute resolution.
Mail Payments: When you send a payment by mail (check, money order), you should make the payment payable to [Your Company Name] and send to the address [insert]. We apply the payment upon receipt, update your account, and send you a receipt (via mail or email if requested). Please allow [X] business days for processing. We record the payment date, amount, payment method, and any endorsements or clearances.
Refunds/Credits: If an overpayment or wrongly applied payment occurs, we will issue a refund or apply a credit to your account as appropriate, following our internal policies and in compliance with applicable law.
Receipt & Acknowledgement: For online and telephone payments, we send you an electronic receipt/confirmation. For mail-in payments, an acknowledgement is sent by the method you choose (mail or email).
Security & PCI Compliance: We engage payment processors that are PCI-DSS compliant. We also require our internal controls to protect your payment information; however, please note that no method of transmission or storage is 100% secure.
8. Special Legal Disclosures for Washington Collections
Under Washington law (Chapter 19.16 RCW) and associated regulations (WAC 308-29 and related), and federal law (e.g., FDCPA), the following disclosures apply:
a. Validation / Dispute of Debt
If you are a consumer and we are contacting you for collection of a debt, you have the right to request validation or verification of the debt. Under Washington law, you may request: the name of the original creditor (if different), the account number or reference number of the debt, the date of your last payment, an itemized statement of services (for medical debt, if applicable), and other information.
Once you notify us in writing that you dispute the debt, we will cease collection of the debt (or certain collection efforts) until we provide verification of the debt and original creditor (if applicable).
b. Communications Practices
We will comply with the following communications restrictions under Washington law and federal law:
We will not contact you more than three times in a single week.
We will not contact your workplace more than once per week, unless you request otherwise or your employer permits contact.
We will not contact you at your home before 7:30 a.m. or after 9:00 p.m. (local time) unless you request contact at other hours.
We will not publish or threaten to publish a list of debtors.
We will not misrepresent our identity or pretend to be a government agency or law enforcement.
We will not threaten you with criminal prosecution or imprisonment for failure to pay a debt, unless such threat is lawful.
c. Fees, Interest & Charge Disclosures
We will only collect the amounts permitted under law or under the original contract. Washington law prohibits collecting or attempting to collect fees or interest not authorized by the contract or by statute.
If the debt is medical debt, additional disclosures may apply (e.g., rights to an itemized statement of services). Also note Washington’s recent changes may restrict reporting of medical debt to credit bureaus.
d. Assignment / Credit Reporting
If the debt is sold or transferred to another party, you will receive notice of the name and address of the new owner, and you have rights to dispute the debt and to see information furnished to credit bureaus. Under the FCRA and Washington law, if you notify us you dispute the debt, we must flag any credit bureau reporting as “disputed”.
e. Licensing & Legal Compliance
We are licensed under the Washington Collection Agency Act. Violations of Chapter 19.16 RCW may result in civil penalties, license denial/revocation, and may impact our ability to collect interest, fees or other charges.
9. Your Rights as a Washington Consumer
As a consumer in Washington State, you have the following rights (in addition to any rights under federal law):
You may dispute the debt and request verification, including original creditor name, account number, amount owed, last payment date.
If you dispute the debt in writing, we must cease collection (except to notify you of certain actions) until verification is provided.
You have the right to request that communications cease (except as authorized under law). Under federal law, you may request that we stop contacting you, and we will comply to the extent permitted.
If we furnish information to a credit bureau, you have rights under the FCRA to access your consumer‐reporting file, dispute inaccurate information, and have corrections made.
If you believe we have violated Washington’s collection agency law (Chapter 19.16 RCW) or the FDCPA, you may file a complaint with the Washington State Department of Licensing (for licensed agencies) or the Washington State Attorney General’s Office.
If you feel your rights under federal law have been violated, you may also file with the Federal Trade Commission or another appropriate federal agency.
10. Cookies & Website Tracking
Our website may use cookies or similar tracking technologies (including session cookies, persistent cookies, and third-party analytics) to collect information about your browsing behaviour, device and website usage patterns. These technologies help us improve the site, personalize content, analyze trends, detect fraudulent or malicious activities, and enhance user experience.
You can configure your browser to refuse cookies or to alert you when cookies are being sent; however, if you disable or refuse cookies, some features or functionality of our website may be limited or unavailable.
11. Data Security & Retention
We maintain administrative, technical and physical safeguards designed to protect your personal information from unauthorized access, disclosure, alteration or destruction. Some of these include encryption for data in transit and at rest, access controls, audit logs, regular security reviews, and vendor oversight.
