Privacy Policy

Last updated: 27-Oct-2026

This Privacy Policy explains how Foxboro Consulting Group, Inc., doing business as Debt Remediation (“Debt Remediation,” “FCGI,” “we,” “us,” or “our”), collects, uses, shares and protects personal information when you visit debtremediation.org (the “Site”), contact us, attend our free training, purchase our materials, or use our debt remediation services (together, the “Services”).

We know that the information people share with a debt help service is among the most sensitive information they have. Please read this policy carefully. By using the Site or the Services, you acknowledge that you have read and understood it. If you do not agree with it, please do not use the Site or submit information to us.

1. Quick summary

• We collect information you give us (such as your name, email, phone number and details about your debts), information collected automatically when you browse (such as device and usage data), and information from third parties you authorize.
• We use it to respond to you, deliver the Services you request, process payments, send communications you have agreed to receive, improve the Site, and meet legal obligations.
• We do not sell your personal information, and we do not share it with third parties for their own marketing.
• We share information only with service providers who help us operate, with professionals you ask us to work with, or when the law requires it.
• You can ask to access, correct or delete your information, and you can opt out of marketing at any time.
• Questions? Contact us using the details in Section 15.

2. Information we collect

2.1 Information you provide directly

Contact and inquiry forms. When you use our “Drop us a Line” form, contact page or similar forms, we collect your full name, email address, phone number and the content of your message.

Free training registration. When you sign up for our free training, we collect your first name and email address so we can send you the access link and related follow-up emails.

Purchases and payments. When you buy a service option, we collect your name, contact details and billing information. Card payments are processed by our third-party payment processor, Helcim, on its hosted payment page. We do not receive or store your full card number. We may receive a confirmation, the last four digits of your card, the amount, and the transaction date. [CONFIRM: payment processor and whether any other checkout or e-commerce tool is used]

Client engagement information. If you become a client, you may share information needed to review your accounts, such as: – copies of collection letters, account statements, court papers and correspondence; – creditor and collector names, account numbers and balances; – credit reports or excerpts from them; – information about your income, expenses and financial circumstances; and – for the forensic mortgage and property audit, loan documents, property records and related information.

Please share only what is needed for the work. Before sending any document, redact your full Social Security number and full bank or card account numbers unless we specifically ask for them, for example by blacking out all but the last four digits.

Coaching sessions and forums. If you take part in our online coaching sessions or forum, we collect the information you choose to share in those sessions. Group sessions include other participants, so please do not disclose information in a group setting that you would not want other participants to hear.

Communications. We keep records of emails, calls, texts and other communications with you, including your communication preferences.

2.2 Information collected automatically

When you visit the Site, we and our service providers may automatically collect: – IP address and approximate location derived from it; – browser type, device type and operating system; – pages viewed, links clicked, time spent on pages and the referring website; and – the date and time of your visit.

We collect this information using cookies, pixels, log files and similar technologies. See Section 6 for details.

2.3 Information from third parties

We may receive information about you from: – people or professionals you authorize, such as an attorney, accountant or family member who contacts us on your behalf; – payment processors, confirming that a payment was made; and – analytics providers, in aggregated or pseudonymous form.

We do not buy consumer lists or obtain your credit report without your authorization.

2.4 Sensitive information

Some information you share, such as financial account details and information about debts, collections or lawsuits, is sensitive. We collect and use it only to provide the Services you request, to comply with law, and to protect you and us. We do not use sensitive information to infer characteristics about you for advertising.

3. How we use your information

We use personal information to:

1. Respond to you, answer questions and provide information you request.
2. Deliver the Services, including providing templates and letters, running coaching sessions, and, for full-service clients, carrying out the work described in your engagement agreement.
3. Process payments, send receipts and manage your account and engagement.
4. Send communicationsyou have requested or agreed to receive, including training access links, service updates and, where permitted, educational and promotional emails.
5. Improve the Site and Services, including understanding how visitors use our pages and which content is helpful.
6. Protect security and prevent fraud, including detecting spam, abuse and unauthorized access.
7. Comply with legal obligations, respond to lawful requests, maintain required business records, and enforce our Terms & Conditions.
8. For any other purpose we describe to you when we collect the information, or with your consent.