However — please note: no method of transmission over the Internet, and no method of electronic storage is absolutely secure, so we cannot guarantee absolute security of your data.
We will retain your personal information only for as long as necessary to fulfil the purposes described in this Policy, to comply with legal obligations (including record-keeping under Washington’s licensing laws), to resolve disputes, to enforce our agreements, and as required or permitted by applicable law.
12. International & Out-of-State Transfers
While our primary operations are in Washington, some of our service providers, vendors and data hosts may be located in other states (or jurisdictions) and thus your information may be stored or processed outside of Washington. By using our services or making payments, you consent to such transfer, processing and storage provided it is for the purposes described in this Policy and that adequate safeguards are in place.
13. Children’s Privacy
Our website and services are not directed to children under the age of 13. We do not knowingly collect personal information from children under age 13. If you believe we have inadvertently collected personal information of a child under age 13, please contact us using the contact information below so we can delete the information.
14. Changes to This Policy
We may update this Policy from time to time (for example, if we add new payment methods, new service providers, new data practices, or due to regulatory changes). When we do so, we will post the updated Policy on our website with a new “Effective Date”. We encourage you to review this Policy periodically. Your continued use of the website or providing further information constitutes your acceptance of the updated Policy.
15. Contact Information
If you have questions about this Policy, our data practices, your rights, or wish to exercise your rights (e.g., dispute a debt, request verification, request records, stop communications, or request deletion/receipts), please contact us at:
Primary Debt Solutions LLC
Address: 11400 Airport Rd, Suite 200, Everett, WA 98204
Phone: (360)-913-6363
Email: management@primarydebtsolutions.com
Website: https://www.primarydebtsolutions.com
Legal Disclosures
(Debt Collection & Consumer Rights – Washington State)
Licensing & Business Information
We are licensed in the State of Washington under the Washington Collection Agency Act (Chapter 19.16 RCW). We collect (or attempt to collect) consumer debts owed to others, or purchased by us. We adhere to all applicable federal and Washington laws regarding debt-collection practices.Communication & Conduct
We will not engage in harassing, oppressive or abusive conduct when collecting a debt. Under Washington law (RCW 19.16.250) and the FDCPA, you are protected from:
Communications at unreasonable hours (before 7:30 a.m. or after 9:00 p.m., unless you consent).
More than three communications per week, and more than one at your workplace (unless permitted).
Use of threats of violence, criminal prosecution or government action that is not lawful.
Misrepresentation of the collector’s identity or connection with a government agency.
Publishing or threatening to publish your debt.
Charging fees or interest unless permitted by contract or statute.
Validation of Debt
You have the right to request verification or validation of the debt. If you dispute the debt in writing, we must provide you with verification or cease certain collection activities until verification is furnished. You may request the original creditor’s name, the account number/reference number, date of last payment, and other details.Credit Reporting and Debt Sale
If we report to credit reporting agencies, you have rights under the FCRA to request a free consumer report, dispute inaccurate information, and have corrections made. If the debt is sold or transferred, you will be notified of the new owner and the amount owed. Under Washington law, if you notify us the debt is disputed, any furnished information must be marked as “disputed”.Medical Debt (if applicable)
If the debt is for medical services (i.e., owed to a provider whose primary business is providing medical services, products or devices), special notices and rights may apply. Please contact us if your account is categorized as medical debt so we can provide any required disclosures under Washington law.Our Collection of Payments
When you make payments (online, telephone or by mail), we will provide confirmation of payment receipt, apply the payment to your account, update your balance, and send you a receipt or acknowledgment as requested. By making a payment you acknowledge you owe (or are alleged to owe) the debt and that the payment will be applied as described. If you believe you do not owe the debt or portions thereof, you should notify us in writing before making a payment. Making a payment may also impact your rights (e.g., it may restart the statute of limitations in certain circumstances).No Guarantee of Credit Repair or Removal
Making payment or entering settlement with us does not guarantee your credit report will be updated, your account will be removed, or that legal action will be avoided. We cannot guarantee that making payment will prevent legal or credit reporting consequences.Governing Law & Venue
This Policy and our collection services are governed by the laws of the State of Washington (and applicable federal law). Any disputes arising may be in the appropriate courts of the State of Washington unless otherwise required by law.Severability & Changes
If any provision of this Policy or the disclosures are found invalid or unenforceable under applicable law, such invalidity will not affect the remaining provisions. We reserve the right to modify this Policy and disclosures at any time; the updated version will be posted on our website with the updated effective date.
Learn More:
Washington State Department of Licensing
By using our website, communicating with us, or making a payment, you acknowledge that you have read, understood and agree to this Privacy Policy & Legal Disclosures.