We do not use the contents of your client documents for marketing.

4. How we share your information

We do not sell your personal information. We do not share your personal information with third parties for their own marketing purposes. We share information only as described below.

Service providers. We use trusted vendors that process information on our behalf and under our instructions, such as: – website hosting and maintenance providers [CONFIRM: hosting provider]; – payment processing (Helcim); – email delivery and email marketing platforms [CONFIRM: platform used for the free-training opt-in]; – website analytics (for example, Google Analytics) [CONFIRM]; – online meeting or forum tools used for coaching sessions [CONFIRM: tool]; – secure document storage and file-sharing tools [CONFIRM: tool]; and – IT, security and backup providers.

These providers may use personal information only to perform services for us and are expected to protect it.

Affiliated entities and professionals. Debt Remediation is a service of Foxboro Consulting Group, Inc. Information may be shared within FCGI and with our employees, consultants, advisors and legal counsel who need it to deliver the Services or advise us, subject to confidentiality obligations.

People you direct us to. If you ask us to communicate with a collector, creditor, attorney, accountant or other person on your behalf, we will share the information needed to do so.

Legal and safety reasons. We may disclose information if we believe in good faith that it is required by law, subpoena, court order or other legal process; to protect the rights, property or safety of you, us or others; or to investigate fraud or security issues.

Business transfers. If FCGI is involved in a merger, acquisition, financing, reorganization or sale of assets, personal information may be transferred as part of that transaction, subject to this Privacy Policy or a policy that is at least as protective.

With your consent. We may share information for other purposes with your permission.

Aggregated or de-identified information, which cannot reasonably be used to identify you, may be used and shared for any lawful purpose.

5. Email, phone and text communications

Email. If you register for our free training or contact us, we may send you related emails. Promotional emails will include an unsubscribe link. You can opt out at any time; we will process your request promptly. Even after you opt out of marketing, we may still send transactional or service messages, such as receipts or messages about an active engagement.

Phone calls and text messages. If you give us your phone number, we may call or text you about your inquiry or engagement. We will not send you marketing text messages or prerecorded or automated marketing calls unless you have given the consent required by law. Consent is never a condition of purchase. You can reply STOP to any text message to opt out, or ask us to stop calling. Message and data rates may apply. [CONFIRM: whether texts or automated calls are used at all; delete this paragraph’s text references if not]

6. Cookies, analytics and similar technologies

We use cookies and similar technologies to make the Site work, remember your preferences, understand how the Site is used, and measure the effectiveness of our content.

Types of cookies we use: – Essential cookies needed for the Site to function and stay secure. – Analytics cookies, such as those set by Google Analytics, that help us understand traffic and page performance. Google’s use of this data is governed by its own privacy policy. You can opt out of Google Analytics by installing the Google Analytics Opt-out Browser Add-on. – Advertising or remarketing cookies. [CONFIRM: If the Site uses the Meta Pixel, Google Ads remarketing or similar tools, list them here and explain how to opt out. If not, state: “We do not currently use advertising or remarketing cookies on the Site.”]

Your choices. Most browsers let you block or delete cookies through their settings. If you block essential cookies, parts of the Site may not work properly.

Global Privacy Control and Do Not Track. Where required by applicable law, we treat a Global Privacy Control (GPC) signal from your browser as a valid request to opt out of the sale or sharing of personal information for targeted advertising. Because there is no common industry standard for “Do Not Track” signals, we do not currently respond to them differently, except as required by law.

7. How we protect your information

We use administrative, technical and physical safeguards designed to protect personal information from unauthorized access, use, alteration and disclosure. These include, for example, encrypted (HTTPS) connections to the Site, access limited to personnel who need the information to do their jobs, and the use of reputable service providers for payments and data storage. [CONFIRM: Massachusetts law (201 CMR 17.00) requires businesses that hold personal information of Massachusetts residents to maintain a written information security program. Confirm FCGI has one before publishing any statement referring to it.]

No website, email system or storage method is completely secure. We cannot guarantee absolute security, and you share information at your own risk. Please avoid sending full Social Security numbers or full account numbers by ordinary email. If you need to send sensitive documents, ask us for a secure upload option.

If we learn of a security incident affecting your personal information, we will notify you and regulators as required by applicable law.

8. How long we keep your information

We keep personal information only as long as reasonably necessary for the purposes described in this policy, including: – Inquiries and training sign-ups: for as long as you remain on our list or until you ask us to delete your information, plus a reasonable period to honor opt-outs. – Client engagement files: for the duration of the engagement and for a period afterward to meet legal, tax, accounting and professional record-keeping requirements and to resolve any disputes [CONFIRM: retention period, e.g., seven years]. – Payment records: as required by tax and accounting rules.

Under our engagement terms, if an engagement is terminated before completion, work files may be destroyed or returned in accordance with those terms. When information is no longer needed, we delete it or de-identify it in a secure manner.

9. Your privacy rights and choices

Depending on where you live, you may have some or all of the following rights. We extend these rights to all of our customers and visitors where reasonably possible, regardless of where they live.

• Access: ask what personal information we hold about you and receive a copy.
• Correction: ask us to correct inaccurate information.
• Deletion: ask us to delete your personal information, subject to legal and record-keeping exceptions.
• Portability: ask for a copy of certain information in a portable format.
• Opt out of marketing: unsubscribe from marketing emails or texts at any time.
• Opt out of sale, sharing or targeted advertising: we do not sell personal information, but you may still submit this request or use a Global Privacy Control signal.
• Non-discrimination: we will not treat you differently for exercising your privacy rights.

How to make a request. Contact us using the details in Section 15. We will need to verify your identity before acting on certain requests, usually by matching information you provide with information we already hold. You may use an authorized agent; we may ask the agent for proof of authorization and ask you to verify your identity directly. We will respond within the time required by applicable law. If we deny your request, we will explain why, and where state law provides a right to appeal, you may appeal by replying to our decision.

California residents. In the past 12 months, we have collected the categories of personal information described in Section 2 (identifiers, customer records, commercial information, internet activity, approximate geolocation, and sensitive financial information you choose to provide) for the purposes in Section 3, and disclosed them to the categories of recipients in Section 4. We have not sold personal information or shared it for cross-context behavioral advertising [CONFIRM]. We do not use sensitive personal information for purposes that would require offering a right to limit its use under California law.

Nevada residents. We do not sell covered information as defined by Nevada law. You may still submit an opt-out request to the contact details below.

10. Children’s privacy

The Site and Services are intended for adults. We do not knowingly collect personal information from children under 16. If you believe a child has provided us with personal information, contact us and we will delete it.

11. Third-party websites and services

The Site links to other websites, including our affiliated sites Debt Remediation Tools and Foxboro Consulting Group, Inc., as well as government resources and third-party services such as our payment processor. Each site has its own privacy practices. This Privacy Policy applies only to debtremediation.org and the Services. We encourage you to review the privacy policy of any site you visit.

12. Information about other people

If you give us information about another person, such as a co-borrower, spouse or family member, you confirm that you have the right to share it and that it is needed for the Services.

13. Visitors from outside the United States

The Site is operated in the United States and intended for U.S. residents. If you access it from another country, your information will be transferred to and processed in the United States, where data protection laws may differ from those in your country.

14. Changes to this Privacy Policy

We may update this Privacy Policy from time to time. When we do, we will change the “Last updated” date at the top of the page. If the changes are material, we will provide additional notice, such as a notice on the Site or an email to you, before the changes take effect. Your continued use of the Site after an update means you accept the revised policy.

15. Contact us

If you have questions about this Privacy Policy or want to exercise your privacy rights, contact us:

Debt Remediation Foxboro Consulting Group, Inc. Attn: Privacy 15 Wall Street Post Office Box 141 Foxboro, MA 02035-0141

Phone: (508) 878-8390 Email: oxygenc4@comcast.net

Debt Remediation is a service of Foxboro Consulting Group, Inc. We are not a law firm and do not provide legal advice.